milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Using a debit or ATM card

Complaint: I filed a complaint with BBVA Compass bank regarding XXXX charges from XXXX for {$1500.00} and XXXX for {$360.00}. The disputes were denied. I provided 3 second opinion letters. Each letter were from business that I have a close relationship with and had done business with in the past. It is hard to obtain a second opinion letter from a merchant who as no know of your character or person. XXXX XXXX is a small town shop and their letter was not considered good enough because it wasnt on letterhead paper. BBVA Compass had not clear reason for denying my claim besides the small company did n't provide me with fancy letter head. 
All three second opinion letters advised that the vehicle in question was falsely advertised. My credit card information was given to the consumer by an unauthorized third party. The vehicle and repairs in questions were not warranted because the vehicle was not repairable and has several electrical problems. My credit card should have been deactivated and issued a new one and I should have been refunded. I have not been allowed the ability to appeal the decision. I have lost {$1800.00}, due to the mishandling of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with EQUIFAX, INC. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Equifax said my information was breached in their security breach

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I contact the original creditor "   XXXX   XXXX   '' via telephone on  XXXX / XXXX /2017 regarding the " debt '' that was placed in collections and on my credit report. We made an agreement that once payment of {$600.00} has been cleared that an immediately delete this account from any and all credit reporting agencies (  XXXX ,   XXXX   and  XXXX  ) would occur. This payment was processed on the  XXXX / XXXX /2017 and I contacted   XXXX   XXXX   on  XXXX / XXXX /2017 via telephone and e-mail to confirm payment and removal of the incorrect credit reporting for all parties involved. The manager   XXXX   XXXX   confirmed that the payment was received and that agreed the account would be removed from all credit reports and pulled from collections.
All certified funds for the settlement amount of six hundred dollar ( {$600.00} ) was paid to   XXXX   XXXX   on  XXXX / XXXX /17 in exchange for full deletion of all references regarding this account from all credit files and full removal of the debt reporting for all parties involved.
Furthermore, my family members and I have been receiving non-stop spam collection calls since this account has been reported on my credit report. I strongly believe that the collection agency involved sold my information to another third-party company regarding collection of this debt. I do not have a contract with the collection agency and have not authorize them to sell my family or my information in any capacity. I have contacted the collection agency several times via phone and certified mail regarding the harassing phone calls and e-mail to my family and I. Unfortunately the collection agency has failed to respond to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On or about XXXX XXXX, I begin monitoring my credit scores from TRANSUNION. My scores have continue to drop, with no justification for such a drastic drop. TRANSUNION is the only credit reporting agency that continuing reporting very poor credit scores. 
On XXXX XXXX, XXXX, I received the lowest credit score ever reported. TRANSUNION continues to be non responsive to many disputed letters and even has been non responsive to a complaint submitted to Consumer Finance Protection Bureau. It has been noted that several creditors have reviewed credit scores received from TRANSUINION, resulting in several creditors denying approval on great credit rates. TRANSUNION continues to label me as a high risk or bad risk with no justification. Why is the system allowing TRANSUNION to continue to degrade me, why are creditors continuing to accept what TRANSUNION report as gospel. Why is the Consumer Finance Protection Bureau or the organization that oversees credit reporting agency 's actions allowing them to continue to report very poor /poor credit scores, without justification? The other credit reporting agencies have shown great improvements in my credit scores. 
Having reviewed latest credit reports I found that there is very little differences in what each agency is showing on credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Upon application for a home loan, my bank informed me that TransUnion listed me as XXXX and could not approve my home loan. The XXXX and XXXX credit reports are correct, but I am listed on the TransUnion credit report as XXXX. TransUnion has merged my XXXX  father 's information ( XXXX date : XX/XX/1982 ) with my personal information on my TransUnion credit report and it needs to be deleted so that it reflects that I am alive.

