milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Account opening, closing, or management

Complaint: I 've been trying to get a modification since XX/XX/XXXX through Bank of America. Excuses after excuses and I know that I 'm qualified. This last attempt to modify my mortgage their answer was " We ca n't Identify you with the mortgage ''. What does that mean, I asked and they had no answer for it. I have tried over and over again and I think they just want to take my home and I 'm going to fight for my home of XXXX years. I 'm recovering from a house fire in XX/XX/XXXX and was out of my home for XXXX months only to come back and Banks of America says the want me out. Loan # XXXX XXXX XXXX XXXX see do n't this verify me with the property at XXXX , Kansas XXXX. Please help me keep my home! Help me fight Bank of America. Thanks in Advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: #NAME?

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Billing disputes

Complaint: I was scammed by XXXX ; they claimed to have a trial of their eye serum ( to eliminate under-eye bags ) ; the trial was for {$4.00}. I agreed to that charge, and that charge only, and received the product, XXXX. The product did not work at all ; I never ordered it again and I never " subscribed '' for it. Weeks later I see {$270.00} on my credit card statement. I never, ever agreed to these charges ; the product is worthless. I told my credit card company ( Chase Card Services ) to take those charges off, which they did -- initially. I responded to them for each information request. I researched XXXX and found that they have a grade of F from the XXXX. There are also numerous complaints on the Web about this company. There is no way I 'm ever going to pay for these bogus charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2016 about Consumer Loan (Installment loan) with MIDCOUNTRY FINANCIAL CORP (WI).
Issue: Problems when you are unable to pay

Complaint: I lost my job in XX/XX/XXXX and was unable to make payments on my loan. I obtained a job in XX/XX/XXXX and made one payment right away. XX/XX/XXXX my daughter was sick so I was off work for a short time. I was unable to make a full payment for XX/XX/XXXX. I offered XXXX $ one week, XXXX $ the second week and did not hear back from them until the sent me a default letter in the mail. The manager emailed me today and stated that I had not offered a viable payment and that because of that they would garnish my wages. I am attempting to pay what I can until I either gain a XXXX job or get back on my feet and can make the larger payment in full once a month. I explained to her that had she taken the smaller amounts it would have added to the larger payment but no response. She has not sent anything to court to be legally able to garnish my wages. I am attempting to offer smaller payments but they are not being accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Student loan (Private student loan) with HEARTLAND PAYMENT SYSTEMS INC (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am a full-time XXXX University student, currently enrolled in classes, and will graduate in XX/XX/XXXX. I hold two private student loans from XXXX University totaling an amount of {$7000.00}. My loans are serviced by XXXX XXXX. 

On XX/XX/XXXX, while on winter break from XXXX and while enrolled full-time for spring-semester classes, with no break in my enrollment, I received an email from XXXX XXXX indicating that a new billing statement had been generated for my student loan account with them ; I assumed this was standard procedure, and that pursuant to the terms of my loan with XXXX I would not be billed until after graduating certainly not while enrolled full-time in classes. 

Roughly one month later, on XX/XX/XXXX while back at school from winter break, and actually physically taking classes full-time, I received another form email from XXXX XXXX indicating that my student loan account was now past due. I called XXXX the following morning, and after waiting nearly an hour to speak to a customer service representative, I was told that " the clearinghouse hasn't sent us information that you're in classes yet, so you should talk to your school. '' I repeatedly asked for clarification, as I didn't understand what the customer service representative said by " clearinghouse, '' and the representative simply repeated the same answer each time until I gave up attempting to gain more insight from them and hung up. 

I emailed my financial aid advisor at XXXX on XX/XX/XXXX, asking them to please help me notify XXXX that I'm enrolled full-time and shouldn't be charged, and have received no response. 

Last week, on Wednesday, XX/XX/XXXX, my parents received a bill in the mail for {$150.00}, which indicated that my account was " past due '' and that this amount would have to be paid by XX/XX/XXXX, to bring my account back into good standing. To be clear, again : I am enrolled full-time in classes at the institution which has given me this loan and am explicitly not expected to make payments while enrolled full time. XXXX has given me no way to indicate this to their satisfaction, and now I am afraid their negligence may negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Rewards

Complaint: BBVA Compass is not honoring its credit card contract with me, regarding points given for purchases or any ability on my part to modify my point selection. Due to an IT problem, the credit card website is totally ineffective. I have called them repeatedly, written emails, complained at the local bank branch and spoken to a variety of supervisors, but no one seems able to correct this problem. The credit card is worthless to me if it is n't doing what it agreed to do. I should be able to change which purchases I make earn the most points, but I ca n't. I should be earning more points for certain purchases, but I am not. All purchases, regardless of my choices, earn XXXX point per dollar. This is faulty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In the first week of XXXX 2014, I paid ERC XXXX dollars for a XXXX phone bill over the phone with a debit card to my bank account.In addition ERC charged a fee in excess of that amount to pay them.not for expedited service but to simply pay my debt. 
Even though the fee was less than XXXX dollars, ERC DOES NOT DISCLOSE this total amount paid on my credit report.The reason they fail to is that " pay-me '' fee is illegal according to CALIFORNIA XXXX FDCPA.IT WAS ILLEGAL/FRAUDULENT TO CHARGE ANY FEE THAT WAS NOT EXPRESSLY DISCLOSED IN XXXX ORIGINAL CONTRACT.Additionally they have verified to XXXX and XXXX that the account is paid in full not in excess of paid in full and do not disclose the amount actually paid by me,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In short order, Navient whom is servicing the loan has shared with me that the interest rate is variable and should be 2.5 % + Libor reset monthly. However they are and have been charging my Dad and me 9.625 % per annum ( calculated at 360 days ) and can not explain why. As such, we have been overcharged for 5 years and asked that they go back and deduct the overpayments each month from principle. As you know this would have a snowball effect given the compounding at a significantly lower interest rate and lower principle. Simply put they have 1 ) put us on a indefinate hold 2 ) told us they can not help 3 ) do n't understand the interest rate and thus will not take corrective action. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt doesn't belong to me, company put in on my credit. Never had a XXXX account before. I asked them to remove it, they still have it on my credit.

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 02/20/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (KY).
Issue: Fraud or scam

Complaint: I requested to buy bitcoin with coinbase. They got my information verified then requested bank transfer, I granted permission for transfer of {$2500.00}. As soon as the money was transferred ( about 3 days ), coinbase locked my account, claiming birthdate I provided indicated that I was XXXX years old. I have contacted customer support several times with the same results, lame excuses and empty promises. Customer support tells me that someone will e mail me to help resolve my problem. Its now been almost 3 months with no resulotion.They tell me dont keep contacting them or it will take longer so I havent contacted them in over a month but I dont think this approach is working either.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting address information that do not or never belong to be. Please assist me in getting the following address information removed from my credit file : XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Business checking account ending in XXXX was closed by Wells Fargo on XXXX XXXX, 2017, after fees levied from my old merchant 's account ( case number XXXX ) caused this account to become overdrawn on XX/XX/2017 ( per letter dated XX/XX/2017 ). The fees included a non-compliance debit for me reportedly failing a test by a third-party vendor ( XXXX ) for using another third-party vendor 's ( XXXX ) site to process payments. Both companies, including XXXX XXXX, are included in the merchant services provided by Wells Fargo. I was not aware of these three third-party vendors, in addition to the Wells Fargo site, until after signing a contract for said services to which I consider predatory in nature as compared to other merchant services providers whose service is dramatically streamlined into one site. My old account has been reported to XXXX XXXX XXXX ( per their letter dated XX/XX/2017 ) which will make it difficult to open another checking account. Still receiving unwanted and annoying emails and letters from their 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 monetary relief
Consumer complaint received 11-09-2017 about Debt collection (Other debt) with Halsted Financial Services, LLC. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A company has called me from Halsted Financial regarding a debt which I did not take out it was fraud, someone used my name and social. This debt is some kind of future bill in XXXX I did file a police report in XXXX but now live in XXXX and can not obtain a copy of it but it is filed and if needed they can contact the police department. 

This is NOT my debt

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX I authorized {$100.00} debit from XXXX XXXX XXXX. On XXXX XXXX I lost my debit card which I reported lost and CitiBank declined the debit I had authorized. That same day I called Citibank to explain that I had authorized the debit from XXXX XXXX XXXX. Citi bank proceeded to debit my account but the funds where never transfer to XXXX XXXX XXXX. I have place several calls where Citibank states that the claim is under investigations after 2 months and many calls I when to the financial institution located at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. I found out that there was not an investigation opened and there was never one opened to begin with. All this time the information they had provided me over the phone was misleading and false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was purchased by Shellpoint Mortgage Servicing in late 2016. My mortgage was set up with an escrow to handle tax payments. The first tax payment was due XXXX and that deadline was missed by Shellpoint. Note that the tax payment due was {$23000.00} and the amount held by Shellpoint already in Escrow is {$34000.00} so there is plenty of my money to pay the bill already deposited. Due to being late that tax payment due has increased to {$24000.00}. I have called Shellpoint several times ( dates may be 1-2 business days off ) XXXX, XXXX, XXXX, XXXX. I have been apologized to each time and they say things have been " escalated ''. I have been told it will be resolved in 7-10 days ( XXXX call ), check is scheduled to go out XXXX ( XXXX call ), and now no one knows what 's going on as none of these things have happened. I have asked to speak to a supervisor multiple times and was successful only once - with a gentleman named XXXX. He was professional on the call & promised to get it taken care of and said he would call me back the following day - the call back never occurred and I was just told by another customer service person my payment would not be going out today as the tax department is now closed for the day. XXXX has been unavailable to speak to me all day today when I 've asked. No other supervisor is available either when I ask. No one can answer if my tax bill will be paid and when, despite Shellpoint having over {$34000.00} of my money set aside for exactly that purpose. If not paid by XXXX there is another penalty raising the bill to {$25000.00}. I am now getting overdue payment notices to my home and also solicitors contacting me to give loans due to my overdue tax status.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Payday loan () with CNG FINANCIAL CORPORATION (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I have made several online loans with this lender. My most recent loan in the amount of {$1500.00} will be due on XXXX XXXX. Normally I login to their website and refinance the loan, pay down the original loan by 50 % or more. Today I tried doing the same as with my previous loans and was denied the opportunity to refinance?? This came as total surprise. I have never been late or ask for any type of assitance in repaying one of their loans. There is no way I can repay the entire {$1800.00} next week. Is this some type of setup on their part to create more finance charges and or late fees? I have attached a copy of the loan document, denial form, and loan history page. They may also being pulling a credit report each time I apply for a loan or request to refinance by paying additional money down.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a dispute with Equifax on XXXX XXXX, 2016 though the fax number they provided. I have waited for the file to show the items I disputed to be in dispute but upon calling them they are telling me they received my cover letter and the last XXXX pages of my dispute which are my identification and utility bill, which is convenient for them as they do n't seem to find the actual letter of dispute. I have also uploaded the dispute in their online dispute and they have not even acknowledged my dispute. It will be 30 days on XX/XX/XXXX with none of the accounts and personal information that is reporting inaccurately on my credit file being in dispute. I have attached the original letter sent on XXXX XXXX that they have indeed acknowledged was sent and they received.

Company response to consumer: Closed
Consumer complaint received 04-02-2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have in the past dispute collection agencies derogatory remarks on my credit report. They have been removed and keep reappearing on my reports. These remarks have been removed from XXXX, yet after requesting them to be removed from equifax and XXXX they still remain. This is preventing me from obtain my mortgage loan. I think the XXXX credit bureaus should be communicating and reporting the same information. Or dissolve them to XXXX national credit bureau, as this is very time consuming to work with XXXX bureaus to clarify my credit information ... .PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Student loan (Non-federal student loan) with KEYCORP (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: A while back, this company threatened myself, and my father verbally, stating that they were going to come after us and take away my fathers house. The man on the phone who refused to identify himself at the time also stated that he would make sure that I would be held responsible for not making the minimum payments which were too much for me to make at the time. I offered to send a lower amount in and he said that they would not take it. He went on again to say that he would make sure that they got their money if it meant taking my fathers house.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Credit card debt) with U.S. BANCORP (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: My last payment on an old credit card issued by XXXX XXXX XXXX XXXX now US Bank and now sold as debt to XXXX XXXX, was in XX/XX/XXXX making this debt passed the 6 year statute of limitations for debt collection in the state of Oregon where the credit card agreement/contract was signed. However U.S, Bank claims my last payment of {$1900.00} was made on XX/XX/XXXX, more than 3+ years passed my real last payment. Even more confusing, the debt collection account at XXXX XXXX was started on XX/XX/XXXX,  according to XXXX and XXXX. This doe n't make any sense. I have my bank statement from XX/XX/XXXX-XX/XX/XXXX and it shows no payments or deductions for anything near that amount or any cash taken out that would cover a payment like that. I did not make this payment. I believe it to be a shadow payment put on the books by US Bank to illegally extend the time limitations for almost 4 extra years. I called U.S. Bank recovery department 4 times, they have my account information. They REFUSED to provide me with any details of my payment history to prove that the {$1900.00} payment was a sham. They went as far as telling me that they where in no way obligated to provide me any information on my account about payments because I was no longer a customer and because the debt was sold. Now XXXX XXXX is now both buyer and assignee, which is also illegal. This debt is way passed the real statute of limitations time limit and the collection company refuses to remove it from my credit and the bank refuses to give any payment information to validate the debt, which is also illegal.

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 07/15/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Company LVNV Funding is attempting to collect a debt that was discharged in bankruptcy back in XXXX

Company response to consumer: Closed
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (CA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I just simply want to place a Credit Security Freeze with Experian and it is impossible! I have an account with Experian and I am properly identified. I can access my credit reports and so on. However when trying to place a Security Freeze on my credit is like they do n't know me and the service is not being offered at the same web site as I regularly log-in to access my credit report. Nevertheless and after providing all reque sted information the web site responds with " We can not process your request '' you have to send proper ID thru mail ''. That is crazy and defeats the whole purpose of trying to place a credit freeze. I will never send that documentation via mail because is not secure. They offer another service to upload the documents online and it also fails even though I follow carefully the instructions. They are useless and they should be banned as a credit monitoring agency!

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