milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2017 about Credit card () with CITIBANK, N.A. (MS).
Issue: Billing disputes

Complaint: I had a Sears Credit Card and used it to purchase a product but during a previous previous purchase of a weed trimmer which was still under warranty and also I had purchased the Protection Agreement ; the weed trimmer stopped working. I took it back to Sears and was told I had to take it to their Service Department and on the second day I took it to the Service Department of Sears and was told that my weed trimmer was a 2 cycle trimmer and Sears policy is to automatically EXCHANGE the product and XXXX in the XXXX MS Service Department gave me a letter and told me to give it to them to get a new trimmer. Well the XXXX Store Manager who had told the floor person to tell me to take it to the Service Department came down on the floor and sort of accused me of stealing ; saying there was no record in her system that I had purchased this product. I had my receipts and protection agreement with me and she had seen them. She proceeds saying I am going to the Service Department myself to see what XXXX is Talking about, as I followed! She accousted XXXX and XXXX turned her monitor around for the Store Manager to see when and where I purchased it and told her to give me a NEW one and she said she could not since not in her system. I stated I am leaving now and left. I got home cancelled my account and paid the balance on my Sears Account minus the cost of the Weed Trimmer of {$150.00}. I Then filed complaints with their customer relations concerning how I had been treated. Explaining I would never DO BUSINESS WITH SEARS again. Sears has the trimmer and I subtracted the cost of the TRIMMER from the balance due in the amount of {$150.00}. Now, that have continued to bill me on a CLOSED ACCOUNT which I closed around XX/XX/XXXX and they have added charges and now the balance is {$390.00} which includes late charges and interest charges on purchases. I want this to stop!! I pay my bills and I dont owe Sears anything!!

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 08/31/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (OH).
Issue: Money was not available when promised

Complaint: I made a {$1000.00} ACH deposit made on XXXX XXXX XXXX, which is being held indefinitely as " Pending '' by Coinbase although the withdrawal has already cleared my banking institution. Many other customers have reported online that Coinbase holds their deposited or withdrawn funds for 10-30 days before release or not at all. 

Coinbase 's website states deposits are either instant via credit/debit or take 3-5 days via ACH, although this is often not the case. Coinbase uses an automated bot to address concerns or complaints on their website, and emails from a live representative are not returned to address concerns. 

I have requested a response about my pending funds via email from Coinbase and have received no response as to what the problem is or a solution to the problem. The delay or failure in processing these transactions as expected, and as noted in the time stated on their website, will cause personal financial distress as I am not able to retrieve my funds in a time frame that they have stated, and in which I would expect. 

I 'm requesting an investigation into Coinbase 's banking and transaction processes, as they require a user 's SSN, a photo copy of ID, and personal residential information to use their services.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Mortgage (FHA mortgage) with GUILD MORTGAGE COMPANY (CA).
Issue: Settlement process and costs

Complaint: Sir/Ms., My loan is closing in appx 14 days. I do not know, but HOPE you can help within the time-frame. The subject is " C. Services You Can Shop For '' change between the original and updated Loan Estimate. 

Summary Change Cost rose 34.4 % ( + {$1200.00} ) from the XX/XX/2016 estimate to the XX/XX/2016 estimate. 
First estimate : {$2400.00}. 
Second Estimate : {$3700.00} I do n't know if they are linked, but the Seller Credit changed from $ XXXX to $ XXXX ( $ XXXX from " Cash to Close ''. IF the two are supposed to off-set each other, then my net INCREASE in the " C '' section rose {$800.00}, or 32.7 %. I do not know of this is legal or illegal. If nothing else the change is unethical to me, and completely deceitful. It has caused high anxiety and agitation. 

Detailed Breakdown From Guild Mortage Company - UPDATED LOAN ESTIMATE XX/XX/2016, as written in the estimate : Date of Change : XXXX/XXXX/2016 Date of Re-Issued Loan Estimate : XXXX/XXXX/2016 Changed Circumstance : Change Affecting Settlement Charges Fee Changes Associated with Changed Circumstance : Received escrow fees and updated accordingly : Doc Prep {$200.00}, Doc Del {$25.00}, End was {$75.00} to {$100.00}, Title was {$660.00} now {$940.00}, Messenger {$50.00}, Notary was {$200.00} now {$250.00}, Rec Svc {$13.00}, Settlement was {$1500.00} now {$1800.00}, Sub Escrow {$62.00}, Wire {$25.00}, Deed Rec was {$100.00} now {$85.00}, Warranty Rec was {$21.00} now {$35.00}. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From Guild Mortage Company - XX/XX/2016 C. Services You Can Shop For Title - Endorsement Fee {$75.00} Title - Lender 's Title Insurance {$660.00} Title - Notary Fee {$200.00} Title - Settlement Fee {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: We have been harassed by phone calls from Regions Bank Collection department in regards to closing our accounts. We sent a letter on XX/XX/XXXX to XXXX XXXX, Quality Performance Management with return of both ATM cards stopping all bill payments and all automatic merchants ' debits from our accounts, and ask the account to be close. This bank has called us over a half dozen times stating that we owe them {$140.00} in fees. We owe them nothing, they took close to {$400.00} out of our direct deposit because they failed to place a stop payment on XX/XX/XXXX, and did not perform the transaction until 10-12 days later. A stop payment request should have been done no more than 3-4 days according to their bank policy. They charge us fees after fees, returned some payments when the account went in total disarray because of their negligence. Now they are threatening us with collection for bank fees and keeps on calling us by phone, sometimes 2-3 times a day each week.

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 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Back on XX/XX/XXXX I disputed a company called XXXX XXXX which was on my Transunion credit report twice for XXXX ( totaling XXXX ). My case number with Transunion is XXXX. Once I submitted the claim it stated that I needed to mail in the information, which I did a week later. A week after that the items were removed. The first week of XXXX I checked my credit report again, and one of the XXXX XXXX came back on my report for {$150.00} and it shows as a new account. I provided proof to Transunion that this item was paid directly to XXXX XXXX in the amount of XXXX back in XXXX  to all the credit bureaus. I attempted to resubmit another dispute which the online system would not allow and to contact Transunion because I am in the middle of the mortgage process and this is causing swings in my credit score. I have not received a response from Transunion. I also contacted XXXX XXXX via email but never received a response. This was done back in XXXX as well.

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 10/24/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I was refused access to my online account because I refused to give their automated system a telephone number. They wish to contact me by telephone when they detect " unusual or fraudulent activity ''. I do not want them calling me or to monitor my account. I check my account everyday. If there is anything unusual or fraudulent, I will see it and report it. The problem is that when you see a problem ( usually in the pending section ), they will not act on the problem or allow a complaint until the transaction actually posts to the account. There has been more than XXXX occasion where foreign transactions that I initiated were stopped ; preventing me from making purchases for items I wanted. So, I do not want them to be making arbitrary decisions about banking transactions that they are not qualified to be making. 

Even the security questions they asked for me to answer did not apply to me or I simply could not answer. The XXXX question I could have answered ( What is your mother 's middle name? ), the system would not accept it. My mother did not have a middle name but an initial ; A. Their system would not accept it. 

Because of this, I am not able to access my account to be sure I am not going to be overdrawn ; which they will want to charge me for.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit card () with DISCOVER BANK (UT).
Issue: Billing disputes

