milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (IL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I applied for an BBVA Compass checking account via a bonus promotion on XX/XX/XXXX. The promotion terms were as follows : 1. You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus. 
2. Account must be opened within XX/XX/XXXX through XX/XX/XXXX 3. Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

4. The account must be opened at a branch, online or via XXXX, Option 2. 
5. After the requirements have been met you should receive the promotion within 60 days. I opened my account on XX/XX/XXXX and had an employer direct deposit of {$300.00} on XX/XX/XXXX. After meeting the requirements on XX/XX/XXXX, {$200.00} was suppose to be deposited into my account within 60 days. During this waiting period, I contacted BBVA Customer Service several times to confirm when the bonus would be deposited. I sent 5 secured messages because neither one was being responded to. I finally received a response 8 days later. The bank responded to me via secured message and confirmed that I met the terms and requirements of the promotion but they did not post the {$200.00} bonus. As it is now over 60 days, I have resorted to filing this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/16/2017 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (NY).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: This issue is against BMW Financial. My daughter has moved out and she does not need the car so I requested a lease end option as I am already struggling with finances. My husband took early retirement due to XXXX XXXX so he lives in meager XXXX XXXXunds. I called BMW and explained the situation so they offered to buy the car and BMW sent an inspector who sent in the results and BMW informed us by phone that the car will sell for more so we only owe the disposition fee of {$350.00}. When they sent the offer letter they sent it to an account other than mine but to my daughter 's email. It should have gone through MYBMW secure center. They never sent any letter regarding the offer to my email address which is on the file as the main account holder email. As a result, I received the letter late from my daughter. She assumed I had the letter too as the loan is under my name. BMW changes its statements every day. They either tell my daughter, is authorized and another day, they tell her she is not authorized. I have added her 5 times. They use her whenever it is convenient.This time, they did not send me the offer letter to my email or my secure BMW account and because of that confusion, the offer expired. when I called them to resent it, they came back with an offer to pay off with that {$7000.00} payment. They told me the other offer expired. I told them that I never received the letter. They refuse to go back and honor the same offer as I never received the letter on time. They told me to always write through my BMW secure center, yet they do not practice that rule. They are sending emails all over. They told me that my daughter asked to send the email there but I told them you should still send it to me as we are never sure if she is on or not. When you call to confirm, they use my email as the email confirmation yet they break their own rule to send an offer letter to her and to the main account holder. For the last 8 month, every day, it is a different issue. They never write back. Today I talked to a supervisor and complained that why do n't BMW use MY BMW secure center as all lending organizations so today she listened to me and just she sent me another letter. Now she is telling me to pay the whole residual of {$42000.00}. All calls we make are recorded an on the account so you will understand my struggle. They never write but say things over the phone. They can erase records to control themselves.Is there any solace for the customer. My dispute is-I want the same offer letter to be sent to me via the correct email account which is mine. They confirmed my email account many times and yet decide to use my daughters for the offer letter. 
Is n't this unfair, deceptive practices?? 
Thank you XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have previously disputed an account with diversified consultant and it has been removed and put back on with no notice. This account they have isnt even in my correct last name. I called and spoke with XXXX on XXXX/XXXX/16 at XXXX who confirmed there was different tel # s associated with this account but could not be removed. This has dropped my credit score in the midst of me trying to build it. Because of this collection I was denied to continue with a credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I have foreclosure sale date of XXXX/XXXX/15 and submitted previous documentation in case # XXXX. On Wednesday XXXX XXXX, 2015 at XXXX in the afternoon I received a call from XXXX ( or XXXX ) from Wells Fargo in the " Customer Care and Recovery Group ''. She stated that she had received my inquiry for a request for a Home Modification.She then verified my loan number contact info and asked me to verify my request which I did. I told her and she confirmed that the present foreclosure date was XXXX/XXXX/15. She then stated that it would take a day or XXXX maybe for the post phonement date. She also stated that I would have a new primary point of contact to process my request and that would take a day or XXXX to complete. I asked before the call ended did we have time and she said yes we have '' plenty of time '' between now and Monday. I then thanked her for her call.She gave me her contact information, At no time during our conversation did she indicate a problem or an approval from the foreclosure department about the sale date. To the best f my knowledge at that time she did not mention the CFPB complaint that I filed. I had also sent a request to XXXX XXXX, PA whom Wells Fargo had designated asa point of contact. 
A few minutes later I received a call from XXXX from XXXX with whom I had filled out a hardship application. He stated that Wells Fargo was the hardest lender to work with and that in his opinion form the documentation that I submitted that we had a good chance to qualify for a modification. I told him that Wells Fargo had just called and that the sale date was to be post phoned. I thanked him for his time. 
On Friday XXXX XXXX at XXXX I called her since I had no heard anything to check the status. She then gave new primary contact contact was to be XXXX XXXX who would contact me. At this time she indicated that she was responding to my CFPB complaint. XXXX t.hen called me at XXXX in the afternoon on XXXX XXXX He informed that Wells Fargo would not post phone the sale date and they would respond to my complaint. I was in complete shock when he said this. He had me if I had any questions and I told him that I was mislead by yprevious conversations. 

