milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2015 about Debt collection (I do not know) with Bilateral Credit Corp, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: American servicing company is the servicer for Wellsfargo. I 've been trying since XX/XX/2008 to get a home loan modification and I keep getting the merry go round treatment. For some reason, my paper work keeps getting lost, or THE time ran out to apply or I make to much money or too little money. What is more, ASC assigns me with a home loan preservation officer, who supposed to handled my loan modification application, who always like clock work gets moved to a different office and location allegedly, just before I 'm supposed to get a decision on whether or not I was approved for the modification loan. This routine is systematic act. And, the new Preservation officer allegedly never knows what went on before they take your case/application.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Debt collection (Medical debt) with Account Resolution Corporation (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The medical debt appeared on my credit. No wriiten notification- for {$100.00}. The debt has been PAID with the original credit XXXX XXXX -

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: XXXX   XXXX ,   XXXX    Bureau of Consumer Protection  Federal Trade Commission  XXXX    XXXX   XXXX   XXXX   XXXX   DC  XXXX   XXXX  : FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Whom It  May  Concern : On  XXXX   XXXX ,   XXXX  , I received a letter from Equifax that they had completed an investigation and deleted the bogus information on my file ( please see attached ), yet as of today it still shows on my credit file and has not been deleted and they have refused to remove it.     The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. They also can not add it back to my file per the law. Equifax has not followed the law because they have not deleted the information per their own investigation.     I also understand that may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. This is an apparent disregard for consumer protection laws.     If you have any questions or need additional information, please contact me at the address noted below.       Thank you.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: I requested a credit report for me and my wife from Experian on their website. The company requested a credit card for the {$1.00} charge. A week later, XXXX charges for {$23.00} each showed up on my credit card. When I called Experian to get the charges removed, they said I agreed to the charges when I requested the credit report. They refuse to refund the charges. I spoke to a supervisor and to the corporate office in California and XXXX XXXX, and all refused or were unable to get the charges returned. Please help me with this, this company has ripped off thousands in this manner.

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I signed in Experian credit company '' s online site on XX/XX/2018,  to review my credit score for the first time in my life. 

It was showing {$1.00} for reviewing credit, so I paid {$1.00} using my credit card. I was carefully reading the homepage of the Experian to avoid any additional or hidden expense, also I did not agree to join membership. 

However, I found out today ( XX/XX/XXXX ) that they charged me not only {$1.00} but also {$21.00}. It seems I became a member which I never intended to be and will be charged {$21.00} every month. 

First of all, I had no idea how the site structured to make people enrolled for membership. I cant cancel online like with any other business. I had to find a number to call it. I have already wasted enough of my day to figure out whats happened and to find out how to cancel it. Also, I lost money which I actually do not need to pay. 

When I searched online, there are lots of complains about Experian. Attached is the link to some complaints. This practice of forcing membership without refund should be made illegal. 
XXXX XXXX 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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There is an error on my credit report from  XXXX   XXXX    XXXX   XXXX  . The credit card paid full but on the credit report it is showing unpaid. I contacted with the bank and they provide me confirmation number  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have been a loyal card member of Capital One. I recently in XX/XX/XXXXreestablished an account with Capital One. I have an old account from XX/XX/XXXX. Back then I had lost my job and failed my financial obligations therefore Capital One made a mutual decision to close my account. Back then I did n't realize how important credit was but I do now. Capital One is my oldest account & there are several inaccuaries reporting on all 3 major Credit Reporting Agencies ( XXXX, XXXX, & XXXX ) First, on all 3 Credit Bureaus it shows the same account # ( XXXX ) Next, we will get to the route case of this Email ( Payment History ) As you know Payment History makes up for 35 % of a Consumer 's Fico Score & without that Information its is inaccurate A brief look at my account will reveal I have successfully made on time payments since establishing the account. 

Let 's start with the most recent Capital One Account ( XXXX ) Opened XX/XX/XXXX XXXX ( Does n't show XX/XX/XXXX Current Payment Status ) XXXX ( No XX/XX/XXXX Current Payment Status ) Transunion ( No XXXX Payment nor is is reporting XX/XX/XXXX Payment ) Finally let 's discuss Capital One Account ( XXXX ) Opened XX/XX/XXXX XXXX ( Paid as Agreed but no 24 Month Payment History ) XXXX ( 24-Month Payment History starts XX/XX/XXXX until XX/XX/XXXX its missing prior to XX/XX/XXXX as well as XX/XX/XXXX Current Payment Status ) XXXX ( Missing XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX as well as after XX/XX/XXXX Current Payment Status ) For the older account they both are Revolving so without that Information is in inaccurate. 

