milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I need to submit yearly income documentation to my student loan servicer, Nelnet, to recalculate my income based repayment. Nelnet told me I had a specific deadline by which to complete this. However, they had set a different, earlier deadline, which if I had not submitted by then, they would switch me to a standard plan and capitalize all of the accrued interest. I know that switching from IBR will capitalize interest -- however, I submitted the required documents by the deadline they told me. But they had capitalized my interest a few weeks before that.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, I bought a house and was financed through XXXX who sold my mortgage to XXXX XXXX XXXX, who then sold it to Greentree Service which became Ditech. There have been issues with Greentree and Ditech all along the way, with fees and harrasing phone calls, but the kicker was that I started to get a refinance in XXXX XXXX. From then until now, it has been one list of confusion and run around. No one in this company gives you the same answer and money seems to go missing. I first was told that I owed late fees but they couldnt tell me how much or for what or why I had money listed in an account marked " other funds '' but that wasnt late fees paid. Then they did a research on my account and magically made things add up after weeks and weeks. They lost my payment miss applied my XXXX mortgage with my XXXX and than held up a few more weeks. XXXX seperate checks with XXXX seperate accts numbers. Then finally the refinance department calls me and say they called my home owners insurance company and found out that my policy was cancelled a year before in XXXX XXXX because of non payment. Although it has always been part of my escrow. But when I call customer service they tell me no maam you are insured. They give me the policy number, the due date, the amount due etc. So for the past week its been chasing my tail to get straight answers. Where is my missing money? Why wasnt my policy paid. Where is a check they tell me they refunded me. Why dont they realize that if they have an extra {$1100.00} in the acct they may need to figure something out! I now have been dropped from my insurance company who wont take me back because of the lapse. I had to get a terrible policy just to get coverage. My out of pocket XXXX forbid something happen is {$2500.00} its a nightmare. So now that I ask where my money is now tax payments show that they have been issued to the county and XXXX to the city ( although I dont pay a city tax ). Both for the same amount. My township says they havent received a payment since the XXXX quarter. I think my money is being stolen or pocketed. I need help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Debt collection (I do not know) with Liberty Holdings, LLC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Liberty Aquisitions in XXXX XXXX somehow sent a court order to my employer to garnish my wages. Says debtor is XXXX XXXX and XXXX XXXX, Last known address is XXXX XXXX. Judgment entered XXXX XXXX XXXX. My name is XXXX XXXX but there are probably XXXX XXXX XXXX 's in the country. I do n't know who XXXX XXXX is, I have never lived in XXXXXXXX, I moved to XXXX XXXX from XXXX in XXXX XXXX, not XXXX. This is Crazy. How can they garnish my wages because I have the same name?? I called and they said my social does not show up anywhere. I have nothing on my credit report. Have n't been sued, have n't been notified, just a court ordered garnishment. Do n't know what to do. Ca n't believe collection agencies can do this to anyone. it 's just crazy.

Company response to consumer: Untimely response
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX, 2017 my credit scores dropped 2 and 3 points with XXXX and XXXX.My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (GA).
Issue: Money was not available when promised

Complaint: coinbase.com has to give money to me as part of selling virtual currency. coinbase claims they initiated below wire transfers to my XXXX XXXX XXXX bank account. but money never arrived in my bank account.My bank clearly says they have not received the wires from coinbase. I have contacted coinbase many times but they never resolve the issue. please help me to get my money 1 ) {$2700.00} USD on XX/XX/2018 reference no XXXX 2 ) {$1300.00} USD on XX/XX/2018 reference no XXXX 3 ) {$240.00} USD on XX/XX/2018 refernce no XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have contacted Equifax regarding inquiries in my credit file. I informed them I did not authorize these inquiries instead of them removing them and trying to figure out who is being fradulent they just ignore the matter. The inquiries that I have for accounts established are mine everything else is unauthorized and should not be reported if not initiated by me. There are laws to protect me as a consumer and equifax is breaking the law by reporting inaccurate information. Please address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received a mailer offering XXXX bonus XXXX miles after I had spent {$2500.00} each month from XX/XX/XXXX-XX/XX/XXXX. I opted in on the website as directed, and completed the {$2500.00} per month spending per the terms. The miles were supposed to post within 8 weeks of the promotion end date and they have not yet posted, it has been nearly 12 weeks. I have tried on multiple ( 10+ ) occasions to work with Barclays and they have opened two separate " cases '' # XXXX and XXXX however nothing has come of these and I have received nothing but half responses to my questions.

