milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2017 about Student loan (Federal student loan servicing) with CITIBANK, N.A. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I asked Citibank for a payment history of my Student Loan. I have called Citibank several times asking for the payment history from XX/XX/XXXX to XX/XX/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 02/23/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a bank statement that was a couple weeks old. I noticed on the mortgage statement that my address was listed as XXXX and not the correct address of XXXX. I called BOA and was on the phone for over 30 minutes. It was unclear how and when it was changed. I went through all of my recent statements and learned that it was changed sometime between XX/XX/2016 to XX/XX/2016. I have been missing bank statements and now I know why. This was not the first mistake by BOA. Recently I was charged a series of fees by BOA that were removed after I learned that these were mistakes made to my account. I have continuously disputed the negative remarks on my credit reports but these mistakes are getting ridiculous by BOA. I believe that my address has been updated but now when I run my credit report XXXX appears on my credit report. I have never lived at 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 non-monetary relief
Consumer complaint received 08/16/2016 about Mortgage (Conventional fixed mortgage) with Fortren Funding LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Please refer to case # XXXX. Realize that I have gotten XXXX different excuses from fortren funding and the title co, I Abstract on the whereabouts of my cashiers check in the amount of $ XXXX.First it was towards the title fees, Then I was told that XXXX failed to pay my taxes, then I was told that I spent the disbursement money for something else.Be advised that XXXX does n't have a clue to what he is talking about because he had nothing to do with this loan at the time.XXXX XXXX who stated that he was the Sr. loan officer taking this over on behalf of XXXX who I started this process with..It turns out at this time that the Title Co.in fact however discovered, that cashiers check did get lost and I should be expecting that check back according to XXXX at I Abstract Title Agency for the full amount.I was told this on XXXX.Now the funds that I have been paying for the last 18 months towards this shortage is the question of matter on how this gets fixed and recovered.Therefore, If I add up {$200.00} times the last 18 months comes out to {$3600.00}. And this is why I am not going away anytime soon about this factor.This is the reason I am and have been requesting a hearing so we can go over step by step with the proper authority and that the proper protocol was followed. In fact what XXXX XXXX does not want anyone to know is that I was told from him in early XXXX of 2015 not to draft anymore payments from my checking account to XXXX. When I checked my account on XXXX XXXX I was told from XXXX XXXX no action was taken yet and my taxes were still due. I had called XXXX and cancelled this deal immediately for misleading me..At this point is where XXXX XXXX called me up and explained to me that he already spoke to XXXX and that I had a grace period til XXXX XXXX, to pay those taxes in which " I would put the funds out in a cashiers check to the title when she arrives at my home on XXXX XXXX 2015, and that I will be getting most of these funds back in a month or so costing me about {$500.00} in out of pocket expenses '' And " that I should not have a problem coming up with {$2400.00} since I would be skipping 2 monthly payments '' ... I also have this document in writing from XXXX and XXXX XXXX in an e-mail.This is probably why XXXX is defending him and every time I call XXXX to discuss this matter to go over documents he blows me off and pretends nothing happened because the man is running and he is hiding from me ... yours truly XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NC).
Issue: Fraud or scam

Complaint: Dear CFPB, The price of Ethereum crashed to as low as XXXX cents from around {$310.00} in about a second on the XXXX cryptocurrency exchange on XXXX XXXX 2017, which is being blamed on a " multimillion dollar market sell '' order. <P/>Ethereum is an alternative digital currency to bitcoin and had been trading as high as {$350.00} on Wednesday. A big price fall triggered 800 stop-loss orders and margin funding liquidations caused Ethereum to trade as low as 10 cents for 1 second before going back to a normal market value. <P/>A stop-loss order is a trade that is executed automatically once a security in this case, Ethereum hits a particular price. Margin funding is essentially trading with borrowed funds. Liquidation is when these positions are closed automatically in order to prevent further losses. The knock-on selling effect caused the flash crash on XXXX thus resulting in Liquidation off everyone 's funds. <P/>When you are called, you have to have the time to place the money in the account. What we have here is not true margin, it is leveraged, calling it margin in its own right if it wo n't behave as the SEC/FINRA/XXXX defined margin is fraudulent. <P/>The link to a chart below is a screenshot of the GDAX price showing the high and low price. XXXX XXXX XXXXXXXX I do n't mind being margin called. I DO mind not having access to a system that allows me to fund my account to prevent the call ( as is required in all US brokerage services ) All this resulted in me losing {$14000.00} because of this margin call. Screenshot that shows my account being margin called : XXXX XXXX XXXXXXXX Thank you for taking the time to read this.

