milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2017 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Balance transfer fee

Complaint: I applied to the Barclaycard Ring Mastercard becuase the offered no interest and no FEEs for balance transfers. We got approved and when we went to do our balance transfer they told us there would be a fee. We complained, stating that the website application says no fees. We called Barclay and showed them the website and they said they would pass this along and it would be 10 business days to get it fixed. It has now been 14 business days and nothing has been solved. We keep getting put off. The application website is still up offering the no transfer fees and interest free on balance transfers. This has got to stop. When I went out on our Barclay account page it showed us a {$15.00} balance. We questioned it and they said it was because they rushed the card to us via XXXX. We did n't ask for that. They said they would take that off our account and over 2 weeks later it is still there. I ca n't believe a credit card company like this stays in business since all they do is put it off for a board review. While I may be one person. My Brother-in-law also signed up for card for the same reasons and he has run into same problem. Lies after lies and always being put off.

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 08/13/2016 about Mortgage (Home equity loan or line of credit) with KEYCORP (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Fraud and misrepresentation on behalf of KeyBank ; KeyBank last year filed erroneously and egregiously against me a Notice of Election and Demand on XXXX/XXXX/XXXX. KeyBank on XXXX/XXXX/XXXX sent to me a letter of apology and admitting to its errors in refusing payments, charging of late fees, attorney 's fees, etc., etc. KeyBank accepted in a full and final payment made by me to KeyBank 's attorney of record of an agreed to sum on XXXX/XXXX/XXXX and which brought the loan current. 

Nevertheless that negligence on the part of KeyBank caused me XXXX, cost an inordinate amount of time to address, attorney 's fees, filing fees, derogatory reporting to credit agencies resulting in damage to my credit, etc., etc. This is now occurring again! KeyBank is threating a foreclosure action and acceleration of the loan. Further, there are now reflected substantial late fees and attorney 's fees which I have no intention of paying whatsoever. Again, KeyBank / a large bank is strong-arming a small borrower with a seasoned payment record for over 11 years! And notwithstanding that the negligent party is KeyBank! 

I am now beyond upset. I am not attempting to make further payments only to be refused and until such time that KeyBank straightens out their accounting of my account and provides me with statements that are 100 % accurate. I am also filing appropriate complaints with the appropriate agencies and discussing with my legal counsel formal actions against KeyBank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: With Equifax there are XXXX XXXX loans being reported incorrectly on my credit file XXXX # XXXX Date Opened : XXXX/XXXX/XXXX Date Closed : XXXX/XXXX/XXXX LOAN XXXX - Original Loan Amount : {$4000.00} LOAN XXXX - Original Loan Amount : {$3500.00} I was in a FORBEARANCE from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. 
As of XXXX XXXX I had the loan payments deferred. There is no way that this account should be reporting as 60-120 days past due. This incorrect reporting has a negative impact on my credit and I 'd like this incorrect reporting corrected. They are also reporting this account with a current status of paid/current when in fact the account is PAID/CLOSED as of XXXX/XXXX/XXXX This account needs to be corrected and updated immediately Current reporting by Equifax Current status : paid as agreed/current ( the account was PAID/CLOSED on XXXX/XXXX/XXXX ) XX/XX/XXXX ok XX/XX/XXXX 60 days ( how did it jump from ok/current to 60 days in 1 month? ) - I was in Forbearance XX/XX/XXXX 90 days - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account on all my credit reports that it is paid and closed but 30 days late. I have been in contact with the company, Santander Consumer USA and they are stating that they can not remove the 30 days late. I do not understand how I am late in XXXX of 2014, when I got a new car on XXXX XXXX, 2014. I do not understand how I was late, when in the month they are stating I was 30 days late, I got a new car. If you look at my history that was my only " late payment ''.

