milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Other fee

Complaint: I used Merrill Lynch travel services to book my XXXX trip using my credit card and did not note any penalties for changes on their website or tickets. In addition, my eticket receipt did not arrive with any change fee disclosures. I needed to change my return location from XXXX, XXXX to XXXX, XXXX, which is also the city that I should be flying in to, but when I called the travel center they informed me of all these change fees that included a {$270.00} airline per ticket fee and their service fee of {$30.00} per ticket. Even though the total price is now lower than what I originally paid for ( {$810.00} compared to {$1000.00} ) they will not refund me the difference or apply the credit to the airline penalty fee. They blamed the airline for these fees and for not refunding me the difference, so I called XXXX and they told me that they were not able to help me because I did not purchase the tickets with them. I asked about the price difference and they said that the ML should take care of that for me. I called them back and they said no and that they could only waive their {$30.00} change fee. I was not appropriately disclosed of these terms and would like to see a change without any penalties or a full refund. It appears that ML is engaged in the travel business without clearly disclosing the fees to its customers.

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 02-11-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX I had to file a personal bankruptcy ( due XXXX bankruptcy filing ). Bank of America ( BOA ) listed my personal home mortgage as a charge off on my credit reports. ( Only XXXX credit cards used for my business were included in the bankruptcy filing. ) Twice I contacted the BOA credit department who informed me that I had never missed a payment, nor had I ever been late on a payment and that the credit report would be changed to remove the charge off. Both times subsequent credit cheks revealed the charge off had not been removed. Another BOA department informed me that I had not signed a letter of reaffirmation within 30 days of my bankruptcy filing. Neither BOA or my attorney informed me that this was required or might be required. BOA said the reaffirmation signing was a company policy, not a law, and still refused to remove the charge off from my credit reports. I have always maintained a pristine credit rating my entire life and find their policy to be extremely unfair.

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 01/23/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (UT).
Issue: Money was not available when promised

Complaint: I withdrew {$340.00} from coinbase on XX/XX/XXXX and have not received it. I have submitted a case to coinbase on XX/XX/XXXX and still have not heard anything

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Making/receiving payments, sending money

Complaint: I have an equity loan with USAA and set up an automatic payment from a USAA account. On XXXX XXXX, I see in BIG RED LETTERS that my account is overdue. I am a XXXX veteran who has NEVER had a payment overdue by one minute much less than three days. After calling USAA, they tell me their system is down. However, that does not resolve that my account is over due. I made a manual payment and yet it will still and always be reflected as overdue. Furthermore the bank was of the mind that it was no big deal. That they can not fix a computer error at the snap of their fingers, their words. This is huge. While it wo n't affect my credit and I paid before any late fees were assessed, it will show 1-30 days late and has already attacked my integrity. The BIG RES LETTERS did not say we have a an issue and will make payment .. it said that the account is overdue

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: i have a fraud alert placed on my Equifax credit file that i have no knowledge about. I disputed the alert with them and was told that my file has no freeze or alert on it when it fact it does. I pulled my credit file today and i attached proof of my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Payday loan () with Ad Astra Recovery Services Inc (TX).
Issue: Received a loan I didn't apply for

Complaint: The opened date for this alleged debt with Ad Astra Recovery is XXXX XXXX, 2012 - The Statute of Limitations for Texas is ( 4 ) years and their still attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I owed XXXX private student loans with XXXX XXXX XXXX totaling around $ 124k. With that and other debt i chose to go through a chapter XXXX bankruptcy in XXXX officially discharged XXXX. It was negotiated that they would reduce amount owed to $ 60k, no interest, and $ XXXX for 236 months. It was not reported to the credit bureaus. My father died XXXX XXXX, I forgot to add the payments to my new budget for the year. I never heard from XXXX what so ever, then in XXXX their attorney representation contacted me threatening lawsuit. I communicated with them and they agreed to reinstate the original agreement. " start over ''. i have been making payments. I tried to apply for a consolidation loan for bills today XXXX XXXX, XXXX. I was informed that Transworld System Inc a collection agency was reporting the loans as in collections. TSI also has not communicated with me in any ways. I need it removed from my credit report immediately. It is destroying my credit to the point I am unable to use the VA Home Loan option I served my country for. I also am unable to get any loans including auto loans. Please help me. I am XXXX years old and have XXXX daughters. I believe I deserve to have the " American Dream '' please help me figure this out. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have exhausted myself at all levels trying to get an inaccurate collections off my credit that is causing me denials for loans. To start, I have only 2 open student loans with, XXXX XXXX. However, I have to complaints that needs to be addressed ; First, XXXX which does not have possession of my loan is still being reported in a derogatory manner and the same loan is now with XXXX too. Creditors are seeing a total of 4 loans when there is only 2 because they have different account numbers. 
I request that XXXX remove the negative information thats being reported because again my loans are with XXXX and in good standings and not due until XXXX 2018. 

