milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Other

Complaint: I was interested in the B ank of America credit card, and I decided to give their nearest bran ch a call to discuss its details and if I would be approved based on my information. On the phone, I gave the agent  my credit score,   my future salary with an accepted job offer, my current debt from student loans, and any other important information. He told me I should come into the branch to further discuss this. I went into the branch, and I was told that based on that information, I would 100 % be approved for a card that BoA offered. My main concern with applying here was that I could be denied, and I had previously applied for a card and been denied, in part to medical bills that I have since paid off, and I was now in a better position to apply for a credit card with a more favorable credit report. The agent assured me that I would be accepted for a card, and he submitted an application on my behalf, under the assumption that there was no chance I could be denied.     Well, the next da y I went in to the branch, and I was told I was denied. I spoke with the branch  manager,  and I was told that this was not how agents should be dealing clients, and he opened up a claim for me. Less than a week later, I received an email that the claim was closed, and after calling, I was told they closed it and said there is no chance I could have the hard inquiry removed, even though I was misled into applying for this card by the rep that assured me there was no chance for being denied. I am reaching out to the CFPB to see the unethical behavior BoA exhibited with misleading me , and I hope t o have the inquiry removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XX/XX/XXXX, I had {$76.00} past due with a Wells Fargo Visa card. The reason I was past due was because I did not receive any communication from Wells Fargo that I was late. 
I sent a letter of goodwill in XX/XX/XXXX that I had not received notice of my late payment because I was living abroad, but in XX/XX/XXXX, Wells Fargo denied my request to have the late payment removed from my credit reports. I believe I was denied by Wells Fargo without consideration that I did n't have knowledge of a late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: Account was closed for possible fraud. The information is incorrect and prevented me from getting a job and further accounts. I was hired in with the same company in the XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I initiated a wire transfer in the amount of {$10000.00} on XXXX XXXX at XXXX PST. Funds were to be available in my a count within the same business day. 

It has been 3 business days and I have not received the funds. Attempts to contact the company via email support, XXXX, and even messaging an executive via XXXX have gone ignored. 

The confirmation number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to TSF about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to TFS letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to TSF I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite TFS saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment om XX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check TFS says I still owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX received a telephone call from XXXX collection agent, XXXX # XXXX. She stated that I need to make a payment towards my mortgage and it was delinquent 15 months. First I told her that I was not delinquent 15 months as 3 months have not been credit to my account from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and further I was under review of a modification that was fully submitted on XX/XX/XXXX and waiting for a decision within 30 days. In a condescending tone, she stated that my modification was not guaranteed and my payment can go up. She further stated that since I was not making a payment I must not be able to show the bank that I am able to afford the house and therefore she is noted my account that I need to look into other types of programs such as deed in lieu. I told her that I was not going to be threatened by her and to speak to my Point of Contact. I was on hold for over 30 minutes and then hung up and called back 2 more times with no success. I contacted the HUD Department and waiting to hear back from them before next week.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: on the sale of the car nissan took over 30 days to pay off my existing loan with themselves ( old car trading in for new car both where financed through XXXX XXXX ). on the first payment they charged me for the old car and new car. took them over 60 days to figure out what happen and was suppose to have corrected my account. later in the first year in of the loan, i want to say it was XX/XX/XXXXthey say i missed a payment. i sent them my bank account info showing the payment went through at least 3 times over the next 90 days. they kept calling my phone every 30 days saying my payment was late and we would go over the same deal, i would send them the payment info. i was insured my account would be fixed if i sent in the bank statement. 

today i logged on to the site to pay of the loan and now i owe XXXX in late fees, their agent tells me my account is now in collections. i have bank records showing for each month nissan has automatic withdrawal from my account for the monthly balance. 

i am at the point i want to peruse legal action against XX/XX/XXXX, i have done everything i can to satisfy this loan in good standing but they have obvious system issues and are now causing undue hardship

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (GA).
Issue: Customer service / Customer relations

Complaint: I just received my BBVA Compass XXXX card on XXXX/XXXX/2016 after activating and attempting to use my card at XXXX it was declined. I have no idea what to think about my business interactions with BBVA Compass bank. I have had nothing but issues and frankly this is VERY upsetting. Why is BBVA bank treating me in this fashion? I have done nothing wrong. I called customer service and they informed me the account was opened on XXXX/XXXX/2016 and closed on XXXX/XXXX/2016. WHY ARE YOU DOING THIS? I have done nothing wrong to BBVA Compass to receive this treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: For a savings account promotion, the bonus requirement is tiered like this : deposit 20,000+ dollars and maintain 60 days you get XXXX dollars credit ( deposit 5,000~XXXX for the same time, you get XXXX ; 10,000~XXXX, you get XXXX ; 20,000~XXXX, you get XXXX ; 50,000+, you get XXXX ). I met the bonus requirement and received their mailed congrats letter saying " Your {$100.00} bonus has been deposited ''. The correct amount should be {$200.00}, instead. 

