milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/17/2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home loan with M & t bank. I 've never been late. Even now. 
Part of my loan had a requirement that I open an M & T bank account and the loan payment is pulled from there into the loan. 

For XXXX yrs I 've had an automated transaction from my XXXX XXXX account to move {$580.00} into my M & T account. The loan payment is about {$570.00}. 

I always check my digital email receipt of the wells transaction and my physical loan mailing update to make sure all is ok. 

A week ago, M & T calls me to tell me I have overdraft charges. I assumed my automatic transfer of {$580.00} from XXXX XXXX to M & T failed. But it worked and my loan was paid up to date. I asked " how do I have an overdraft then? ". Them " well you did n't pay the fee '' Me. " what fee? 

Basically, they created a {$15.00} " under {$500.00} '' fee on my account that I was required to have. They may have sent snail mail to me but I have a XXXX ratio of junk mail from them so I only read my mortgage mail. My mortgage was up to date. 

I had been paying {$2.00} more a month and they took the fee out of that. When that was all taken they gave me an overdraft of {$80.00}. They say they ca n't refund it and I owe them {$5.00}. They " changed '' aka fixed my account so I is only for transfers but they ca n't " undo '' {$80.00} fee. Working with databases and CC transactions I know that is a complete lie and it 's just a rule to screw over customers. 

I have never been late. I want my money back. 

I was paying them on time for XXXX years. They make a profit off that. They charged me a fee on an account that I was required to have ( profit on profit without extra work on their side ). They did n't properly alert me to the fee ( not thru email possibly hidden in junk snail mail offers ). They took my money and then fined me for the unpaid fee that I was n't alerted about on a required account for a profitable transaction. 

Again, I have never been late. I have never used that account for anything other than my loan transfer. 

What can I do? They said a manager would call me back after they called back and told me my request was " declined ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have asked for two years for this information to be updated and its not. Also my score needs to be recalculated as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NM).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Hello, Our earned AMEX Rewards points were taken from our Rewards Account and our Rewards Account was closed due to an accidental cancellation on XXXX/XXXX/XXXX of our card ( which was reinstated within a day or two ). I noticed there were no rewards points on our statement and called AMEX on XXXX/XXXX/XXXX ( and possibly before this date ) when I was told they would be reinstated and I was lucky to catch it before 30 days from accidental cancellation. I also asked for credit of the points accrued since XXXX/XXXX/XXXX and they were unsure as to those being eligible for credit of points. At this time I was told we had over XXXX points earned and XXXX or so accrued. On XXXX/XXXX/XXXX I called again and asked for the points to be reinstated. According to AMEX the call was incomplete because it ended before all the disclosures were made. AMEX never tried to call me back, nor did they send a notice. I thought the call was complete. On XXXX/XXXX/XXXX our earned points were swept out of the Rewards Account and the Account was closed.- I was not aware of this until XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called again and was told points were gone and they would check into it. 

Today, XXXX/XXXX/XXXX, I spoke with the " Supervisor of Membership Awards '', XXXX, employee # XXXX. XXXX confirmed the above dates and was unwilling to consider my request for reinstatement of earned rewards because the XXXX/XXXX/XXXX call was " incomplete '' on their end even though her notes did indicate the request for earned point reinstatement. She said after the points are swept there is nothing they can do and my complaint/request was closed. She said there was no one else for me to talk to since Corporate closed it. 

Attached are email confirmations after each inquiry ( the XXXX call was dated the next day but AMEX confirmed it was XXXX ). We are a small business and we count on the rewards points to cover expenses. To our company this is a significant problem. It was n't until my call on XXXX when AMEX informed me that I needed to open a new Rewards Account in order to accrue points for transactions from that point forward. No one informed me prior to that I needed to open a new account so we missed credit for everything since the original earned points were taken. 

I do n't believe customer service in the Membership Rewards group is interested in giving back points and wonder if there is incentive to do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STATE FARM BANK, FSB (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: State Farm reported a 30 day late in XX/XX/XXXX. I made a online payment for this account on XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX payment State Farm never withdrew due to " technical error it appeared '' I was told. I then paid the vehicle off since they refused to remove the late payment. I was going through the purchase of a vehicle at the same time and was NEVER notified of any late payments. The first notice I received was after the fact dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: This would be the second complaint I have against Chase in a one month period. There have been a total of 3 for the year and we are only in XXXX. 
I was considering signing my children up for an after-school program so I started filling out paperwork. There was miscommunication and they withdrew the registration fee ( XXXX ). I realized they took it and immediately called Chase. I had other things that would be coming out of the account and knew this would cause the account to go into the negative resulting in overdraft fees. The agent I spoke to advised me to call the merchant and have them refund the money. She also told me that once the fees were charged to the account to call and they would be able to reverse them. I told her they have told me I 'm no longer eligible for the courtesy fee reversals and she advised me that this was a different situation. That because of a merchant taking funds without authorization, it was not my fault the account would be negative. I asked her to write a note in the account since in the past I have been told one thing but then told that other person was wrong. That is the main problem I have been having with this bank in the past year. The agent assured me she was notate the account and there would not be an issue. 

Well ... there is an issue now. Chase refuses to refund the XXXX overdraft fees that I was charge because of this situation. They also told me nothing was notated in the account. So Chase gets away with charging me another XXXX over miscommunication with a merchant. The merchant took the funds on XXXX XXXX and refunded them on XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: On XX/XX/2018 I authorized a wire transfer in the amount of {$1400.00} from my bank, XXXX XXXX, to the merchant bank for CoinBase, XXXX XXXX XXXX. I've confirmed the money was received at XXXX XXXX  on the same day and I've been providing CoinBase with the confirmation IMAD number for that wire since last week. They have yet to credit my account for the wire. I get XXXX response from their customer support except to be told that my complaint has been passed on to a specialist and elevated to critical status. That was last week and I have yet to hear from any specialist. At this point I'm considering the money stolen by CoinBase, and I have initiated a claim with my bank. But they have said since I authorized the wire, they will have a hard time resolving the issue to my satisfaction. That is why I'm writing to you. I've also reached out to a law firm that is coordinating a class action against CoinBase so that I can be included. 

I am not the only one complaining about this. A quick XXXX search or scan of the website XXXX will unveil a plethora of similar stories, many involving much larger sums of money. 

Please do the right thing and hold CoinBase accountable for this negligent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I settled a XXXX XXXX account for less than owed and was sent a XXXX. This company should no longer be on 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 non-monetary relief
Consumer complaint received 03-03-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Equifax PXXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), XXXX U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery keeps calling using so far XXXX different spoof phone numbers with different state area codes. They usually hang up as soon as I pick or wo n't leave a voicemail. I am not sure what debt they are calling about but I am feeling harrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am livid that XXXX charged me {$10.00} on XXXX/XXXX/XXXX to put a credit freeze on my account. Not only did their onsite web page tell me that my information had been compromised, but, they charged me for this action which I had to take due to their own negligence and unacceptable lack of proper security. 

I tried calling to complain, but the did n't answer, even after waiting for an hour. 

I paid the {$10.00} since I already have a suspicious credit request, and am very. very worried about this. 

In addition, I spent hours today trying to get fraud alerts and credit freezes on all three credit bureaus with mixed results. 

None of them let me add fraud alerts, and calling them was hopeless. 

Transunion 's customer phone number asks for a lot of information by an automated voice attendant, then hangs up. 

They want me to mail in a form - and, this situation is happening now! 

I do n't know what you can do to bring XXXX and its executives to account for this.