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 03/16/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Closing/Cancelling account

Complaint: XXXX/XXXX/2017 charges were declined on my Capital One Venture card. XXXX/XXXX/2017 contacted Capital one and was told that the account was closed but had no explanation other than to say the card holder agreement allowed them to do this for business reasons. They stated that I should receive a notice in the mail soon. As of today, XXXX, I have not yet received this notice. What I did receive today is a notice from Kohl 's indicating that my Kohl 's credit card account was being closed. It just so happens that my Kohl 's card is issued by Capital One. This notice states ... '' The reason ( s ) for our decision is as follows. We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family, or household purposes. '' We only use this card for personal, family, and household purposes so I have no idea what they are suggesting. They have never notified me of any issues in the past. We always pay our bill on time and in full. Capital One 's own credit reporting indicates a XXXX credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My XXXX XXXX Account that was " In Good Standing '' on my credit report has been deleted or blocked from my report and my report no longer generates a score because of no credit history. The account should NOT have been removed. XXXX XXXX Credit Card Account # XXXX ... Date Opened : XX/XX/XXXX First Reported : XX/XX/XXXX Credit Limit : {$7700.00} Payment History : starting XX/XX/XXXX - current I have contacted XXXX XXXX customer service dept. and also the Fraud Dept. and both departments informed me that they have not stopped or requested removal of my account reporting and that my account is currently scheduled to report currently. A letter confirming that reporting is in effect has been sent by XXXX XXXX to all XXXX bureaus to prove this fact. 
I recently filed an Identity Theft report that included XXXX unrelated XXXX XXXX accounts and I feel that there is a possibility that the wrong account " In Good Standing '' was blocked by mistake, because the first 4 digits are the same " XXXX ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Since atleast XX/XX/XXXX, I have attempted to make a payment through various methods on Citibank 's website or over the phone and was not able to. The system would refuse to recognize my password and would not issue me a new one, nor was I able to make payments over the phone. I believe this is a tactic by the company to assess profitable fees for their company. <P/>The latest issue started aroundXX/XX/XXXX when company had sent me a new card card, causing problems with both my log in and phone support. On or around XX/XX/XXXX, When I would try to log into their website it would erroneously say the card was not activated, and direct me to do so. It would direct me to another website to register the card, which would appear as registered. On XX/XX/XXXX, I attempted to call Citibank various times to fix this issue and make a payment. In order to verify my account, they needed to send me a text to a phone number they had on file. Unfortunately the number they had on file was not one I had provided to them nor one I recognized. During this lapse, I was assessed a late fee which the company will not credit back to my account. This was not the first time this has happened with the company due to log in and phone support issues. over the last year, they have assessed me five late fees totaling {$170.00}. After my forth call to the customer support onXX/XX/XXXX, I was finally able to speak to someone who was able to help and I was finally able to make a payment. I requested the company waive the late fee of {$35.00} they assessed to my account, since the only reason I was not able to make a payment was because of errors with both their online system and their phone support. The company has declined the late fee waiver. Although I am contractually obliged to pay the late fee, the company must be aware of this issue, and I 'm concerned this may be a tactic they use to assess more late fees on unsuspecting card card holders. I would like for the company to refund me the late fee and give me assurances that they are working to address this log in and phone support issue.

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 03/21/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I did research on XXXX XXXX XXXX and I found that Texas requires all collection agencies attempting to collect debts or reporting on consumer reports to have a XXXX bond on file with the XXXX   of State of Texas. As of XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) bond status for the State of Texas shows Canceled Close. This indicates that they are not legally allowed to attempt to collect any debts in the State of Texas. XXXX XXXX XXXX, XXXX ( XXXX ) is the company reporting on my credit file for the amount of ( {$920.00} ). I reached out to the company via certified mail multiple about the debt not belonging to me and also that that they are not legally allowed to report in the state of Texas. I have filed a fraud complaint with the Attorney General of Texas, after a follow up call with the XXXX of State of Texas.

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 11/16/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Rewards

Complaint: Discover started a promotion for % XXXX Cash back on ALL purchases when using XXXX ( No Exclusions ). I purchased an Iphone and applied for a Discover Card based on that promotion. Sometime shortly after the promotion started, Discover added restrictions to their original promotion. These new restrictions simply stated " Gift Card Purchases Excluded. '' Discover pulled a Bait and Switch with this promotion, they threw out a promotion with a great reward and no restrictions, once they had people committed and pulled in, they changed the terms of the promotion. On top of the change in terms, Discover also continues to add restrictions to the promotions such as the requirement to send them receipts to recieve cash back, the requirement to send receipts if a Giftcard was purchased as part of a larger transaction. Discover is requesting potentially sensitve Medical information about my family, they have stated through their offiical XXXX account that when sending a receipt you may not black out sensitive personal medical information. Discover has also changed their terms of the promotion without notice to disallow ANY sort of purchase of Non-Merchandise, eg. Cellphone Reloads, Transit Card Reloads, Prepaid Debit Cards, XXXX reload cards, all of which fall outside of their giftcard exclusion. Nowhere do their terms of the promotion state their extremely wide definition of a giftcard. Discover has acted in bad faith with this promotion, they lured people in with a very lucrative promotion and then changed the terms once people, like myself, had committed. They continue to change their restrictions and widen their denials, they request medical records they have no right to, and have acted in bad faith throughout the entire process of this promotion

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was shocked when I reviewed my credit report and found items that are not mine that are being reported to all three credit bureaus. I have never lived at this or any other apartment in the last 20 years. Creditor : Hunter Warfield Account # : XXXX I have always paid my bills on time. I am victim of identity theft and want this item off my credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Bank account or service (Other bank product/service) with Remitly, Inc. (WA).
Issue: Making/receiving payments, sending money

Complaint: We arranged with Remitly online for {$100.00} to be transferred to a family member 's bank account in the XXXX. The money was removed from our bank account but never transmitted to our family member. Remitly had vague answers over 6 days about the status of the transfer. We contacted our bank to dispute the charge and will make other financial arrangements for the transfer. We will not use Remitly again and advise anyone else to avoid this company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Late fee

Complaint: I have a credit card with Wells Fargo Bank. Payments are due on th XXXX of each month. I have an automatic bill payment set up with XXXX to occur on the XXXX and arrive by the XXXX. For XXXX months in a row, Wells Fargo has not received/posted my payment until after the due date. Two weeks after the payment generated to them. I beleive Wells Fargo is delaying posting. There is no reason why a bill pay check between XXXX of the biggest banks in the world takes two weeks for delivery. Wells has reversed the XXXX fee when I called them. Im not sure if they will handle the XXXX fee since they told me it was a one time " courtesy ''. They could not explain why the delay, saying only that the posting date was the date of receipt. They encouraged me to have WFB draft the payment against my XXXX account. However, I want the process to work as it has for several years of having this account. Prior payments have never posted this late. 

There seems to be some fraudulent activity here to inappropriately charge customers fees that are not of their doing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company has suddenly placed a negative listing on my XXXX credit report saying they have a collection account opened on XX/XX/2017 and that I owe a balance of {$730.00}. The listing did not appear in XX/XX/XXXX, but in late XX/XX/XXXX. 

I do not know what this debt is, do not recognize it in any form or fashion, and do not believe I owe this company any money. 

Furthermore, I have NEVER been contacted by this company in regards to supposed alleged debt, or notified of any collections activity. Nothing in writing has ever been sent to me to notify me of any attempts to collect where I could exercise my legal rights to verify or dispute, before placing damaging, inaccurate information on my credit report. This is in direct violation of the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. 

This inaccurate, unverified information, of which I was never notified, needs to be removed from my report immediately, and the company needs to follow the law in regards to it 's collection practices and make sure debts are valid, and the consumer is contacted and given an opportunity to dispute, before reporting to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX a letter was sent to the company to validate the debt of {$950.00} not verify, on XXXX the company failed to sent the proper docs, paperwork needed to validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2015 about Bank account or service (Checking account) with U.S. BANCORP (OH).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/2015 I received a postcard from US Bank notifying me that my account was overdrawn by {$9.00}. I immediately went online and transferred {$1000.00} from my savings account. Unfortunately by that time my account was charged {$36.00} overdraft fees and an additional {$25.00} as an extended overdraft fees. The {$25.00} extended overdraft fees may be charged every week as long as the account remains overdrawn. I have requested that US Bank provide me the courtesy to reverse the fees charged. For one I have been an outstanding customer for the last 3 years. This is the first time something like this happened or I requested fees to be waived. The customer representative waived the {$36.00} charge but said she can not waive the {$25.00} charge. I explained that I had more than sufficient funds in the linked savings account and that I immediately transferred funds when I received notification of the issue. US Bank chose to use the snail mail rather than an e-mail to notify me of the issue. In addition there is no date on the postcard as to when it was sent. Normally mail takes 24-48 hours and not 7days yet, this only postcard notifying me of the issue was received on the same day US Bank elected to charge me an additional {$25.00}. It is to be noted that the postcard notes that US Bank may charge this extended overdraft charge yet US Bank is not willing to waive this extended overdraft charge for a good customer. Interestingly US Bank may charge this extended overdraft charge every week. Can one imagine how much extended overdraft charge US Bank can allege it is entitled to charge on an account that was overdrawn for a couple of dollars yet the customer was not notified but weeks later? This practice is unfair, deceptive and abusive! In addition the supervisor that discussed the issue with me on the phone was very defensive, rude and argumentative. She was going on and on without giving me the respect to finalize what I had to say. She argued that her daughter got XXXX postcards within a week for her account when it got overdrawn. I am happy that her daughter received that courtesy. Unfortunately I received one card on XXXX and took immediate action. I received no prior notification as to this issue or I had more than sufficient funds to transfer and ensure no additional fees were assessed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief