milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: APR or interest rate

Complaint: Bank of America has a practice with their credit cards and balance transfers that is highly deceptive and borders on fraud. 

I transferred a balance from a non-BOA card to a BOA MasterCard. The balance transfer offer from BOA was for 0 % interest through XXXX, 2017, with an up-front 4 % balance transfer fee. However, I just learned that their policy is to apply your entire minimum monthly payments, 100 % of those payments, to the balance with the lowest APR, which will naturally be the transfer balance. This effectively eliminates any value from the transfer, while they charge 4 % for the privilege. A consumer 's entire monthly minimum payments go first to pay down a 0 % balance transfer balance offer that he just executed. There really is no guaranteed 1-year, 0 % interest transfer period, as they represent in their promotions. 

As an example, you can transfer {$1000.00} to a BOA card with a 1-year 0 % interest offer ( good until XX/XX/2017 ). If your monthly payment is {$300.00}, the balance subject to this 0 %, 1 year promotional offer is actually paid off in 4 months, while your other balances continue to earn 13+ % for BOA. In effect, all of you monthly payment goes to pay down the 0 % balance transfer balance while your balances subject to interest are not paid down at all! So there 's really no value to the balance transfer and BOA charges a 4 % fee for this privilege! In reality, the consumer is probably losing money on the balance transfer - from the initial 4 % fee, from the deceptive 1-year " value '' of the 0 % offer, and from the fact that if the consumer transfers a balance, that 0 % balance is paid off first with all of their monthly payment, while other interest carrying balances get no allocation and earn BOA even more money! 

I know that I can walk with my money, but this borders on outright fraud. At a minimum it is a highly deceptive consumer business practice. Most consumers would not even check their statement, assuming that the balance they just transferred would remain at 0 % until the one year offer period expired. That 's where the deception and fraud in advertising arises. They also rightly assume that their monthly payments would be going to pay down balances subject to regular interest rates, at least in some proportion. But that 's definitely not the case. 

It 's like making you pay for an ice cream, which looks really good and worth the small charge. Then they just eat it all themselves in a few big bites! 

Thank you for your attention to this matter. The consumer really needs protection from this fraud.

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 01/18/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased a home last year. XXXX XXXX originally was our mortgage holder but Wells Fargo purchased our loan. We were told that we could eliminate PMI once XXXX % LTV was reached. We did improvements and added heated/cooled space in the basement and then XX/XX/XXXX contacted Wells Fargo about re appraisal to remove the PMI. Wells Fargo informed us that the stipulations for removal were changed and we now had to have XXXX % LTV and market increase would not effect value.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Auto) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent Toyota Motor Credit a letter via certified mail on XXXX XXXX, 2016. I have the only response that I received was further derogatory reporting on my Credit Report. I never got any for of response to my letter, which is attached and the exact same letter was sent again on XXXX XXXX, 2016. Twice I 've sent this letter! 

I 'm prepared to file a lawsuit for violations under RFDCPA and Title 15 Section 1666 of the US code.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Debt collection (Credit card) with DISCOVER BANK (NH).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: CFPB Case # XXXXAddtl information : Herein is a copy of a reply from the same Executive Office after I wrote to the CEO of Discover ; XXXX XXXX detailing what was done to me by Discover and its agents and requesting to waive receipt, dated XXXX XXXX, 2015 signed by a XXXX XXXX of the same " Executive Office of Customer Advocacy ''.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Debt collection (I do not know) with Aargon Agency, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/2017, I sent a certified letters to Aargon Collection Agency, asking them for debt validation of the accounts as I never received any bills prior to the debt hitting my credit report, in the sum of {$490.00}. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. It's been more than thirty days and I haven't received any written validation of the debt.

Under the FDCPA Section 1692g, if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this sub chapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled the sensitive information of 143 million Americans. Then, they failed to inform the public until a month after it had happened. They have only offered us 1 year of free credit monitoring, which also waives our right to take legal action against them. 

Companies that handle sensitive information like this should be held to a higher standard and disciplined accordingly when things like this occur.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I sent a letter and among other issues asked that inaccurate late pay information be removed from the payment history on a mortgage I had with XXXX # XXXX. They deleted the ENTIRE trade line instead!!

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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I filed a dispute with XXXX about account number XXXX reported by the XXXX XXXX XXXX XXXX.in a amount of {$880.00}. I told XXXX that I dont owe any money to the company reporting this Item and I want this to be out of my credit report because it is negatively impacting my score and my credit. I attached all the proof that I do n't owe any money to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: While travelling to XXXX on business. Me and a coworker went out on our last night to see some of XXXX. XX/XX/XXXX. The last place we went late night was a XXXX bar called the " XXXX XXXX XXXX ''. We were there between 1 and 1-1/2 hours. I bought drinks for myself and 3 others  because I had the only card which was working in XXXX. We were running late and in a hurry when I asked for my bill. I asked her to just tell me in US dollars please. She told me around {$180.00} dollars. She ran my card and told me it declined. I gave her another card which is my person small business card. She then gave it back but said that actually my original card went through after all. It was loud and dark and somewhat confusing but we ran out of there to catch the train to our train. I didn't think of it until my card showed a charge of {$2200.00} when it posted XX/XX/XXXX. I tried to have a XXXX counterpart contact this establishment. They could not. I can not find it online. It was obviously a scam I fell into, I contacted Chase and talked to many people. They say its too late because it already processed. They say because I handed them my card and authorized a charge and should have had time to review it, that I authorized it. 
Although there are some fuzzy details, There are some that are not. I did not authorize that charge or anything near that charge. I did not ask for any goods or services which would have been such a charge. I was making a conscious decision to drink at a level that would not hinder my ability to remain safe in a foreign country. I only purchased normal alcohol consumption for 4 persons. At the time I believed the {$180.00} was excessive but let it slide in light of having a good time in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX/XXXX/17, I attempted to verify the status of a security freeze I have with TransUnion. I made 3 attempts to reach the Fraud Department, after the main customer service line told me I had to inquire through them. There is no option to check the status of an existing freeze without speaking with an agent. Each time I entered my case file number, I was either transferred to a line with a busy signal, or put on hold for about 5 minutes, then told by a recording to call back again later. 

I just want CFPB to know that TransUnion does not seem to have the capacity to be dealing with customers effectively who call on the phone. It was especially unnerving not to be able to get through to an agent in the Fraud department.
Subsequently, I have been able to go to freeze.transunion.com and find my freeze status there. This is a different website than I was given at the time I instituted the freeze. The other website still comes up, transunion.com/XXXX, but even after logging in, that website tells you it ca n't complete any action you try because of increased activity due to the XXXX hack.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Mortgage debt) with Rent Recovery Solutions (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a notification today that a collection was added to my credit report in the amount of {$920.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports/ also I paid the reletting fee to move from the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Federal student loan) with United Student Aid (USA) Funds (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from XXXX attempting to collect a debt. I replied with a letter on XXXX XXXX with USPS tracking # XXXX XXXX XXXX XXXX XXXX. Their response on XXXX XXXX, 2016 was that they provided me with the documents that validates the account. How can a Statement of Purchased Account print out sheet be a validation of account. So I filed a complaint with the bbb regarding this matter. I also stated in that complaint that I wanted XXXX to provide me authentic document, contract, loan, or XXXX note that states I have agreed to any terms or conditions or that I have done any business with. Their second response was " Concerns were raised that XXXX did not provide a promissory note to a request for validation. Please accept our apologies for the inconvenience experienced in respect to our collection activity. Upon thorough review, we identified that a request for a promissory note was submitted to our client, United Student Aid Funds, XXXX Will forward the request validation to the address on file. '' This company should n't have a problem providing that information upon request it is the LAW. It also raises suspicions about their involvement and their hesitation to do so. I will not pay XXXX just because he says so.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (I do not know) with U.S. BANCORP (KS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted by garrettson financial services and was informed that i was being sued by u.s. bank for overdraft fees from 5 years prior. This call was the first time i have heard anything about overdraft fees or a lawsuit. XXXX XXXX demands i pay the settlement with a down payment that is due within 24 hours or i will have my assets seized and my wages and taxes garnished for 10 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I submitted a complaint against Convergent Outsourcing Inc in XX/XX/2015 ( case : XXXX and XXXX ), which was resolved. Now I 've received another attempt to collect on a debt I know nothing about. I am going to send them a letter to dispute their claim and request validation of the debt they 're claiming I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Trading functionality has been " temporarily suspended '' on my XXXX account since XXXX XXXX 2017, this means my money is stuck in the exchange and there 's nothing I can do to solve this issue. 
Customer support is not writing back since XX/XX/XXXX. 
How can I get my money back? 

