milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've had nothing but problems with this company since I established a car load with them 2 years ago. The most recent, I have been trying to log into their payment portal for three days and kept getting error messages. I also tried to make a payment using the electronic phone system and kept getting the message " you are not set up for electronic payments ''. I finally reach someone today, and and 20 minutes on the phone they corrected the problem. I also made a payment, but this put me 31 days past due. I asked them please not report the late payment to the credit and they told me " there are other ways to make a payment ''.

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 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (ME).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: American Express offered a Delta Gold Card with an  offer for {$150.00} Credit Statement and Free Sky Miles after purchases. When I contacted them today ( just received card ) for confirming the credit offer, they claimed they can not provide the bonus ( es ) since I have had this card before. I told them and include here the Terms and Conditions for the offer which is unclear on the basis for making the offer unavailable : " Welcome bonus offer not available to applicants who have or have had this product. 
If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome bonus offer in any way or that you intend to do so ( for example, if you applied for one or more cards to obtain a welcome bonus offer ( s ) that we did not intend for you ; if you cancel or downgrade your account within 12 months after acquiring it ; or if you cancel or return purchases you made to meet the Threshold Amount ), we may not credit the welcome bonus to, we may freeze the welcome bonus credited to, or we may take away the welcome bonus from your account. We may also cancel this Card account and other Card accounts you may have with us. '' The complaint is that the offer is duplicitous - their offer information is contradictory ( they claim their offer materials on the web site exclude the bonus ( es ) if the card was previously owned. The T & C only discusses withdrawal of offer in the event of " abuse, misuse, or gaming ''. Clearly not the case here.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (LA).
Issue: Other service problem

Complaint: Coinbase requires that I use a webcam to validate my account. I do n't own a webcam and the solutions they offered are inadequate.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed.

Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, XXXX XXXX has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011.

Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.

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 01-09-2016 about Bank account or service (Savings account) with KEYCORP (OH).
Issue: Deposits and withdrawals

Complaint: I 'm XXXX years old and my KeyBank account has been compromised. By a attorney who has used fradulent documents to get access to my account. Which has allowed this attorney to get my privilege information. Which include my checking, saving and my investment information. When I first contacted KeyBank no one seemed to know anything about these actions. I went to court several times and there was no attachments. Then after the last time going into court this attorney told the court that he had my money. With out my knowledge I 've never been contacted at any time in regards to this issue. I feel very violated I never had any judgements at all never even been to court about this. Just out of the blue he choose my name to include in his scam. Preying on the XXXX trying to get there money which is basically stealing.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Billing disputes

Complaint: ON XX/XX/2016 AT XXXX I BROUGHT THIS TO THE ATTENTION OF BOA MARYLAND 'S XXXX XXXX. HER AND HER BOSS STATED THAT THE ERRONEOUS LATE FEES AND PAST DUE LABEL/HOLD WOULD BE REMOVED, AS I HAVE BEEN MAKING MY PAYMENT BEFORE THE DUE DATE. 

XXXX XXXX : THE PROBLEM IS THAT THE BOA SYSTEM OR SOME EVIL, IDLE XXXX AT BOA HAS THE PAYMENT I MADE ON XX/XX/2016 COUNTING AS IF IT POSTED ON XX/XX/2016! 

XXXX XXXX XXXX : I do see where a late fee adjustment of XXXX and minimum interest charge adjustment of XXXX were credited to the statement balance on XXXX/XXXX/2016. 

XXXX XXXX : I ALLOWED 48 HOURS FOR XXXX CHANGE TO TAKE EFFECT, BUT THE PAST DUE LABEL HAS NOT BE RECTIFIED! 

XXXX XXXX XXXX : Thank you for waiting. I 'll be with you in just a moment. 

XXXX XXXX XXXX : Upon reviewing your account, I see we issued a refund request have you received your refund? 

XXXX XXXX : HER SUPERVISORS XXXX XXXX AND XXXX XXXX ADVISED HER OF THE BOA ERROR AND THEY SAID IT WOULD BE CREDITED!!!!!! 

XXXX XXXX XXXX : XXXX XXXX, upon review, I identified the issue. On XXXX/XXXX/2016, a payment of XXXX post that was applied to your XXXX/XXXX/2016 due date. On XXXX/XXXX/2016, a payment of XXXX was applied to the same billing of XXXX/XXXX/2016 because your account cycles on XXXX of every month. I completely understand your intent were to apply XXXX/XXXX/2016 XXXX payment to the XXXX/XXXX/2016 due date. I can easily correct this by issuing you the refund of XXXX that you made on XXXX/XXXX/2016. At you will, you can easily resubmit that payment. Keep in mind : Refunds can take up to 5-7 business days. 

