milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2016 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (NC).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2016, I applied for a refinance mortgage loan with my current mortgage company Branch Banking and Trust Company ( BB & T ). On XXXX XXXX, 2016, BB & T sent me a Statement of Credit Denial, Termination or Change lettered dated XXXX XXXX, 2016. On XXXX XXXX, 2016 and XXXX XXXX, 2016, I sent certified letters to BB & T requesting answers to specific questions related to the BB & T statement of credit denial dated XXXX XXXX, 2016. BB & T has ignored my written request for information about the loan denial. 
The following support documentation is included with my complaint ( 1 ) the BB & T Statement of Credit Denial, Termination or Change lettered dated XXXX XXXX, 2016, ( 2 ) my letters to BB & T dated XXXX XXXX, 2016 and ( 3 ) my letters to BB & T dated XXXX XXXX, 2016. It is important to note that my CFPB complaint is my third request for information from BB & T about the loan denial ( my XXXX letters to BB & T referenced about plus this CFPB complaint ).

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 01/23/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I am a victim of online scam, Met a person online, I needed some money to pay my bills, he said he was going to help me.I trusted him and gave him my personal information. He than sent me a check, Told me to deposit it in my bank account. it was for a about XXXX, He said I could keep XXXX for my bills and to send him the rest. well like a desperate fool I did just that, I was so happy and relieved for his help. I had gotten a 3 day notice. He told me I should deposit it through Atm window, at my bank, Which was XXXX XXXX XXXX, I did as told, However I only got XXXX, back I was grateful for that, I went and paid some of my bills. With the XXXX, Well my happiness turned into everything but, When the bank called me and told me they were going to close my account, because the check was fraudulent, The bank said they would red flag me and I would not be able to open a bank account ever again, And that I needed to pay that money back ... Now I was more in dept Than before, I had no Idea. I called the police and made a police report, Submitted to the bank, The police were very helpful, after I explained that I was scammed, I felt like a fool. They reassured me That they would let the bank know that my actions were not intellectual. This happened about 6 months ago, I have not payed them back, I am on a fixed income with social security benefits of XXXX per month, I explained to the bank, They were not hearing. I suffer from XXXX, XXXX, and XXXX, I got XXXX of XXXX and being XXXX, I isolated myself for months still am. The police advised me to apply for life lock. And I did, because I was afraid he would steal my identity too, I had given him all my personal information, address, social security, Bank account information, he had told me he would deposit money in my account, It was all lies, I tried to open a bank account online with BBVA, for their second chance program, In hopes that i would be able to apply for a online loan through XXXX XXXX, And catch up to some of my bills which are still outstanding ... However your program or XXXX gave me a negative credit score. I feel like I take XXXX steps forward, just to be pushed XXXX steps back. How am I suppose to ever get out of this whole, Being a senior minority woman with a XXXX I feel stuck. Please tell what my rights, If any, How I can resolve Bank issue, My charactor is tarnished with all banks, I do n't know what to do .... Please help me get my dignity back, So I may be a part of this society ... Thank you for taking the time to read my story ...

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I requested my checking account from SunTrust Bank to be closed back in XX/XX/XXXX and I has not been closed. I received a call from a collection agency on XX/XX/XXXXstating that there are calling on behalf of SunTrust to collect a debt to the amount of {$180.00}. 

I went to SunTrust Bank to speak with the manager an have more details on the fees. 
They explained to me that some overdraft fee accumulated to my account before their close. When I requested my account to be close there was a balance of {$4.00} that was paid via a transfer from my saving account making an account balance to {$0.00}. 

The failure of the bank not closing my account when requested lead to some accumulated fees which I should not be responsible for. 

Unfortunately, the manager said she ca n't do anything about it since the account is now closed. 

I am requesting your help to help to resolve this issue. The current balance that I obtain from the bank is {$89.00}. 

I will be happy to see this charge cleared from my account. 

Thank you very much

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 03/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Late fee

Complaint: To Whom It May Concern : I 'd like to report a CRA/UDAAP issue with my credit card account from Bank of America as they have operated in a practice that is deceiving to consumers. As a consumer, I have a XXXX % payment performance and have never missed a payment in my life on anything. With Bank of America, I had a closing date on my credit card of XXXX/XXXX/2016 and I therefore paid my bill on XXXX/XXXX/2016 via electronic transfer from my checking to credit card account. In addition, I paid extra during the month to make progress on paying down my debt. Instead, Bank of America credited my payment to the previous month ( not quite sure why ) so by being proactive and paying the date following my closing I was penalized. They have offered to waive my late fee but reported that this will be transmitted to the credit bureaus which I will be disputing with the credit bureaus. My goal is to have this noted and to have an advocate as I seek to adjust my credit bureau reporting.

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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MIDFIRST BANK (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After a complaint to XXXX Mortgage about reporting my mortgage payments as late the mortgage company is now reporting that my mortgage loan account was modified. This reported information was and is not true. 