The Wells Fargo employees were professional and polite. HOWEVER I WAS MISINFORMED by XXXX and she did not explain. THe consequences of this is that I lost XXXX hours of critical timing and the opportunity to work with a XXXX party. No consumer should have to endure what I just went thru. Their needs to be some type of protection to prevent this.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Over three years ago my neighbor walked away from her house. The house has been empty and the utilities have been shut off for this whole time. The home is deteriorating and in need of repair. The lawn maintenance has not been completed regularly and our city left a notice on the front door regarding the un-mowed lawn. I tried to contact the mortgage company and have been unsuccessful. I 've contacted the companies that have been managing the property and they do not respond to my complaints. We live in an HOA managed subdivision and we are required to maintain our homes to a high standard.

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 12/14/2016 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Problems when you are unable to pay

Complaint: Navy Federal Credit Union knowing there was a class action suit againsr them which i remember applying but cant find my paperwork.Garnish my wages at the time i was unrmployed and had XXXX dollars in the bank.I was getting unemployment and social sercurity it is the only money i had.The bank XXXX Bank allowed them and charged me bank fees for garnishment and return check fees. I was not informed. In advance the XXXX XXXX XXXX navy federal refused to take my calls. I had to go to court and pay to file papers to get the garnishment off my account. My orignal balance for a credit card was XXXX now it is at XXXX dollars.I have been unemployed since XX/XX/2016 the law firm of XXXX XXXX XXXX PA XXXX Fl has call me every month asking for payment. I had to close my account at regions because i am afraid they will take my social security benefits my unemployment has stop after XXXX weeks. I am concern now with the information i am working. they will take my money again. I have not been able to pay my mortgage and my utilities bills on time .I lost my car and life insurance because i am not able to pay the installments.I know there is a class action suit against them and they know it but continue to harress me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I received a credit card associated with promotional rate ( no interest ) if paid off within 18 months. I made payments that were substantially more than the minimum payment. No credit was applied to the minimum payment for the next month. The company charged me a late fee when a minimum payment would not be due. They did remove the charge from my account when I called and insisted. During the call the customer agent told me that I had to specify in my payment to pay off the late fee. The late payment was listed on my bill as a promotional fee, but on the customer agent screen she states that it was listed as a late fee. Synchrony is  charging a late fee in spite of a payment made that would cover the minimum payment for the next 3 months. They are cheating unsuspecting customers with a bogus late fee when they should not be charging a late fee due to a previous substantial payment. The late fee should be listed as a late fee. I made a payment on the XX/XX/XXXX of the month and the customer agent told me that my payment was late despite making a payment early on the XX/XX/XXXX of the month before. The scheduled payments are made on the XX/XX/XXXX of the month. They are attempting to charge a late fee even when additional payments are made to the account and a payment falls after the stated due date. I closed this account. I hate credit card companies who nickel and dime customers attempting to pay off these accounts ahead of time. Consumers should be warned about these predatory practices 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 explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Capital One  did n't replying in a timely manner to my initial letter on   XXXX  , or have they to date after 4 certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA  807. False or misleading representations [ 15 USC 1962e ]  As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or  in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am have a pending lawsuit against  XXXX ,  XXXX  &  XXXX  for not investigating nor responding to me as well, and taking no action when  Capital one  did not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a VA mortgage with USAA Federal Savings Bank ( XXXX, XXXX XXXX, IL, XXXX ), loan number XXXX. Effective XXXX/XXXX/2016 the mortgage servicer was changed to XXXX Mortgage XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. On XXXX XXXX, 2016 USAA transferred escrow balance of {$2100.00} to XXXX XXXX. 

The escrow funds provide for homeowner insurance and taxes. The insurer sent XXXX the renewal policy information in XXXX and a reminder on XXXX XXXX, 2016 that included the final due date of XXXX/XXXX/2016 as well as amount due, {$1100.00}. 

XXXX did not pay the bill and the policy was cancelled effective XXXX XXXX, 2016. I live on the XXXX coast of Florida where on XXXX XXXX my city was struck by hurricane XXXX. On XXXX/XXXX/2016 I received notice from my insurance co. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX ) that effective XXXX/XXXX/2016 the policy ( # XXXX ) was cancelled for lack of payment and would help me try to get " replacement coverage ''. 

On XXXX/XXXX/2016 ( I was unable to find anyone open on weekend ) I contacted USAA who would not address the issue and transferred me to XXXX. After 2 hours on the phone and multiple excuses, XXXX promised to overnight a check ( they are unable to do wire transfers? ). Today is XXXX XXXX, 2016 and a check has not been received by XXXX and XXXX claims it was prepared they do not know how is was sent or when. 

Three different XXXX representatives promised to update me and keep me informed, but none did. I still have no insurance and I have been told three different scenarios about whether a claim will be honored due to hurricane existing, whether I have to agree to make no claim, and if XXXX has an unstated grace period. In addition, I was told it could take 3 to 5 business days after the check was received before insurance would be in effect. Probably to let the check clear. 

