milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Mortgage with M & T Bank.Last month I wrote my bills, including the mortgage, on XXXX XXXX. My payment would not be late until XXXX XXXX, three weeks after I sent my payment. I watched my account to be sure that they all cleared. I have never been late with my payment. I called the bank, and they told my that payments go to a payment center. Then she wanted me to make a payment by phone. I told her I could not afford to make a double payment. She tried to push me into electronic payments. I told her no. She said we would wait a few more days. The check finally cleared on the XXXX of XXXX. I am pretty sure that they held my payment back on purpose. I absolutely do not want this. I want my paper statements.

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 10/23/2015 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Delinquent account

Complaint: I had a Barclay 's US Airways credit card that I was keeping at a XXXX balance. Due to what I was told was a computer error, the system thought there was a payment due on this card. No mail, email, or phone calls were used to try to inform me about this ( and I was n't checking the account as I knew it was at a XXXX balance ). 
It was during a time when I was refinancing a house, and this knock on my credit was the only blemish on my credit, and brought down my score considerably. Had it not been resolved in time, this lower credit score could have effected my interest rate on a home for years. 
It took many phone calls and escalation ( I calcualted 6 hours I spent on the telephone with Barclay 's customer service ) to get this clarified, resolved, and updates sent to the credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (WA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Issue with Coinbase Transferred Ethereum based Tokens into my Ethereum Wallet on thier Exchange. They will not provide me the Private Key of my wallet so I may transfer my Tokens out of their wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted a previous complaint thru your portal in XXXX with complaint ID XXXX, do to Inaccurate accounts showing on my credit report. I received a response from the company stating that the accounts has been verified that they belong to me which is not accurate.

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 07/28/2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Balance transfer

Complaint: I am having trouble paying off a debt I incurred with the original credtor pay pal credit. They then transferred the debt to XXXX on XXXX XXXX of 2014. I called XXXX and they said they sent it back top pay pal. I owe over XXXX dollars I want to pay my debt but I cant find it Its in limbo. Neither company will trace the debt and help me I have called multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have no derogatory marks on my financial history since I first established my credit history. I am employed and have been for the last 6 1/2 yrs with the same employer. I have shown myself to be a good credit risk for several years, however, all three reporting agencies refuses to allow my credit score to rise higher than the mid 700. This could only mean they are using factors that play no part in my financial risk i.e. my gender, race, and my demographic which are all bias.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I originally had loans with XXXX XXXX. I was never notified of my loans being sold to navient. Navient is not correctly reporting my loans to my credit bureau, nor did they explain to me repayment. I was under the impression all of my loans were in repayment plan, because when I signed up that 's what I was told. Apparently only 4 were in the program. I would have never only put some loans in repayment I wanted them all in repayment that was the purpose of repayment plan. Navient never discussed with me. I have been repaying for close to 4 years now and my credit is awful because I was n't aware that I was n't repaying everything. Navient does not have their info correct either when it comes to calling them for information. Student loans are crippling enough on their own, the company servicing themy should be helpful not a hinderence.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Billing disputes

Complaint: Target billed me XXXX on XXXX XXXX with late fees. we paid the bill and have proof the check was paid to target via my bank. My bookkeeper and I have been dealing with target on a weekly basis since then to no avail. They have not process that amount and continue to add finance and late fee charges. We are always put on hold, told they will call us back and this never happens.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My Name is XXXX XXXX XXXX This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. Please remove the following addresses from my files I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX I have had issues with my information being sent to these addresses and I do not live at any of these locations. 
My current and only address is : XXXX XXXX XXXX, XXXX, GA XXXX I Have lived here for over 5 years

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This company kept on calling my phone line ( automated ) saying this is not to collect payment but is to lower my interest. And that they have been trying to reach me to lower my interest rate. I do n't have a credit card but XXXX  credit card. This company has been calling me using so many different numbers that i kept blocking. This is the last number they called me on today XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Capital One Platinum Mastercard : - Has zero grace period.

- Requires a payment by XXXX XXXX on your monthly due date. 

- Charges {$25.00} late fee whether you pay one day, or even one hour, late. 

- Does not allow you to change your due date for 60 days following change of address. 

- Requires all payments solely via bank checking account, not with a bank debit card nor a credit card. 

- Advertises itself as a credit building credit card. 

I recently applied for this card, and several other credit cards and accounts, to raise my credit score due to a lack of credit card accounts in my credit history ( I pay cash ). However none of my other new credit cards require these predatory terms and conditions and I've incurred no fees with them. 

I made several payments on time but was a day, and then one hour late on 2 payments resulting in {$50.00} in late fees. Cap One 's policy grants one refund of a late fee per year and I was disqualified from the advertised automatic credit increase. 

This is why I never bothered with credit cards in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Payoff process

Complaint: nothing against amercian express but have been writing since XX/XX/XXXX with no response. affected by catastrophic illness and vabdlaism to my home with some interruption to cash flow has been hard. i am a loyal long term customer here and wrote in about some forgiveness of my balances. NOthing with strings attached just loyalty for loyalty like XXXX forgiveness on each. every day card and business this would make a huge impact. and help me so this is not a complaint. i dont need hardship just some loyalty and next month is my birthday PLEASE cosnider PLEASE. i use it carefully, pay and some of the expenses are for problems and hardshiips like flying my son for XXXX or for vandalism to my home. i have heard nothing on my letters PLEASE help please no scripts. Please give back what i have given to you when i need it PLEASE please help me think of all the money lost to bad customers when they dont pay PLEASE help PLEASE PLEASE PLEASE it will cotninue to earn my loyalty PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Payday loan, title loan, or personal loan (Installment loan) with Oportun Financial Corporation (TX).
Issue: Struggling to pay your loan

Complaint: I have sent cease and desist letters to the loans and they continue to harass my family, friends and myself. I receive SS and have no assets.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2012 I was awarded a permanent loan modification from XXXX. My Payments were to be $XXXX per month and I made all payments on time.
After a few months, I started receiving late notices in the mail. I started an investigation with XXXX as to why I was receiving late notices and before the investigation was concluded, my servicing was sold to XXXX. 
I notified XXXX of the investigation with XXXX and they found the reason I was late was that XXXX had applied my first modification payment to my escrow account in error. Before that investigation could be finallized, my servicing was sold to Nationstar. 
I started an investigation with Nationstar to correct this and they told me their accounting is correct and I am 1 month behind on my payment, when I sent them proof of every payment ever made. They also added back on $XXXX to my principle that was forgiven as a result of the modifications stating I did not receive the foregivness after all because I am delinquent. 
I need help from someone that can do something about this. They have ruined my credit and cost me $XXXX because of bas accounting and laziness in looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: The College ( XXXX in XXXX, Ca ) that I was currently enrolled abruptly shutdown. I was XXXX weeks away from graduation. I am no longer choosing to continue with my education since I would have to take even more classes. I also did not get a well paying job out of it, even though I was told numerous times I would.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is an inaccurate late charge being reported on my equifax file that I have disputed with both creditor and equifax a total of 9 times. The creditor continues to tell me that they have notified equifax to update their files however that has not happened. Equifax continues to tell me they investigated the information and the credit XXXX confirms it as accurate. XXXX has sent me a copy of the letter 3 times that they say they have sent to equifax ( i too have forwarded it to equifax ) however I just get the run around that they can not take the letter form me and never received it from equifax. This process began in XXXX prior to me going into the home buying process. I have not located a home and in contract and am being penalized for this inaccurate information. It is effecting my credit score which determines the rate and options I have. This has been a dauting process and I am completely drained and have not choice but to move forward with the mortgage and penalty for inaccurate information or I will lose the house. Equifax should be responsible for every dime I have to pay above what I should because they will not update this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Struggling to pay mortgage

Complaint: dual tracking XX/XX/XXXX while waiting for a social security XXXX case to finalize i tried to pre-empt a problem with wells fargo. got with a specific person XXXX XXXX. XXXX XXXX suggested a unemployment /income deferment for 10 months and 2 more if needed ( act 91 i believe ). started on the XXXX dollar /month payments when XXXX did not call in XX/XX/XXXX i contacted fargo got told a new POC was a XXXX XXXX who was a new fargo employee, instead of inacting the 2 month extension she initiated a modification application which i was told by several fargo people was available, XXXX lost 3 pages and i ended up in hosp 2 weeks i never heard from her again after 6 tries to contact then i get a call your in foreclosure. the call came that foreclosure process started on XX/XX/XXXX, with payments made thru XX/XX/XXXX and waiting on new bank card to make may {$25.00} payment. still XXXX do to the XXXX XXXX issues that put me in hosp., never heard back from POC XXXX just XX/XX/XXXX your in foreclosure call. I made a call to XXXX XXXX a vp in fargo anc complained it got me with XXXX XXXX who initiated a mod appl. during a modification process application and appeal sheriff left card on front door XX/XX/XXXX. called POC XXXX XXXX ( taking mod app ), and was told sheriff not from wells fargo due to my account in a foreclosure suspension. just want to re-start monthly payments as 1st mod, XX/XX/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 12/21/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Closing/Cancelling account

Complaint: My wife has a American express XXXX XXXX miles credit card, her name is XXXX XXXX XXXX I was just an additional non responsible member, when I pulled my report I saw that they are reporting me like 6 times for the same card, I immediately requested they should take me of from this card completely, when I made them aware that they are listing me six times XXXX card limit and all maximized and its effecting my credit very badly they advised me it was a mistake on their end they will make sure to take it completely, they will just have me listed as XXXX time additional when in fact they left all the XXXX cards listen on my report and just saying that I was terminated. 
Thank you very much for you help

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Balance transfer fee

Complaint: RE : Case number : XXXX Regarding the above referenced case number, Chase responded with a letter dated XXXX XXXX, XXXX advising that they would not be refunding the {$150.00} balance transfer fee. In the letter, they advised that they had reviewed my calls to Chase from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. They state that there was no mention of interest charges during the call on XXXX. The fact is that I made calls to Chase on XXXX @ XXXX, XXXX @ XXXX XXXX and XXXX @ XXXX XXXX. Is n't it funny that they said they reviewed the call on XXXX, but there was no call on that date? Also, during the call on XXXX, the actual balance transfer was initiated, but not before I confirmed the terms of the offer again ( thus the reason for my argument ). After the balance transfer was completed and I received the letter dated XXXX, I immediately made my third call on XXXX as I said that the letter has different terms than the original offer letter and the subsequent calls I made to Chase to receive clarity of the terms of this offer. In summary, my argument remains as this - I agreed to pay the {$150.00} transfer fee under the assumption that the money would be interest-free through XXXX, as stated in the offer AND there would be no additional interest charges on my new purchases during that offer period, so long as I continued to pay off all new purchase charges each month during the grace period. As evidence of my calls to Chase, I have provided my phone records for these initial 3 phone calls. In the call on XXXX, I clearly stated that the letter I received offers contradictory information than that which was described in the original offer letter and then verbally, in the 2 phone calls made to Chase on XXXX and on XXXX, when the offer was accepted. The reasoning for asking for the {$150.00} refund is that I would NOT have taken advantage of the offer if I had known that interest would accrue on my purchases AND after taking advantage of the offer, I would have immediately retracted if I was properly advised that the interest was going to be charged. After contesting the issue for a few months, I immediately repaid the money to avoid additional finance charges. The fact remains the same, however, that I paid {$150.00} to have the {$7500.00} interest-free through XXXX and had to repay that amount prematurely. So again, I reiterate that I see this as a hook, line and sinker ... .A deceptive offer was made and I took it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: 1. I made student loans during period XX/XX/XXXX-XX/XX/XXXX. After graduation on several occasions I was unable to make payments. Particularly during since mid to late XX/XX/XXXX to this present, I made multiple requests to refinance to XXXX and in the latest years Navient ( took over XXXX ) to obtain lower interest rates available. I was repeatedly ignored through the years and denied the opportunity to refinance and save XXXX of dollars in interest payments. Several times I also asked over the phone and was told I simply " could n't do that '' without any real reason or explanation. 
2. Two months ago Navient decided to change my loan to deferment/forbearance staus WITHOUT my request or consent. After my complaint over the phone and threats of filing a federal complaint, they rescheduled my payments to a lower amount, a whooping 8.25 % interest rate, and now I have payments until XX/XX/XXXX! 
3. In addition, they consider the action described in above item # 2 as a " Consolidation '' and of course they have not applied any of the current interest rates which have been below 3 % for the last 8 years or so. 
4. I request to be included as a plaintiff in CFPB 's current federal lawsuit against XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing statement

Complaint: The XXXX Homedepot collected a payment of {$520.00} via the phone for a recent flooring project and it is not reflected on my card statement. This payment was made after Homedepot charged my account for {$4000.00} plus dollars. The Rep said it was an additional charge that the installer quoted during the job and I had to pay it. In order for the job to be completed, I promptly paid it. They placed me in a very bad situation by not even allowing me a day to sort things out. Although I had paid upfront for the job based on the quote, they suddenly came up with this overage out of the blue. Now, the money has not been applied to my credit card account. I contacted XXXX XXXX, manager at Homedepot, and he indicated that the accounting dept would contact me. I have not been contacted. I will attach my documentation so that you can clearly see that my payment is not reflected. This concerns me and I think someone at Homedepot has mis-applied it to another account or even worse, my have placed the funds in their account.

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