milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have been a Bank of America customer since 2009, with just one checking account to my name. 
I recently noticed two fees in the amount of {$12.00} each for the months of XXXX and XXXX. I contacted Bank of America to inquire about the fees, and they claim that they changed their policy to charge a maintenance fee to " be fair to all customers ''. The bank claims that I received the notice of the policy change, but going back to check electronic statements on Bank of America 's own website, I see that they did not, in fact, send me any such notice.

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 01/17/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my request to investigate and remove XXXX account from my credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Cavalry Portfolio Service, amount  is $XXXX. I have disputed this account and I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: APR or interest rate

Complaint: My American Express XXXX Business credit card payment date is on the XXXX of each month. In XXXX, I paid on the XXXX - 2 days late - and Amex increased my interest rate to more than 25 % without any prior notice. It 's my understanding that credit card companies can not increase the interest rate unless the payment is more than 60 days late. Amex claims they increased it because I previously paid 2 days late, but the previous late payment was 7 months ago, and a result of misinformation I received from an Amex agent stating that I could change the account from which my previous automatic payments were being withdrawn from in time to have the payment post that was due XXXX. The increased payment of more than double my former interest rate is causing financial hardship and seems to go against the XXXX XXXX of 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Consumer Loan (Vehicle loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Taking out the loan or lease

Complaint: I paid off my car loan XXXX 2015. Istill do have not received a clear titleafter numerous contact with loan co. 
have been paying full coverage $ XXXXper month. can get liability for $ XXXXfor 6 months The payoff wasinstructed to send to XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I was taken off of scra military benefits. Automatic payment schedule got messed up ... I never got call back. I keep getting forwarded to same non responsive person. Email or sent hidden. I finally got a hold of someone when they thought I could refinance..to see how to catch up on my payments. Paid XXXX. Through XXXX XXXX. But phone message says I only paid XXXX and I owe for XXXX. Yet it also said the last payment was XXXX XXXX. XXXX different messages non of them rt. Everytime it forwards to same voice mail. Even when I try to get forgot password or sign up for new online it routes me to same non responsive person. NATIONSTAR Morgage. Took over my account from XXXX XXXX XXXX I had since 1998. But since being with nation star they did not honor paper work XXXX XXXX showed me they sent..finally got rt interest applied but not sure retroactive was applied. Then they took me off of scra again for no reason. Husband sent documentation but still struggled with what was going on with account. They sent someone to my house where the Tennent lives saying it is important they contact me about morgage. People comming and taking pictures. Then recently mailed a package to house were my Tenet lives that is under morgage even thou they know where I live in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit card () with U.S. BANCORP (WI).
Issue: Billing statement

Complaint: My husband received a call from an XXXX number while we were traveling on vacation. I answered the call and no one was on the other end so I hung up. When I called back, they identied themselves as " member services '' and not a credit card company. Eventually, I came to an understanding that they were credit card company and they said my husband have a past due balance. We never received an initial statement or any subsequent statements. My husband told them that they could talk to me because he was driving. I had hoped that we could resolve the issue on the phone but apparently not. 

I do n't understand why they identify themselves as " member services '' and not a credit card company. If they would identify themselves correctly, people may think they are something besides a telemarketer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Hello, My name is   XXXX   XXXX   and I applied for an American Express Gold Delta credit card on   XXXX    XXXX  2017. I signed up under a 40,000 welcome miles offer including a {$50.00} statement credit after on e Delta Purchase.  The terms of the offer stipulated that I make {$1000.00} of purchases in the first 3 months to receive the 40k miles. I also needed to make a Delta purchase within the first 3 months of any amount to receive the {$50.00} statement credit. I applied for the card in  XXXX  knowing that in  XXXX  I wanted to take a trip to DC with my husband while he was there on a work trip. I met the minimum spend requirement on  XX/XX/XXXX . This was well within the first three months of being approved of the card. The terms and conditions of the card and offer state that the bonus miles would be posted within 6-8 weeks. It is now  XX/XX/XXXX  more than 8 weeks after meeting the spend requirement. I have reached out to American Express numerous times with no concrete answers. I am told that there is a ticket that was opened  XX/XX/XXXX  in the back office for investigation ; however, I get no expected date of resolution and I get no recourse on how to book my trip. On top of that I also made a Delta purchase that posted on  XX/XX/XXXX and I did not receive my {$50.00} statement credit. I really just want to get the miles and statement credit that were agreed to by both myself and American Express when I signed up for the card and American Express issued me the card. The customer service provided in the online chat feature and through the customer service number have provided no useful information on resolution steps or timeframe for resolution. Please help.
<P/>
V/r,   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I receive recorded computer calls twice per day, every day. I know about the debt and have called them to please back off. This is harassment plain & simple.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX was reinserted on my Experian account as a newly opened collection account. There are four different discrepancies that I would like to address related to this account. 1. If any information has been deleted from a consumers file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. The initial collection resided with XXXX XXXX and was deleted from my XXXX credit report approximately on XX/XX/XXXX. I did not receive any type of notification that this account would reappear on my account as a new collection. This is a Fair Credit Reporting Act violation. 2. The balance due is incorrect. 3. The date of service is incorrect. 4. This account reflects an open date of XX/XX/XXXX. This is NOT a new account and was originally placed on my credit report on XX/XX/XXXX with an expected date of removal in XX/XX/XXXX. A collection agency, no matter when an account is received can not re-age an account. They have added XXXX XXXX years to the allowable allotted time that this account should be reflected on my credit report. Again, this is a Fair Credit Reporting Act violation and illegal!

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: A request was forwarded to Experian regarding multiple accounts requesting them to provide verifiable proof of the negative events they are showing on my credit report, and to date, I have yet to receive any information to confirm that the information they are reporting is accurate or correct, needless to say, they continue to report INCOMPLETE accounts. I have contacted Experian 's office on XXXX XXXX, 2017 and spoke with XXXX ( in the Disputes Department Team Paragon ) the  United States and advised of this and he placed me on hold and did a conference call with one of the creditor 's in question. I asked XXXX if they did this upon my initial request, why in fact are we doing this again. According to him, they did n't do this before, they only sent an automated request and awaited the company 's reply. I advised him that this is not a reasonable investigation according to the FCRA and them continuing to report incomplete account information is complete violation of the FCRA. According to XXXX, the companies are allowed to report whatever they want to report and Experian ca n't do anything about it. I reminded him that this is willful and malicious violation of the FCRA and self admittance that they are n't in compliance and are not able to verify anything that the companies are reporting. He stated there is nothing that can be done. <P/>We finally were connected to XXXX at XXXX XXXX XXXX XXXX, which was one of the accounts in question. I asked if XXXX if they received a credit dispute from Experian and he confirmed the dispute came over on XXXX XXXX, 2017. Per XXXX at XXXX XXXX, he stated that the request came over that the needed to verify name, address and DOB. I advised him that this was not the nature of the dispute sent over to them. I asked XXXX at Experian to refer to my letter sent over and he did and he stated they disputed the account as " NOT MY ACCOUNT ''. I advised him that nowhere in the letter does it state that and hence the reason for the account still reporting incompletely. Per the information on the updated credit report, it reflects that the account was " updated '', HOWEVER, there is no new, updated or changed information on the report. <P/>We were able to contact the Office of the President of XXXX XXXX XXXX XXXX  and spoke with XXXX ID Code : XXXX who confirmed the information came over as they needed to confirm the account holder 's name, address and personal information. ,

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 06-08-2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (UT).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I have been trying to get a short sale approval since XXXX of 2014 for a home we rented out but due to the disrepair the tenants left it in we could not afford to fix it nor could we continue to pay on it as we had another home we were living in and had a child born in XXXX of 2014 in which my wife quit working to take care of. We contacted our mortgage company about it and they sent us paperwork and we had to resubmit it numerous times due to them claiming they did n't receive it or not giving us the proper forms and having to submit more. It took them 5 months to finally approve the process to begin a short sale. However, when we found a buyer, the mortgage company would not contact us to let us know the situation on it and when I or my realtor contacted them they would tell us different things. The buyer backed out of the sale due to the lack of progress from the mortgage company and my realtor took the house off the market until we could find out what was going on with the mortgage company. At that time, the house had been on the market for at least 4 months. A week after that, the mortgage company finally had us sign an Approval to Participate and said that we had to have the house on the market for another 4 months. My realtor found another buyer for the home but now the buyer is looking to back out due to the mortgage company once again not responding to my realtor or myself. Also, the mortgage company keeps refusing to accept documentation from my realtor that would allow the short sale to be approved. I have received several letters informing me that I have a single point of contact but whenever I call they are unavailable and I am told anyone can help me with the situation. I called again today and now am being told only the underwriter can help me but he is also unavailable. Through this whole process, we have gotten behind on our other home and we can not get any loan modification from them until we resolve the issue with the first home which due to the lack of progress, we are concerned we will lose the home we are currently living in and trying to raise our family in.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I sent a SEPA transfer to Coinbase on XX/XX/XXXX. My bank says it 's in their account. I responded to Coinbase questions on XX/XX/XXXX about my processes, and determined my processes were sound, which leads me to believe something criminal is occurring. 

1. The ID Verification is completed, as I sent a SEPA transfer once before, onXX/XX/XXXX, 2.  SEPA is therefore added as my Payment Method 3. The names match across accounts 4.  The currency I sent money in was XXXX 5. In sending the money, the XXXX, XXXX, and references number were included. The Ref No : is XXXX My bank said the money was out of my account Thursday XX/XX/XXXX. 

My case number # XXXX Please find attached details of the bank, which I used two days prior to wire money.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax fail to delete a negative account older than 7 years. Equifax own conclusion determines that a account can only be on file for 7 years which contradicts it self. Moreover, the account has been sold and the statement from equifax determines the account is been verify but has been sold according to the original source.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: Dear XXXX XXXX Transunion XXXX, I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX  emergency service reported service of XXXX XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has  already been given with no response from XXXX and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX

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 03/25/2017 about Mortgage (Conventional fixed mortgage) with Alabama Housing Finance Authority (NC).
Issue: Loan servicing, payments, escrow account

Complaint: A company called servi solutions contacted me via mail and claimed my loan had been transferred to them. I then received a bill from my original lender and this new lender raising my concern. I called both companies. My original lender had no record of it being sold and warned me not to send anyone else money unless I received a letter from my current company stating they transferred my loan. I called servi solutions and a woman told me dates it was bought and transferred and seemingly sounded very trustworthy. I called my dad for advice, he said it could be a scam, and looked up servi solutions on bbb and they had an F rating. I decided not to servi solutions money because it seems like a scam. I 'm worried they will start harassing me for payments and something bad could happen. The next payment is due in XXXX 2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I am still in bankruptcy and they are harassing me saying I have not paid when I have been paying and so has my Trustee. They have money of mine and have not applied it to the loan. No one can tell me who my mortgage company is I think it is XXXX XXXX but Select Portfolio Servicing says that they can not tell me. They are scammers and I am XXXX years old and an Veteran I served my county and I do not deserve to be treated this way/Thank youXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Money transfer, virtual currency, or money service (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Other transaction problem

Complaint: On  XXXX / XXXX /2017 I did a wire transfer of   XXXX    XXXX  from my account at Bank of America, to my family account in   XXXX   at   XXXX   XXXX   XXXX  . Attached wire transfer confirmation.
The money never reached the destination account.
Attached recipient 's account statements for  XXXX /  XXXX   and  XXXX  2017.
When I asked Bank of America about this issue, they told me the money was sent to an intermediate bank in  XXXX  (   XXXX   XXXX   ) and they do n't know what happens after that.
I 'd like to have someone investigate/solve this issue.
Thank you.

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 06/17/2016 about Debt collection (Auto) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I bought the car and then I sold the car. The car is not mines anymore. I sold it back in 2014 to a junk yard.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (OK).
Issue: Taking out the loan or lease

Complaint: I contacted the CREDITOR requesting my original promissory note to validate the loan collection. I have received a copy of the promissory note from them which is counterfeit and does not prove they are the holder in due course and does n't bind me into paying them a dime. I requested that if they can not provide this validation of debt to take their marks off of my credit report to all XXXX credit agencies also to give me the title to my vehicle. They are still sending me letters requesting that I pay them for a loan that is not even validated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation