milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2016 about Debt collection (Non-federal student loan) with SLM CORPORATION (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My sister was told, if she paid this amount ... she would not owe anything else as she is going to school. The loan would be deferred until she finishes college. She paid the {$50.00} but, it was only to stop them from calling for 10 days. They lied! Now they keep calling saying we owe money and that we have to pay it. They are lairs, the money should be put in deferment until she finishes school. They they said. I am the co-signer and they keep calling both of us after we both said stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Transunion continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information can not be validated. According to the FCRA, this item should be removed immediately.

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 09-08-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Convenience checks

Complaint: Bank of America sent me information regarding using a convenience check but made no mention that these checks were subject to a verification process that could result in their cancellation without timely notification, and that my verification of the transaction would still yield a cancellation of the transaction. 

BoA called me asking to verify the transaction which I did over the phone to a customer service representative. I found out later that although I verified the transaction, the transaction still was cancelled by BoA. I was told that the reason for cancelling the transaction was that the my verification occurred hours after the call was initially placed to me, and that the department that needed to verify the transaction was closed, and that the BoA representative I called back to verify the transaction could not contact the necessary office ( it was closed ). I was also told that because I had no signature on file with BoA, they could not verify my transaction and, ultimately, that is why they cancelled my transaction. 

Bank of America then sent me a letter verifying the cancellation with no mention of why this cancellation was occurring. The letter contained a phone number to customer service who explained to me that they had no way of understanding my issue and gave me another number to call which I did. The other number said that they were not the right department and I was transferred to another department I was finally given another number to call. 

BoA is not being transparent with consumers in regards to how they verify transactions and lure customers to use products without being forthcoming regarding the necessity of signature files etc. to verify transactions. BoA is also not forthcoming regarding how to resolve issues with customers as they gave me a number to call that was unable to give me any information and I was explicitly told by the BoA representatives that although I was given their number to call, that they had no information on my case. 

Customer Service Representative XXXX said she was going into file a complaint on my behalf with Bank of America and a letter will be sent to me from BoA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/19/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/2016 my account had an ending balance ( posted ) of {$8.00}, and BBVA charged me an overdraft fee of {$38.00}, even though my posted balance was n't negative. The bank is charging me an overdraft fee due to a hold on my account, not the posted balance as they are supposed to. My account posted balance was never overdrawn and is only now due to their incorrect fees they refuse to remove. 

Thank you for contacting BBVA Compass. We have received your inquiry regarding a {$38.00} NSF fees on your account. We would be more than happy and provide you information about the NSF fees that have been applied to your account. Upon reviewing your account, the NSF fees were applied because of a hold on your account of {$8.00} and {$6.00} to XXXX XXXX and XXXX 'S. When the transactions listed below posted to your account. The account only had a balance of {$9.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: My husband and I opened an equity line of credit with Bank of America. During some tough times, we used the {$35000.00}. which was the amount of the credit line. I had been working to pay it down, when suddenly I started getting notices that I was n't paying enough, they wanted more monthly payment. Well, living on XXXX, I was paying all I could, so I just kept paying, Then I started getting collection notices. I went to the Bank on XX/XX/2017 and spoke to the manager, thinking maybe we needed to refinance or do a modification. Well XXXX, was looking through the account on the computer, and asked us about an {$80000.00}. draw. We about fainted. The account had a {$35000.00}. limit, and since we had taken bankruptcy, it also said it had " 0 '' available. So I had n't used anyting, just trying to pay it down. 
So the band gave someone {$80000.00} on an account with a {$35000.00} limit, and then was charging us for it. 
I have filed this with the local sheriff 's office, reported to XXXX, also filed with FTC, who suggested I contact you. 
Bank of America says their fraud department is looking into it, but I have not heard anything from them. The Sheriff 's Detective is supposed to try to contact them today, but I have not heard anything as yet from him. I have not heard from XXXX for two weeks now, so I have done some research online, and following suggestions there. 
I thank you for anything you can for us. I feel that Bank of America is in so much hot water right now, that they are n't worried about my little claim. 
Thank you XXXX and 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 monetary relief
Consumer complaint received 06/20/2017 about Checking or savings account (Other banking product or service) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: BBVA Compass b ank has n't sent my transaction update for the  XXXX  and  XXXX  to a third party app I use on my mobile device. I called th em n  seems as if there 's nothing I can do but sit here and wait for the unknown. It 's be en two weeks th ey have n't sent out my bank info in times of need.

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 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 3 unsolicited hard inquiries on my bureau. No application for credit limit increase and my credit was pulled 3 times as of XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My XXXX/XXXX XXXX credit card account ending in : XXXX has an inaccurate balance of {$1500.00}. My XXXX account, should have a current balance of {$0.00}. My XXXX XXXX credit card account has an inaccurate balance of {$1000.00}. My XXXX XXXX credit card account, should have a current balance of {$0.00}. Furthermore, I want the following personal information added to my Equifax and XXXX credit report : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, ND XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$150000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: Dear Consumer Finance, Please note that I have also submitted this complaint to the Federal Reserve complaint line. XX/XX/XXXX, I walked into a Citibank branch in XXXX to close all my accounts ( savings, checking, and Checking Plus ). I settled all my charges and at no time did the teller inform me that with Checking Plus, no automated transactions should go through within the 48 hours. XX/XX/XXXX, I received correspondence from Citibank stating that I had charges through automated debits from XXXX. I was quite surprised since I was not informed of the rules, however, I paid for the amount owed ( $ XXXX+ ) and ask them again to close my account. Citibank 's customer service told me that it would take 48 hours once again and that no charges should go through. I agreed. By XX/XX/XXXX, I received another correspondence saying that I owe $ XXXX+ through XXXX and once again I settled, but, I ask them Citibank from the time I settled XX/XX/XXXX and to XX/XX/XXXX ( more than 48 hours ) there were no charges that went through so my account should have been closed. They promised me at that time, that all is settled and the account would be closed. Now this XXXX Citibank contacted me again to say that I have charges. Needless to say, I am quite upset! I am certain that the money I paid went towards bank charges for which I am NOT responsible for since the account should have been closed properly XX/XX/XXXX, again XX/XX/XXXX, then XX/XX/XXXX. I feel that I have been defrauded or the inability to close an account properly lies with the incompetence of Citibank. The collection manager I spoke to XX/XX/XXXX and again XX/XX/XXXX, accused me of 1 ) not really wanting to close the account ; 2 ) that he has no record of it. I was in tears over this and am still upset. Everytime, Citibank contacted me, I duly called them and settled my charges and ask them if the account is closed. They also went against their own rule by not closing the account during the period of XX/XX/XXXX - XX/XX/XXXX ( more than 48 hours and no charges went through ). This should have been a simple matter of closing one 's account. The misinformation, misdirection, and mishandling of closing a Checking Plus account is outrageous. Once again, I will not pay for any bank charges because of their mistake and I also feel that I have paid for all the charges that was automatically debited from Checking Plus. I have been forthright in paying all the past charges, and it has been more than 1 year since I 've tried to close the account. I have spent more than 18 hours talking with Citibank and I have had enough! Please help!!!!! Sincerely yours, XXXX 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 monetary relief
Consumer complaint received 05-11-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (DC).
Issue: Loan modification,collection,foreclosure

Complaint: Mediation was done in court between NationStar attorney and borrower at the beginning of XXXX 2016. The agreement was to get the modification packet request to Nation Star.Modification request was sent by there due date. Left message with account manager on XXXX/XXXX/16 also spoke to XXXX who advised of other docs needed. These were faxed. Left another voicemail with acct manager on XXXX/XXXX/16. As of to date no return call from account manager. I spoke to a representative today, XXXX/XXXX/16 who advised me that the account is closed and house went up for sale on XXXX/XXXX/16

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (IA).
Issue: Problems when you are unable to pay

Complaint: Both my family and myself were contacted by someone who identified themselves as investigators. They did not identify what company they were from and have been contacting us on unknown/restricted numbers. My family contacted me to express their concerns, as they though that the investigators were trying to reach me because of a criminal complaint. We feel that we are being bullied by 5th 3rd Bank and their 3rd party company, XXXX ( sp? ).

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 have been being denied credit for at least the last year and one of the reasons is because of the Transunions credit file they have on file. Particularly 3 accts. XXXX XXXX which they said was opened in XX/XX/XXXX and first became delinquent in XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX. That is not my acct is over 7 years old since first delinquent. The next 2 are the XXXX XXXX XXXX. I am o XXXX XXXX   XXXX  XXXX and have been since onset of XX/XX/XXXX. I never paid it and the XXXX XXXX said I didn't have to and trans union will not taske it off despite me sending them documentation contrary to what they are saying not to mention Trans union said they deleted the info on XX/XX/XXXX and  XX/XX/XXXX but when I talked to the supervisor there at transunion he basically said to bad. The loans aren for XXXX and XXXX something and they are saying I have a balance of {$130.00} and {$200.00}. Now y would I pay $ XXXX and not pay {$130.00} and XXXX? I don't owe them and want to fil suit against trans union for slander and or defamation of character..

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 05-12-2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Continued attempts to collect debt not owed. This collection was originally removed and reinserted without my knowledge with an amount of {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a   XXXX   XXXX   account on my credit report. I disputed this over a year ago. The account was opened up in   XXXX   XXXX    Nevada. I live in  XXXX , Al. And we do n't have   XXXX   XXXX  . Someone fraudulent open this account up in my name. I researched and called the company a year ago and told them this is not my Debt. Please remove this debt from my credit file. I have no associated address in   XXXX   XXXX   Nevada. Better yet call my employment I been employed on the same job 30 years. Check my credit report.

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 01/13/2016 about Debt collection (Mortgage) with Servis One, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX 2015 I received notification from my mortage compnay that my note was sold. I recieved information on new servicing company and promptly updated my " billpay info '' at my bank. Set up payment for XXXX to be recvd by mortgage svcr on XXXX, due date XXXX. 
-On XXXX, I received correspondence from new mortgage servicing company indicating my original note required EFT payments. I called the servicer to confirm the information. At that time the representative did NOT mention I was " Past Due ''. 
- On XXXX, I called servicer with questions with their form, the representative was NOT able to answer my question. ( What my monthly payment is ). Did NOT mention I was " PAST DUE ''. 

For 1 week hence, every day I received calls from BSI, " attempting to collect a debt ''. 

- On XXXX XXXX, I received correspondence again, this time stating I was " PAST DUE '' for my XXXX payment. I confirmed with my bank the bill pay was sent on the XXXX for XXXX receipt. I contacted BSI to inquire where the disconnect was, the representative confirmed receipt of payment on XXXX. 
- On XXXX, XXXX I received a telephone call that I was able to take as I was off from work that day, from BSI, wanting to know how I would like to pay my past due bill. I escalated the call and recounted my story to XXXX, Supervisor- advised she and BSI need to revamp their training and make sure they are not calling to harass customers who have paid their bills. 
- On XXXX, AGAIN received correspondence from BSI, dated. XXXX, stating my " PAST DUE '' amount. PAID on EARLY on XXXX. 

This HARASSING communication from a company that I did NOT chose to do business with, is completely and totally OUT OF BOUNDS and illegal! I want BSI sanctioned for this behavior, from not XXXX, XXXX or even XXXX employees ... this seems to be a pattern with this company. 

PLEASE MAKE THEM STOP!, If they are doing this to me, I can imagine they are doing this to unsuspecting individuals out there in the population.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Original Debt from XXXX XXXX of {$1200.00} it statesXX/XX/XXXXThis debt was originally from my ex-wife. She opened an account without my permission while I was XXXX serving on XXXX XXXX. I found out about this debt in spring ofXX/XX/XXXXa year and a half after our legal separation. In the divorce proceedings this debt was awarded to my ex-wife and she is responsible for the repayment of the debt. I sent this information to XXXX XXXX XXXX in the summer of XXXX. I had received no word and upon checking my credit report it is still listed. I called today, XX/XX/XXXX and was informed by a representative that they do not honor divorce decrees with debt settlement.

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 03-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out a small loan to subsidize my XXXX education. The loan was serviced by XXXX. Considering the size of the loan and the limited options to reduce my interest rate, i do not believe navient had my best interest at heard when they financed my small loan amount out to 30 years. Essentially I was just accumulating and subsequently paying on interest and very little principal. I believe these practices are a false and predatory for students who are to be contributing to greater society. It was difficult to work with them to get a loan amount that was within budget but also aggressive enough in payoff amounts. When I paid a lump sum early, it Essentially deferred my next payment not demonstrating good faith of my determination to pay off the loan or reduce the interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I had XXXX loans transferred to Loancare Servicing from XXXX Mortgage. During the transfer process, I setup automatic payment, as I have done with all of my mortgages. They took all my payment information and told me things were set. A month later, I get a call regarding the mortgage payment. I informed the representative that this is the XXXX time now, that I am giving payment information. As the person is inputting my information, they see that the info is already in the system. They say this was odd, but tells me I 'm all set and there should be no more issues. I have this exact situation happen XXXX more times, I then requested to speak with a manager. The manager gets to the root of the problem. Apparently, there was a fee of some sort that needed to be cleared before payment could process. This was not mentioned to me prior and neither of the XXXX representatives I dealt with on the matter, knew about. The manager apologizes and processes that fee. I proceeded to ask why this was not mentioned prior and would their mistake affect my credit. The manager stated it was either new processors or a new process and my credit would not be affected. My entire mortgage history has been and was clean prior to their errors. Now my credit shows XXXX XXXX day lates that was their error, not mine. I have disputed this several times through XXXX XXXX and they keep sending it back as accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 've previously disputed the account below with XXXX XXXX. This is not my account. They are falsely " updating '' the accounts in efforts to report it on my credit report. XXXX XXXX previously removed this fraudulent account from my credit report only to re add it again, causing my credit score to drop XXXX+ points initially, and updates and reports it monthly causing an additional score drop! This is not my bill. I did n't live in CA during this time, I was in the state of Maryland. I pay all my bills. I filed a police report ( REPORT NUMBER : XXXX ), I 've done everything requested, yet they only remove it temporarily, have it added back and cause further damage to my credit reputation? It used to say it was going to fall off in XXXX, now XXXX? What kind of business practice is this?

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