I do n't need to let you know that without updated this Information you are not in compliance violating my FCRA 609, 611, & 623 Consumer Rights. Please update this within 30 Days. The next step will be to followsuit with the BBB & my Attorney General 's Office which entitles me to {$1000.00} per Violation I sincerely hope Kohl 's believes in their customers and I humbly request to update this Information. I appreciate your time and look forward to receiving a favorable decision from you department soon.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: After a modification Wells Fargo told me I owed XXXX payments and I could only make XXXX. I believed only XXXX was due and it was for XXXX. After paying it I was told I had to pay another XXXX which I did n't have. They have made me late every month on my credit report, my credit is shot. I have n't been able to go to work because of health issues. I just finished my XXXX. I have called them and so far I have talked to XXXX people. No one can help me they just transfer me to another person. I received a notice that if I did n't give them {$6400.00} by the XXXX of this month that they are foreclosing on my home. I have never missed a house payment. I have owned this house for fourteen years. I want to ask them if they will add the money I owe them ( in their estimation ) to the principal and start from scratch again. I do n't know what else to do. I am so concerned about being homeless and I do n't know which way to turn. It took a year and a half to finalize the modification and they lowered the principal by XXXX and the payment stayed the same. I was mortified. I wanted a lower payment not a lower principal and they knew that. Since I lost my job I have nothing extra. My children help with my medications and food. Can you please help 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 11/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My initial disbursement was XXXX on XX/XX/XXXX. The balance remaining is XXXX as of XX/XX/XXXX, which at this time I stopped paying. The lender is navient which then was turned over to XXXX XXXX XXXX. Over the 8 years I have paid XXXX towards this loan, why do I not see a decrease in the amount? furthermore, it is on a 6.75 fixed rate which doesnt show it being fixed on my account history. The interest amounts vary each month.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit card () with U.S. BANCORP (OH).
Issue: Closing/Cancelling account

Complaint: I opened a secured credit card with a credit line of {$500.00} at US Bank in XXXX 2016. I had charged {$490.00} to the card. On XXXX XXXX 2016 i decided to close the account and submitted my request in writing. On or around XXXX XXXX, 2016 I called US Bank and the credit card had been closed and they took the initial {$500.00} secured deposit and applied it to the balance which made a credit balance of {$0.00}. On XXXX XXXX I was charged a {$29.00} annual fee. I called US Bank on XXXX XXXX and was advised that they would go ahead and waive the annual fee by submitting a request and that it would be done within 10 business days. On around XXXX XXXX, I checked back with the bank and it still was not credited I was told to give it a few more days. On XXXX XXXX I called back again and a representative a shored me that they would waive that annual fee based on the prior notes they saw no issue but the representative past me to a supervisor and the supervisor stated that we will not waive the fee because this is a secured card and that if I took any other measures by going to the CFPB or Federal Trade Commission it would do no good because they were not going to break policy based off of a CFPB compliant. This card was closed before the annual fee was ever buil this card was closed before the annual fee was ever billed.

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 01-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Other fee

Complaint: During my XXXX billoing cycle, BofA charged me {$30.00} in interest, even though I paid the previous month 's balance in full, as shown on the XXXX billing statement ( attachment ). This is my first inquiry. 

Also during my XXXX billing cycle, Bank of America issued me a credit of {$10.00} for a fee they waived from my account. Therefore, at the end of the billing cycle in XXXX, I paid my full balance minus {$10.00}, assuming that the {$10.00} refund would apply towards my account balance. 
However, in the XXXX statement, I was assessed an interest charge of {$31.00}. When I called Bank of America to ask why, they said that I had underpaid by {$10.00} because the {$10.00} refund of the fee did not apply until the next billing cycle XXXX. My second inquiry is this : if the {$10.00} appeared on the XXXX statement as a credit, how can they not apply it toward my outstanding balance? I believe this is deceptive. 

I then asked how a {$10.00} underpayment could lead to {$31.00} in interest. They told me that underpayment on the account causes any purchases after the underpayment to be considered part of the average daily balance, even if they are part of the current billing cycle which is normally subject to the usual grace period for payment. This is the third inquiry. This explanation does not make sense to me, nor can I find it documented in the Terms and Conditions of the card. Extended questioning of over XXXX minutes with the customer service representative also did not yield any clear answers - they just kept referring me back to the Terms and Conditions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CO).
Issue: Other transaction problem

Complaint: I had a stop loss set on XXXX Crypto currency exchange ( Coinbase ). The exchange executed my stop loss transaction, charged me fees for it, but the prices shown on the exchange were never low enough to trigger the stop loss. 

I have a screen shot to show what I'm talking about, filled out a customer support ticket over a month ago. Case # XXXX. Have not heard anything back from customer support, nor is there any ability to check the status of my claim. Please help me investigate how this trading glitch happened, why I was charged fees for it, and help reclaim my lost money in this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I included my debt to Speedy cash in the amount of XXXX dollars in my Bankruptcy which was filed in XX/XX/XXXX. My case number is XXXX, my attorney is XXXX XXXX XXXX. All debts owed to Speedy Cash were included in the bankruptcy yet Speedy Cash refuses to list the debt as discharged or closed. As of XX/XX/XXXX it is still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has had ample time to consider my complete as received Request for Mortgage Assistance ( RMA ) application package of XXXX XXXX. 
Bank of America, their representatives, and servicer can not record an NOD, an NTS, or conduct a sale while the application is pending per California Civil Code ( XXXX ( c ) ) and, if application is denied, until 31 days after providing borrower with a written denial per California Civil Code XXXX ( XXXX ) ( XXXX ). 
While there is no consistent or well established Bank of America deadline for borrower 's to submit an RMA application, I submitted a complete RMA application package and all other Bank of America requested documents on and before XXXX XXXX, XXXX without delay. 
Bank of America has decided not to provide a written determination to the XXXX XXXX RMA from the Bank of America Appeals Department to date. While there seems not to be any Bank of America deadline for servicer 's application evaluation and no established deadline to process an appeal, it does n't take over four years to come to a decision and issue a written determination and direction unless the bank has decided to park and stall the modification process indefinitely. However, this park and stall tactic is at odds and inconsistent with the recent efforts to collect on this home loan mortgage account. 
Bank of America, their representatives, and the servicer may not record an NOD, NTS, or conduct a sale until the later of : 1 ) 15 days after the appeal is denied ; or 2 ) 14 days after modification is offered. 
As a borrower must accept an offered modification within 14 days or offer is considered rejected per California Civil Code XXXX ( XXXX ) ( XXXX ), the same standard is to be placed upon the bank and servicer. Since Bank of America has declined to timely process a complete RMA so as to complete the modification process, Bank of America and their representatives and servicer forfeit rights to decline an evaluation, issue a written denial, and foreclose. 
Bank of America has not offered a MHA HAMP TPP based on the XXXX XXXX RMA before or after XXXX XXXX. Thus, I have never rejected a modification in accordance with California Civil Code XXXX ( XXXX ) ( XXXX ) because I have had no option and opportunity to accept or reject a modification timely presented to me by Bank of Americ based on my XXXX XXXX RMA.

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 12/13/2016 about Mortgage (Home equity loan or line of credit) with KEYCORP (NY).
Issue: Loan modification,collection,foreclosure

Complaint: In a teleconference on XX/XX/2016, XXXX the head of Key Bank 's Collections Department, stated that XXXX did not apply to Key Bank ( because Key Bank did not accept TARP money ). 
In a XX/XX/XXXX XXXX XXXX about Key Bank XXXX XXXX XXXX, XXXX : XXXX # XXXX, XXXX XXXX XXXX XXXX ' XXXX 's question as follows : Key suffered some dark years during the recession and in XX/XX/XXXX became XXXX of the last banks to repay its {$2.00} XXXX in bailout funds. Is this still a turnaround mission? 

" The TARP money was not a bailout. It was originally given to banks that were deemed financially stable and viable. We were patient in deciding when to repay TARP because part of the requirement was that you needed to raise new equity -- you had to issue stock. By waiting until our financial performance was stronger, we diluted our shareholders less. We are proud to have that chapter behind us. We 've been profitable for XXXX quarters and are building momentum for the future. I truly believe Key is past the inflection point. '' If Key Bank accepted XXXX funds, than it is obligated to offer XXXX. XXXX XXXX 's misrepresentation that HAMP does not apply violates Unfair or Deceptive Acts or Practices provisions of XXXX U.S.C. XXXX ( a ) and New York XXXX XXXX XXXX, XXXX. 

Since XXXX will expire on XX/XX/2016, XXXX misrepresentation could be very injurious.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I saw a promotion for a new XXXX credit card through XXXX XXXX XXXX that said if I spent {$1000.00} in 3 months I would get XXXX points. I was approved for the card and received it in the mail in XXXX XXXX 2017. I did not use the card until I was ready to book my vacation in XXXX XXXX 2017, and spent over well over {$1000.00} then. Months after booking my vacation I did not receive my points. When I called XXXX customer service they refused to give me the points stating that the promotion was for XXXX points at the time when I activated the card. Furthermore, that by the time I activated the card and made a qualifying purchase, the promotion had ended. However, I still see them advertising this promotion. I only chose to open a credit with them, because the reward made the most sense for me at the time. I am still using the credit card, and do not want to close it because of how that would impact my credit. I just want the reward I was promised.

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 10/15/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Other

Complaint: I have several times been unable to verify my identity by phone ( e.g. when traveling ) after answering several " identity verification '' questions. This has happened with XXXX different credit card companies. I have checked my credit reports and scores and while there are minor errors, my scores are good and there is no evidence of identity theft. I was unable to verify my identity to get the credit reports, however, and had to go through a friend who made a business inquiry to get the report. I am at a loss as to what to do : I suspect this is inaccurate information on one of the credit bureau 's identity verification products but I have no idea - the credit card companies ( XXXX, Bank of America ) wo n't tell me even which product they use to verify my identity. What do I do?

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