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 Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i Sent certified letters with the return receipt over the past 3 months and the credit bureau refused to correct my 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 non-monetary relief
Consumer complaint received 10/13/2015 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of identity theft, I have filed a police report, I have an affidavit, someone opened an account with TD Bank USA/Target without my knowledge or consent, I have forwarded all this information numerous times to the creditor and I am being ignored, this account does NOT belong to me! and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: I took a trip to XXXX, XXXX XX/XX/2016 and made several attempts to withdraw money from a bank ATM. I was not able to withdraw money in XXXX banks that I tried. I then logged into my online bank account to make sure my travel notification for my debit card was on. My credit cards travel notification were on, however my debit card was not so I turned it on. After turning it on, I again attempted to withdraw at another bank ATM. Again I was not able to so I gave up for the night. Later that night I logged in again to my online account to see {$410.00} was taken out of my checking account. I called Chase to report it and explained to them what happened ( only thing that could have happened : card cloning ) and they " gave me credit due to ATM dispute '' of {$410.00} and {$5.00} ATM fee. About 3 weeks later I am on another trip and I am checking my online account to find " reverse credit for ATM dispute '' of {$410.00}. I called Chase to try and figure out what happened. What they said was that they had evidence that what I had initially said was not possible. I asked them for their evidence and they basically said that it is physically impossible for someone who does not have my debit card to take money out of a ATM because it is a chip enabled card. In total I talked to XXXX representatives and they all said the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Problems caused by my funds being low

Complaint: I am filing a complaint in hopes of receiving back the thousands of charges that 5/3 has charged me. I had some extenuating circumstances with my employer, XXXX, where they changed our entire global pay system, and I did not receive a paycheck for the month of XXXX 2016 basically. In that time, 5/3 put through several of the same charges, 3 times, incurring a {$75.00} fee for XXXX transaction, to the tune of {$1600.00}, in 3 months. I wrote to XXXX XXXX, the Presidents office, 3 times, pleading with him to reverse, at least the second and third fees on each XXXX, I am willing to pay for XXXX {$35.00} fee per transaction, but XXXX seems exorbitant. Here is a list of the dates and charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} in bank fees in 90 days. 
If XXXX of those are valid - it means {$1100.00} are second and third time charges for the same debit attempt. 

I am asking for {$1100.00} back to me for the second and third time attempts. They told me no, they cant refund me any fees more than {$74.00}. I think this is atrocious. 
Feel free to contact me. I feel that this is heartless and that they are taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Capital Accounts, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2016, I received a debt collection letter from a company called Capital Accounts in the amount of {$310.00}. The only information provided was the name of the person retained by them, XXXX XXXX XXXX. On XX/XX/2016, in a written letter, I requested proof of the debt, the amount, date and time when incurred pursuant to the Fair Debt Collection Practices Act. On XXXX, I received a XXXX debt collection letter from Capital Accounts, ignoring my request for more information as outlined in my XX/XX/2016. In this XXXX letter the amount went from {$310.00} to {$310.00}, no explanation for the increase. Also there was included in the letter XXXX sentence that was threatening and very ominous sounding, " Do not ignore this letter. '' I am not sure what is meant by that sentence but it does have the effect of scaring me. I want proof of the debt and to date I have not received any proof despite requesting it. Capital Accounts should comply with the law when it attempts to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 'm a victim of identity theft. I have fraud alert on all my XXXX credit bureaus. I disputed all the fraudulent and inaccurate informations. ( 1 ) Transunion credit bureau been giving me hard time and keep reported fraudulent account which are unauthorized inquiries XXXX on XXXX/XXXX/2016 and XXXX/XXXX/2016. XXXX on XXXX/XXXX/2016. XXXX XXXX on XXXX/XXXX/2016. XXXX XXXX on XXXX/XXXX/2016. By spending money on certified mail and wasting my time and energy on contacting all the creditors they all agreed after their investigations that all these unauthorized inquiries were fraudulent inquiries to removed from all my XXXX files with documents. Finally Transunion removed these fraudulent inquiries from my file but suddenly reported back in my file on XXXX/XXXX/2016. I called the Transunion agency today XXXX/XXXX/2016 on XXXX EST and I was on hold for more than XXXX minutes before I get disconnected but I called back and someone answer and transfers me to fraud department which they are out of the country in XXXX he was so nasty and non informative and I could n't understand what he was saying. ( 2 ) Transunion insists to report inaccurate information about the account # XXXX XXXX XXXX XXXX for {$520.00} even after I contacted the hospital XXXX/XXXX/2016 and they agreed it was an error and was their mistake and they removed it on XXXX/XXXX/2016. ( 3 ) Transunion still reporting fraudulent account # XXXX XXXX for {$190.00} ( 4 ) Transunion still reporting inaccurate information about account # XXXX. 
Generally Transunion gave and still giving me hard time and caused lots of trouble to my family and I. Transunion doses not care and the employees do n't do the right work. I been dealing with them for the last XXXX month and I spend lots of money to get the fraudulent accounts and inquiries deleted from my files. Transunion agency is not helpful and their customer services are the worst ever. They wast my time, my energy, and my money but I wo n't never give up and I will continue to fight to get everything straighten even if I have to take the to the court. By the way this is the second complaint against Transunion with CFPB

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 08/24/2015 about Debt collection (I do not know) with GC Services Limited Partnership (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Keep getting a call for a person that is not me ( XXXX XXXX XXXX. Says they are a debt collection agency and waiting to collect and the address provided is not even mine. 

Would like to stop getting these calls as they call everyday. I do not owe any debt collection agency nor do I know a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hello, I hope that someone could help me, I am trying to get a delinquency off of my credit report. I had spoke to someone in XX/XX/XXXX and they had faxed over a forbearance form that should of been for a year and it was sent to me and i submitted it, i know found out that it was for a month and this is the reason why my account went into delinquency from XX/XX/XXXX-XX/XX/XXXX. I have spoke to the credit bureau, the dept of ed told me to contact XXXX XXXX because my account was sent to them when i contact XXXX XXXX they sent me back to the dept of ed, from there back to XXXX XXXX, In XXXX I spoke to XXXX XXXX over different times i was told to file a dispute and they would fix it then they didn't. I called back and a representative transferred me to manager which name was XXXX she was very nice but my issue was not resolved because they sent me emails. I do not know if i received them i cant remember but after filling my forbearance and confirmed that they received it i thought i was good. I now still do not have the issue resolved because of me getting the wrong forbearance formed sent. I would like to be helped this is really effecting my credit report and me buying a home for me and my children and i really do not know what else to do. Thank you very much for your time and help

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 01/18/2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Sale of account

Complaint: I purchased several feet of flooring from my local Lowe 's Store, XXXX. XXXX, TX XXXX. I needed a total of XXXX sq. feet ; my local store only had XXXX sq. ft. The remaining XXXX sq. feet was going to be sent to my store within a week. I waited the week and went back to the store only to be told that XXXX of it was sold by the other store and my local store would be ordering more flooring. The XXXX sq. feet was never picked up by me. 
I noticed right away that the flooring numbers on the box were slightly different. I went back and spoke to XXXX at the time who assured me the flooring was the same color/same dialogue. A sales associate by the name of XXXX was nearby and heard the conversation. XXXX assured me several times that it was the same shade. After a few weeks I had the floor installed, around XXXX sq. ft. The shades do not match. I currently have XXXX different shades in XXXX room.

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 12/16/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Hello, In XX/XX/XXXX I purchased a XX/XX/XXXX XXXX XXXX from a dealership in XXXX XXXX, KS. I drove off the from lot, quite happy with my car and confident in my choice to refuse the extra service agreement fees, sticking to my budget. 

My first payment was to come due in XX/XX/XXXX. I went to register my car but was unable to do so because the windshield had a " stress crack '' as determined by my auto insurance, as well as the dealership. Before I bought the car ; there had been a hail storm in the area and the car had been damaged ; the dealership assured me all repairs had been made. They put in an order for a new windshield. Mind ; I now had no access to my car -- with only intermediate access to dealer provided rentals, disallowing me to make the drive to my  planned summer employment in XXXX XXXX. 

I then began to contact Toyota about the matter to see what could be done, if there were some way to lower or forestall my payments, as I was losing money due the delays in the shipping of their windwshield. The rep informed me that they had a vehicle service agreement on file for me -- what I had expressly said I did not want. Because none of it had been paid out, she told me I could have refunded and have the balance of roughly {$2100.00} applied to my account. I affirmed this is what I wanted to do. She told me I would likely began getting collections calls while the check was processed but to alert Toyota to the pending check and prepare to start making my payments in XX/XX/XXXX. 

This is what I did. The check was sent out in XX/XX/XXXX. It did n't process til sometime in XX/XX/XXXX and it paid my Toyota balance up until XX/XX/XXXX. In XX/XX/XXXX, I stopped receiving collection calls, after attempting to make different payment arrangements, because for some reason, the check still had n't been received. In late XX/XX/XXXX I received a note from  XXXX that there was a collections amount for about XXXX on my account from Toyota ; it also showed the monthly amount had been paid since XX/XX/XXXX, implying that the check had been received and applied as noted. I disputed this credit issue and XXXX affirmed that Toyota had sent them proof of collections, despite the record showing payment.

Saturday, XX/XX/XXXX, I went onto Toyota 's website to pay my monthly payment. I was unable to do so because the option was not available. The screen also would not allow me to send a secure message to contact Toyota about this matter. I decided to call Monday or Tuesday. After speaking to several people in online billing, collections and repossessions I was told they could not explain to me what was going on and that only the collections agency they referred my account to could help. 

I have just received a letter from this agency XXXX XXXX XXXX ( XX/XX/XXXX ),  XXXX XXXX # XXXX offering me a settlement on my car if I call them. They have the remaining balance at XXXX, XXXX, the amount minus the refund payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A check was sent to XXXX XXXX from a third party with the intent to pay off my account in full. The payment was sent on or about XX/XX/XXXX to the payment address listed on the XXXX XXXX website. 

Approximately 2 weeks later, the payment was returned in the mail as undeliverable. I sent a message through the XXXX XXXX website regarding the returned mail. I was advised that the address on the website was wrong, I was provided with a different mailing address. It was suggested I take the payment into a store. 

On approximately XX/XX/XXXX, I took the check into the XXXX XXXX location at XXXX XXXX XXXX in XXXX. Two sales associates and two managers assisted me and could not figure out how to process the payment since it was from a third party. They suggested it be mailed. 

On approximately XX/XX/XXXX, the payment was mailed to the address provided by XXXX XXXX.
Two weeks later, I had been charged additional interest and a late payment and the check had not been processed. I contacted XXXX XXXX through message to find out why. It was suggested that I wait a few more days ( 10 business days ).
AT 13 business days, the check had not been processed. I contacted XXXX XXXX to find out why or to see if it has been lost and if payment should be stopped. 

I was advised that the payment was located and would be applied to my account within 5 business  days. I requested that late fee and interest be removed since they had the check in their possession and had refused to process it. 

As of today, I have again been assured that they have received the payment, even though it has not been processed. I have also been advised that the late fee and interest will not be removed from my account. 

Since XXXX XXXX has declined to accept or process the payment in their possession, I believe it is only fitting that they should not be allowed to charge interest or late fees to my 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 monetary relief
Consumer complaint received 12-11-2015 about Debt collection (Non-federal student loan) with NELNET, INC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The private loan handler of Nelnet, First Mark services repeatedly calls at all times of the day and night. There are multiple phone calls all day long. XXXX phone call is all that is needed. They can leave a message and I will retrieve it but repeated phone calls on the same day are not warranted

Company response to consumer: Closed with explanation