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

Complaint: I just viewed my credit score on XXXX XXXX and noticed that my credit score that is pulled from XXXX has decreased by XXXX points again. The only change I see they keep changing my address. Each month I receive notice that my address has changed and a new address is listed. I tried to contact XXXX in regards to this and was unable to get through to them. My address is XXXX XXXX XXXX NOT XXXX XXXX XXXX. I am also complaining that they are still reporting XXXX XXXX XXXX XXXX XXXX as a negative account on my credit report. I have been disputing this account for over 8 months now. It was finally removed from XXXX but still appears on XXXX and experian. This information does not belong on my credit report. It has been verified to remove and or block from others seeing but they still are not blocking it and or deleting it. This wrong information is affecting my credit score in a negative way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MS).
Issue: Problems when you are unable to pay

Complaint: Receiving excessive calls from automated caller to collect debt. Have received 4 calls so far today.

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 04/17/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: My wife died on XXXX and soon after Bank of America ( BOA ) froze her checking account and forwarded forms to be completed and submitted after probate. Connecticut has XXXX forms of probate filing : standard and small estate which is for estates have no more than {$40000.00} of solely owned assets. As the named executor of her will I filed under the latter. It should be noted that the small estate filing does not require that assets be transferred to an estate account pending disposition. 

Upon receiving the appropriate probate form I took it and the other required forms and documentation to the nearest BOA branch for assistance with their completion and submittal on XXXX. Bank representatives assisted in filing in the forms and said that they would electronically submit them. I requested a check payable to me and was informed that it would take three to four weeks for the processing and that I would receive a check within that time frame. 

Because I had no status reports from BOA I called the phone number on their document on XXXX and was told that they had no record of receiving any filing. I was instructed to return to the branch and have a branch representative contact them so that this could be resolved over the phone. 

I returned to the branch and after much phone conversation between the branch and a central location they agreed to issue a check for deposit to an estate account. The branch representative stated many times that there was no estate account and that it was not required. Basically the central location was saying no estate account no check, completely ignoring Connecticut law. The State of Connecticut Petitioner 's Probate Certificate XXXX Rev. XXXX sates : " The undersigned hereby certifies that the petitioner in the above-named estate has been authorized by the court of probate in accordance with the provisions of C.G.S. XXXX to sell or transfer the following : Bank of America Checking Account '' Because by now I was totally disgusted and wanted nothing more than to get out of there I agreed to accept a check that they would overnight. 

Upon receiving the check which I could not deposit, I contacted my lawyer who stated BOA routinely ignores Connecticut provisions. I have asked others if they had similar experiences with BOA. All were uniform in stating that in any dealing with BOA, they dictate the result. 

I request that BOA be directed to accommodate state laws that may have may require their acquiescence.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (I do not know) with Evans Law Associates, P.C. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Evans Law Associates is calling the home residence and personal cell phone number of ( not the debtor ) and threatening to sue ( the debtor ) if he does not return their call. I have returned the call of Evans Law Associates at ph # XXXX xXXXX and advised them of my phone number and that person does not live here. They stated they would take my phone number off the contact list and that it would take up to 24 hours. However, they continue to call me each week.

Company response to consumer: Untimely response
Consumer complaint received 06-06-2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: We have a savings account that we have had for many years. Never really checked balance but when we did XXXX or 4 years ago it was drained to zero. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX anT they confirmed that our account was being used to pay XXXX of there customers.they withdrew XXXX months and only gave credits for XXXX months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00} Please see figures below. 

XXXX XXXX, XXXX - {$140.00} XXXX XXXX, XXXX - {$170.00} XXXX XXXX, XXXX - {$230.00} XXXX XXXX, XXXX - {$200.00} XXXX XXXX, XXXX - {$150.00} XXXX XXXX, XXXX - $ {$13000.00} XXXX XXXX, XXXX - {$110.00} XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - {$2500.00} - insufficient funds fee credit {$150.00} credit {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Consumer Loan (Installment loan) with American First Finance, Inc. (CA).
Issue: Managing the loan or lease

Complaint: We bought furniture from XXXX XXXX in XXXX, XXXX in XXXX of 2015, everything went well until it came time to pay. We asked for and were granted a loan a loan on the purchase. We paid {$400.00} down on a {$3400.00} requested loan which left $ XXXX loan was through American First Finance , XXXX, XXXX, at the time we were not informed that this was the provider of the loan. 

We signed a bunch of papers thinking we had done a good job of reading everything, ( guess we missed a bunch ). During this process interest rates were never brought up, ( I guess my wife and I assumed that it would be like XXXX or XXXX XXXX??. 