I made several phone calls to escalate the issue and ask their preferred customer team and marketing team to research into this. They have checked my account and agreed with me over phone that I am eligible for the {$200.00}. They have created two case numbers : the newer is XXXX. 

The original reference number on the bottom of the letter they sent to me is : XXXX. 

I spent almost 3 hours in total talking to them over the phone. What surprised me is they just created a case and then no follow-up. Now I have to spend another half an hour to escalate on CFPB. 

There seems some glitch with their ( Bank of America 's ) bonus tracking system. We've seen many complaints about bonus not tracked correctly for their various promotions on CFPB. It's time for their IT team to fix this and save customers ' time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2018 about Debt collection (Medical debt) with SYNCHRONY FINANCIAL (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: As of XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX to obtain a receipt for each payment I've made to them regarding my debt with XXXX XXXX. This account was settled with my final payment of [ {$180.00} ] being made on XX/XX/XXXX. 

The payments I made to XXXX XXXX XXXX XXXX, were done by phone and while they recently sent me an account settlement letter, indicating that my debt with XXXX XXXX is settled, when I asked the representative for receipts for the payments I've made to XXXX XXXX XXXX XXXX, he told me that he could not do that. 

I explained that I didn't receive receipts for my payments to XXXX XXXX XXXX XXXX, but only the few accounts letters he acknowledged that were sent, but which only indicated my account balance and my final payment to XXXX XXXX XXXX XXXX. 

The most recent letter I received from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, also shows a Total Balance Due of [ {$94.00} ], despite the fact that my account was settled on XX/XX/XXXX, and while it was explained to me that amount reflected a remaining so-called " savings balance '' after agreeing to their settlement offer, the way it appears in this statement from them, could easily be misconstrued as indicating that I still owe an outstanding balance. 

In light of this fact as well as the fact that I've never received receipts from XXXX XXXX XXXX XXXX, I implored the representative from XXXX XXXX XXXX XXXX that I'm entitled to a receipt of payment for each transaction I made to them and that, specifically, this is what I was requesting, to which he continued to assert that XXXX XXXX XXXX XXXX had issued, when in fact, I have NOT received any receipt for any of the payments I've made to XXXX XXXX XXXX XXXX. 

I know, by law, I am entitled to a receipt for any transaction I make, and before my XXXX XXXX debt was sold to XXXX XXXX XXXX XXXX, it was being managed by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, of whom always provided a receipt of payment to me, along with a confirmation number, for every payment I made to them as collection on the debt I originally owed to XXXX XXXX. Even before my XXXX XXXX XXXX XXXX account was sent to their own collection department, XXXX XXXX itself, also always provided me with a receipt of payment for every payment I made. 

