milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Credit card () with U.S. BANCORP (CA).
Issue: Balance transfer

Complaint: I applied for USBANK visa signature card since they were offering % 0 APR for balance transfers for one year. Also they were offering {$100.00} credit if you spend {$500.00} within a month. I completed both requirements and to my dismay I was denied the promotions they were offering after I made a balance transfer and spend over {$500.00} on the credit card. I called customer care and spoke to supervisor called XXXX and almost spend one hour on the phone since these guys are not organized and specialized in wasting valuable customers time. I was told balance transfer did n't hit my account within first month of account opening which is not true. I did some due diligence prior to balance transfer and called USBank customer care and I was told as long as I completed balance transfer on XXXX XXXX I should receive 0 % promotional APR and I followed their instructions and completed balance transfer request on XXXX XXXX. As per supervisor XXXX I was told I should have completed balance transfer on XXXX XXXX which is Sunday which is contrary to what I was told by previous customer support reps. I opened USBANK checking acct on XXXX XXXX along with credit card and I used the credit card as soon as I received it on XXXX XXXX which prompted me to believe USBank is counting the day they mailed credit card and not the day I received the credit card which is not ethical way of doing business. USBANK clock is ticking even when I do n't possess credit card to request balance transfer. I was told by supervisor XXXX I should have an existing checking acct inorder to qualify for {$100.00} credit. 
USBANK web site should n't be offering me credit card offer along with checking account opening if there is a requirement of existing checking account and this practice is very misleading. USBank is offering so many promotions in a misleading way just to attract customers and denied promotions once they open accounts. USBANK web site should n't be offering me credit card offer along with checking account opening if there is a requirement of existing checking account and this practice is very misleading I demand that USBANK grant me % 0 APR for balance transfer since I was given misleading info from customer care and also USBANK clock is ticking even when I do n't possess credit card to request balance transfer. Also USBANK should give me {$100.00} credit Since USBANK web site should n't be offering me credit card offer with {$100.00} promotion along with online checking account opening if there is a requirement of existing checking account and this practice is very misleading

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 07/28/2015 about Consumer Loan (Installment loan) with Risecredit, LLC (SC).
Issue: Taking out the loan or lease

Complaint: RiseCredit forced a loan upon me, deposited the funds to my XXXX account, then reversed course the second they found out they were at fault. In so doing damaging my credit and credibility with my bank. I was a temporary resident of XXXX and become a full time resident at the time. Legally they were not allowed to complete this loan because XXXX does not permit those type entities to write business there. Im the victim here. The loan amount was for {$800.00}. Risecredit accelerated the withdrawal of these funds from my account and continued to take action against me. My bank has an open dispute regarding this matter already. I did all I could to preserve my credit and it still happened. The enterprise RiseCredit should have its charter to business in XXXX or any other state Rejected and removed. The pray on the elderly, XXXX, and less fortunate. The last XXXX of which I am. I am facing bankruptcy, Eviction all at the same time. I hope you can address this concern ASAP. The subpeopna of any documents from Them will have to be done by your legal department. My resources are very finite. I am risking being homeless as we speak. Family and friends some of have turned their back on my entirely and chose to look the other way. I have engaged in continuing my study for XXXX in the State of XXXX and will do everything in my power to both uphold and adhere to the law. My father put it best, do n't let these crooks get the better of you. And XXXX XXXX has many of them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Payments are not allocated properly ; i.e. to the principal on the highest interest loan first.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SQUARETWO FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to get debt collection notices from CACH , LLC ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I informed them repeatedly that they got the wrong person. Pursuant to my rights under federal debt collection laws, I requested in a certified letter that CACH , LLC cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' They received letter on XXXX XXXX, 2015. On XXXX XXXX, 2015 I received another letter from them asking for monies. I want them to cease and decease letters and phone calls to my residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (Mortgage) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX/XXXX/2016 Bayview Loan Servicing became my new mortgage servicer. On XXXX XXXX, 2016, I received a welcoming package from same company that did NOT include a debt validation notice, as I understand is required by law under the FDCPA. I 've checked the front and back of the documents, which I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Deposits and withdrawals

Complaint: XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong I was unemployed, homeless, and bank was {$0.00} balance with no automatic deposit. Now overdrawn and in the negative. XXXX for {$700.00} ; XXXX XXXX XXXX for {$400.00} ; and XXXX for {$400.00}. I 've written letters, made calls, filed reports, disputes, I 'm going in endless directions.

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 10/19/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: BANK OF AMERICA CLAIMS TO BE THE OWNER OF MY MORTGAGE AND SO DOES XXXX XXXX XXXX, BOTH OF THESE ARE LISTED ON MY CREDIT REPORT AS OWNING THE EXACT SAME DEBT, MY HOME IS IN FORECLOSURE FOR NEARLY 4 YEARS NOW AND SET TO BE SOLD ON XXXX/XXXX/15 WITH NEITHER OF THESE ARE THE CREDITOR!!! BOA IS THE PLAINTIFF AND IS UNDER REVIEW WITH XXXX OFFICE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We took out a loan with XXXX and it was sold to GreenTree Servicing last summer. While dealing with XXXX, we never had any problem with our monthly loan payments being received and credited correctly to our XXXX accounts we had with them. When GreenTree took the XXXX loans over beginning XXXX XXXX, 2014 we began to have problems. 

XXXX of the XXXX checks sent in XXXX envelope for the XXXX payment was lost ( the other XXXX was cashed ), and numerous times both payment were posted to XXXX loan even though each check had the correct loan number written on it. We have sent in payments each month for the correct amount, but they are saying that we owe them approximately {$1200.00} on each account. 

We have repeatedly talked with their servicing agents, but they continue to say we owe these large amounts. We have even received information from them recently regarding loan defaults. We have been unable to get this straightened out with them and very much need some XXXX party help. 

The original PITI on each loan was approximately {$480.00}. My calculations for PITI monthly is {$460.00}. Their current billing is for about {$610.00}. My number is based on actual principal, interest, taxes and insurance. 

Their agents call us frequently wanting additional payments at odd amounts. 

We would like very much to talk with someone from the CFPB to help us get this straightened out. We can supply an actual payment history ( from our bank account ), as GreenTree 's numbers bear no resemblance to the actual payment schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Coastline Financial Resources, LLC (KY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX/XXXX/XXXX I was contacted via phone by a XXXX XXXX with Coastline & Associates about an alleged debt that I owed to a local hospital from XXXX. XXXX XXXX said they have been trying to serve me and the sheriff was coming. My credit would be harmed. They would lean my assets and my house. Just very threatening and mean. If I agreed to pay then via credit card they would send a release to fax and reduce the claim by half ( {$500.00} ). I fell for it and gave them the credit card which was immediately charged. I called the hospital and there is no unpaid bill. XXXX XXXX found me by calling several relatives. I have tried to reach her, but there has been no response. Her supervisor is a XXXX XXXX. His email address is XXXXXXXXXXXX. The research that I have been able to pull online shows that this company is located in XXXX, CA. Address is XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I originally had filed a complaint with CFPB against a debt collection agency XXXX XXXX XXXX XXXX XXXX that had reported a debt collection inquiry with all three credit bureaus ( Equifax, XXXX and XXXX ), which in turn lowered my credit score. That inquiry was not valid, and as such, I fought XXXX XXXX XXXX ( XXXX ) for them to remove me from their systems and remove the debt colleciton inquiry against all XXXX credit bureaus mentioned above. XXXX responded that they would in fact remove me from their systems as well as remove all debt collection inquiries made to the credit bureaus mentioned above ( Complaint # XXXX ). 
Equifax, unlike the other credit bureaus, have not removed the debt collection inquiry on my credit report as of XX/XX/XXXX. I am attaching the XXXX correspondence made through CFPB for CFPB to forward to Equifax as proof that the debt collection inquiry they have listed in my credit report should in fact have been removed since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My wife 's SS number used on my report ( personal information ) on the trans union credit 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 11-04-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I am being billed by Home Depot for order # XXXX, which was cancelled and never received. I am attaching some of my correspondence to Home Depot disputing this and asking for a full credit to be issued to account # XXXX, which they have not answered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from AD ASTRA RECOVERY. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against AD ASTRA RECOVERY in  regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Medical debt) with AVANTE (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A collection account was added to my XXXX credit report on XXXX/XXXX/XXXX. By collection company called Avante for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a XXXX balance. Although this account has been paid. The collection agencies keeps reselling the account. Causing it to repair on my credit report. It is unlawful for a credit reporting agency to report inaccurate information on a consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Consumer Loan (Installment loan) with USA DISCOUNTERS LTD (TX).
Issue: Managing the loan or lease

Complaint: I believe i may have been a victum of fraud by USA discounters. Looking for more information.

Company response to consumer: Closed
Consumer complaint received 10/22/2015 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (VA).
Issue: Shopping for a loan or lease

Complaint: XXXX/XXXX/2015XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX and XXXX and XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from both credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXXSS # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an account with XXXX I opened an account to them back in XXXX for a furniture cost {$4600.00} and agreed to pay {$140.00} monthly payments and have financial struggle back in XXXX for at least 6 months and I tried to catch up with all my bills and they agreed to accept my payment arrangement to pay them for {$140.00} XXXX last payment was made is {$140.00} for the month XXXX XXXX and my remaining balance is {$1100.00} and COMPANY REFUSED TO UPDATE MY CREDIT REPORT REFUSED TO UPDATE MY BALANCE ON MY CREDIT REPORT IT SHOWING THAT I OWED {$2000.00} ISNTEAD OF {$1100.00} AND I AM PAYING THEM MOTNHLY COMAPNY SAID HTEY WILL ONLY UPDATE MY CREDIT REPORT IF I PAID IT IN FULL REGARLESS OF MY BALANCE RIGHT NOW.. I dont thind this is fair for me that I am trying to pay my bill to them same as my other outstanding bill I hope I can get this fix

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: i have been banking wells fargo 9 years. in that time i have not bounced much at all this past year i did and it was due to mortgage making a mistake. right now as of this writing i am minus XXXX dollars as my tenant breached her lease and did not pay me at all.XXXX for many years i did not receive. before that she paid partial payments. for last 2 months. i never forecast this and as such payments had been scheduled in advance. inc a payment for the house. that she did not pay. Proper review of this matter to prove this is not my history would reveal that XXXX there. no one took the time to do this. leaving the fees guarantees i will cotninue to bounce. making the whole situation a lot worse.all the scripts i get are unbelievable. no one sees i am responsible and had i known my tenant would not pay at all i would have taken steps. i did not know. now i do. i will need all fees back and for the bank to see this is NOT my conduct or record and that i usually get XXXX at this 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 08-09-2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (NV).
Issue: Using a debit or ATM card

Complaint: My Bluebird Amexican Express debit card was suddenly shut down without any explanation. I am unable even to veiw my statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TN).
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: XX/XX/2017 XXXX  is only credit reporting 30 days late on XXXX XXXX account. I have contacted the creditor and they sent information to all 3 credit agency that my account was never late. 
XXXX and XXXX corrected and updated my account information. 
I have written letters to XXXX to remove lates because that is not accurate information. But have not been able to get this resolved.

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 05/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Threating to retaing license or funds of vehicle if XXXX is not payed as there invovled in organized fraud and breaching of data

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 12/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Making/receiving payments, sending money

Complaint: Bank of America has been illegally disposing of my hard earned money after over 40 years of my trusting them with my assets. it. I do not know how long this has been going on. 
In regards to this matter, I filed a case against Bank of America on XX/XX/XXXX. XXXX # is:XXXX. 
I am writing to you again to provide you with additional evidence. Not only Bank of America has failed to make scheduled payments on time and in the amounts I had planned to pay creditors ; they have also pretended to make payments to my XXXX XXXX account but my creditor denies receiving any such payment.- When contacting customer service at XXXX XXXX card ( account number : XXXX ) they have acknowledged receiving payment for {$45.00} but denied receiving {$100.00} The {$45.00} payment occurred only because I personally went to the XXXX XXXX store located in XXXX, MA. I gave them the cash money I had with me, {$45.00}. I had to pay cash because when using my Bank of America debit card, payment to the XXXX XXXX was declined. My Bank of America account had funds to pay {$120.00}. 

As you can see in the enclosed pictures, Bank of America has been damaging my credit worthiness and stealing my money from my Bank of America account. These pictures show the illicit behavior in the following ways : -Deduction of {$100.00} but never paid XXXX XXXX. 
-Letter of complaint by XXXX in regards to only receiving {$45.00} while Bank of America kept {$100.00} kept in their pocket on XX/XX/XXXX. 
-Another issue is their scheduling a payment for {$120.00} payment to XXXX XXXX without my knowledge or consent to be paid on XX/XX/XXXX. 
I will be permanently closing my Bank of America account but it will take months before I can accomplish this goal because of the very cumbersome process of reporting any account changes to multiple health insurance companies, EAPs Programs, etc. 
So far, I have been spending numerous hours on the phone calling creditors but I am the one who is not being believed, PLEASE protect me and the public from Bank of America I do want this complaint to be published but my account numbers and name must be deleted as bringing public attention to my personal matters is not appropiate in my profession.

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