Complaint: For the past several months, I have contacted Discover card via online chat, disputing the fact that my statement does not provide me with complete or full disclosure as to how my payments, including additional payments, are being applied towards my account. It also does not provide ACTUAL current balances still owed, as well as when my promotional interest free period expires. I have attempted to get Discover to provide this information on my statement on XXXX several occasions. I am told, this is general industry practice, and they are well within the law. I do not feel that i have TOTAL disclosure, as they do not provide me with the ACTUAL amount that is being applied toward my balances. They give me the formula that they use to generate their interest charge, and i have to figure it out myself. I do not know how much of my additional pmt being made is actually being allocated towards the higher interest balance, they only tell me that it is going down. I guess i am just supposed to believe this? I have asked that my statement provide the actual balances still owed, as well as the breakdown of actual payments made, and where they are applied, to which balance, as well as when promotional period expires. I do not feel I have total disclosure of my billing, since i can not see exactly where my payment is being allocated, other than they tell me that my balance is going down. I should not have to just take their word, it should be provided to me, in my statement, on a monthly basis, so i can see EXACTLY how much i still owe in each balance, both the higher balance, as well as the interest free balance. If this truly is standard industry practice, I believe it is an unfair billing practice, meant to be vague and deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX loans with Navient right now. One is categorized as a direct unsubsidized loan, and the other is categorized as a direct subsidized loan. Navient is claiming that those loans are XXXX the same and have altered payment history to favor interest payments even when I specify principal reduction payments. They have gone so far as to reverse payments and increase my loan balance only to re-allocate payments again to increase interest payments and inflate my outstanding principal. They keep claiming that it is not them that is taking this action but the department of education which is a false statement. I created a login with Federal student aid to verify if Navient 's claim is true and it is not. It is recorded as XXXX loans. Even the automated letters from Navient claim I have multiple loans and I did recieve correspondence indicating that they were changing my loan due dates to match up for my " convenience ''.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: On XX/XX/XXXX, I received a notice from CITI that they were going to decrease my credit limit because of a " delinquent credit obligation. '' I called within a day or two of receiving that notice and informed CITI that the subject of the " credit obligation '' in question was a fraudulent account that was created through an identify theft. I told them that I had reported that fraud, opened a police report, reported it to the three bureaus, etc. The CITI person told me that I had to go back and redispute the payment history and then call back to CITI again. 

I have made each payment to CITI timely and do not have a single late payment on my credit report, which of course can be verified. 

Today, XX/XX/XXXX, I just finally received confirmation that the fraudulent account has finally been closed, removed from my credit, and that no bad payment history is showing. 

I called CITI again to confirm that this had finally been closed out. However, CITI now tells me that because we are outside of the " 60 day window '' for reconsideration of the credit decrease, that they will not change their decision. When I called in XXXX, I was never informed of any " 60 day window. '' The customer service agent attempted to do a credit increase today, XX/XX/XXXX, and, of course, it was declined. 

CITI has hurt my credit score and credit report by decreasing my credit to an amount close to where my balance is. This makes it appear that my credit is maxed out and hurts my debt to credit ratio. This was all done improperly, even after I notified CITI of the fraud on my account and in spite of going through the effort to have it removed, as they said, but what CITI really has done is to put me on a wild goose chase. 

CITI should restore my credit back to where it was, they had no cause to hurt my credit score in this manner. 

For anyone else reading this account about CITI, do not do business with them.

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 07/22/2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had pulled my annual credit report and seen that I had a debt collection from XXXX XXXX. I sent a letter to the company asking to verify the debt on XXXX/XXXX/2016. I received a letter back including information for XXXX separate debts. XXXX which did not belong to me. They belonged someone with the same first and last name but a different middle initial. The letter included documentation to verify only XXXX of the debts which had an address for the other person. The address listed on the document was not my address and I have never lived at said address. I send a XXXX letter to XXXX XXXX on XXXX/XXXX/2016 asking to verify that this is indeed my debt and why they think it belongs to me. I received a response from XXXX XXXX dated XXXX/XXXX/16 stating again the XXXX debts. They included with this letter a document verifying the other debt and once again there was an address listed for another person. On XXXX/XXXX/16 I sent a complaint to XXXX XXXX stating that are reporting inaccurate credit information based on the documentation previously mailed to me. I explained that I have never lived at either addresses and the person whom they are seeking is not me. I asked that they comply with federal law and remove the debt from my credit reports including all XXXX reporting agencies. I waited over 30 days with no response from XXXX XXXX. I have disputed the debt with all three credit bureaus which have stated that the information was correct and would not be removed from my credit report. I sent a letter to XXXX XXXX on XXXX/XXXX/16 asking to verify yet again that this is indeed my debt. I have not been given a response from XXXX XXXX, and the XXXX reporting agencies have not assisted me in this matter. Experian updated the debt collection from the XXXX XXXX name to their alias which is XXXX XXXX XXXX. Please help me alleviate this collection account.

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 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: BBVA Compass Bank allowed someone to open a XXXX debit card in my name, via on-line. I received the card in the mail with only my e-mail incorrect as I would have received something of a thank you for doing business with them which would have alerted me to stop use of the card right away. 
When asking BBVA for verification of identity information provided to this bank, proving they were me, I was told they did not provide that information to anyone. Soooo, someone else can get a debit easily and fraudulently but the victim has no rights. Got it!!!! However on my SECOND call, ( in the US this  time ) I was sent a fraud packet to complete. Problem ... .the information they asked for was everything but blood type which, if not legit, would give these people access to EVERYTHING. I do n't think so!!! They did stop the use of my card right away by putting a hold on it ; not sure if that means the card goes away. I believe not so I am using this government agency to stop this completely and with the addition of security of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to the credit Bureaus I have 2 account with XXXX XXXX XXXX. I do not have 2 accounts with XXXX XXXX XXXX. It also shows that one or both is a secured card with a security amount of XXXX. It does not show what bank account or credit card number was used to fund this account nor does it give me information about how this XXXX balance was rendered. 
When I reached out to the company both via mail and phone I was told its was verified. They also sent me some documents that appeared to be an application. I contacted them via phone and wanted to speak to the legal department, they returned that this is not a legal issue its a customer services issue and someone would call me to have the information removed. That was 10 days ago, I 'm filing this complaint because, I 'm having trouble getting the account properly disputed with the credit bureaus and when contacting the creditor it is equally as non- informing.

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 01-12-2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to receive a loan modification from Nationstar for over a year with the help of XXXX. A law firm that I hired that solely is committed to helping people work with Mortgage Companies to avoid foreclosure. I have been denied four different times. Each time the reason has changed. The first time my income and my mother 's income were used, we did not have enough disposable income. My son moved in with me and we used my income and his income Nationstar calculated the numbers wrong and XXXX appealed the denial. A third time the numbers were calculated wrong and another appeal by XXXX that shows we have XXXX in disposable income well over the XXXX disposable income required by Nationstar. The last denial was because the Net Present Value of my home is lower than the XXXX that is owed. My house is now in foreclosure, and the sale date is XXXX/XXXX/XXXX. 
As a XXXX I am absolutely certain a XXXX square foot home on a lot and a half in the XXXX Metro area is worth more than XXXX. The last appraisal that was done on my home was XX/XX/XXXX and the value was XXXX. Furthermore, many exciting things are happening in XXXX. XX/XX/XXXX the voters approved new infrastructure and roads throughout XXXX. XX/XX/XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX an XXXX state of the art XXXX school. And construction is underway for XXXX XXXX homes all within my District. All of these have increased the value of homes throughout XXXX, I find it very hard to believe that my home would be excluded from that increase. 
Also, I have filed a complaint with the Federal Consumer Financial Protection Bureau as well as the Colorado Attorney General. My feeling is that if Nationstar is adjusting numbers and criteria to continue to deny my modification it is not an isolated case and others are also being unfairly denied.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I am with Bank of America now I was charged XXXX times for XXXX items that were okBut not XXXX extra times XXXX is legit but XXXX are notI was charged a overdraft fee when I was n't overdrawnThis is not the XXXX time they have tried to do this I catch themEach time now they do n't want to change what they did wrongAnd the posting of items is false

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I recently complained  to Consumer protection Bureau about Unauthorized access by Navient group of companies. Today when I checked my ac count, they have cancelled auto pay and I am unable to add any of my bank accounts and my loan account shows over due payment by 2 days. I tried to add a different account and I am unable to do it either.   XXXX  Navient seems to have serious problem with their automated transactions. I need help and I need to keep my loan payment current. I have never been delinquent and have completed  XXXX  loans well in advance.   XXXX  Please assist.   XXXX  Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation