milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I am a citizen and resident of XXXX, but between XX/XX/XXXXand XXXX I was employed by XXXX XXXX XXXX and lived in California. Through my employer, I had a XXXX managed through XXXX. When in XXXX I was about to move to XXXX, I wanted to consolidate my accounts in one institution, and I chose Bank of America ( BofA ), which is where my checking and credit-card accounts were. ( If I remember correctly, I spoke about this to XXXX XXXX ( XXXX ) XXXX at BofA, at the BofA branch on XXXX XXXX XXXX in XXXX XXXX, CA ). I was very clear about my residency and citizenship status. Nonetheless, it was suggested that I rollover the XXXX to an IRA with Bank of America, and so I did, sometime in the spring or summer of XXXX. 

At some point later, BofA had XXXX XXXX manage the account. I was informed of this, but I had no say in the matter. 

Then last week, I received a letter from XXXX XXXX stating that they will no longer be the custodian of the account, and that it will be liquidated 30 days after XX/XX/XXXX. On the phone, they explained that this is since I am not a US resident, a fact that was known to them when BofA had me open the account 11 years earlier, and throughout those 11 years. Making some more calls, it turns out that no financial institution is willing to be the custodian of the account, since apparently they I am not a US resident. Thus it seems that BofA behaved either with negligence or fraudulently when they had me open an account in a way that may not have been legal. 

Thus, my retirement account will be closed without my consent, and I will be forced to be responsible for the tax, early withdrawl penalty, and any other costs. 

( I should say that I kept two addresses with BofA : my address in XXXX, and the address of a friend in California who was helping to collect my mail. You can see both addresses in the attached screenshot from the BofA web page. Over the years BofA sent me many account reports to the address in XXXX, so they knew all along that that was where I was living. )

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 06-10-2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My information was used to obtain an apartment, cell phone, and an auto loan with my ex-husband. I am a victim of identity theft and have put this off for too long. I 've completed the pro per steps, 1. notify creditors 2. police report 3. inform ed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.  XXXX  sold this fraud collection to enhanced recovery after my fraud claim and case with diversified funding. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Payday loan) with Critical Resolution Mediation LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This slimy debt collection company Critical Resolutions, uses fake names and cloned phone numbers, they already said they closed their file when I provided my bankruptcy discharge when I filed a complaint about them before, however I continue to receive harassing and threatening phone calls from them XXXX phone numbers XXXX and XXXX often the caller identifies them self as XXXX, there are numerous consumer complaints online about this sleazy company I received XXXX phone calls today, home, work and my cell!!!! what else do I need to do to get these people to stop!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 04/29/2015 about Debt collection (Auto) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: On XXXX Bank of America Collections department seized ALL funds in our checking account in the amount of XXXX. We spent over 2 hours, XXXX people, and XXXX disconnections later to get an answer to what this seizure was in reference to. Bank of America stated that this was a seizure of funds for collection of a boat loan debt. The collection attempt is for a Bank of America Loan. There was no judgement, no lawsuit, no certified letter, no letter period that indicated that they would seize my funds. This account holds ALL of our funds. This account has a third party listed on the account and 100 % of wages of this third party. This has caused us to not be able to pay our bills including our rent which is due on XXXX XXXX. If our funds are not put back we will be facing eviction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: On Saturday XXXX/XXXX/2015 at about XXXX I deposited a check in the amount of {$5000.00} ( XXXX XXXX ) via the ATM at Bank of America branch at XXXX XXXX XXXX, XXXX XXXX, NJ. The ATM machine after several minutes gave a reading : " Item Rejected ''. After several more minutes waiting for further instruction or the return of my check ; I pressed the 'cancel ' option. the ATM machine made a processing sound and then went back to the BOA home screen. I called Saturday and was transferred to at least XXXX other departments. Ultimately, i was advised that the only option was to wait 10 days as the law permits them, whereby they would credit the {$5000.00} to my account. this is very fishy. I relied on their ATM machine for every external deposit made. I was told that I have not made deposits of that size prior. I ask what does that have to do with the bank holding up my resources? I informed them that they have a responsibility to me and they are not for-filling that obligation. I also informed that the ATM machine does not have a notice advising people to 'use at your own risk '. Finally, I have attempted to deposit a 'stale dated ' check and the machine rejected it and kicked it back to me. Please help to resolve this matter. If it is determined that BOA has deposited my check in an 'unknown account ' I am asking that they compensate me with triple the interested and benefits that they have acquired. Thank you, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting inaccurate information about my mortgage, car, and other older claims that should be removed such as medical bills, etc. discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have a debt with " the XXXX card '' now per my understanding Your Rewards credit card has a dual function that allows you to access two credit card accounts with separate lines of credit a XXXX account issued by XXXX XXXX XXXX, XXXX. and a XXXX XXXX Private Label Account issued by the XXXX XXXX XXXX. 

REF : XXXX XXXX XXXXXXXX Debt is from XXXX I was in the XXXX from XXXX. I was in the belief that I paid off the card in full before departing to XXXX in approx XXXX. I never received any statements from XXXX while I was in the service that there was remaining debt. 

Had there been remaining debt it would have been garnished from my XXXX XXXX pay immediately. 

From XXXX to XXXX I received no notices that I had a debt. 

In XXXX I received a notice from a 3rd party debt collector stating that I owed over XXXX. For which about XXXX is actual debt and the rest is interest. 

Debt collectors pay only a fraction of the charged off debt. 
Debt collectors to the best of my knowledge can not continue to charge interest on a debt. 
This debt is over 11 years old. 

When I contacted them they THREATENED : they will put a lien on my social security number. 
sue me for the 11-year-old debt that the debt will continue to gain interest They will garnish my wages ( they have done this ) They also stated that even though they are a 3rd party debt collections agency they are not bound by the statute of limitations. 

The Law that they are talking about ( I would guess ) that gives the government the right to collect a federal debt without a statute of limitations is PUBLIC LAW 110234. Which is only applicable in the following categories. 

anyone OVERPAID by a federal agency Federal Student Loans Child Support Income Taxes This debt does not fall into any of these categories. 

However ; even it did per SEC. 14219 ( 2 ) ( B ) APPLICATION OF AMENDMENT.The amendment made by subsection ( a ) shall apply to any debt outstanding on or after the date of the enactment of this Act. ( XXXX XXXX ) Said debt does not fall into one of the categories and is from XXXX. Thus making the statute of limitation applicable in this case. 

This debt by their own admission is no longer with XXXX but is a third party debt collector. See attached screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AL).
Issue: Account opening, closing, or management

Complaint: I signed up for a bank account with Citibank for a promotional offer where I would receive XXXX airline miles after meeting a set of criteria. I met the criteria XX/XX/XXXX and waited the three billing cycles that the promotion required to pass before I was given the airline miles. The miles should have posted XX/XX/XXXX and that 's what I was told, but I still do not have them and now my messages are left unanswered.

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 02/17/2017 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Due to a divorce, and reduction in household income, my first lien holder, XXXX reduced my interest rate and established an escrow account. I am getting ready to make the third trial payment with them. While it is a partial release of pressure on my finances, the second mortgage holder, Wells Fargo has refused to assist in any way. I have forwarded to Wells Fargo, a copy of the written offer of modification by the 1st lien holder. However, Wells Faro has turned me down three times, including an appeal.

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 10/30/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (PR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX XXXX, when a mortgage loan was in process, an account that does not belong to Diversified consultant # XXXX that collects a lost balance with XXXX XXXX of XXXX was reported. This information reported incorrectly is adversely affecting the process of the purchase. I need to correct this information immediately and be awarded to the person

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with Convergent Resources, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: CONVERGENT OUTSOURCING, INC. Has put an " open '' collections on my XXXX credit report. This is a OLD Collections account which was originally from XX/XX/XXXX and was and is a " REMOVED COLLECTION '' as of XX/XX/XXXX. 
XXXX XXXX XXXX {$530.00} this is the removal info on my credit report. now this company CONVERGENT OUTSOURCING, INC. has illegally changed the OPEN date on this same old account from XX/XX/XXXX to XX/XX/XXXX and last reported on XX/XX/XXXX. this is a debt buyer company and have SEVERAL Complaints against them.. they have " PARKED '' as they say this old Removed Collection account on my report. and its only showing on my XXXX report as I believe its harder to get items disputed removed. I just checked my full free credit report last week and this collection was not on there!

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've called XXXX XXXX company to complain that the account has never been late past 30 days. They 've looked into their system and confirmed, yet the mark is showing 30 days late as of XXXX XXXX. Please investigate and have them update all there credit report agencies. the amount past due at the time was {$430.00}

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 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from Portfolio Recovery Associates , LLC. I had previously disputed this account. I have never done business with Portfolio Recovery Associates , LLC. Pursuant to the Fair DebtXXXX Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Portfolio Recovery Associates , LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin XXXX. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Portfolio Recovery Associates , LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Transaction issue

Complaint: I made a charge with my Bank of America credit card on XXXX/XXXX/16 to XXXX ( XXXX XXXX XXXX XXXX ) for the amount of {$810.00} for XXXX car payments on my daughters auto loan. On XXXX/XXXX/16 I learned via XXXX and my daughter that to date the money had not been sent to XXXX. To date this has been triple confirmed with XXXX including at their corporate level. I have spent over 20 hours on the phone with Bank of America since Tuesday XXXX/XXXX/16 trying to resolve this and have been practically brought to tears by XXXX of transfers, holds and complete lack of tracking my missing payment. I believe there is an issue of internal fraud. Bank of America has stated that my money is in limbo and they would have it credited back by XXXX/XXXX/16. It has been over 60 days!! To date it has not been credited and the new round of phone calls I have made to Bank of America this week have not led to a complete abandonment of any responsibility to do so. I have asked for proof of the electronic transaction number ( XXXX said they should absolutely have this if they made a payment ) with Bank of America refusing to provide XXXX. Then today XXXX/XXXX/16 after being on hold for 2 hours and 40 minutes I was transferred to a " XXXX '' in the " Dispute Dept. '' who informed be that my payment went to XXXX Bank and I would need to call them to arrange a charge back. This not only was a complete new excuse given for where my missing money has gone but I nor XXXX has any affiliation to XXXX Bank!! Bank of America refuses to explain how or why my payment to XXXX went to XXXX. I never ever authorized a payment to XXXX for any reason. Bank of America refuses to provide any documentation. To date we have already paid interest on money that is in Limbo and late fees to XXXX for the payments I made on XXXX/XXXX/16 that I never knew were never sent to XXXX. We have since had to bring those payments current with additional payments and are now getting the most extreme case of the run around from Bank of America about crediting the {$810.00} back to my credit card. I talked again today to the corporate office for XXXX that for the 3rd time combed my daughters account just to be certain the payment was not applied to her account. He verified it is not. He states he has never seen or heard of anything like this in the banking industry. He, like me suspects there is internal fraud behind my " limbo '' payment but I can get no where by calling B of A. I have called every day since XXXX/XXXX/16 and each call results in 3 hours of holds and transfers. 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 04/25/2017 about Debt collection (Auto debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am not satisfied with seeing an tem that hasnt been validiated on my credit report with accurate information and demand for the bureaus to remove it. If a collector is in power of any debt that needs attention, first it needs to be validated and ask that what is reporting on my credit to remove it ASAP.     All I expect is to hear back from the CRA 's that my item is off..

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened an account with XXXX XXXX about 5 years ago and I have noticed another company stating that I owe XXXX XXXX who I think is XXXX XXXX {$1300.00} and I do n't know I do n't have any bills stating i owe this amount to them and also I never open any account with XXXX XXXX they are saying I opened an account with them as well as in the payment history its not complete its saying I have never made a payment to XXXX XXXX and also that I am failing to pay them how is this accurate I can not pay money to a company I do n't know i do n't know what they are trying to do to me but I had to reach our for help I have tried other measures such as calling but I have not had any luck.

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 03-08-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Please reference my last complaint, which the company failed to address, complaint # XXXX. 

The bank issued 2 checks each in the amount of {$3000.00} and mailed them to my daughters through bill pay. 

According to their online bill pay statement : https : //www.bankofamerica.comXXXX XXXX XXXX XXXX ... the check will be mailed to the biller, and the money will be subtracted from your account when the recipient deposits the check. '' In actual fact, B of A deducted both checks on the day the bank said the checks were received. One was received and cashed several days later. One was never received. I asked them to cancel payment and issue another check, which they did. BUT, they never redeposited the {$3000.00} to my account until the new check was received and cashed, but B of A kept the {$3000.00} in their own coffers for the duration, until the new check was cashed on XX/XX/XXXX. 

At this point I began investigating their practice and found they do this all the time -- in effect kiting checks between the time they say the check arrived and the date the check is actually cashed. I've found several more instances of checks being kited for days, including a {$9000.00} to my CT tax office. 

They have responded to the first compliant with a ton of dates and website links, both of which I have discussed with one of their reps. They have not, however, done anything to make me whole. I must renew this complaint or bring another under a new number. If this does not bring resolution, I will seek legal representation. It is necessary because the problem is not only with my account but with all bill pay users and accounts for millions of dollars being kited by B of A.

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 07/17/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Confusing or missing disclosures

Complaint: I was checking my credit score o n   XXXX   XXXX   and saw that my   XXXX   credit score went down about  XXXX  points during the last   reporting period for apparently no reason, as nothing has changed since the last period. I am filing a separate complaint about this, but this complaint is about TransUnion who I went to, to check for information to compare with   XXXX   to see why my TransUnion score did n't go down, but my  XXXX  one did.
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I had to make an account to check this information, and they asked for my card information which I just assumed they needed to accurately reflect credit. They made NO indication that I was signing up for a paid account, and now whenever I try to go through their portal to cancel my subscription that I apparently now have, it does n't work. Every contact method they list is related to opening accounts/getting more information and I do n't really want to call because I 'm worried I might end up with more useless charges and no way to get my money back.
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This exchange happened on  XXXX   XXXX , 2017 and the amount I was initially billed is {$21.00}, which I also assume is going to be a recurring cost.

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