Second issue is that XXXX XXXX have a status on my report that says, Student loan assigned to government which my lenders views as a negative situation where as Im in financial trouble with the government and this is so misleading. I want that comment removed and my account showing current as it should.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I recently applied for credit and found I was denied because of some issues I had with Nationstar Mortgage back in XXXX. I 've always paid my mortgage and never had any issues until I had to deal with Nationstar. 
I had a mortgage with XXXX taken over by Nationstar Mortgage back in XXXX. With XXXX I paid my own taxes and insurance. For my taxes I was late a few times but I always got late fees and taxes taken care of. But never any problems with XXXX for 10+years. My first year with Nationstar, independent of tax issues, was nightmarish. I was sending 1/2 my mortgage payment in every two weeks to pay a little early because I read that this reduced overall cost of loan. I did this with other banks and never had issues ( if there was I could always resolve over phone ). But Nationstar could n't handle it and they kept threatening me with collections and charging me fees, regardless of how many times I worked it out over the phone with their agents. Then they assumed my tax and insurance responsibilities. I was able to block them on taking over insurance payments and I continued to make payments on taxes but they ignored this and would n't figure any of my tax payments into their bill. They also continued to send me erroneous bills. In XXXX of XXXX I wanted a correct statement before I would pay because it kept changing. Meanwhile I went ahead and finished paying off my taxes hoping to get a correct statement from Nationstar independent of taxes ( I do n't recall receiving a correct bill from them for the entire year of XXXX and my bill went up considerably when they assumed my taxes and it changed on multiple levels during the fall of XXXX ). Needless to say it was a very difficult and confusing period with them and I pleaded that they send me back to XXXX, Nationstar was making my life XXXX with their continues phone calls on erroneous charges independent of taxes. 

Here is a link to Texas XXXX : http : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called me at XXXX, XXXX, XXXX, XXXX. I 'm sure it would keep going but I have the phone set to block them now so I do n't see it. I am at work. I ca n't answer my phone NOR can I tolerate people calling me every 30 minutes - 1 hour or less!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I had sold a home that I owned with another person. At the time of closing the proceeds were split XXXX. Then the Mortgage company fifth third mortgage sent a check back for our escrow refund, check was sent to a address I do not know. I had called fifth third bank several times about the escrow check and they assured me that the check would have to be signed by both parties. Then the other party took the check to fifth third bank signed his name to the escrow mortgage refund check and deposited it in his account with out my signature. I am not on his checking account. So fifth third bank has let the other party take the Mortgage escrow refund all to himself. I contact fifth third bank and was told to bad. Please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Consumer Loan (Vehicle loan) with CURO Intermediate Holdings (AZ).
Issue: Taking out the loan or lease

Complaint: I was on XXXX looking at my credit score and I seen a report for an auto loan that I did not apply for but yet it is on my report and damaging my credit. please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a interest only arm loan with ocwen for the last 10 years. where can Ifind the information to help me determine if I have been overcharged. 
Thanks so much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Bank account or service (Other bank product/service) with PNC Bank N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I have been getting calls starting early morning to late at night from XXXX. I called them this morning after a call from them at XXXX. When I got a service rep, she told me I could do nothing about the calls and that since I was n't a customer I could not speak to a supervisor. She told me that only the person who owned the account could take my number off their list. This is from PNC bank and I have no accounts with that bank and never have! What am I suppose to do to get them to quit calling me?

Company response to consumer: Closed
Consumer complaint received 04-11-2017 about Mortgage (Conventional fixed mortgage) with iServe Trust (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: 1026.13 ( e ) states Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable. <P/>USAA states that after a year of finalizing the billing dispute they received new information and reversed the previous decision and credits. 1. ) USAA has not mailed an explanation setting forth the reasons for their belief the billing error stated is incorrect. 2 ) USAA has failed to furnish copies of documentary evidence of my indebtedness, despite my many requests these past few months. 3. ) Provide current statements reflecting the reversal of charges identifying them so they may be verified.
4. ) States because I have rewards accounts with several of the companies charges where made with I am responsible. Currently, I have elite status with the following hotel chains : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX and all branch and subsidiary properties of each chain. That 's the majority of hotels in North America. Stating I am responsible for a charge at one of these hotels simply because I have status at the hotel in no way proves my liability. Especially seeing as I hold rewards accounts at so many hotels.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Bank account or service (Checking account) with BANK OF THE WEST (CA).
Issue: Account opening, closing, or management

Complaint: I opened a checking account at Bank of west XXXX XXXX XXXX XXXX ca. on XXXX XXXX. Reason I opened had offer of {$600.00} if balance above {$50000.00} to end of year. Offer said had to opened before XXXX XXXX. Person told me no problem on getting money. Had over {$50000.00} balance into this year. but they refuse to give me the {$600.00} bonus. Had contacted bank with no help so far.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/15/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Credit card protection / Debt protection

Complaint: Someone was able to hack into my Kohl 's charge account and change the shipping address. They then used XXXX different old credit cards to charge XXXX items and have them shipped to the bogus address during the month of XXXX 2016. When I received the bill I immediately called Kohl 's. Kohl 's is currently working on the fraud case however I feel the practice of Kohl 's not deactivating the old card when a new XXXX is sent sets up the consumer for fraud. I was told to either not activate the new card or call and cancel the old card. The only thing that changes is the last XXXX numbers it is still the same account. I had them close every thing and they are supposed to send a new card. They also said they would not report anything to the credit bureau until the investigation was complete which could take up to 60 days. Kohl 's is aware that there is a Kohl 's Cash scam going on and they continue to keep old cards active. I also never received an email that my email and shipping address were changed on my account. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: In XXXX XXXX The city of XXXX XXXX had a major hailstorm that caused damage to many of my possessions, one car was beyond repair and I needed to replace it. When I went to replace it, I found that my credit report had been given negative reports by a bank, XXXX. I had had many conversations with this bank, as it is online only, and my daughter had a truck on a loan through them. The bank was impossible to deal with as most of their help did not speak English well. I was never given any alerts or notifications of late payments, but they said two were late. These were paid and I moved the loan to XXXX XXXX to get better service and a better interest rate for my daughter. I also had to replace another car. I managed to get this done with a decent rate and payment. But now over a year later my credit is still the same and nothing has changed and XXXX and Equifax are impossible to deal with, there is absolutely nothing wrong with my credit, I have zero issues and my credit uses are well within acceptable levels but these two companies are like slave owners, as a citizen of America, it should be illegal for them to give a person a rating with no real justification for it, and no deep explanation of the reason, they need to be responsible for their actions and how they affect people. I had to acquire a car through no fault of my own yet I am still paying for it in a less than stellar credit rating by corrupt businesses that can not explain or correct their wrong doings. I am tired of being chained by two companies that are in the business of selling peoples lives - it is modern slavery and the government needs to put an end to it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: APR or interest rate

Complaint: I applied for and used Wellsfargo cash wise visa card last XXXX because there was a promotion said that there would be 0 % APR for 12 months, get {$150.00} cash back if I purchase {$1000.00} or above within three Months ... ..Actually I still keep the photo picture of this page of website. I checked at Wellsfargo in XXXX ( NC ) branch to ensure it would work before I started to use this credit card. I made a phone call to the costumer service and checked this promotion again at wellsfargo XXXX XXXX and XXXX branches to confirm 0 % APR after I received first credit statement, and no one told me that I need play any interests within 12 Months. Yesterday - XXXX XXXX I received the Wellsfargo cash wise credit card statement charging me {$20.00} interests, other than paid me {$150.00} as the promotion said. Yesterday I called the credit card customer services again and asked the representative why, and I was told that he would fill out a form for me and send it to credit card finance service department to get this promotion approved and there is no guarantee for that. I never had this kind of situation before and I could not image that the major credit card company will eat their promise to their costumes, I am feeling cheated. I need your help in investigate this case.

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a verified letter asking for verification for numerous accounts on my credit report. I sent letter one XXXX17. I sent letter two XXXX17. I then receive a letter from Experian on XXXX-17 stating they have completed the process of my disputes, and will no longer reinstates these accounts anymore. I did not receive verification according by law 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I did not receive verification from numerous accounts.

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 02-07-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are XXXX incorrect addresses showing on my credit file. Please remove them XXXX XXXX The correct address should be : XXXX, XXXX, GA 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