milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On XXXX/XXXX/XXXX I was XXXX at XXXX and the suspect took my wallet, watch and cell phone. My wallet contained ID, personal document and credit cards. In the cell phone there were stored all my personal information, SSN, internet banking passwords, copies of the checks and checking and savings account numbers. I immediately informed police regarding this matter and they told me to change the cards and accounts which were affected and inform credit bureaus to place a fraud alert on my credit report. I placed the fraud alert on my credit bureaus and started updating banking information for all affected banks. 
On XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> I visited XXXX BOA branch and asked them to change my checking account number because of the facts mentioned above. The banker suggested me to close the old account and open a new one, as they could not change the old account numbers. I did whatever they instructed to me. I withdrawn all my money from old account and deposited to the new one. The banker was very helpful and persuaded me to reopen my closed business account ( which I closed this year because of changes in their fee policy for business account and saving accounts ) which I agreed to do. They asked me to verify my SSN because of the fraud alert from XXXX and i have shown them my SSN and I passed the verification. On XX/XX/XXXX I received a strange mail that my accounts were closed after ''careful review '' and no reasons were provided. 
I was banking with BOA for XXXX years never had any negative experience and buddies from my part and they closed my account after they instructed me to open a new account instead of changing the old one. I was victim of XXXX XXXX and my valuables and personal information were stolen. Now I am getting such a support from BOA. Nobody from branch contacted me and informed about decision. They told me to close the old account and open a new one as it was much safer. Bad service zero communication and support. 
I am attaching police report from XXXX XXXX police department to my complain. I am ready to provide any additional document as needed and contact of detective who is investigating this case.

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 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am having several issues with both TransUnion and XXXX. I 'll detail my concerns for both in XXXX separate complaints. My biggest concern is with TransUnion. First, and most importantly, TransUnion has inaccurate information on my credit report. I have a creditor that was discharged under chapter XXXX bankruptcy that still shows repeatedly under " open collections ''. Not only is this creditor listed under open collections when it should n't be, but the same debt from them shows multiple times, under multiple lines, insinuating there was more debt owed to them than there actually was. These appear as derogatory marks on my credit report. My second concern is that my attempts to resolve this with them has been unsuccessful. For four years now I have been unable to login, create an account, view my annual free report, file a dispute, etc. I am totally and completely unable to do absolutely anything with TransUnion. I have attempted to file a dispute both online through their secure website, and over the phone with a representative, and have been unable to do either. Every year when I login through the annual credit report website, I 'm only ever able to view and save my Equifax report. I receive varying error messages from TransUnion, ranging from " we ca n't process your request at this time '', to " the information provided does n't match our records '' to " We are experiencing technical difficulties and can not process your request at this time '', etc. This happens every single year and it 's been atleast 4 years since I 've been able to access this information from TransUnion. Last year their site said I had already accessed my free report, and that was n't true. I attempted to resolve that issue last year and they absolutely refused to help me, despite my repeated attempts. It got to the point where I gave up. I want to have this creditor removed from the open collections section of my credit report. I also want my rights to my free report restored, and I want them to have their IT department figure out why I ca n't create an account. I also want the XXXX XXXX XXXX hard inquiry removed from my report as I did not authorize this inquiry. If I were able to actually complete a dispute with them I would notate this on the dispute myself. I feel my rights are being taken away by this company and I 've been trying for years to resolve it to no avail. I need to be able to dispute any inaccurate information that is negativity effecting my credit score. This company seems to have no sympathy for my situation, and TransUnion has been downright combative in resolving it. I 've already disputed this particular creditor with XXXX, as they actually make it easy and I 've never had any issues with them. Please help!

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 12-10-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because Equifax has ignored my request to provide me with any documents that their company has on file that was used to verify the accounts I disputed. Since they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, we filed a chapter XXXX bankruptcy in XXXX. In the bankruptcy we listed a house which had an FHA loan on it. The loan was serviced by Countrywide, who was purchased by Bank of America. We did not want to keep the property. The bankruptcy was approved, and our debts were discharged on XXXX. 

Since that time, the lender has refused to take the title to the house. We have made many attempts to sign over the deed. I have many notes of telephone calls, etc. They were not returned. This past year we even hired an attorney to contact BOA to facilitate signing over the deed. Her calls were not returned either. 

We have been told by several banks that we are unable to refinance our current mortgage or obtain a new one until this house is out of our name. Worse, we have been told that if the bank takes it by foreclosure, it will appear on our credit report as a new foreclosure, just as if a new financial crisis occurred instead of dating it back to XXXX. 

We believe that this situation is fundamentally unjust. We had to file for a bankruptcy due to a total XXXX. We are trying to get the fresh start which the bankruptcy laws are designed to provide. We have been managing our financial affairs quite well in the over six years that have past. How is it that Bank of America can be allowed to crush our future? 