XXXX XXXX : On XX/XX/2016 AT XXXX EST, I spoke with BOA XXXX , WV XXXX XXXX . He stated, on the purported record call, that " all fees would be removed and that the payment which posted on the XXXX will be counted for the XXXX, and the " past due '' label will be removed as there is no such thing as paying too early and it is evident that you have been paying at least 1 % of your current total balance due every month, and that the rectification would take 48 hours to be completed. '' Well it is twelve ( 12 ) days later, XX/XX/2016, and the same " past due '' label and inaccurate amount due claim is still erroneously on my account. As such this will be presented to the Attorney General, XXXX, Consumer Financial Protection Bureau, because Bank of America is no different than XXXX XXXX. You all are only trying to get rich any way you can ... past due label still appears when I login in ... I can not make my next payment before XXXX until this accounting error is removed and rectified first, because it will make everything going forward confusing and that 's what they want confusion.

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 11/17/2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: I had a credit card with Wells Fargo. I previously owed XXXX $ on it. I paid that off a few months ago. I thought I had paid off the entire debt but apparently owed XXXX $ in interest. This was not showing up in my online accounts as being still owed. Eventually I got a letter from Wells Fargo saying they were closing my credit card account and sending the XXXX $ which was now XXXX $ to credit reporting agencies. I have had about XXXX $ in my Wells Fargo checking account the whole time. I called Wells Fargo because my credit card account is still showing XXXX balance. The lady I spoke with said she was requesting this to be dropped. I got a letter about 2-3 weeks ago saying Wells Fargo had researched it and their information was correct. They were reporting it to credit reporting agencies. I called again today and spoke with someone who said he was going to remove the problem from credit reporting agencies because the debt of XXXX $ was based on interest. I do n't understand that. I asked why they did n't just pay the remaining balance from my checking account. He said that his department could not take payments from me. Nobody has offered to reinstate my credit card. I am very frustrated. Incidentally I also have a mortgage with Wells Fargo. I have been thinking of trying to refinance with a different company because I do n't trust or like Wells Fargo. Perhaps they are trying to make my credit worse so I can not refinance the loan, although they are so huge, there would be no reason for them to care about my measly XXXX mortgage. Please assist. I would like for them to reinstate my credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with fraud alerts or security freezes

Complaint: According to Equifax, my information " may have been '' compromised by their breach. Because of this, I felt I had no alternative but to place a credit freeze with all three bureaus. Each bureau charged {$10.00} to place a credit freeze ( including Equifax ) AND they will also charge a fee when you request to unfreeze it in order to give potential creditors and/or employers access. I contacted Equifax and asked that they refund the {$30.00} because they are responsible for the threat I now face. They informed me that they have no intention of refunding any credit freeze fees, but they are offering credit monitoring for one year. Their nonchalant response with practically no offer of assistance or protection is NOT acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit card () with CITIBANK, N.A. (AL).
Issue: Payoff process

Complaint: I spoke to best buy credit card services. I always set up payment arrangement and tell them my financial problems. I 'm current on this account until next month. They closed my account and said they have a problem with me. The customer service representative i spoke to was so rude and told me that if i paid my account on time and not be like the rest of the world ; my account would n't be closed. I told him i wanted to speak to a supervisor and he hung up. This company is very rude. Well Citi Bank is who lends to Best Buy.

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 10/17/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Problems caused by my funds being low

Complaint: I was traveling for work last week and had unknowing overdrafted my account with Fifth Third Bank. I was n't informed about this and instead was charged {$37.00} per charge on my card, most of which were necessary work expenses, as I do not carry a credit card. At the end of the week they had charged me around {$700.00} in overdraft fees and completely took my most recent pay check, preventing me from paying medical bills, student loans and a credit card bill. I asked if they would be willing to negotiate and informed them of the devestating effects this will have but they declined. I feel wronged as I was not informed that 1 ) I had overdrafted, 2 ) They were charging me a fee per charge and 3 ) That my overdraft protection was, for reasons they were not able to explain, not working.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Credit inquires were removed then reinserted. Customer service reps refused to rectify the call. I have been hung up on, transferred to the wrong dept and refused by a Representative to speak with a supervisor. Unacceptable!

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 02-11-2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: False information submitted on my credit profile from XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX nor a Credit Card with XXXX XXXX XXXX please remove False Information my Credit Profile

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: About a month ago, I got a letter from Bank of America, which issued my Visa card, telling me to expect a new credit card in the mail, because a some unidentified merchant apparently had a data breach. 

I have called both BofA, and Visa, and neither will tell me which merchant mishandled my data. The BofA representatives tell me Visa wont tell them. The Visa representative tells me its a decision made by the bank that issued my cardin this case BofA. 

I want to know which merchant mishandled my data, so that I can stop shopping with that merchant. Put simply, I dont want to spend money with a merchant that cant protect my data. Yet neither BofA nor Visa will tell me. This seems wrong. 

I cant figure out any reason why the information about which merchant mishandled my personal data should be kept from me.