To date XXXX XXXX XXXX XXXX is refusing to provide me with receipts for the payments I made to settle my outstanding debt with XXXX XXXX. This is why I am now reaching out to the CFPB, because I need help ascertaining this information I am legally entitled to, from XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Student loan (Non-federal student loan) with The Regional Adjustment Bureau, Incorporated (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Keep lying about how much I owe and payments made and how many loans were takin out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: NO ACCOUNT OR WET INK ASSIGNED AGREEMENT TO ATTEMPT TO COLLECT ANY DEBT I DO NOT OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Here is the information provided by your organization regarding inquires : An inquiry refers to a request to look at your credit file, and it generally falls into one of two types : Hard inquiries. These are typically inquiries by lenders after you apply for credit. These inquiries will impact your credit score because most credit scoring models look at how recently and how frequently you apply for credit.
Soft inquiries. These are reviews of your credit file, including reviews of existing accounts by lenders, prescreening inquiries by prospective lenders, and your requests for your annual credit report. These will not change your credit score.
This is the definition of the two types of inquiries used consistently when researching about the impact of inquiries on credit scores. I am concerned that Navy Federal Credit Union does a hard inquiry on credit reports when changes are requested on existing accounts such as credit limit increases. This practice has a negative impact on credit scores for an extensive amount of time ( 2 years ) and is n't a fair practice for consumers. A credit limit increase is typically not considered a new application by most financial institutions and should not be viewed as such. Please review this practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Since XX/XX/XXXX I disputed erroneous trade-lines reported by XXXX XXXX to the credit bureaus. XXXX XXXX said they sold the account to XXXX XXXX because it was charged off on XX/XX/XXXX for {$310.00}. However, I paid XXXX XXXX on XX/XX/XXXX to delete the debt from my credit reports which they granted. Despite that, XXXX XXXX refuses to remove the negative information off my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MO).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage through US BANK and they have been working on it for almost 45 days now. I get a phone call yesterday stating we ca n't close on time because they do n't have everything they need done. The bank would call us and give us less than 24 hours to get them what they need instead of calling ahead and letting us know what they need to get the loan to close. Then they say they wo n't be able to close for an additional 2 weeks. They push all the blame on me and my agent saying that if we would have gotten everything to them in time they would have been able to close the loan. However they had everything except the final inspection done. So I pulled my loan from them another lender looked at it and said the reason they ca n't close is the paper work us bank had set up was wrong and would not be a qualifying loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX BANK is not factual and after I paid debt I was promised of removal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (I do not know) with 4M Collections, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I received my paycheck today with a {$300.00} garnishment from 4M Collections, with the names Discovery Financial and XXXX XXXX attached to the order. I was NEVER contacted regarding this debt and have not had any debt for 10 years or more as I filed bankruptcy back when my children were in XXXX school. I do not have any collection agency remarks on my credit, nor have I received ANY phone calls NOR letters regarding ANY type of debt owed. I have tried MULTIPLE times to try and contact them today to get an answer to no avail. They have robbed me and are 100 % wrong in taking my hard earned money. I am a single woman who is barely making ends meet. I do NOT have the money for them to take. Also, the name that they have me listed is, and has NEVER been my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Payday loan () with EZCORP, INC. (TX).
Issue: Received a loan I didn't apply for

Complaint: I have had a loan with TX EZ Money for several months now and as of XXXX XXXX, 2015 I was informed that they were going out of business and my account would no longer be accruing interest I would just be responsible for the principal. 
Today I called in to make a payment as scheduled and I was informed by XXXX, an employee, that she was going to refer me to another payday lender so I could apply for another loan to have my loan with TX EZ Money paid in full. 
I told her I was not interested in applying for another loan with another lender and that I would continue to pay my loan on my regularly scheduled day. 
After 45 minutes I received a call from XXXX XXXX payday loan asking me to go in and fill out paperwork and take all the required documents to apply for a new loan. I do not believe that this is a fair practice. I am no way obligated to try and get another payday loan from anyone and they shared my information with others without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I recently got a copy of my TransUnion credit report.. Upon review of my credit report, I found that there is an inaccurate and unverified bankruptcy on my report.This has negatively impacted my ability to receive credit and has resulted in unnecessary embarrassment and inconvenience. 
As stated in Section 609 of the Fair Credit Reporting Act, ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file unless the information is outdated under Section 609 or can not be verified. 
As is my right, I am requesting verification of the bankruptcy reported on my credit report. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: Dear Financial Consumer Protection Bureau Representative, I am writing to inform you of a compliant about my checking account that I would like your organization to investigate with BBVA Compass. On XX/XX/2016, I was charged two overdrafts for a XXXX dollar debit for a XXXX charge, and for a XXXX dollar debit for another XXXX charge. 
When you look at the 2nd picture that I have attached with this complaint, my balance before the XXXX dollar charge was XXXX on XX/XX/2016. And, my balance the before the XXXX dollar charge was XXXX. So, clearly, by looking at the 2nd image, I did not have insufficient funds for those two items, but, yet, the bank charged me two overdraft fees. Please see image 1. 
Every other transaction after the XXXX dollar transaction was a debit card transaction, which should have stopped when my account reached a zero balance because I opted out of debit card authorizations, when there would be no money on my account. Yet, the bank allowed me, by mistake, to go over and then charged me two overdraft fees on those items mentioned above.

Company response to consumer: Closed with explanation