milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Using a debit or ATM card

Complaint: Regarding Bank of America Lack of Access to Fraud Reporting Today, XXXX XXXX, 2016 at XXXX PDT I called to report fraudulent activity on my checking account. I sat on hold for 24 minutes with the fraud department, then was transferred to claims for another 16 minutes, in all, it took 58 minutes to report an unauthorized transaction. 
Both Fraud and Claims department are seriously understaffed while the voice on hold says my time is valuable and maybe I should call to make an appointment to go to the bank. Though, when fraud is reported at the bank, they just point you to a phone in the corner. 
I 've spent less time waiting on IRS. There is a general withdrawal of services by BOA and I feel it is a serious oversight in staffing for FRAUD when a consumer must sit on hold during workday for an hour. 
XXXX XXXX XXXX XXXX, 2016 XXXX to XXXX holding for a person in the fraud department. 
Phone : XXXX XXXX to fraud department prompts XXXX XXXX, 2016 XXXX to XXXX then holding for person in claims department. 
Transferred to XXXX XXXX ( claims )

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Previously disputed a Chapter XXXX bankruptcy reporting on credit report. Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted. Credit bureau responded that investigated and found information to be accurate. However, credit bureau has not and continue to omit any requested documentation proving verification. I have contact court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties.

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 10-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I originated a mortgage loan with XXXX XX/XX/XXXX maturing XX/XX/XXXX.The loan was taken over by Wells Fargo Bank which insisted on payments to be made across the country and would not accept payment at their local branches. I found this policy to be extremely inconvenient and accelerated the repayment over the next 10 years. A large principle payment was recently made leaving a small principle balance remaining. I received an unsolicited payoff demand from Wells that accelerated the loan thus violating the remaining term of our agreement. It further demanded a payoff fee of 8 times the customary cost associated with a reconveyance of the loan and demanded immediate payment by wire transfer at an additional expense to myself. While I paid the remaining principle balance plus interest due I did not include the invisible payoff fee. I consider the fee to be outrageous and would like to see it removed.

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 10-08-2017 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (OH).
Issue: Charged fees or interest you didn't expect

Complaint: Both my husband and i went to ace express, inc. # XXXX at XXXX XXXX XXXX XXXX, XXXX ohio XXXX, XXXX XXXX XXXX XXXX on tues XXXX XXXX to make an interset payment on our payday loan. we were informed that the interst payment had doubled. I paid my {$21.00} and was told that my interest payment went from {$21.00} to {$33.00}, my husband was told that his would be doubled from {$50.00} to and extra {$50.00} to make his interest payment {$100.00} a month. If we already have a payday loan and paying on it how can they raise the interest payment higher untell we pay it off. We can understand if we paid the loan off and reloaned. next month my loan will be paid off but there is no way im paying the extra {$33.00} with the {$100.00} i borrowed. It should be only {$120.00} not the {$130.00}. My husband will be paying an extra {$100.00} on his loan before he pays it off in full. With this comp when you get a payday loan you pay 4 interset payments before you pay the loan off that is how it has been for the past 2 or 3 yrs. If they are raising the interest payments they should wait till we pay our loan off and ask us if we are reloaning, if we are reloaning then they can inform us that the interset payment will double, if i had knowen it on the 3rd i would have paid mine off in full the {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: The Company Coinbase Has Been Holding My Money For About 3 Weeks. 
I Have Been Trying to get a hold of it and does not seem to work. I emailed them. no response. called them. no response. I am now reaching out to you guys because they refuse to give me access to my personal account. please help

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Student loan (Non-federal student loan) with ZWICKER & ASSOCIATES (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Between XX/XX/XXXX and XX/XX/XXXX, I cosigned for my son a series of XXXX student loans through XXXX ( XXXX XXXX XXXX XXXX ). XXXX months after XXXX, he began the process of repayment. At some point in the following XXXX years, my son failed to make regular payments and the loans were subsequently turned over to a collection agency called Zwicker & Associates , P.C . 
When they reached out to me for the first time, I was stunned to find out my son and I were into this agency for roughly {$31000.00}. I explained to them that I as a cosigner, had never recieved a notice of delinquency from anyone, not XXXX, nor Zwicker. I asked them to produce notices of collection which they could not, instead steering me back to XXXX who when I called, refused to speak with me. 
My son since made an arrangement to pay them {$300.00} a month for XXXX years and that has now been increased to {$400.00} at 12 %. For a young man starting a career, that is a large sum at ridiculous interest which will take him years to pay off. He also has about {$80000.00} in additional student loans he 's paying down. What I would like to see is any type of collection notice sent to me as a cosigner. I would also like to see something done to eliminate the high rate of interest on these loans. I do n't dipute that the money is owed. What I am questioning is why I never recieved delinquncy notifications as a co-signer. In addition, this all went on my previously clean credit report as charge off 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian does not allow consumers to quickly freeze their credit online or by phone. It has insufficient and unsatisfactory means to contact them for problems with placing credit freezes. 

Their website includes misleading and incorrect information and there is no way for a consumer to actually contact them about security freezes. 

On XX/XX/XXXX 2017 -- after I found a fraudulent charge on one of my credit cards AND found out I was part of the Experian data breach -- I attempted to freeze my credit at all three main credit bureaus. 

The Experian website did NOT allow me to place a freeze, instead directing me to MAIL all the needed information -- including sensitive information like my complete Social Security Number and other identifying information -- to an address. 

( Specifically, I entered all my information correctly online -- as I had at the other two credit bureau sites -- and Experian would not allow a credit freeze to be placed. It simply said they were " unable '' to do it ... no explanation about why ) Because I had just been the victim of fraudulent charges, I did not want to proceed by mailing all of my sensitive credit information by the postal service. 

The website said however, that security freezes could be placed by phone. This web page clearly states they can be placed by phone : https : //www.experian.com/blogs/ask-experian/how-to-add-a-security-freeze-to-your-credit-file/ However, when you call the stated number, you can not. ( It 's not that there was a problem specifically with ME doing it ... if you go through the lengthy phone tree, as soon as you select that you want to place a security freeze by phone, the message says you ca n't )

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I previously got a loan with XXXX XXXX who was switched yo Navient. My loans have increased tremendously and I can not afford to repay. I do not have an option to decrease my monthly payments. This is not what I signed for

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (SC).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have a credit card with XXXX, which is a subsidiary of Barclaycard US. Their rewards program promises a {$100.00} credit for each XXXX points redeemed. 
I contacted XXXX in XXXX XXXX ( I believe XXXX XXXX XXXX ) to redeem XXXX points. I was told my account would be credited in about 10 days. When this did not happen I called again to check and was told it would be taken care of and my account would be credited in about 10 days. I was given a case # XXXX. Again this did not happen. I called several times, including XXXX XXXX, when I was told they would look into it and gave me a case # XXXX. By this time I had earned additional points, so I told them to redeem XXXX. 
About one week later I saw that XXXX points had been subtracted from the account, but nothing had been credited. I called again on XXXX XXXX and was told they would check, it would take about 10 days. I explained I had been told this several times without any action, and I wanted to talk to someone at a higher level. I was told someone would call me within 24 hours and given another case # XXXX. 
Someone did call me XXXX. He did not have any more information than any of the previous individuals I had spoken with. When I told him everyone I spoke with had told me my issue would be resolved in 10 days he said it will now take 30 days. He also said they only redeem reward points on line, not by telecom. I told him I have been a card holder for many years and had always redeemed reward points by phone, Also none of the individuals I had spoken to previously had told me that, including the first person who said she would process my request. 
My concern is that XXXX ( Barclaycard US ) appears to have no process to resolve claims. Each person I spoke with would tell me that the redemption would be taken care of, but could not tell me why it had not yet been accomplished. They can see there were cases opened, but could not tell me why they had been closed without action. I request your assistance to resolve this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ( last 4 ) - XXXX DOB 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 09/27/2016 about Debt collection (Mortgage) with Ditech Financial LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I got a loan from XXXX. this loan was sold to green tree. Green tree then foreclosed on the loan and took possession of the property and sold it. they then sold the loan to Ditech. Ditech sent me a XXXX form to pay taxes on a loan that was foreclosed and stayed on my credit report for 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information no knowledge of accounts on the breach of Equifax sent po report XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax verified this public record as accurate but I called my court house and my court house said, Equifax never called them or sent them any letter verifying this information. 
Now I am requesting the method of verification used to actually verify this item and according the case of XXXX XXXX XXXX v Equifax, XXXX XXXX and XXXX XXXX remember you have to do a real dispute and actually verify it. Hiring a 3rd party service does n't work for this purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Credit card) with Timothy C. Runyan, P.C. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I went to XXXX in XX/XX/XXXX with a XXXX debt.a firm purchased it and sued me while in XXXX.I was given something to sign by a guard.was n't given a chance to read it, ask questions or anything.did n't receive a copy.only legal advice I got was guard saying it would n't matter by the time I got out.when I got out in XX/XX/XXXX.I got a job and suddenly my wages are garnished.me nor anyone else had any idea that firm had been charging twelve percent interest the whole time.no attempt was made to inform anyone of anything.I panicked at the garnishment and made a deal for weekly payments.I 've been paying every since.they 've collected twice the original amount and I still owe.I feel the way they handled the situation was sneaky, underhanded and just wrong.it 's hard enough for an ex felon to make a living without this.I need insurance, dentures, my kids need help but any money I have is going to the firm

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have over {$130000.00} in school debt. I worked with the XXXX and XXXX from XX/XX/XXXX-XX/XX/XXXX. All were with XXXX and XXXX children. I applied for loan forgiveness and I was denied several times over. I 'm not in the business of making a lot of money. I 'm XXXX. I should have a significant amount of my loans forgiven- at least XXXX. I 'm still in XXXX and still helping children. What I have in my XXXX is LESS than what I owe. I will be paying until I die, and I wo n't be able to leave my children without debt. Is that not why we are encouraged to pursue higher education? I was sold false hope, but I did not give up. I 'm still striving for children, and I have debt to show for it. It is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COMMUNITY CHOICE FINANCIAL, INC. (ID).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Someone had fraudulently opened a personal loan in my name at Cash Central, strictly an online facility. I filed a fraud report with the Federal Trade Commission, XXXX XXXX and XXXX Cash Central had me on hold for 4 hours while waiting for their consumer affairs department. After hour 6, a recording came on saying the phone call was out of normal business hours and to call during those hours. I called the next day at XXXX mountain time. Customer Service connected me to the Consumer Affairs where XXXX took my information and put me on hold for another 3 hours. Finally another individual picked up but would not tell me her name. She finally finished getting my information and told me they do n't send the forms out for 48 hours and that I have 4 days to get the form back to them with a police report number. Day 2 and I have not received any form or correspondence from Cash Central. XXXX Ut Police Department has 230 cases of fraudulent activities from this company. They wo n't except the fraud forms and take the victim of fraud to collections for a loan they did not request. This company is fake, actively seeking anyone for their personal information.

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 01/26/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: This may also be a credit card complaint. I was issued a credit card over two years ago from a Wells Fargo branch that I did not authorize in any way. The teller asked me if I wanted overdraft protection on my account since my husband had it. I said sure and went along with my banking that day. When I received a card in the mail asking for activation I immediately contacted the branch and made a complaint. Action was taken with the employee and I never authorized my card. In XXXX 2015 my husband was reviewing our accounts and found that we had a late payment for about {$500.00}. This was stressing because we are very much on top of our accounts and have over XXXX credit scores that are very important to us and our business. We went into the same bank branch to determine what happened and it turned out that we overdrafted money one day when we made a withdrawal just before we deposited more money. This kicked in the overdraft credit card that I never authorized or even knew we had. We immediately took care of our charges, and asked the bank to remove the financing charges and any impact this would have to our credit. They removed the financing charges and we wanted to close the card, but they said it would impact my credit score. This seemed really unfair because I never approved this card, found out two years later it existed, and now ca n't close it without a negative impact on my credit. We had multiple conversations with the branch manager and it was moved up to the highest level of Wells Fargo, or at least that is what we were told, when they denied us the opportunity to close the card without a negative impact on my credit. I am reporting this in full as a complaint on the issuance of the card and the bank handling correcting a mistake. This has taken over six months to get the decline from the executive level of the bank and many hours of frustration as a consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Rewards

Complaint: My account was closed by XXXX on XXXX/XXXX/16 by the bank, however, I have earned rewards of XXXX Worldpoints that are clearly visibility on the website as I type this but I am unable to redeem because the account is closed. I called XXXX on XX/XX/XXXX and they said I would receive a letter in 5 days. Today XX/XX/XXXX, I received notice that because the account is closed I could n't redeem rewards. It was not my choice to close the account, and I should be able to cash out my rewards earned. Please have XXXX send me a check in the amount of {$1000.00} which I could normal redeem these rewards for if the account is open. It is bad business by XXXX to close my account without my consent. I have been paying the account as agreed with no late payments and should be able to cash out rewards. Please have XXXX contact me at XXXX to discuss sending my rewards or legal action may be required. 

Sincerely, 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 09-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have not received report from information been disputed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I had applied for a HAMP Loan Modification with Nationstar Mortgage, during XX/XX/XXXX and submitted all the required docs from time to time. Initially they refused to consider me for a HAMP Loan Modification, because I did not default on my Mortgage Payments. However I sent the attached letter dated XX/XX/XXXX, through CFPB. They responded to this, through their letter dated XX/XX/XXXX ( copy attached ) expressing their regret that they did not evaluate me for a HAMP Loan Modification and assured me that they are going to do this. However, their attached letter ( dated XX/XX/XXXX ) of rejection came as a surprise to me. It simply says, '' Insufficient Payment Reduction '', as the reason for denial, without giving any specific calculations whatsoever. According to me, if the 4 Standard Waterfall Steps of HAMP are followed, there can be about 32 % reduction in my Monthly PITI Payments.

Company response to consumer: Closed with explanation