We only requested terms as we were waiting for the closing check from the sale of our house in XXXX, which we told the sales person, and we would pay the loan off. 

We waited for 3 weeks or so expecting something from the loan company and nothing happened. We called American FF and requested info, ( this was after we discovered who had the loan ). We were hung up on XXXX times, the third time we got through and requested information, which was sent. This is when we learned we had a 120 % loan for 24 months and it was set up to auto draw from our checking account. ( we missed this one, our fault ). 

I called my bank ( XXXX ) to cancel the auto payment and at the same time transfer money from my checking account to pay the {$3000.00}. After a wait on the 3 way call AFF agreed to let XXXX cancel the auto withdrawal. XXXX issued a {$3000.00} check to AFF to pay the loan. 

We waited, checking everyday for the check to clear, and making calls to the XXXX # and were told time after time that the KC office never received the check. I kept calling and finally received a return call and they were all from XXXX XXXX and not a XXXX XXXX, at this point I stopped payment on the 1st check and had XXXX send a certified check to the same address, which was received and cashed and we received notice. Two weeks later we receive a letter from AFF inc.with the 1st check and void written across the check.????????????????????????? 

As I write this my credit report still show that I have an open balance with AFF. INc of {$3000.00} and this was paid off XX/XX/XXXX. 

AFF. Inc seems to be located in XXXX and not XXXX and XXXX and AFF seem to be working together to take advantage of customers, anyways XXXX % interest is ridicules, and the way they go about it is a crime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: I got my information hacked in the Equifax Breach. 

Dosnt is sound insane to anyone that I have now pay money to freeze my credit ( with all three agencies because just doing it for XXXX is useless ) out of my own pocket to stop the damage this is causing? There are between $ XXXX {$10.00} for put a freeze at each agency, but I to repay that everytime I want ot unfreeze and refreeze. KEEP IN MIND I HAVE NOTHING TO DO WITH EQUIFAX. I DO NOT DIRECTLY USE THEIR SERVICES, THEY JUST XXXX UP EVERY PEICE OF INFOMRATION ABOUT EVERYONE AND NOW THEYVE LOST IT. 

I fail to see how this is anythnig related to me, yet now I am having to pay for their mistake. 

fix this please

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In  XX/XX/XXXX  I signed up for the student loan forgiveness repayment program as I 'm a   XXXX   XXXX  , working for a   XXXX   XXXX  . I was told in ten years my federal loans would be dismissed. In   XX/XX/XXXX  I  noticed I was no longer in the repayment forgiveness program. I calle d Navient and they said I would have had to renew this each year. I told them I was unaware of that and I never received anything in the mail to notify me to renew. Navient stated that it 's only a courtesy to send out renewal paperwork but they do n't necessary do it. They did not help me. Basically I lost five ye ars of payments toward loan forgiveness. They deceived. And they did n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Checking or savings account (Checking account) with APPLE FINANCIAL HOLDINGS, INC. (NY).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Apple vamk for savings, a nee york based bank, had scheduled a online convention on XXXX XXXX XXXX, they notified consumer that the online services will be unavailable from XXXX XXXX till XXXX XXXX. However, when i logged on after XXXX XXXX i was stocked thay only some of my accounts showd ( i have several accounts under same username, 1 as a personal and 1 for my business, and 1 for savings ). I wS sure its an error, i called the costumer service line, after a wait of more then 45 minutes, the operator told asked me what he csn help, i said, my business account dosent show online, he said ohh business accounts was not brought over to tje NEW system, u have to go to a local branch to set it up, i askes why i was not notified about it, he was not able to answers. A day latter at the local bank. As a arrived at the bak there was alot of people with the same problem, the bank manager asked us all togetherto come to his office, he first apologised on whays happening, by saying the does not have an idea why this happend and that he was asked by the HQ before the cibversiin date, to notify just few people that will be affected and he did, but ge was told thay the rest will not be affected, but he just learned that " ALL '' business accounts wgere affected, and that he can not even get through the HQ to know whats going on becase that dint answer his phones calls, He than took information from everyone in the room and promisedus that the ussue is going yo be resolved in less tgen 2 days, Since then i tried to check online my bank account on daily basis, but nithing changed, i dont habe acces to my business account, Today it 2 weeks already l, so i went back inyo the local bank, tbe menager was noy therr today, so one of the bankers there asked my whay the issue is, i repeated my priblem, she asked wgats the name of your business?, xyz, i replied, she browsed though a bunch of papers on her desk, she said, your business is not on my list, i asked, so what dies it mean?, she said, your account is bot in a lust of account that we are going to fix today, i asked when can i expect mine to be resolves, she answered i dont know, and i can not give you a tine frame. She then told me a lie, that they notified everyone in advance, something is not ture, i am attaching the only email we got before tge conversion, and the menagers also told us 2 weeks ago that he was in total surprise. Meanwhile, i can not pay bills, transfer funds, reconcile my business records and so on.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NE).
Issue: Rewards

Complaint: The complaint has XXXX parts : 1. My reward program was frozen without any notice until i called american express. I was not be able to use any points when I needed. The loss need to be compensated. ( I have at least XXXX available points for use at that time even after point readjustment. ) 2. The sign-up bonus of my platinum card from american express was retracted some time later after program being frozen, although I got confirmed messages from XXXX representatives before - the points I earned will not be retracted. I did meet the requirement stated in the T & C - " spending XXXX within three month after opening the account ''. 
American express posted the sign-up bonus and froze the account silently after I met the spending requirement. Then after three months ( the time window for meeting the spending requirement ), they suddenly claimed that i did not meet the minimum spending and retracted the points. The reason they might give is that there was XXXX return which brings down the spending quantity. However, the return happened after the account was closed. It was legitimate and was not done deliberately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (SC).
Issue: Fraud or scam

Complaint: PayPal signed me up without my knowledge or consent for a FRAUDULENT " line of credit '' of {$500.00} and defaulted my Ebay payments so that I payed by this line of credit when I actually wanted to pay using my credit card. I made a purchase on Ebay on XXXX/XXXX/2015 and was by default " steered '' to pay by Pay Pal credit. I contacted them immediatly and asked to pay by credit card and they said, " They could not take a credit card payment over the phone '' and made me mail them a check! I cancelled the line of credit, that I never opened with them in the first place, and then closed my Pay Pal account which I have had for about 11 years. Pay Pal is committing fraud, stay away from Pay Pal.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with D2 Management LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call from a lady I asked where shw was calling from she said D2 management. I am calling about a return check from XXXX XXXX. I advised her that debt was more than 10 yrs old I know that they are one of those comapnies that go thru old debt that has expired and try to collect. I advised her to remove my number and not to call again. She stated you know you owe it we are not going to stop calling. I advised her my husband just passed away this morning do not call here again. She states it does not matter we are going to keep calling I advised her I was going to report her and the company. She called from XXXX between XXXX XXXX/XXXX/2015. I called the number back .My husband just passed away this morning we called XXXX they rushed him to the hospital than pronounced him dead.

Company response to consumer: Closed
Consumer complaint received 09-01-2017 about Debt collection (Other debt) with Feldman & Stern, LLC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The guy did not identify himself but as a legal issues. Started calling on XX/XX/XXXX.  Called several times and even called my minor son who is XXXX leaving harassing voice mails. When I had the chance to call back he was vary rude and used bad language for a professional and stated I waited to long to call back. I tried calling 3 days later and no recordings or answering system. Called next day and got him. He stated he could not accept me paying the bill in full in two weeks it had to be right this minute or he was turning me over to the courts and garnishing my wages or throwing me in jail. My husband called him and he did the same to him as well. Our bill was for XXXX and since I would not pay now then it would go to court and be over 1,500 with all of the fee 's involved. I mailed in a check for XXXX to the company they are getting the collections from and he said they would mail it back. He would not accept XXXX this week and the rest in 2 weeks. I contacted the company and they said they would cash it. Had to call XXXX XXXX to get the firms office to confirm the guy did work for them bc of how he went about it and how he threatens to do his collections. I have received no emails or mail just phone calls several times a day and rude voice mails.

Company response to consumer: Closed with explanation