milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Advertising and marketing

Complaint: In a Chase bank office in XXXX, Illinois I encountered Bait and Switch advice from a bank representative in a small office. She talked me into dropping my XXXX card valid through XXXX, 2016 which gave me unlimited use of the XXXX XXXX XXXX XXXX ( XXXX # XXXX ) for {$100.00} per year. My membership card is in my possession. Very soon after that meeting the fee went up to {$500.00} per year. She strongly urged me to switch to a Chase Sapphire card which was free, but no longer associated with XXXX XXXX. This was clearly a Bait and Switch tactic. Now I have a validly dated card but can not use it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I set up an ACH transfer from my XXXX XXXX XXXX account to my TD Bank checking account. on Tues. XX/XX/XXXX. Normally, it takes 2-3 business for the transfer to be complete, but my Monday XX/XX/XXXX, the funds were not posted in my checking account. I contact XXXX XXXX   regarding my transfer and I was informed that there was technically issues and my transfer would not be finalized until XXXX XX/XX/XXXX, but I did not get the funds posted in my account until the following day. Because of the funds were not in my TD bank account within the 2-3 days ; I receive four overdrafts fees from TD Bank. I explain to TD Bank several times regarding my issue, but the bank refuse to refund me the fees because it was not their issue. XXXX XXXX offered to speak to TD Bank directly, but once again the bank refused to refund me the over drafts fees. XXXX XXXX only provided me a XXXX refund back to my XXXX XXXX account for only one overdraft fee. I have made countless attempts to resolve this issue and I have offered to provide my bank statement and/or other documents to show the fees, but both TD Bank and XXXX XXXX refuse to resolve this matter As a consumer, I should not pay for any fees because this was a technical issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2018 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (NY).
Issue: Other transaction problem

Complaint: TD Bank is blocking me from enabling external applications, particularly on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have sent them an identity theft report as well as a police report to show fraud was done in my name. i have sent this information to the company as they requested and they have yet to respond or delete

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Prepaid card (General purpose card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Fraud or scam

Complaint: USAA advertised to me, a veteran of the XXXX XXXX that a pre-paid card would turn into a regular credit card after one year of giving them {$1000.00} and letting them hold it without interest and {$240.00} in fees. 

It did not turn into a regular card even though credit was fixed and they decided to change the agreement. I 'm growing weary of this bank which has been so predatory of military veterans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with CITIBANK, N.A. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: CITI card company failed to delivery my credit card statement to my correct address and failed to send the statement alart to the correct email address. So I did not receive my statement and pay the bill on time. I have several cards with this company and the other cards all have my correct address and email address. I always paid other cards on time. And I had been the CITI cards holder for many years and had been always paid my bill on time. Instead of taking proper steps to reach me after the bill was due, this company sent this to the collection bureau and hurt my credit history. After I found this by checking my credit report, I filed the dispute and paid what I owned immediately. But this company refused to accept my explanation and refuse to fix my credit report and insist to ask me to pay the late fees and interest fees. Because this effected my credit score, this company is also able to prevent me from getting lower interest rate from other company. So I will be stuck with high interest rate with this company for my other cards. This is this company 's on purpose trick to earn money from a loyal customer. I file this complain again to seek justice and correction to 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 03/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have had a loan from XXXX for nearly XXXX years, they sold my loan to navient. now a few months after that my normal monthly payment went from {$190.00} ish to over {$500.00} and I called them to get my payment back down to where I can afford it I get told I can afford it, and then asked if they can help me with anything else. so basically they are extorting money out of me. I can afford the payment I had before but not this high payment. and now with all these marks on my credit that are n't mine I cant even get a load from a bank to consolidate it. if somethings not done ill default on it. I need help! 

and the worst part is I 've been paying this loan for nearly 10 years and I only went to school for XXXX months. and I got nothing out of it. this is so depressing,

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are 3 unauthorized credit inquiries on my credit reports from XXXX XXXX XXXX XXXX  from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize any of the inquiries from those dates.

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 06/20/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Application, originator, mortgage broker

Complaint: I filed original complaint # XXXX on XX/XX/XXXX. I also spoke to Wells Fargo XXXX XXXX in executive office on XX/XX/XXXX who was handling the case. She agree about certain things that were not done correctly and stated they would like to get the loan finalized especially after spending 2 months working on it. And bad and lack of communication from the people I worked with in the application and approval process. They were named in the first complaint. She stated she would call me on XX/XX/XXXX. She did n't call me and I called and left a message. She called me XX/XX/XXXX with XXXX XXXX on speaker phone. Most people have another person for a witness to the conversation and its also XXXX against XXXX. Now other issues came to light. They stated first I need to pay {$4200.00} for escrow and late fees but more important was property needs to be out of XXXX for 6 months. I asked them to show or tell me in writing pertaining to this information. They said it was proprietary information and I would need to have a attorney to subpoena it. They stated it was XXXX XXXX guidelines. Why would n't they be public? XXXX guidelines are public. I specifically asked if it was their guidelines and the told me no. XXXX stated this came from their national underwriters and they know everything. Also CFPB would be able to listen to our conversation. A lie. I told them I was going to make another complaint and XXXX said go right ahead it will come right back to her. First how can she investigative herself? Conflict of interest. If XXXX XXXX guidelines should all be public information. Also her demeanor changed from the previous phone call. From I 'm here to help you to not at all. I told them the people I was working with do n't know the program. XXXX tried to cover for XXXX XXXX and XXXX XXXX stating the guidelines changed since XX/XX/XXXX when I applied for the loan. That 's a lie. Guidelines have not changed. I also told XXXX to use her brain and think of another way to refinance this loan. She did n't like that. They are lying and trying to cover up their employees incompetence. Also feel they came up with this because of the 1st complaint.

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 04-06-2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: DiTech continues to make false statements concerning my account. First, they state that the escrow analysis done in XX/XX/XXXX, at the time of my modification, went up just after I finished making my 3 trial payments, when my taxes and insurance premiums actually went down at that time. Second, in XX/XX/XXXX, a complaint was filed and Ditech responded to stating that there was an escrow overage on my account and an overage check was sent to me. Since I never received a check, I filed an additional complaint to find out why they made a false statement. They then responded that they actually did n't send me a check. I still have not received the overage check. Third, DiTech continues to report me late with the credit bureaus when my account HAS NEVER BEEN PAID LATE. When I served my last complaint in XX/XX/XXXX, regarding why none of my account representatives return phone calls even though I left many dozens of messages and called on a daily, hourly basis to XXXX XXXX, x XXXX, XXXX XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, XXXX x XXXX, and XXXX x XXXX. With all of the calls placed to each of these representatives, none of them ever ONCE answered their line. Many of them would have a voicemail that was full and no message could be left. When I finally did speak to my account representative and others, they always promised a phone call back, never mentioning that there was a " cease communication '' on my account. When XXXX XXXX called me for the first time in XX/XX/XXXX ONLY in response to a CFPB complaint, she apologized and said she would get to the bottom of this and get back to me. I advised and she confirmed that the " cease calls '' was removed from my account. Just as I advised XXXX x XXXX to do MANY MONTHS EARLIER. I was only informed in XX/XX/XXXX that my request needed to be in writing, which I faxed within minutes of receiving this information. It seems as though DiTech is using this as just another excuse as to why my account has been mishandled from the beginning. Again, if they are using the " cease calls '' as an excuse not to call me back, why did I receive a call from XXXX XXXX or even XXXX who actually did call back on a couple of occasions to let me know he was still waiting for the research to come back on my account? This behavior is very suspicious. I also forgot to mention that I sent a fax directly to XXXX XXXX, the Paralegal responding to these complaints to discuss the misinformation that he continues to place in his responses. Of course, I did not receive a call back from him either. Again, due tot the fact that I was trying to work out what ever discrepancies may have existed on my account, and the fact that DiTech continues to report misinformation, they must cease from reporting my account late with the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with NELNET, INC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Nelnet, a part of XXXX, has failed me as a borrower for years and I absolutely support the CFPB in their claim against them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I found in my Equifax credit report my personal information a wrong date of birth. In credit report they have XXXX XXXX XXXX as my date of birth which is inaccurate. My correct date of birth is XXXX XXXX XXXX ( XXXX/XXXX/XXXX ). I want this to be updated as soon as possible. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Dear CFPB, I have graduated from XXXX University back in XX/XX/XXXX with a student loan in the total amount of {$33000.00}. My monthly payments have started in XX/XX/XXXX in the amount ~ {$190.00} per month. This monthly payment amount was suggested to me by the lander and that is exactly what I have been paying for the last 10 years. 
Recently I have conducted an analysis of my loan to see where do I stand with my student loan balance, per Navient 's loan history, as XX/XX/XXXX, I have paid {$14000.00} so far toward the loan or in other words {$14000.00} is the total amount of payments that I have made in the last 10 years. However, I have noticed that my current balance is still at {$34000.00}. So I have decided to contact my lander, Navient, and get a clarification on this matter and hoping this is just a mistake that could be easily fixed. So I picked up the phone immediately and called Navient customer service, and to make long story short, I have been told that, if I continue making these payments FOR THE REST OF MY LIFE, I WILL NEVER PAY OFF THIS LOAN. 
What am I complaining about and what do I need as resolution to this HUGE issue : 1. I would like CFPB to publish this on consumerfinance.gov 2. I would like your help to make Navient apply my {$14000.00} towards my loan principle and not them telling me that all my payments went toward interest since this is how federal loans work Why my request should be fulfilled : 1. This loan payment term was never explained to me. And let me be VERY clear about what do I mean by clear. Back in XX/XX/XXXX, my lander did n't explain to me that if I only make $ XXXX month toward my student loan, I will never pay off my loan and it would stay the same for the rest of my life 2. I have been a great borrow, and I have made my payments in a timely manner for the last 10 years 3. I have worked hard for this money that I have paid so far and it is not fair nor right to tell me today that all of it went into interest Sincerely yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Checking or savings account (Checking account) with KEYCORP (NY).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Ever since my checking account was transferred from XXXX XXXX XXXX to Key Bank I 've had nothing but trouble. 

I admit I have overdrawn my account on numerous occasions and have paid their fees. The issue is Key Bank likes to slip in extra fees. 

This past summer I signed up online with a merchant for a free 30 trial. As is customary the company ran my debit card for a penny. to verify my card was valid. At the time my checking account was a negative balance. The merchant never processed the transaction. However Key Bank posted the transaction for {$.00} and then charged me a {$38.00} NSF fee. 

In XX/XX/XXXX I hadXX/XX/XXXX charge my card {$25.00} on a Sunday. It was a pending transaction on Monday when I deposited the cash to cover the transaction. The following day Key Bank charged me an NSF fee for {$38.00}. I asked the Branch Manager why I was charged a fee and he came up with a very lame excuse that the merchant finalized their transaction prior to me making my deposit. This is an outright lie. Every time my debit card is used as a charge with XX/XX/XXXX it has taken two days to post and clear to my checking account. 

Their latest ploy is to hold my deposits for 5 business days. I have never had an issue with checks that I deposit being returned so why would Key Bank place a hold on my checking account? By limiting my ability to make deposits only provides more fees being earned ( stolen from me ) by Key Bank. I pay bills throughout the month and to know that Key is going to hold my deposits only benefits Key by taking more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Incorrect information on your report

Complaint: I am filing a complaint on Ocwen Mortgage. On XX/XX/XXXX my ex-husband, husband at the time, and I purchased a home through XXXX XXXX for {$70000.00}. On XX/XX/XXXX we sign paperwork to sale the home with assumption through a lawyer to someone else for {$67000.00}. We asked the attorney at the time if we would still be financially obligated on the home and he stated that this would release us from financial obligations. XX/XX/XXXX, I found this company, Ocwen Loan Services, on my credit report. Since I never heard of the company I thought I would give them a call. I spoke with XXXX XXXX, Agent ID # XXXX, who told me that I was not authorized on the account. When I told her that they were on my credit report which gave me authorization on the account, she asked for some personal information to confirm my identity. She was then able to find my name in there system along with my ex-husband. XXXX XXXX stated that we were still financially responsible for this home/loan. She could not explain to me why we were still on the account, so I requested someone who could. I was then transferred to XXXX XXXX, XXXX ID # XXXX, Escalation Manager. XXXX XXXX researched the paperwork and stated that she did not know if the assumption was completed or not, but she did find the assumption paperwork and did not know what type of assumption it was. I asked XXXX XXXX why my ex-husband and I were still on the account when he nor I had no knowledge of it. I also stated to XXXX XXXX that even if we were still financially obligated, unbeknown to us, our financial obligation would have ended in 30 years, since it was a 30 year mortgage. Therefore I wanted to know why this information was showing up on our credit report after 30 years when it never showed up before now ( Of course when I informed my ex-husband about the account, he had no knowledge of it. He then checked his credit reports and found the Ocwen Loan Services were on his credit reports as well ). Our 30 years would have ended in XX/XX/XXXX according to our initial mortgage note. Therefore why is it showing up after all these years for the first time in XX/XX/XXXX. Since we sold the house with assumption in XX/XX/XXXX according to our paperwork, why is it showing up on our credit report with a balance of over {$43000.00}. We never signed anything other then the Sale with Assumption in XX/XX/XXXX. XXXX XXXX stated she did not know what was going on w this assumption and she would have to send the paperwork to the Loan Department for them to review and they would get back to me. Currently I 'm still waiting. If there is anything we can do to clarify this issue, please let us know. Whenever we talk to the company we always get a different person and end up with the same conclusion, no one knows what 's going on with this assumption and we are not authorized on the account. But we are still financially responsible for this loan according to Ocwen Loan Services.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NC).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Td Bank is not updating my bank status to the apps I have connected to my account. In particular, XXXX. I constantly have to reconnect the bank, and they almost never send reports to the app

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On XXXX XXXX XXXX I Entered in to contract with XXXX XXXX XXXX XXXX of XXXX Arizona to remodel the master bathroom in my home in XXXX XXXX # for XXXX XXXX handling the project is XXXX. The dollar amount of the contract is {$15000.00} and work was scheduled to commence on or about XXXX XXXX XXXX and scheduled for completion XXXX XXXX XXXX contract contains a binding arbitration agreement and the full XXXX of the contract was set up on a Lowes Credit Card XXXX XXXX paid over 84 month period at 8.9 % interest.I made my first payment as billed by Lowes in XXXX of XXXX XXXX I have made 4 payments and am current on payments.The problem is Lowes is not performing XXXX work as scheduled. They did not start work until XXXX XXXX and due to workmanship problems stopped work on the XXXX of XXXX to switch subcontractors. and thus far have completed only the demolition portion and a small portion of the actual installation They have not done any work since and my calls to Lowes only results in promises that have not been kept.I dont think its right for me to be paying interest payments on work that is no where near completion.They have no incentive to catch up and get on schedule.As a consumer I can not seek legal assistance with a binding arbitration agreement and a threatened lien on my home I am defenseless against their glaring contractual default

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 06-02-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent and are proceeding to sale set for  X/X/17    - the lender is in violation of regulati on X-12 USC 2605 ( e ) ( 1 ) and t he clients right to counsel.

Company response to consumer: Closed with explanation