I am concerned that my insurance record and credit record will show that I had a policy cancelled. 

In addition, USAA is keeping a payment database ( for my mortgage payment data ) that is separate from XXXX and different from XXXX. The USAA database shows that I am in arrears and did not pay XXXX or XXXX payment and could cause bad credit reporting. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To whom this may concern, TransUnion is reporting two addresses on my credit report that are not only non-existant addresses but addresses which I have never lived at. 

Specifically, TransUnion is reporting " XXXX XXXX, CA XXXX '' and " XXXX XXXX, CA XXXX '' as my addresses. Even if I did previously live at these addresses they are formatted in such a way that it would be impossible to apply for a bank account or credit account and have the bank verify the address provided by the consumer with the address provided by the credit check. In effect, this false information locks individuals out of financial services and TransUnion should have never let this clearly false information be maintained on a credit report. 

There is not such thing as XXXX XXXX, CA XXXX '' or " XXXX XXXX, CA XXXX ''. Please see the attached screenshots for more details. I would like TransUnion to immediately remove these prior addresses and apologize.

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 10-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY FINANCE CORP (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They keep harrasing me at work, going XXXX to XXXX times a day, when they see im really busy with my customers. 
They will disclose my personal information in front of my customers and also blow up my phone at work. 
I already told them that i am going through a tough situation, i will pay once i settle down. Right now i have no money and my debt is only like XXXX dollarsThey threatened to call my supervisor from corporate and disclose my personal information with them. 
I have called the cops on them, so they can stop going to my job

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Other mortgage) with M&T BANK CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I entered in a loan modification from XXXX XXXX, with M & T Bank thru XXXX. This agreement stated the total monthly payment as of {$1900.00} ( XXXX, as principal and interest ) + Escrow ( XXXX for Hazard Insurance + Property taxes ). On XXXX/XXXX/XXXX they sent me account Projections and the projected monthly payment escrow would be {$560.00} from XXXX XXXX to XXXX XXXX. On XXXX/XXXX/XXXX they, sent me a new account projections showing that I have {$7200.00} of escrow shortage, thus the monthly payment increase in {$600.00}, it means 30 % increase payment shock. They still are sending mortgage statement requesting payment as of {$30000.00}. Even though, based on the Loan Modification Agreement the amount of {$1300.00} must be applied to Principal + Interest, the monthly statement they sent me did not apply any amount to the princiapal but to an " Unappplied Funds '' something called " Suspense Balance ''. My property taxes are paid in XXXX and the Insurance are disbursed on XXXX. The annual changes of the hazard insurance and property taxes + insurance are increased in less than 1 %, but the escrow amount, according to the mortgagee increased more than 30 %.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Bank account or service (Checking account) with Empowerment Ventures, LLC (FL).
Issue: Deposits and withdrawals

Complaint: Untimely direct deposit. Received pay statement XXXX XXXX. XXXX was XXXX XXXX. Have called many times. No getting answers. Payroll deposit still has not posted. My job has sent a test payment and checked the numbers twice. Falling behind on bills, coming in Dept and other prproblems such as rent and XXXX. Would like to no what legal actions can I take n the state od Florida.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I would like to file a complaint against Equifax for consistently reporting erroneous information regarding my credit report. This agency has continually reported outdated erroneous information and all the while omitted or blundered good information. I have reached out to them several times but they have not challenged the creditors and to boot have adversely reported good information. By the way all other agencies have complied with fair credit reporting policies, that 's why the other agencies have consistently reported my credit score higher than Equifax. 
Creditors in question are XXXX XXXX XXXX, and XXXX CA XXXX. Equifax is reporting the XXXX XXXX XXXX XXXX items as having received the last payment in XXXX, which is incorrect. The last payment XXXX received from me for these XXXX accounts was XXXX XXXX which means that these items should have been removed by XXXX of XXXX. Regarding XXXX CA XXXX, this account is totally out of compliance as of XXXX XXXX as it is beyond the mandated XXXX year maximum reporting period.I have an account with XXXX for XXXX that I am paying on time and miraculously Equifax has omitted its status, but XXXX XXXX XXXX have reported it in good standing. It has been emotionally challenging dealing with Equifax as they repeatedly report erroneous information that I have to use my days off in order to attempt to get them to correct. At this juncture I am appalled by their negligent reporting practices and am seeking your assistance to force them into correcting their credit reporting errors, and to remain compliant in the future. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Auto) with KelKris Associates Inc (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: My father XXXX XXXX bought this car for me several years ago as a gift ( XX/XX/XXXX ). I Never got the repairS finished or the DMV smog. So I gave it back to my father XXXX in XX/XX/XXXX. XXXX then gave it to his nephew, XXXX XXXX, in XX/XX/XXXX and turned in a release of liability with California DMV at that time. Some time later XXXX XXXX, my cousin sold the XXXX to his friend XXXX XXXX. XXXX then surrendered the Toyota to a Junk yard on XXXX XXXX, XXXX. I AM NOT LEGALLY RESPONSIBLE FOR THIS XXXX TOYOTA, VIN # XXXX PLATE # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation