milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Account opening, closing, or management

Complaint: I opened a Bank of America core checking account XXXX 2016 in response to an email offer that provided a bonus of {$100.00} if XXXX direct deposits of at least {$250.00} each were made within 90 days of account opening. It also says that after meeting the requirements " BOA will make every attempt to deposit the bonus within 60 days. '' However, after questioning BOA reps two times now via chat, I 've received conflicting information. Some say there was no chance of the account even being considered for the bonus until 90 days have passed, some can not tell me what bonus my account is coded for, if any. I was even lead to believe by the first representative that I should see the bonus within a week. That has not happened. I understand that I 've met the terms as of XXXX/XXXX/16 ( my XXXX qualifying employer direct deposit ), so I would look for the bonus by XXXX/XXXX/16. No one has provided that date, and instead make it seem like BOA could wait months after. If that was the case, they should have stated so in their offer. I just want the date I will receive the bonus, otherwise, I am sure I would have ended up submitting a complaint after another several weeks of being given the run-around after XXXX/XXXX/16.

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 leased a car from the XXXX XXXX dealership and when my lease was up in XX/XX/XXXX, I was told by the dealership if I leased a new car that day ( XX/XX/XXXX ), they would waive the Wear and Tear fee on the vehicle I was turning in. I went home happy with a new XXXX XXXX lease and an intact credit score.

Months later, I received a letter from XXXX XXXX XXXX ( XXXX ) saying I owe a {$620.00} Wear and Tear fee. I promptly called the dealership ( XXXX ) and was assured they would be paying the fee to XXXX and I would have nothing to worry about and I would never hear from them again. 

Another few months pass ( now it is XXXX XXXX ) and I start receiving multiple calls from the same number and finally answer, it was the Collections Agency calling because the dealership never paid the {$620.00} that they had promised me they would and consequently, XXXX sent me to Collections over it. 

I then go to the XXXX dealership and the manager of the dealership writes a check for {$620.00} and sends it to the Collections Agency ( that they should have done months and months ago ). And everything was " settled ''. However, this caused MY credit score that I have worked so hard on, and I have never missed a payment EVER, to drop 70 points The manager of the dealership wrote a letter for me to send to XXXX stating I was not the responsible party for this payment and it should be removed from my credit report, which I sent to the XXXX Direct Dispute address as certified mail along with a copy of my credit report and a letter explaining the situation on XX/XX/XXXX. I have filed complaints with the 3 credit bureaus as well, but the information on my credit report remains the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Struggling to pay mortgage

Complaint: I submitted information online with Bank of America when I lost my job to see what they could do for my mortgage. They asked for documents from me including my wife 's paystubs and copies of the benefit info for unemployment and food stamps that we are receiving. I submitted this all to them. A month went by with no contact from them and then suddenly I got a letter telling me they needed more info and I was being thrown out of their modification process. After the initial document request I had zero contact from them. 

Now they ; re asking for the exact same documents again to start over that I already submitted once.

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 Checking or savings account (Checking account) with U.S. BANCORP (IL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: On XX/XX/XXXX US BANK I had a balance of XXXX I made a transaction in the amount of XXXX and XXXX reducing my balance to XXXX. On XX/XX/XXXX with a balance of XXXX I was charged a over draft fee of XXXX twice bringing my balance down to XXXX. On XX/XX/XXXX there was a debit charge of XXXX bringing to to a negative balance of XXXX. I called the bank to dispute charges claiming I had a positive balance and the customer service rep told me that my charge of XXXX was pending prior to the XXXX and XXXX. I requested to dispute charges advising even if the XXXX was pending funds where positive and should have covered the XXXX and the XXXX the rep could not explain how all 3 charges was returned and refused to remove or dispute charges while submitting a complaint I also occurred a extended overdraft fee of XXXX bring my balance in fees to 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 11/21/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Texas Office XXXX XXXX XXXX XXXX is reporting, 150 days delinquent on payment. Payment was stopped by the XXXX financial office 6 months ago, due to no required payment from me. XXXX began reporting on my credit report that I am delinquent, latest report XXXX, despite numerous assurances from XXXX staff the credit reporting would stop.

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 03/28/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Deposits and withdrawals

Complaint: I am writing to file a formal complaint and ask for assistance in getting my funds from Suntrust Bank. 

On XXXX XXXX, 2016 I made a {$3100.00} deposit at the XXXX GA branch. I asked the Branch manager when the funds would be available and she said they would be available at mid-night. The next day I went to XXXX XXXX to purchase materials for a job I was working on and the transaction was declined. I went to the bank and the same manager laughed and said " I guess you cant have access until XXXX XXXX '' and walked away. I asked her why and she turned around and said " You can have your money on XXXX XXXX '' and, started laughing. I was very upset and I said " This is XXXX that I cant have access to my own money '' and walked out. 

I called Suntrust and filed a complaint against the branch manager and about 3 hours later I received a call from a security guard for Suntrust that said I was no longer allowed in that bank. I asked him why, and he said she filed a complaint against me. 

The same branch manager tried to have the manager at XXXX ( the bank is inside ) to have me banned from XXXX. She does not know that he is a personal acquaintance of mine and he told me that she said I was trouble and not to let me back in the store. He refused her request. 

I reached out to the District Manager and she informed me that my account was closed and that I would have a check cut and released on XX/XX/XXXX. 
I have not received any type of notice about any holds on my account and I have not received any notice that my account was being closed. 

I called on XX/XX/XXXX, and she now says that I can just sit and wait and there is nothing she is going to do. 

It is now XX/XX/XXXX and the funds are still being held by Suntrust. I have called the company that wrote me the check for my work at XXXX and they said the checks cleared their account on XXXX XXXX. 

The customer service at Suntrust tells me all they can see is the account says " under investigation '' and there is nothing they can do. 

It has been 20 days ( 14 business days ) and, my funds are still being held at Suntrust with no signs of them giving me my money. 

I have sent numerous emails to XXXX and do not even get a courtesy response from them. 

In the mean time, I am past due on my mortgage, truck payment, electric bill, and have limited money to feed my family. I also do not have material money to complete my next job because of the funds being held. 

I am told you are the person that can assist me with the wrong actions I have with Suntrust. 

Please contact me at XXXX if you have any questions Thank you, 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 11/24/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: They auto dial me to call them at least 3 times a day! I have called and tried to get assistance on how to apply for a deferment on payments as I had a baby with health issues and they wont tell me the information unless my account is according to the people i spoke to, extremely in default. I call and talk to someone and that same day I got more than one auto dial call telling me to call about my loan. Today XX/XX/XXXX, I have had 3 auto dials already between XXXX XXXX my time and XXXX XXXX. so 3 calls in under 4 hours. They are trying to get me to go delinquent and be extremely delinquent ON PURPOSE while harassing me and not helping me or answering my questions on how to get help when i call. They have given my grandmother who co signed some impression they are going to be able to come and TAKE HER HOUSE AWAY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Pressler & Pressler sent my job a wage garnishment without me knowing. I was only given 11 days and it's not right. This debt looks like it's from 2012 and they have never contacted me at the address on file to make payment arrangements. For them now to try and garnish my wages for a debt that was never verified or validated is wrong. This should be a violation of the Fair Debt Collection Practices Act and I am not sure why this is allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CT).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, I transferred about XXXX Bitcoin cash ( BCH ) from my another account to XXXX. At XXXX XX/XX/XXXX, Coinbase showed that transfer has been completed from Coinbase to XXXX. However, till now (XX/XX/XXXX ), XXXX has n't show the XXXXBch. 

I have submitted the ticket and the guy just keep telling me they are working on that but there is zero update.. and the attitude was terrible. I lost XXXXBCH now/ ( Worth about $ 30K!!!! )

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Loan modification,collection,foreclosure

Complaint: This inquiry/complaint is to Wells Fargo. XX/XX/XXXX, my husband began a reverse mortgage loan with your company. At the time, he was in his seventies, and no one ever explained to him that he would be responsible for paying the annual property taxes and insurance : as a result, these fees were paid by Wells Fargo. He passed away XX/XX/XXXX, but XX/XX/XXXX, I became eligible, by age, to take advantage of the non-borrowing spousal law. When I was told about the payments made by your company ( XX/XX/XXXX ), I offered to pay the amount due, but was told " hold '' my payment until I was notified. I was notified XX/XX/XXXX -but I was notified that my home would be sold at foreclosure on XX/XX/XXXX. On XX/XX/XXXX, I was informed that XXXX now owned my home, and I have been trying to negotiate ( unsuccessfuly ) with them for a equitablbe solution. At present, I am expected to vacate the home by XX/XX/XXXX. I am a XXXX year old widow with XXXX and XXXX and I have no family and nowhere to go. Please re-consider and 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 03-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed information about inquiries on my credit for months now. Equifax is saying that it is factual. I had a XXXX XXXX car loan pre-approval. I went to a few dealerships with my approval and told them that I wanted to get a car using my approval. I explained that if they could not use my approval to let me know and I would go somewhere else. They assured me that they would use the approval I had and not submit my information anywhere else. They did the opposite, without my permission. I would like the inquiries removed from my credit. There are a total of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and a host of others. I would like XXXX and Equifax to promptly remove the inquiries because if I had a preapproval of XXXX and the vehicle I wanted was only XXXX or less, why would they seek other financing. I am attaching a copy of my preapproval as proof that I already had my financing before I went to these lots, so therefore, they submitted my information to these companies without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (HI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: These XXXX keep calling from RANDOM phone numbers constantly. Sometimes it seems like different area codes as well. I think we have XXXX or XXXX different phone numbers for them so far. This is after we started keeping track. There have been dozens of hang up calls and calls from outside our area code with no messages left. 

I KEEP telling them they are NOT calling an individual but to the BUSINESS phone of a NON PROFIT ORGANIZATION. 
It appears they are to stupid to comprehend that simple English statement. 

They never state who they are, or the name of the person calling. If they do not hear a person answer they hang up and Voice mail messages from their numbers end up as " dead air '' and fill up our voice mail system sometimes preventing other legitimate callers from leaving messages. 

In an attempt to get more details of who THEY are, whenever i say that i am the person they are calling for, they tell me they are trying to collect a debt from a credit card, or other bill. The story seems to change each time. the dollar amount seems to change each time. 
I have not owned a credit card in possibly 10 years. Last vehicle was paid off about 10 years ago. 

With all of the internet scams out there, maybe these jokers are just professional scam artists? Hard to think otherwise knowing i have no credit cards or debt in 10 years. 

Any future contacts from them to us will be met with the most harsh and hostile reception possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2017 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: On XXXX Seller could no longer pay the mortgage on our previous house which was his home.. The owner 's wife had another XXXX and they had a loss of income and XXXX XXXX XXXX triple the payment on the mortgage. So the seller 's started a short sale process. They received and offer of XXXX and the balance was XXXX and a HELOC of XXXX. So with a loss of income. After many months of XXXX requesting documents repeatedly they received an approval for XXXX. After the home inspection was done the property was found to have around XXXX of section termite and repair work to be done. The first buyers walked. 

So it was put it back on the market. and received another cash offer. Again the amount of work caused these buyer to withdraw their offer. 

So this time we received another cash offer for XXXX on XXXX/XXXX/XXXX and the loan was sold to Shellpoint Mortgage Servicing and again they are stalling with this offer and Single Point of Contact is not returning calls with in the 24-48 hour guidelines and XXXX XXXX his supervisor has not returned the call. 

So the short sale is at an empass where comps of sold and active along with the new settlement statement to was provide Shellpoint XXXX instead of XXXX since the buyer is doing all the section 1 termite work.rather than a credit for the work. 

The house was brokern into last week which Shellpoint was informed and a requestto please approve the short sale. They are again stalling..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Payday loan) with Clark County Collection Service (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife, XXXX XXXX, received a loan from XXXX in XXXX XXXX, NV some time back perhaps XXXX. She was the only signer on the contract. When she defaulted, her account was turned over to Clark County Collection Agency and they also tried to collect from me. Although I have disputed this on several occasions, it still shows up on my credit report as a " joint account '' and that I owe {$990.00}. I have contacted Clark County Collection Agency and so has my wife to let them know I was not on the account and have disputed it with XXXX and XXXX. XXXX has failed to remove this disputed debt that I never owed and Clark County Collection Agency most recently reported this again in XXXX of XXXX ; therefore, I was unable to obtain a home refinance on my house which would have saved me XXXX dollars in bill payments each month. I actually have an account in good standing with XXXX and they wo n't do anything about it either : Last Reported XXXX XXXX, XXXX Collection Agency CC COLL SVC Original Creditor XXXX XXXX Status Open Opened Date XXXX Closed Date -- Responsibility Joint Balance {$990.00} High Balance {$2100.00} Please help, my wife has paid the amount she agreed to on this and Clark County Collections still wo n't remove. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Account shows transactions that we 're performed via debit as 2 days in future when in fact were performed 4 days prior and show as pending. All cash was removed from account and now accredited with {$200.00} out of thin air. Transaction dates manipulated not matching receipts. Transactions moved around of order. Possibly trying to manipulate account to try and gain overdraft fees.

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 04/14/2016 about Debt collection (Medical) with AR Resources, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I sent AR Resources, Inc a certified letter requesting that this alleged debt be validated baring a original signed contract to no avail. AR Resources only sent me back a invoice totaling the amount of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX collection account is reporting on my credit for a long time. I disputed this account several times and always come back verified. The thing is that I called directly to the agency ( XXXX ) and they are not able to find any account under my name, social security number, addresses, previous phone numbers, date of birth ... All personal identity information was provided and they never found me on their system but still reporting the false and damaging account on my credit as verified and accurate. I requested in writing several times a validation of debt such as signed contract but credit bureau and the creditor never complied. Transunion and XXXX continue reporting inaccurate and invalid information on my credit without any valid reason.

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
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: XX/XX/XXXX, I sent XXXX XXXX a certified letter to cease and desist illegal credit inquiries on my credit report. I have never signed an application with this creditor. 
I have tried numerous times to email and leave voice message to stop with out any response. On XX/XX/XXXX I sent a certified letter to Experian to remove all 7 of these credit inquiries and they refused to remove the inquiries. After XXXX received my request there are 2 more inquiries. This is a violation of the Fair Credit Reporting Act, Section1681b ( c ) This unprofessional company has the nerve to have XXXX XXXX contact me after I requested that my name be removed from their database.

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