Coinbase/XXXX case ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: About XX/XX/XXXX I contacted Bank of America, after I had received a 0 % Consolidation Loan offer. I told customer service person that I did not want the loan if I could not get all of my credit cards consolidated. I also told them I did not want another credit card. I called twice and told them that I had not received an answer to the consolidation and if the could not do it cancel my request because I did not want another credit card debt. The service person said ok. 

On XXXX XXXX 2018 I called XXXX XXXX customer service and put in a complaint with XXXX ( XXXX ). She would not give me a ID # -said she could only give out first name. I told her that I had received a credit card from Bank of America without my permission, that I only wanted a consolidation loan if they could pay off all credit card dedt, Bank of America had force me into financial hardship/abuse, Do not want their credit card, and feel that the advertising I received from them was fault and deceeding.

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 02/28/2017 about Student loan (Federal student loan servicing) with Riverwalk Financial CORPORATION (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: On or around the 1st week of XX/XX/XXXX I called XXXX to see if I qualified for the Obama student loan forgiveness program they had advertised about. I was advised they were with the Dept of Education and that I did qualify for the Obama student loan forgiveness program. I was informed I would have to do 5 pymts of {$99.00} then my loan would be forgiven through the Obama student loan forgiveness program. I then made arrangements for the 1st pymt of {$99.00} to be made on XX/XX/XXXX. I received a letter from XXXX XXXX advising that they would be handling my student loans and that my pymts would be XXXX dollars based upon my income. on XX/XX/XXXX I called XXXX because I wanted the last 2 pymts to be processed on XX/XX/XXXX which was the next scheduled pymt date. I spoke with a lady who advised me that they never take ymts or set up any type of pymt plans that they were a student loan advisory company I explained to her this was number I had called and they took my info and set up this plan so that I would be in the Obama student loan forgiveness program and that they had already taken 3 pymts of the 5 she hung up on me. I then called XXXX XXXX and I was informed there is no Obama student loan forgiveness program and that I had been set up on a plan that is income based driven. And that it was fraud that they never heard of RIVERWALK. The representative advised me to do a fraud claim with them which I did why I was on the phone. He also advised me to stop pymts and not to pay anything else to RIVERWALK because it was a scam. I went to my bank and did just that. My bank tried calling the number on my bank statement to inquire about the drafts and where the money went XXXX at my bank was hung upon as well after being told that they had no clue as to what she was talking about on my bank statement it shows as XXXX RIVERWALK XXXX TX XXXX RIVERWALK XXXX. Yet they knew nothing and said they had no clue to what was going on and hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I was having trouble making payments, Navient pushed me into forbearance before giving me options to lower my payment. Later, when I was able to lower my payment, they failed to inform me that I needed to renew the program and my payment was raised again.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: in 2008 I applied for and received a loan modification from Wellsfargo bank. It was in XX/XX/XXXX that my new payment would begin. I phoned Wellsfargo to ask if they could put the first two payments off due to the fact that I was preparing to take my son on college tours. the representative said that they could not guarantee two months but she saw in my account that a payment had been posted to my account and to call back the following month to see if I could get the second month that I was requesting. In the middle of the month I started to receive ca calls telling me that I was late with my mortgage. I explained that I was not late but that I was told I did not have to pay due fact that funds had been applied to my account. the repress informed me that the money had been applied to my account inadvertently but was taken out later that day. No one informed me me of this. The investigation team did an investigation and found that money had been applied and take out but they failed to notify me. Then they asked me to resubmit another modification application, I did and that is when the put my hom in quicksale ( which was also a mistake ) I am still in my home but they have harassed me for 8 years because I refused to pay XXXX mortgages when it was their fault. they acknowledged tha that it was their error but stated that I still was responsible. 
these people have harassed me all day every day for the past XXXX years. it has been recent that I was able to make a payment on that past due payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Rewards

Complaint: I signed up for the American Express XXXX card with a bonus of XXXX membership rewards points after meeting the minimum spend. I met the minimum spend and was given the XXXX points. Three months later Amex took the points back. When I called I was told it was due to " returned products. '' There were never any returned products. The CSR agreed with me and told me they would open a case and I would hear back within XXXX5 business days. I never heard back.

Company response to consumer: Closed with explanation