milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: I had a Preferred Thank you card with Citi which I cancelled when I was bill an annual fee. When I cancelled I agreed to continue my relationship and Citi offered me a no annual fee card which I agreed to take. Citi send me a written confirmation of the cancellation of the Preferred card cancellation. 
I just received the first bill on the new card and it contained a {$95.00} previous charge ( The annual fee from the cancelled card ), a {$25.00} penalty and a {$3.00} interest charge. Citi deigned to reverse the charges after an hour call and said the {$95.00} fee would have been reversed later after 60 days expired from the cancellation date ( and cancellation period was required by law ). That may be true but they were silent with respect to the interest charge and the late fee. 
There practice seem just wrong and Citi should be required to change their policy or at the very least suspend the imposition of a fee on a cancelled card!.

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 07-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I applied for a capital one card with a promotional code that was send to me and was approved for XXXX cards. One was for XXXX and the other XXXX When filing out the application I put in my personal information and received an alert that I had XXXX inquires on my credit report. I created a user name and password and was giving immediate access to my card and was able to use them. Capital one is decided that the promotional codes were sent out in error and it was a glitch. The company has since restricted access to my cards, I 've called the fraud team and they are giving no information. I want to know what I need to do as a consumer so that this does not affect my personal credit. I would have never applied for this card had I not received the email and I feel it was bait and switch. Another concern that I have is how will this be reported to the credit bureaus? How will my utilization be affected as thisis 30 % of my score. I do not feel it is fair for them to approve a card, mail it, then restrict it with an explanation to what happens next.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Bank account or service (Checking account) with Synovus Bank (SC).
Issue: Problems caused by my funds being low

Complaint: I bank with XXXX a division of Synovus. I have been a customer of theirs for almost 5 years now and have never had an issue until this month. In the end of the month of XXXX 2016 I was assessed several overdraft fees that I should not have been charged for, as I had a positive balance. After calling and speaking with a supervisor, they refunded half of the service charges. Then again at the end of XXXX 2016 I was assessed XXXX overdraft charges, and XXXX of them were in error. After calling the customer support center again, they only refunded one of them instead of both. This is becoming a problem that has already cost me over {$100.00} this month. As I said prior, I have been a customer of theirs for several years and just started having these issues this month. After speaking with them today, they told me that they would no longer refund any overdraft transactions, including if it was an error on their part. Being a consumer, this made me very upset and is the reason I have decided to file a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: Today,XX/XX/XXXX, I have dismissed the recent litigation against SPS. So please answer my questions. 

I am again requesting a criminal investigation with you, among other investigative institutions. This request for investigation is based on tax evasion, money laundering, predatory lending, deceptive trade practices and fraud. 

I requested the name of the XXXX XXXX that my note was in, and have not received it yet. XXXX XXXX XXXX XXXX XXXX XXXX was the original lender on my note, not XXXX XXXX Mortgage XXXX as illegally placed at the lender on my note. With this Deed and note publicly recorded, XXXX XXXX XXXX may have committed Fraud, Forgery, Perjury, money laundering, among other crimes. 

My note has been through Assignments several times ( Attached ), each of which appear to be Fraudulent with signatures of Bank Employees, not XXXX XXXX XXXX XXXX XXXX XXXX employees, which went out of existence on XX/XX/XXXX and could not sign or transfer any documents or Assignments ( As attached ). Since XXXX XXXX XXXX XXXX XXXX XXXX had no authority to remove or assign my above note after XX/XX/XXXX, why were there Assignments in XXXX and XXXX? 

Each signatory of each document should be investigated to determine if they were in fact XXXX XXXX XXXX XXXX XXXX XXXX employees, or Bank Employees creating Legal Documents to Defraud the Homeowner. 

I have sent a XXXX asking basic accounting questions about records which SPS does n't seem to have.

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 05/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have sent requested documents to Wells Fargo from their office fax machines, yet they claim not to have received 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 non-monetary relief
Consumer complaint received 01/16/2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being " locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.

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 12-12-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MS).
Issue: Confusing or missing disclosures

Complaint: Coinbase closed my account immediately after only two transactions, claiming that I was using my account for purposes not sanctioned by their company 's bylaws. This company deals exclusively with virtual currencies, such as Bitcoin and Ethereum and charge additional fees on top of every transaction you perform and have been known to swindle customers out of vast amounts of money for no apparent reason whatsoever. These customers are only given the option to remove all virtual currencies from their accounts within 30 days or else they will permanently freeze your funds so that they can never be accessed again. In my specific e-mail I was told that I was using my account for purchases or transactions that were " illegal '' when I used my bitcoin to purchase a collectible decoration from overseas and using bitcoin was easier to use than to perform a wire transfer and cost less money to do so. Because I had a problem with the product I received, I could not refund the item because refunds had to be made to the same Bitcoin wallet address that funded the transaction and therefore I am now stuck with a broken product and no way of recouping expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: Contacted XXXX XXXX and requested why the credit was pulled twice in two day for the same card. They told me that they cant help me and to call the reporting company Equifax. I called them and they said that I needed to clear that up with XXXX XXXX. 

I 've been getting the run around and both are unwilling to correct this hard hit on my credit card for a single inquiries they have reported two inquiries in error and will not correct it. 

XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX Hard inquiries in error Thank you for you help in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ditech Financial LLC f/k/a Green Tree XXXX  XXXX received fraudulent information using my credit to secure a modification/refinance loan that belongs to my ex-spouse. All correspondence and documents were sent to an address I never resided/lived at. I have tried to resolve this issue, unfortunately to my dismay, this mortgage loan continues to appear on my XXXX and XXXX Credit Reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Trouble during payment process

Complaint: Back in XX/XX/XXXX I responded to a mailer from a Company called XXXX XXXX XXXX XXXX, for help with re-modification on our home. 
I called the following day spoke with a gentleman named XXXX XXXX, we had a conference call with XXXXXXXX XXXX who is the holder of my mortgage, everything seemed great they sent me papers to fill out we sent them copies of a financial work sheet, prior XXXX tax forms and four weeks of our pays stubs. 
Finally after about two weeks went by I got a phone call to say we were approved for the modification but we had to make four payments of {$970.00} by the first of every month until XX/XX/XXXX then you will get you final payment. 
Well we made all of our payments to them. 
There address were the checks went to was as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number which no longer works XXXX XXXX Ext XXXX We are out {$3900.00} now and can't recover this loss.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have a student checking acco unt with Fifth Third B ank that I have had since my freshman year of college. I have remained a college student since, without taking any time off. Without my knowledge, and without the bank notifying me, my student status had expired until I went into the bank with a student ID to prove I was still going to college. Since the bank no longer considered me a student, I was being charged $  XXXX  month  for having the account. This expired in  XXXX   XXXX , and I did not realize until  XXXX   XXXX , by which time I had been charged {$11.00} for 5 months. When I realized this, I went to the bank with my student ID to show them I was still a college student. They renewed my student status, but I was still unfairly charged with {$55.00} total. I called customer service to complain, and they replied that they could only refund {$11.00}. After further complaining to th e manager, I was refunded an additional {$19.00}. However, I am still down {$25.00} that was unfairly stolen from me . I was being charged even though I was a student the entire time. I am currently workin g 45 unpaid hours per week at a   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . While it is a very minimal amount for the bank , {$55.00} is a substanial amount of money to me since I do not currently have an income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (CT).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Hello, I have an  XXXX  and my account is updated and fully funded.   XXXX   is provided via   XXXX   XXXX   XXXX   website. During my travel from   XXXX   to  XXXX  via  XXXX , a single toll detector might have failed to detect my displayed   XXXX   in the windshield. Then I received a traffic violation ticket from with the   XXXX   XXXX   XXXX   (  XXXX  ) to {$58.00} for a {$9.00} toll fee.   XXXX   gave me the opportunity to explain the violation, which I did in a timely fashion. I explained to  XXXX  that as I drove from   XXXX   to  XXXX  and back while stopping at a number of tolls, so to have only one toll violation directly points to a faulty detector and not my lack of willingness to pay the single toll at that station.
Next, I receive a threatening letter from Transworld Systems inc, threatening me to pay a {$58.00}, without knowing where or who it is or even providing any specific explanation. I am not sure what entity Transworld Systems Inc is, a branch of   XXXX   or the muscle to collect for  XXXX . Moreover, it is unclear where is it located? This is the address that appears : Transworld Systems Inc.   XXXX   XXXX   XXXX  ,  XXXX , OH  XXXX .
However, there is yet another address that appears on the collection letter :   XXXX   XXXX   XXXX    XXXX , DE  XXXX .
Please investigate, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: FedLoan Servicing is the worst company I have ever dealt with. They have terrible customer service, do not follow the law when it comes to the terms of forgiveness programs, and put my account into delinquent status for 2-3 weeks every month because they do n't process payments in a timely manner.
My current issue relates to making loan payments with my XXXX XXXX XXXX XXXX. They ca n't seem to process these correctly. I have to call several times each month to check on the status. I am currently on the phone with the 4th person I 've spoke to this month about my payment made on XXXX/XXXX/2017, which they have apparently " lost ''. This is the first person that stated the payment is not showing in their system. The other 3 stated that it would be processed soon. The payment they have no record of. Did those 3 even look at my account?
Additionally, they have cheated me out of almost 3 years of qualified payments under the Public Service Loan Forgiveness Act. They refuse to follow the policy in the PSLF documentation in terms of awarding up to 12 months for lump sum payments made with the XXXX XXXX XXXX. I have been calling them about this issue for months and they refuse to do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint concerns a proposed short sale transaction involving the primary residence of borrowers in XXXX County, Florida. This complaint is filed by the law firm representing the defendants / borrowers in the subject foreclosure action. On or about XXXX XXXX, 2016 a complete short sale package including an offer and all the supporting financial documentation of the borrowers was submitted to Di-Tech as the current servicer for note owner, XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX, 2016, our law office was notified verbally that the short sale had been approved. However, on XXXX XXXX, 2016, the undersigned attorney received an email from XXXX indicating that the Mortgage Insurer on the subject loan ( XXXX ) would not agree to the short sale that had been approved by the investor on the loan. In fact, upon further follow up it was discovered that investor would not negotiate in good faith with Mortgage Insurer in effort to seek a resolution whereby investor would pay an agreed negotiated amount of net proceeds from the short sale to Mortgage Insurer, as is common and customary. Further, investor/ servicer refuses to provide the mortgage insurer contact information this law office in order that we may be able to help negotiate a resolution. Most recently, representatives of Di-Tech have not returned phone calls or emails. The basis of this complaint is the failure of good faith loss mitigation processing on the part of Di-Tech and XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 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: Account status incorrect

Complaint: Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the XXXX, Experian and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I checked my credit report and found many fraudulent accounts. I notified the companies and all three credit bureaus and they said to get a police report. I went to the police filed the identity theft report and submitted it to the bureaus and the creditors and the fraudulent accounts ( XXXX XXXX XXXX ) remains on my equifax file. This is not right, I am a victim of identity theft and never authorized these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (KY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I had the citi XXXX XXXX card. I received literature stating the card would come to an end in XX/XX/2018 due to XXXX XXXX taking full rights to XXXX. They were replacing the citi card with an XXXX card. I already had that card. I had planned on keeping my citi till the end but in XX/XX/XXXX ( less than 4 weeks till the card expired ) citi billed me {$95.00} for an annual fee. I called them and explained I didnt understand why they were assessing a fee when the card was up in less than a month. The agent told me I could cancel it without losing my yearly weekend night bonus ( this bonus is awarded if you spend {$10000.00} in a calendar year which I had done ). They now refuse to give me my one free night certificate which I earned. This whole experience has been shady to say the least.

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 06-05-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I had a  XXXX   XXXX   XXXX  credit card and used it twice for my own purchases and paid them off. Then a person I was living with stole my card and charged over {$500.00}. I tried contacting  XXXX   XXXX   XXXX  to dispute the charges but they said that they would not because there is no way that someone else used my card. I told them that I refuse to pay a debt that is not mine but they persisted and then after not receiving money for a year they sent it over to collections. I am just now finding out that I can dispute the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NJ).
Issue: Money was not available when promised

Complaint: Hi, I sent a domestic wire of {$7500.00} to Coinbase on XX/XX/XXXX. I have yet to receive the funds, nor have I received any estimate on when my funds would be available. Coinbase 's bank, XXXX XXXX, has confirmed receipt of my {$7500.00} on XX/XX/XXXX. I've called four times, opened four support tickets, and I've gotten the same " in 5-7 business days '' response since Day 3. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I closed my checking account with this bank last year and made sure the account was closed with a {$0.00} balance. I 'm now seeing that they are reporting a charge off amount for the account! Nothing was owed to them and they would n't even let me close the account with funds still in the account which had to be withdrawn or spent, so how is it possible to charge off an account that was  MY  money??? Not only that, but since the account has been " charged off '' the balance is continuing to increase. Also, this same bank pulled my credit as a hard inquiry in   XXXX   XXXX   XXXX   even though I do n't have any accounts with them or ever gave them permission to run my credit.I live in a state that this bank is n't even in and have no need for their services so I would n't have been looking to take a loan out with them.

Company response to consumer: Closed with explanation