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 07/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Harassing and threatening phone calls daily from this law firm. violation of all FTC regulations. I have been discriminated during phone calls with this company. called XXXX person. false billing and criminal tactics. false accounts which i do not owe nor responsible for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian continues to report inaccurate information on my credit report in regards to XXXX XXXX XXXX. I have submitted a request for re-investigation with this credit reporting agencies and this is my third attempt to get this inaccurate information removed from my report. The date the account was opened and the original amount of the debt is inaccurate as the debt was incurred in 2011 and the original amount was {$510.00}. This inaccurate information has caused adverse actions for me in terms of receiving credit and services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am contacting the CFPB for urgent help in dealing with my mortgage company, SPS. I have been attempting to get a loan modification since I was current in XXXX of XXXX when I knew I wouldnt have the money to make my payment. Because I was current, I was denied ... I fell behind from there not being able to work due to being self employed and out for proven medical issues and XXXX. I was denied every few months from XXXX through as recently as XXXX XXXX. All stating I do not make enough money or I make too little money. I went online and completed an XXXX from XXXX and it came back may be eligible. I resubmitted a complete modification on XXXX/XXXX/XXXX and I was told this was not received. I refaxed and emailed the submission XXXX which my documents did not start getting uploaded until XXXX and I was then told today because there was not 10 days before the sale, they can not help me and I will lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I reviewed my credit report in XX/XX/XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Ad Astra Recovery. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. This letter was sent XX/XX/XXXX and I have not received a response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX XXXX, I sent a letter to Experian requesting that they investigate errors on my credit report. Today, almost 60 days later, I received a response from Experian stating that my request was suspicious, and they refused to conduct an investigation. They gave me a phone number to call to confirm my investigation request, but I could not reach a live operator unless I purchased XXXX of their credit products from their web-site. I am attaching a copy of the letter that I sent to Experian. You 'll be able to clearly see there is nothing " suspicious '' about my request. My letter is straight-forward, and I even included a copy of my license and social security card to verify my identity. I just think Experian is trying to get out of doing my investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07/28/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to modify mortgage with Ocwen Loan Servicing LLC for 13 months. This mortgage claims, I have not submitted all the documents that was requested. Once documents are submitted that was requested. They waited over 30 days and request the documents to be resubmitting stating the documents need to be update or would request additional documents. 
I have even gotten assistant from New Jersey XXXX XXXX, they have submitted the documents on my behalf and they gotten the same result I have gotten. 
I have contacted my NJ XXXX and The NJ Attorney General Office informing them of the practices that Ocwen Loan Services , LLC is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I could not continue making payments to XXXX XXXX XXXX XXXX XXXX NE XXXX in XXXX XXXX. I called them and made arrangements for the vehicle to be returned. XXXX XXXX XXXX reported a " charge off '' of {$11000.00} to Experian. XXXX then sold the debt to a third party ( XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. ) In XXXX XXXX I contacted XXXX to pay off the debt. XXXX referred me to a third party collector XXXX XXXX XXXX ( XXXX ). I contacted XXXX and we agreed upon {$7700.00} to settle the debt, and I overnight mailed XXXX a cashier 's check. 

Now the problem : I obtained copies of my credit reports from all XXXX credit bureaus and the debt remains showing as a " charge off. '' XXXX says they wo n't report this account as " paid '' to Experian, that it is XXXX 's responsibility even though XXXX is mentioned on the credit report under XXXX 's Name. XXXX says they wo n't change the status. I have disputed it with Experian three times and submitted proof of settlement and payment, but Experian refuses to accurately update the credit report. 

I submit that : one, when XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX, the debt ceased to be a charge off and that XXXX should have changed to status from " charge off '' to " debt sold '' ; two, once XXXX was informed by XXXX that the debt was paid/settled, that XXXX must change the status on the credit report to " paid/settlement '' ; three, that since proof of payment has been provided to Experian three times and that this inaccurate information on my credit report has been disputed three times ( and that XXXX and XXXX both acknowledge that the debt is paid, ) that Experian must change the credit report status from " charge off '' to " paid '' or " settlement. ''

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 12/19/2016 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to resolve a 30 yr lien that Suntrust acquired through XXXX. I am due to close on the sale of my home tomorrow but will not be happening due to no response from Suntrust. They tell me I am not able to speak to anyone in that dept and when I ask for a manager they hang up on me and I asked to speak to someone in their legal dept I also get hung up on-This should be against the law that a company can keep a lien against your property from XXXX owners ago and refuses to acknowledge and keep me from selling my property.

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX , I entered a 60 month lease agreement with Wells Fargo Auto Lease Exchange on a   XXXX   XXXX   XXXX    Never late on payments. Lease end date was scheduled  XX/XX/XXXX . My last payment direct to WF was XX/XX/XXXX  On  XX/XX/XXXX , my auto insurance paid off the book value of the vehicle after I encountered an accident due to an ice storm.. insurance claim paid WF full amount of their payoff request   XXXX    plus the   XXXX   I had already paid in 60 months of lease. Now, Wells Fargo is reporting me as a charged off credit card fo {$25000.00} on   XXXX   as of today and. Charged off installment loan for {$25000.00} on  XXXX  as of today! The company that I leased from on XX/XX/XXXX  called WF Lease Exchange and have been out of business for years! Wells Fargo Bank is reporting these fraudulent damages to the bureaus which has prevented me from getting an auto loan for more than 5 years now after I paid the lease agreement terms on time fr om  XXXX  to   XXXX  and they were paid the deficit of the vehicle value by my insurance company! Total they were paid over 35,000.00 for a   XXXX   XXXX   XXXX  r in less than 5 years and have been reporting charge off and passed due credit card installment accounts since  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 non-monetary relief