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 06-09-2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (MI).
Issue: Account opening, closing, or management

Complaint: My mother established a joint account with me with GMAC which is now Ally Demand Notes and XXXX in XXXX. My mother died three years ago and I sent Ally a certified copy of her death certificate. I also made deposits and withdrawals from time to time. On XXXX XXXX, 2016, I contact Ally and asked that the account be closed and the funds sent to me. I had been receiving monthly statements on this account for years to my home address in XXXX, Michigan entitled XXXX, XXXX. A check for over {$XXXX} was apparently made out, but made out with my mother as joint payee and then mailed to my mother 's old address in XXXX, Michigan. That residence had been sold and the new owners are " snowbirds '' who close up the house in the winter months and have their mail held at the XXXX post office. I never got the check and evern if I had received it, I could not cash it because a dead person 's name is on it as payee. I started this process by telephoning Ally and speaking with a XXXX XXXX on XXXX XXXX and XXXX around XXXX XXXX, I recevied a notice of confirmation of changes which I did not uderstand so I called and Ally assured me that everything was all right and the check had been mailed. I called around XXXX XXXX when I had not received the check and the Ally clerk then told me 1 ) they had my mother 's death certificate on file 2 ) the check had been mailed to XXXX and 3 ) my mother 's name is on the check! For months, if not years, the monthly Ally statements had been mailed to my address in XXXX! I wrote to Ally on XXXX XXXX, telephone them on XXXX XXXX and on XXXX XXXX, sent another letter on XXXX XXXX. Ally responded with sending me an affidavit to sign which I swore I had not cashed the check but on closer examination, the " affidavit '' was actually an indemnification agreement where I agreed to be liable if someone else cashed the check. I would not sign the Ally affidavit but I drafted my own affidavit and swore I had not cashed the check, did not know its whereabouts, the exact amount, or the check number. I received zero response from Ally. I sent my counter-affidavit on XXXX XXXX, 2016. I sent my next letter on XXXX XXXX, 2016, reviewing all the above information to refresh Ally 's memory and warning Ally that I would contact CFPB if Ally did not resolve this problem. Here it is a month later and I have heard nothing from Ally. I figure the XXXX check has probably expired by now and Ally could easily determine whether it has been cashed or not. It should not take over fourth months to complete a simple transaction. I hope you can investigate and get me my money.

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 02/16/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I had a second mortgage with Ocwen and in 2012 I filed a Chapter XXXX Bankruptcy. During the Bankruptcy they continued to report negative and inaccurate information stating that I was over 150 day past due, which is against the bankruptcy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: I AM FED UP WITH WELLS FARGO. THEIR BANK FEES ARE HONOROUS. I HAD APPROX XXXX IN MY ACCOUNT AND XXXX WAS PULLED FROM MY ACCT BY IRS DUE TO A PAYMENT PLAN. FOR MOST MONTHS, MY PAYMENT HAD BEEN XXXX AND I WAS NOT ANTICIPATING XXXX. I PUT XXXX IN MY ACCT THROUGH A TRANSFER WHICH IS POSTED A DAY LATER THAN IT SHOULD BALTHOUGH ITS FROM MY ACCT. TODAY I DEPOSITED ANOTHER XXXX. FROM MY PONT OF VIEW, I HAD XXXX DOLLARS POSTED TO MY ACCOUNT WHICH WAS TO COVER XXXX. BECAUSE OF THE XXXX LATE FEE, I GOT ANOTHER LATE FEE WHEN THE XXXX POSTED. THEREFORE IN 3 DAYS WELLS FARGO COLLECTED XXXX DOLLARS IN OVER DRAFT FEES FROM SOMEONE WHO IS STRUGGLING FINANCIALLY. I HADXXXX IN BILLS AND I AM STILL XXXX IN MY ACCOUNT. I HAD XXXX ADDED TO THIS ACCT AND XXXX BILLS AND I AM STILL XXXX. DOES NOT MAKE SENSE. 
ALSO, I GET XXXX FEES FOR TAKING MONEY FROM MY OWN ACCT TO COVER IN MY IN A CHECKING ACCT SO IT WO N'T BE AN OVERDRAFT.!! 
WITHIN 5 DAYS I MUST HAVE ABOUT XXXX DOLLARS IN BANK FEES. IF I HAD THE MONEY, I WOULD NOT HAVE AN ISSUE. I FEEL THEY ARE PENALIZING POOR PEOPLE.!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I was selling a household goods item - the person that bought it sent me a Wells Fargo Check for {$2000.00}. I deposited it into my Wells Fargo checking account. The company picking up the item for the individual was paid by me out of that {$2000.00} - a sum of {$1000.00} to pick up and transport the item ( about 40 feet of solid surface countertops, a sink, and a range ). As it turns out, it was fraudulent - the persons that sent me the check fraudlently drew a check on someones account, sent it to me. The bank took the {$2000.00} from my account, of which only {$1000.00} was left. So ... I am out {$1000.00}, the person to whom it was taken from is whole, the fraud perpetrator is up {$1000.00}, the bank is whole - it was a Wells Fargo check and I deposited it into a Wells Fargo account. I am the only one that was punished and I was as much a victim of the fraud as the other person. I thought fraud protection was one of the things the bank was supposed to help prevent, help make clients whole ( they do it for credit cards that they charge you 20 % on ). I have copies and specific dates as needed.