We suspect that the whole problem is the FHA mortgage. As we understand it, when a borrower defaults, the US government steps in to make the mortgage payments. This continues as long as the house remains titled to the borrower. If the bank takes it back and sells it, the bank only receives a portion of any loss from the government. We understand that banks might or might not be the ultimate bondholders of the GNMA pool containing the mortgage. However a servicing fee is paid to the the bank. What inventive does Bank of America have to take back the title? From where we stand, they have no incentive. 

An interesting contrast is found with the other property we listed. That was not insured by the government. The lender with that mortgage took the title immediately, and sold it. The entire matter was complete within six months of discharge. 

We are asking the CFPB to investigate why this is taken so long, especially given the heavy documentation of our willingness to sign the deed over. Further we want the CFPB to insist that our credit not be harmed any further

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 05/21/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (DC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX, representative from Midland Funding , LLC contacted me numerous times between XXXX XXXX - XXXX, 2015 requesting payment for a debt. XXXX requested I make a payment and I refused because I had not received validation of the date. I inquired about a settlement without validation and was told by XXXX that I had to give him my bank account information before they could make offer a settlement. I declined to give him my information and requested a settlement in writing and was again told that he could not give me a written offer until he had my bank account information. I declined giving him my information. In XXXX 2015, they reported the collection to the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i just ran a credit report on myself, and could not print an online copy due to what seems like identity fraud. I have seen on my report from equifax that someone has opened a mortgage loan as well as a a car loan and credit card under my information, when I have n't done this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Optio Solutions, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX tried to repair my 24 year old clothes dryer, after assuring that it will work like new again, which did not produce enough heat to dry clothes at a reasonable time.But they failed to do so. It produced same inadequate heat like before. After repeatedly asking to correct the situation, I finally stopped payment. Now they are hounding me to collect even more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In XXXX of 2016 I Filed a complaint with ChexSystems about a report the said I owed with a bank. I got a letter about verifying my identity asking for a letter from social security administration. They do n't send letters so I called them in XXXX to tell them I also sent a copy of my social security card and I 'd. I did n't hear from them until XXXX which was a another report. They have yet to respond to my dispute that they have my social security number wrong on my report. My number is XXXX they continue to show my number as something ending in XXXX. I tried to call and all I get is being bounced around by a answer machine. I would like for them to take all the accounts on XXXX off my chexsystems 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 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My experience with XXXX/Navient mirrors the current CPFB complaint. When I was unable to make full payments on my loans, both XXXX and Navient representatives recommended deferment and forbearance rather than income-sensitive repayment options that were also available. I did tell the reps that I could pay something but I was told that forbearance was a better option. This has led to a staggering amount of interest that continues to compound, essentially nullifying my monthly payment. The whole payment goes toward interest rather than principle, it does n't seem that the loan will ever be paid. Although I did apply for and was approved for an income sensitive repayment plan, it 's too late. 

A second issue I encountered was with the service provided when XXXX transitioned to Navient. I was told that I could continental to make payments online, however that was not the case. I thought I was making my regular payments and receiving email confirmations. However, I actually needed to call and have a rep set me up for online payments. I never received any notification that my payments were n't received, which meant that more interest and fees were added. 

When I read that the CPFB was investigating this, I immediately recognized my own experience and wanted to register my complaint. I hope that there is some relief in sight that does n't involve bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a correspondence from this company  (  Transworld Systems Inc  )  dated  XX/XX/XXXX , that stated they will make a request to have this account/item removed from my credit file. As  X/XX/XXXX , this has not happened. On  X/XX/XXXX  I filed a complaint with the CFPB case number  XXXX  and the company responded stating that they have requested to have the item deleted from credit file. The account on these correspondences is  XXXX . They continue to report this item/account to the credit bureau  ( s )  with an account number as  XXXX . On   XXXX   I sent another correspondence to this company, which they received on   XXXX   per  XXXX  tracking. As of  X/XX/XXXX  I have received no reply or correspondence from this company, but they continue to report to the credit bureau  ( s  ). The company also sent me a copy of a promissory note. In my correspondence I requested the original wet ink signature document as the copy may be a forgery.      1.  What is the alleged account number  XXXX  or  XXXX ? The company reports with both of these numbers. On the letters received it is listed as  XXXX , but on credit report as  XXXX .    2.  Why is the company using  XXXX  different account numbers? Seems to be unlawful and fraudulent activity.    3.  Can the company provided the original wet ink signature document  ( pr omissory note )?