I applied for the mortgage assistance program in XXXX and was denied XXXX/XXXX/XXXX but In XXXX I again tried to apply for a loan modification that was denied on XXXX/XXXX/XXXX. 

There was nothing regarding any type of modification on my XXXX credit report or the XXXX report. The information is just now being reported by XXXX mortgage on my credit report after they had to do corrections regarding my payment dates In addition the {$70.00} from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX that I have been paying over the regular mortgage that XXXX had been charging back to me as a late fees has not been credited back to my account as additional principle or refunded back to me.

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: This complaint is in response to my previous complaint (  XXXX  ) which Transunion are failing to rectify and/or provide an adequate response.     In Transunion 's previous response they state - " We have reviewed your complaint along with the information you previously provided regarding this issue. On  XXXX / XXXX / XXXX  you contacted us disputing the accuracy of  XXXX  #  XXXX . As a result, the item was removed from your credit report. Please be advised, it is TransUnions policy to remove disputed authorized user accounts as you have no legal liability to pay the debt. '' Both myself AND  XXXX  have already advise d ( multip le times ) that the dispute was lodged in ERROR and that it should be removed from my account. Both  XXXX  and  XXXX  have honored this request and are re-reporting this account  XXXX  #  XXXX  on my credit report  YET Transun ion are still refusing the re-add the account despite multiple requests from myself and  XXXX  to do so. I do n't know how much more clearer we can be that the dispute regarding the balance showing was an error. I did not realize that  XXXX   XXXX  took 30 days to update their statistics.     My wife and I a rrived in the US  in  XXXX  and as I was unable to apply for a credit card my wife opened this account (  XXXX  #  XXXX  ) as the primary and added myself as an authorized user so that I could build credit. This is the only and longest holding account that I have and by removing it from my Transunion credit report means I show no accounts and therefore m y credit score  dropped from  XXXX  to just above  XXXX .     What is unclear is why  XXXX  and   XXXX   have had no problem re-reporting this account YET Transunion continue to refuse to re-add it DESPITE  XXXX  and myself and the primary account holder ALL explaining that the dispute was simply an error.     If Transunion continue to refuse to report this accou nt (   XXXX  #  XXXX  ) I will be seeking legal advice as to whether or not you are violating my rights and reporting incorrect information on my account. Since this has been ongoing from  XXXX   XXXX  I will certainly be seeking emotional and physiological damages for the stress this situation has caused me along with the fact several loan applications have been denied because of my lo w credit score  provided by Transunion.

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 08-02-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America added between {$30000.00} to {$40000.00} to my mortgage back in 2011. They claim I did a modification but yet never signed or agreed to anything. The time they are claiming I did this I was working XXXX in XXXX. When asked for documentation proof they had none. Now my family and I are harassed every month. We are sent a package every month from Bank of America with paperwork dated 2011 to sign for a loan modification. Then a few days later they send someone to our house even on Sundays they come by. They take pictures of our house and sometimes are vehicles. I never sign anything especially since it was not something I agreed to. I have also had to block their number from calling since they call consistently. They normally demand I send money to them for the modification but the last package offered me {$500.00} to sign. They owe me at least {$30000.00} not including finance charges for what they added. I owe much more now on my principal than what was financed. This can not be legal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account with XXXX XXXX, acct # XXXX is not my account. I believe this account belongs to my son, because- I have a son who is a XXXX with my same complete name. The company states this was submitted in my sons name and that the credit bureau put this in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing statement

Complaint: My son is offering to help me with my credit card bills. He 'd be able to give me about {$3800.00} and I want to apply it to my care credit with Synchrony bank. However I first wanted to know if this could help pay it down to zero. He suggest I ask for help from Synchrony.

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 04-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Account Control Technology, Inc. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Repeated calls from men with heavy hard to understand accents ( communication tactic ) saying " we are from ACT calling for ( ) '' When asked who they are 'ACT about the school '' leading XXXX to believe it is ACT collegiate testing calling. 
No disclosure of debt collection, just asks for a payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: For the past several months, I have been disputing several inaccuracies that are listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX I was never late I send XXXX several letter about the issues no answer

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Application, originator, mortgage broker

Complaint: I submitted application for loan with USAA bank. I provided all documents required. 

I received a verbal notice stating the loan was denied because I received a raise in pay. I stating that is logical -- I can afford the home and so I applied for the loan.. I have never heard of denying a loan because of my income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: 1. WELLS FARGO - OPEN NUMEROUS ( XXXX ) CHECKING AND SAVING IN MY NAME AND BUSINESS - AND REPORTED THEM TO XXXX AND XXXX. WHICH CAUSED MY CREDIT TO BE AFFECTED AND A XXXX CARD SHUT DOWN. 
2. XXXX- THEY FLAT OUT CALLED ME A LIAR AND HIDE XXXX ACCOUNTS ( DELETED ) - IN MY NAME AND BUSINESS BECAUSE I HAD OVER XXXX IN CHARGES ON MY DEBIT CARDS AND they were n't even activated. ALSO THEY HAVE MY NAME AND BUSINESS STATING I MADE A DEPOSIT FRAUDLY NO THEY HAVE SMEARED MY NAME AND AS A VET IN THE XXXX.. 

3. XXXX - TRY TO CALL THEM SO MANY TIMES HTAT ALL IU DO IS TALK TO PEOPLE OVERSEAS THEN I CALLED BACK NUMBERS FROM XXXX AND MICHIGAN TO FIND OUT WHAT THE ISSUE IS AND THEY HANG UP. CALL THEM THEY ALL WERE DISPUUTED AND BY LAW THEY A SUPPOSED VALIDATE OR REMOVE - THEY HAVE NOT DONE ONE THING EXCEPT I WAS TOLD I HAVE TO GO TO A BANK AND GET A SC AN COPY NO NO NO NO YOU COME HERE HERE YOU WANT TO SMEAR MY NAME WHY NO VALIDATE ANYONE CAN SEND A SCAN XXXX SEND S SOME SIGNATURE CARD ITS NOT ME. 

THESE PUNKS HIDE IN A XXXX IN XXXX AND MY XCOUNTRY THAT I SACRIFICED MY LIFE ALLOWS IT. THEY ASAP REMOVE BLOCK NOW BY LAW

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 02/19/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Requested that Equifax provide proof of how they verified the following accounts for accuracy : 1. XXXX.-Account # XXXX ... 
2.XXXXAccount # : XXXX ... 
Please provide the proof that has been requested several times and never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After a recent review of my credit report I noticed that there are  inquiries ( aut omobile dealers ) that I did not authorize. I contacted  XXXX ,   XXXX   and Equifax of this issue on m ore than one occasio n and to date still no resolution. I am aware that inquiries are to tell if you qualify for an account and I have no current account regarding an automobile with none other than  XXXX   XXXX  and  XXXX . As a consumer I am disappointed in the fact that this could not be resolved directly and I was left to file this formal complaint. Please remove all automobile inquiries exce pt the two m entioned prior.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Trouble during payment process

Complaint: Despite applying overpayments to my principal for the last 18 months XXXX XXXX has refused to do so without any prior notification. In response XXXX stated in writing that I could have the funds returned to me however when I called customer service on XX/XX/2017 as per the instructions they have refused to return my money

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt was left by my ex husband. He had access to all my info and left all kinds of debts 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 10/23/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Confusing or missing disclosures

Complaint: XX/XX/17 money transfer into my paypal account. Today is XX/XX/17 and I still have been unable to have paypal transfer the money from my paypal account into my bank account. I 've been on the phone with paypal all morning, I 've driven to my bank twice at the suggestion of paypal representatives. 
In short, PayPal money transfer system and web interface is overly complicated, confusing, deceptive, vague, and dishonest. 

This was a {$4300.00} money transfer that should have taken 30 minutes and is now over 10 days and waiting. 

After calling their consumer services hotline, I received vague and conflicting explanations for the delay. They seemed to give me only enough information to clear the roadblock directly in front of me and willing to let me stumble into the next hurdle they could clearly see. 

10 days and waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My name is XXXX XXXX. I use Citi credit card. In XXXX, XXXX, XXXX, all my statements are correct. In XXXX XXXX, the Statement said I have re-owned the company {$380.00}. I have called the credit card company, and they said they have re-sent that amount of money twice. I said I only got the money which should belong to my CitiBank debit card, which is {$380.00}. The Citi credit card company said I should go to the CitiBank directly to check it out. I have gone to CitiBank for three times, and they said the money which I used to pay the credit card is not responsible to the CitiBank, and they said I should talk to the credit card company instead. The Citi credit card company said it is not their responsibility even if I have called them for 7-8 times. 
Right now I am confused, and nothing I could do but ask the FDIC to see whether you could help me.

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have noticed in the past that there were ( 2 ) small student loans ( dated Open : XX/XX/2011 ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any 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 explanation
Consumer complaint received 12-02-2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Billing statement

Complaint: I have repeatedly asked for a bill which they send rarely. So a rep calls and tells me my payment is XXXX. I pay XXXX for 2 months but still get charged a XXXX late fee both months. I call and another rep says my bill was XXXX a moth so i was charged a late fee for the XXXX. I explained what he told me. She said sorry. Again, no bill for the 3rd month but a late fee. I asked if it was n't my fault and because their rep gave me the wrong info and they wo n't send me a bill, thats XXXX in 3 months. They have even locked my card over a XXXX payment having me go the bank to show my ID. My credit limit was XXXX and my bill was only like XXXX. But because I had n't used my card in a while. Its always some kind of fee. So how many people are they charging late fees to without sending you a bill!

Company response to consumer: Closed with explanation