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 02/27/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took student loans out to help pay for my college education. I graduated and have been on an income-based repayment schedule since then. My family has grown in size and it has become increasingly difficult to try and pay more than my income-based payment. Over the years, I have paid my payment every month and yet my loans have grown exponentially! This is extremely frustrating because now I ca n't even pay on my principal balance because the accrued interest is over {$10000.00}. If I understand all of this correctly, if I pay just the interest accrued every 30 days, plus a little more, it will go to the accrued interest balance, not the principal balance. How will I ever be able to get caught up?! These loans have been in negative amortization almost the entire time I 've been paying. I 'm not asking for a pity party, but how is this even fair? I 've done what was expected of me, and in the end, I 'm being robbed in interest payments! PLEASE, PLEASE look into finding a way to not allow the American citizens who have tried to better themselves by furthering their education, go bankrupt because of this unfair increase in student loans borrowed. To me, this is exactly what predatory lending is : charging me way more than what I borrowed, while telling me it 's okay that I only make my income-based payment.

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 10/24/2017 about Money transfer, virtual currency, or money service (Debt settlement) with United Student Loan Assistance Center (VT).
Issue: Fraud or scam

Complaint: I was reached out to by the United Student Loan Assistance Center on XXXX XXXX, XXXX. The company had told me that they would be able to consolidate all of my student loans and have a low monthly payment for a small cost of {$600.00}. However, I was not informed that this particular company was a third party company, nor that they were not a XXXX XXXX company to actually help me get where I needed to be. I was informed that this was the only way to consolidate all of my student loans to get out of debt. 

A few months later I was contacted by XXXX XXXX who have been nothing but amazing in helping me consolidate my loans with XXXX. Right now that is in the process of being handled correctly with no charge at all. 

When I tried to call the United Student Loan Assistance Center to ask them why they had charged me the fee of {$600.00} I was informed that it was to fill out the application for the loan consolidation. I then began to explain that consolidating Federal Student Loans was free the person I spoke with got defensive and provided slander against XXXX XXXX, which again have not asked me for a penny to consolidate my loans and the monthly payment will be based on what I can afford. 

The gentleman from United Student Loan Assistance Center began to say that XXXX XXXX just wants to get more money out of me, that XXXX XXXX are sales people and that is what they do, collect money from young people like myself who do n't know any better. Which then lead to the United Student Loan Assistance Center could give me a payment of {$0.00} a month to " pay off '' my student loans. I am still not understanding how I pay something off with a payment of {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: My XXXX daughter is being solicited by credit card companies, and I am being told that I have to put a freeze on her credit files " if she has any '' ( which no one can tell me as no one has access to such ). " THE PROCESS '' is that I have to send confidential copies of her social security card, birth certificate, and a copy of my license with my address. I do not understand how as the guardian of my XXXX daughter I can not do this on the phone or online. Sending this information in the mail is the most insecure thing I can think of. Someone getting their hands on this would have all the information needed to falsify records and open false accounts, which is exactly what I am trying to prevent. I need assistance against the XXXX credit bureaus Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I currently have multiple loans with navient. On multiple occasions I called navient looking for options to help me pay my loan balance. They only offered forbearance as an option. After I used all of the forbearance that I had available they then offered me a payment plan which would lower my interest rate. The rate reduction program is a joke because the idea is for your rate to gradually increase each year. When I started the rate reduction program my payments were somewhat affordable. Now my payment has increased even though my overall financial situation has n't changed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Settlement process and costs

Complaint: We have our house on short sale SPS is the servicer. I have 5 letters that say we could receive up to {$10000.00} in relocation assistance and have had XXXX or XXXX recorded conversations with SPS. Finally they have accepted an offer. I ask about the Relocation assistance and they now say I wo n't get it. When I ask why they say because I am not eligible. I ask why? all they say is if you do n't sign the papers as is then they will just forclose. When I talked to someone yesterday I ask if I could get it in writing that they say I am not eligible. As it is all I have in writing says I get it, and without A letter from them that says they are the ones that refuse the relocation money it would appear that I just signed off. All I ask was some proof in writing from them that I am not eligible. They flatly refused to give me anything in writing. That makes me think they are trying to hide something. The mortgage business is nothing more than paperwork, nothing is done word of mouth. 
If I do n't get the money OK I do want something in writing from SPS for my own protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Credit card debt) with Velocity Portfolio Group (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I found out today that my daughters bank account has a levy hold on it from Velocity collections according to them for a debt I owe ( my daughter is  XXXX  so I had to be on her account however it is all her paychecks and gift money from family ). According to them they have a court order for this however I was NEVER notified of any court case regarding this debt. The debt is also well ov er 4 year old which is past the statute of limitations in PA as far as I could see. They are trying to take my daughters hard earned money for a debt I do not believe they are legally able to collect in this way, or at all. I am. It sure what to do at this point.

Company response to consumer: Untimely response