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 07/26/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Can't contact lender

Complaint: I missed the payment date a few years back and forgot all about it, they never emailed, never called then all of a sudden today another company called Cash Advance emails me, telling me they are going to contact the police and that i 'm going to jail if i do n't pay them {$640.00} via a XXXX card. when i asked them why could i not do it with a money order and mail it to them they refused and now they are saying i have to get a lawyer and pay {$8000.00}. they also refused to allow me to make payment arrangements with the company i took the loan out with ( 2 years ago ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I saw on my report that they have an address for me of XXXX. I have never lived at or near that address.

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 06-09-2015 about Debt collection (Auto) with reekside Recovery And Capital Management (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was contacted yesterday by a company looking to serve me with sealed summons. They gave me a phone number and when I called it was a debt collection company Creekside Recovery and Capital Management. They told me that if I didnt pay by XXXX, the summons would be served and legal action would be taken

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been actively monitoring my credit through XXXX XXXX. In the middle of XXXX, 2017, Equifax  reported information through XXXX XXXX, vwhich resulted in a XXXX XXXX score. Many negative items were disputed by me directly with Equifax via letters. Equifax, removed many of the items due to the failure to verify the accuracy of those negative accounts. However, they also deleted my open and active credit card account, which is in good standing. These actions resulted in a NO SCORE credit file with Equifax. Consequently, I have been denied credit based on information provided by them ( No credit experience ). I contacted Equifax a few weeks ago when I first noticed that my credit card account was deleted. I was not able to resolve the issue with them. Since then, I have not been able to speak with anyone. Furthermore, Equifax has continued to update only negative information through XXXX XXXX, even inquries as recent as XXXX XXXX, 2017 ... .but, not my open, in good standing credit card account with XXXX XXXX . If I have an account in good standing, which was previously showing on XXXX XXXX, I should have a credit scorXXXX for reporting. I have eliminated the theory that XXXX XXXX is the issue, as the rep from Equifax suggessted since I had purchased a subscription from XXXX ( I think thats the name ) and it showed my Equifax score a ( 4 ). Additionally, I tried to purchase an Equifax subscription, using the card that they deleted from my file and my subscription purchase did not go through although my card was charged. I feel as if they are only reporting negative information about me and not positive accounts ... and I have no way to regularly monitor my Equifax report to for errors and accuracy. Ive attached files that show that my card was previously showing, but was deleted, along with proof of my previous score and proof that the XXXX XXXX account exist, is in good standing and reported by other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Struggling to pay mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). 