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit card or prepaid card (Government benefit card) with Comerica (FL).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On XX/XX/XXXX I got a charge of a XXXX XXXX XXXX XXXX that was not authorized on my account usdirectexpress giving me the runaround saying they're not a bank and they can't really do anything I filled out the form they sense 180 days they haven't given me my provisional credit and they're lacking customer service skills I called 3 times just to be bounced around by different departments I filled out the form and I mailed it back to them still no provisional credit the bill was {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Rewards

Complaint: Hello CFPB : Would it be possible to re-open my complaint XXXX? 
It was prematurely closed despite my provision of further evidence to prove that the bank did not reward me with the correct number of points. The response provided by the bank was inaccurate. I 'm attaching the correspondence and documents to substantiate my claims. Thank you so much for your attention. 
Good day! 
XX/XX/XXXX/XX/XX/XXXX, I called Barclays XXXX XXXX to cancel my credit card to avoid the annual fee. The operator offered a retention package, which involved earning XXXX XXXX XXXX points after spending {$2500.00} for XXXX consecutive months. I signed up for it. After meeting the spend of {$2500.00} for 6 months ( XX/XX/XXXX-XX/XX/XXXX, to be sure to get the bonus, I even spent {$2500.00} XX/XX/XXXX ), I patiently waited for my bonus to post. In around XXXX, I called to inquire and operators had repeatedly told me to wait for the points to be credited. XX/XX/XXXX, I knew something was amiss when my points have not showed up in my account. I called again with operators dismissing my concerns and promising that the points will ultimately come through. After calling about 4-5 times, I had finally reached my threshold and requested to have my issue escalated. I spoke with a manager who vowed to review my case. I received a letter a few days afterwards informing me that I was not eligible for the bonus because I did not sign up for it. I was exceedingly disappointed because this was not the truth so I called again, this time requesting for all my previous calls and conversations to be reviewed. I am not sure if they reviewed the conversations but they responded again that I did not sign up for the offer. I felt that this was an extremely dishonest and fraudulent practice for this bank to lure me back into signing up for another year, with the promise of bonus miles and subsequently denying their offer. I called again and finally reached a sympathetic manager who listened to my complains. I conveyed that it defies logic for any customer to try to spend over {$2500.00} every single month for 6 months in a card that was initially about to be closed down. The bank ended up giving me XXXX as a consolation, instead of XXXX that they initially promised. After a few days, I was reading a blog that indicated the same exact circumstance has been happening to other consumers. Barclays has been offering this promotion to sustain customers but unable to stay true with their word. I initially did not want to complain but I think CFPB needs to be made aware of this unethical and unscrupulous behavior of this bank. I also would still want the other half of my missing XXXX bonus. Thank you so much for listening to my concerns.

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 non-monetary relief
Consumer complaint received 12/21/2017 about Debt collection (Federal student loan debt) with National Enterprise Systems, Inc. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Recently I suffered a leg injury which has prevented me from returning to work and living on fixed XXXX Benefits payment. I was informed by a co-worker via text messaging of a phone call recrived by my employer which was made by XXXX XXXX XXXX XXXX. Previous to becoming injured I had imformed this agency that the number they had was that of my workplace and that it was against company policy to take non emergency personal calls. At which point I asked this agency stop making phone calls to my place.

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 10-12-2017 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On my credit reports from XXXX, XXXX, and XXXX there appears a tradeline that I have been disputing since XX/XX/XXXXwith the CRAs and the furnisher. 

The tradeline is furnished by XXXX XXXX XXXX XXXX XXXX and it lists itself as the lender on an alleged conventional real estate mortgage opened in XX/XX/XXXX. The reference number is XXXX. I did not get a mortgage loan from XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. There is no promissory note, allonge, or endorsement of a promissory note listing either as a lender with me as a borrower. 

The CRAs keep returning verified as the result of the reinvestigations.

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 02-11-2018 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I don't see this loan as useful anymore on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: I have Bank of America cash reward credit card since XX/XX/XXXX or XX/XX/XXXX ( this is also my first credit card ). I have set auto-pay for this credit card. It worked well in past years. But the auto-pay stop working since XXXX XXXX. I did not notice that since most time I use my other credit cards. Then I received a mail from BOA said I did not payoff my balance for 3 months, and I have to pay off the balance otherwise my credit card account will be closed. I paid the balance ( less than {$45.00} ) immediately. But my account still being closed, and my accumulated cash reward is also gone ( it is about {$24.00}, since it is less than {$25.00}, BOA said can not redeem my reward ). 


Actually, I 'm totally fine with the close of this credit card account. 
BUT this experience makes me upset and angry. 
1 ) it is not my fault that auto-pay does not work. I have credit cards of XXXX, XXXX, XXXX XXXX. and all other credit cards work well with auto-pay. The reason I set auto-pay is I don not want to spend time to keep an eye on them. 
2 ) I just noticed my FICO credit score dramatically drop from XXXX to XXXX after that. 

I have over $ XXXX in my BOA checking account, and they close my account for balance of {$45.00}, and the reason is their auto-pay does not work. Why they can not give me a call at the very beginning, but mail me after it happened for 3 months. 
The worst part is it will take me very long time to reestablish my credit, and it will affect my subsequent purchases ( mortgage interest ).

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