milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Making/receiving payments, sending money

Complaint: Bank of America prevents me from paying my Bank of America credit card bill via their online system. Whenever I try, I get a message saying my account is not verified ( that is, the bank account from which I am trying to have the payment drawn from ). Bank of America has been given all relevant details about the other bank account ( a XXXX XXXX account ). When I ask their customer service operator why they refuse to accept any payment drawn from the XXXX account, I am told it 's because I failed to acknowledge the XXXX tiny deposits they 'd made to the XXXX account many months ago to " verify '' my account. I responded that I never noticed the XXXX tiny deposits from many months ago ( a few cents each ). And I was never told to expect them. They said they 'd sent me an email about that. I replied that I probably never opened it since either, a. ) I assumed it was probably an offer for additional banking services I did n't need or want, or b. ) It just got buried in my voluminous email pile and I never saw it. Whatever the case, can we just try to make the XXXX tiny deposits into my XXXX account again, now that I know what to expect, I then asked. I was told NO. I was told I would now have to submit an onerous level of identity/banking verification in order to merely be able to pay my credit card bill online. This includes cancelled checks. When I responded that I pay all my bills online and do n't really have any physical cancelled checks, all I got was vague justifications for this requirement. I was also told I had to go to the nearest XXXX branch and submit a special Bank of America form in which the XXXX branch officer himself verifies my account. And if I recall correctly, there 's one more step that involved going to the nearest Bank of America branch for addition verification and documentation. Basically, all of this is unnecessarily onerous and unreasonable. I just want to pay my credit card bill online like I pay just about everything else. No other bank or financial institution I have ever dealt with has been so uncooperative or imposed such obstacles to resolving any issue.

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 09/27/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Struggling to pay mortgage

Complaint: We contacted Wells Fargo again concerning a HAMP modification review on XX/XX/XXXX, the documentation was faxed on XX/XX/XXXX to XXXX ; each page had the loan number clearly recorded at the top. A letter requesting additional documentation was received dated XX/XX/XXXX, in it was a request for my husband to provide a XXXX and myself to forward XXXX more paystubs in addition to the ones on file for the pay period ( XXXX XXXX ending XX/XX/XXXX and XX/XX/XXXX, finally my XXXX XXXX, to which I escalated the unnecessary delay to XXXX XXXX XXXX via email and snail mail since a Wells Fargo staff member advised the HAMP program was no longer available since a Wells Fargo XXXX XXXX member advised the Home Affordable Program was no longer available to us. so, in XXXX upon receiving a phone call from another home preservation XXXX an unemployment affidavit was completed by my husband and sent to Wells Fargo ( same day XX/XX/XXXX ). Another letter dated XX/XX/XXXX,  request for additional information request my husband to forward a letter of explanation for a ( 1 ) " bonus '' recorded on his paystubs (? ) to include ( 2 ) clarification for overtime or if he has he ability to receive it again and ( 3 ) prior years income is greater than current year to date ( expecting any additional earnings for XXXX ) and ( 4 ) confirm how many people live in the house ; to which a letter was composed and sent to Wells Fargo at XXXXXXXXXXXX on XX/XX/XXXX,  while mind you my husband is still unemployed with no benefits paid. Today, ( XX/XX/XXXX ) when I called for an updated status I was advised the review was closed ... " its what we do when the file reaches 30 days in age without a decision, the reason noted was the requested documentation was not received. '' ( per XXXX supervisor XXXX ) now let me send you to a member of my team XXXX, who will complete your welcome call, hold please '' ... really? IN summary it appears to me Wells Fargo is not concerned about causing borrower harm or cancelling modification request ( without notifying the borrower ) just to keep from being fined when the review is NOT completed within 30 days.

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 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Bank of America is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through Bank of America ( which we lodged a previous complaint XXXX ) wherein Bank of America constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with Bank of America was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by Bank of America to XXXX XXXX   now known as XXXX XXXX. 

I have called bank of america customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from Bank of America to 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 10/21/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Making/receiving payments, sending money

Complaint: I tried to make a purchase on XX/XX/XXXX from a specific website. The website is XXXX based so my account was immediately blocked. The transaction timed out and did not go through from the website. I did n't receive a receipt or confirmation so I went online to my bank account to check and saw this : Pending Transactions Note : Debit card transaction amounts may change ( Learn More ) XX/XX/2016 PURCHASE XXXX XXXX {$88.00} The funds are in pending status. I called Wells Fargo Claims XX/XX/XXXX and spoke with a rep who said that there was nothing he can do about releasing the funds because it is under Pending status. He advised to call the company to have them release the transaction. 

I emailed customer service at the company and this is their response : Hi dear XXXX Thank you for contacting the XXXX. 

Unfortunatelly we do not find any information in our system with the email : XXXX. Can you please send us a proof of the payment? 

I am very happy to help! 

Kind regards, XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXXXXXX The company above does not have phone customer service. I provided the transaction details through copy and paste like the above to the company 's rep in response to them. Still waiting to hear back. 

I tried calling Wells Fargo Claims department directly since that time XX/XX/XXXX. 3 days has passed since I tried to make the transaction and I 've had to wait up to 20 mins or longer and have been unsuccessful with getting anyone on the phone. The Claims department at Wells Fargo is unwilling to release my funds back to my account and there is no way to reach them. I 've tried calling 4x now and each time waited 20+mins and no one answering. This is unacceptable service from a large bank.

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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: {$1200.00} of balance from XXXX XXXX XXXX has been on my credit report for 9 years. I have tried to remove them but has not been successful.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Investors Financial Services Group, Inc. (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Company XXXX XXXX keeps running my credit every 3months, I dont know this company and never applied with them. A lot of hard inquires on file, I have no knowledge of. A lot of fraudulent inquires.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: XXXX closed account, reversed debt from {$400.00} to {$0.00} on XXXX/XXXX/XXXX, and removed all late marks on XXXXAll is fine with XXXX. Negative remarks need to be removed on XXXX and Transunion.

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 04/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion has allowed " XXXX XXXX " in reporting negative and INACCURATE information on my credit profile from an account of a leasing machine in XX/XX/XXXX. 
This is NOT my account, I NEVER signed for this account. According to XXXX XXXX, this account was activated in XX/XX/XXXX. I was not an owner of this business at that time, but purchased the business until XX/XX/XXXX. I have informed XXXX of this and that this is not my account several times. i sent a signature affidavit to Transunion as proof along with a fraud complaint. The Illinois State agency shows i was NOT the owner of this business related to this account in XX/XX/XXXX. Yet Transunion has continued to report this civil judgment from Same creditor on my personal profile. 
This has significantly damaged my credit profile as well as interfered in business transactions and growth. It has created a mental and financial hardship. 
XXXX is well aware I was not a signor on this account, and so now is Transunion but have reported negative information on my credit profile anyway. Furthermore it has come to my attention that XXXX has been the target of many lawsuits due to their unethical practices. Again, XXXX is a company known for illegal, unethical and fraudulent claims against consumers, and in spite of the evidence being presented Transunion credit bureau has failed to remove this inaccurate account ( s ) from my credit profile, and i have been disputing this for over a years time now. 

ALSO, This company has pulled my credit continuously without my authorization whatsoever which Transunion has allowed them to do despite my objections. This has created a hardship for me and has done considerable damage in my life both XXXX and financially.

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 11-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Basically, Navient told me that my student loans were not paid and charged me fees even though they were paid and they were paid on time. Then, they were supposed to refund me my overpayment and they keep giving me the run around ... .it has been over a month now and I keep calling however, no one has settled the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I enrolled in student loan thru sallie mae in XX/XX/2014 When my loan came due it was very difficult to understand how to enroll in my repayments options ( income driven vs normal ) as well as enrolling the proper account to use in the repayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I inadvertently defaulted on a XXXX account with a balance of {$690.00}. This amount in full was paid DIRECTLY to XXXX and there is now a {$0.00} balance with them. This should NOT be with a collection agency or reporting as such with any credit bureaus. Upon disputing this with the bureau, they claim to have verified it, although I was able to verify with XXXX that there is no balance on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am formally requesting that this item " Satisfied Judgement Case Number XXXX '' be investigated and removed from my credit report. 

Accordingly, I can show a judge that these items meet the requirements for removal. 

Please note I am a XXXX Veteran XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Checking or savings account (Other banking product or service) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On XXXX, I tried to access my online banking services with Citibank. I found that the system would not allow me access and merely stated that I should try to access the site later due to : " Technical Difficulties ''. 

I tried again to access my online banking on XXXX in the morning and again in the evening to access online banking and received the same message to try again later due to " Technical Difficulties ''. 

On XXXX, after receiving the same message I called directly to the Citibank customer assistance and tried repeatedly to access the online services with a banking representative, after several repeated failures due to " Technical Difficulties '' - the representative consented to forward my call to a Supervisor. 

I worked for another thirty minutes with the Supervisor every step of the way and she finally admitted that Citibank is indeed experiencing " Technical Difficulties '' with online banking - especially relating to resetting password access. XXXX stated that the problem has existed since XX/XX/XXXX and has not yet been resolved. I called today ( XX/XX/XXXX ) and the banking representative again confirmed that the " Technical Difficulties '' have not yet been resolved. 

At present - there is NO statement on any webpage from Citibank, or disclosure regarding this breakdown in their ability to deliver services. While the Supervisor at Citibank says she recorded my complaint, and added my call to their trouble ticket, I am also deeply concerned by the lack of disclosure to the public and Citibank customers specifically about this extended failure in their services.

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 11/24/2017 about Debt collection (I do not know) with Jim Bottin Enterprises, Inc (PR).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have been receiving phone calls from a collection company Number ( XXXX XXXX XXXX They said they are representing a company name XXXX XXXX. I contested the debt and demanded verification. They did not provide any instead gave me another telephone number. I called the number they gave me XXXX XXXX XXXX they did not provide verification they did not identify themselves they wanted me to provide them with my personal information. 

I have never done business with such company. I do not owe any money to this company and they keep calling me in a regular basis requesting payment without verification.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Consumer Loan (Vehicle loan) with DriveTime (TX).
Issue: Taking out the loan or lease

Complaint: This vehicle had a bumper to bumper warranty on it. They never honored the warranty and I was looking at {$4000.00} in repairs. I had several dealerships try and work with them and they would not budge. After 2 months of not having a vehicle I let took it back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: On XX/XX/XXXXmy XXXX XXXX XXXX broke down on the interstate. I had the vehicle towed to Nissan of XXXX located at XXXX XXXX XXXX., XXXX, GA. After performing a diagnostic test on the car Nissan contacted me to say a Mass Air Flow sensor caused the problem. I was also advised the tire rod on the vehicle was bent. Nissan repaired the sensor and the tire rod. They then contacted me to say my transmission is bad in the vehicle due to the wrong fluid being in it. I have never had my transmission serviced on the vehicle. The only maintenance performed outside of Nissan was an oil change. Nissan of XXXX had conflicting stories from their technicians. One tech said the fluid was yellow in color while another said it was black. This raised concerns. So after they sent whatever samples off to a lab it was determined it was not the proper fluid. Well my concern is who added the fluid to the vehicle and why was it yellow for one tech then black for another. Where did they get these samples they sent off for testing? Was it the black sample or the yellow sample? Nissan 's Security Plus Warranty Department refused to honor my warranty and will not repair my transmission. My car has never had transmission service, their techs had conflicting stories and why was the transmission issue not diagnosed initially. I believe someone added a bad fluid to the vehicle at Nissan because the issue did not come up until after they had the car diagnosis done a second time. I am still paying Nissan Finance {$500.00} a month on this vehicle until XX/XX/XXXX. The warranty I purchased costs {$2100.00}. Now that I need the warranty they will not honor it. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Allied Collections Services of Nevada XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV. XXXX ) called me ( employee # XXXX ) to collect a debt that they claimed was from XXXX in XXXX XXXX. They were unable to confirm what the debt was for. I asked for this information to be sent in writing to my home address. This information was never sent, and yet a month or so later, with no attempt to contact me again, nor any written contact, the debt appeared on my credit report. I filed a dispute with the credit bureau, who removed it from their report. I then confirmed with XXXX and XXXX that the debt was in error. They confirmed that this information had been forwarded on to Allied Collections. Allied Collections denies this and continues to claim that there is a debt owed, despite having no evidence of it beyond the quantity of the debt, and without ever having contacted me in writing, despite ample opportunity.

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 10-12-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have been trying to communicate with Fay Servicing for the past 6 months with no successful outcome. In XXXX of 2016 my loan was transferred to Fay Servicing while my loan was already in default. A lender/servicer can not collect on a debt that is transferred during the default process. Additionally, Fay Servicing failed to provide me with a fair opportunity to reinstate or reconstruct my loan and provide no denial verbally nor in writing regarding their decision to not assist me, instead they told me my only option was to proceed with the letting the home sell at auction. I was in the process of getting the reinstatement amount out of my mutual fund but unfortunately the process can take 30-45 days to which I explained to Fay Servicing and they refused to allow the extension of time to allow me to do so. 
Additionally, the beneficiary of this loan is XXXX XXXX XXXX XXXX, whom was never registered in the State of California to do loans. Because they were never registered in the State of California the Deed of Trust shall be void ab initio. 
My violations as a homeowner have been severely violated at this point and Fay Servicing has failed to provide me with the opportunity to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Billing disputes

Complaint: I purchased XXXX dog beds from XXXX. They both had tears in tem. I contacted the merchant and they sent me a return label to send these XXXX dogs beds back to them. I sent the XXXX dog bed covers back to them with the return receipt. They advised that they received a " blue cushion ''. Both dog beds were in the box. My credit card ompany is not helping me at all. They are taking the word of XXXX. I have contacted XXXX, XXXX and the dept of consumer protection. This is very upsetting.

Company response to consumer: Closed with explanation