The lender was provided all docs needed for the loan mod review to be completed and are refusing to complete the review - the lender has also not allowed the time needed to appeal any decision of the review that is required by REG X

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 02-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Re modification states according to terms provide for interest rateand principal and interest payment adjustments. Was paying XXXX monthly 2 % interest. Now new interest 9.2 % new payment with principal and interest XXXX. New monthly payment including principal, interest and taxes 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 10/28/2015 about Credit card () with CITIBANK, N.A. ().
Issue: Customer service / Customer relations

Complaint: Last year I shopped at Brooks Brothers in XXXX premium outlet. A store staff introduced me the club card. I told him that I do not want credit card. He told me it is only club card. I gave him my XXXX credit card for payment. After I went back to XXXX, I realize that payment was not made on my credit card. Later I received brooks brokers credit card bill. I went me XXXX, XXXX and XXXX, but none of the bank in XXXX can help me to make the payment. 3 month later, I finally got chance to go to XXXX premium outlet again, but store staff in brooks brother told me that they can not make sure the account came up on their system is mine. I made {$100.00} payment to try. Next statement I received, it shows the {$100.00} payment. However, I was too busy to go there again in a few months. A friend told me that I can make payment in a US post office. So I told one working day off to the States again to make the payment by mail with exact amount owing. However, before they received my payment, {$16.00} interest has occurred again. Till then I have made about {$120.00} payment just in interest. 2 month ago, I received new statement with about {$30.00} balance. Today I 'm in XXXX XXXX, I went to brooks brothers in XXXX, store staff can not look up my account, so they called for me, and figured my balance is {$100.00} including late fee. I never had chance to see the fine print of the credit card, but I never heard late fee on credit card but interest before. They could n't help me to make payment in XXXX XXXX premium outlet, but told me that I should be able to do that in XXXX palace. I went to brooks brothers store in XXXX, they ca n't pull up my account neither. If I mail the payment, I bet new interest will come out, and new late fees. This is fraud now. I called them, and they do n't want to help me. Please help me sort it out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2015 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Credit card protection / Debt protection

Complaint: I have an issue with my card membership through XXXX and American Express, and the partnership that is being severed between the XXXX. I got the card due to the benefits through XXXX and rarely use it elsewhere. I have other credit cards that I use for day-to-day expenses. I feel compelled to keep the AmEx, though, because it 's the card I 've had the longest, so I do n't want my credit to be negatively affected by cancelling it. Essentially, I will be forced to pay the AmEx membership, even though I wo n't use it due to lack of benefits just so I can maintain my credit rating. These types of " partnerships '' between retailers -- a " wholesaler '' in this case -- and credit card companies seem to force people into situations that are n't fair. Maybe I 'm just venting but I think AmEx should allow card holders to keep the card without paying an annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (CO).
Issue: Problems when you are unable to pay

Complaint: I was contacted this morning regarding my delinquent auto loan. I am past due {$460.00}. I have been asking for a deferment on this payment for months. Every time I contact the company asking for assistance I am told no. So I have continued to make my required monthly payments. Today, I was contacted by a representative and was told the my car was actively out for repo and that I had to make a payment or they were coming to get my car immediately. So I set up a payment that I can not afford. Shortly after this phone call I received an email from the company offering me a deferment on my past due payment. So I called back hoping for some assistance and I spoke a representative by the name of XXXX. I advised him of the email that I received and expressed that I would like to take advantage of that offer. He told me that the email is just a suggestion and that my account did not qualify for a deferment. I told him that the email stated that I did. I then requested to speak with a manager at which point he told me that he would submit my account to a manager queue and a manager would call me back at some point. XXXX representatives were extremely unfair, deceiving and abusive. The representative by the name of XXXX stated, " Go ahead theaten me, I ai n't doin ' nothin ' wrong. '' when I advised that I needed to speak with a manager.

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