milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (KY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have two complaints against Citibank, 1 and 2 below : 1. I deposited a check in the amount of {$2000.00} to my Citibank checking account via an ATM machine located at a Citibank branch. I deposited the check on   XXXX    XXXX , 2017, at   XXXX   XXXX   EST at the Citibank branch located   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , Florida. The check was from a local municipality from the   XXXX   XXXX   XXXX   XXXX  , Florida, which under the Expedited Funds Availability Act, the funds should have been available on the next business day after the deposit was made which was   XXXX     XXXX , 2017. On  XXXX   XXXX , 2017, the funds were not available which was a flagrant violation of the law under the Expedited Funds Availability Act. I tried contacting Citibank via their chat feature on their website, their customer service said they could not help me with my funds because the check was supposedly in a " clearing house ''. Citibank is flagrantly violating the Expedited Funds Availability Act. The funds from the check deposit from a local municipality should have been available the next business day which they were n't. I deposited the check on  XX/XX/XXXX  and the funds should have been available on   XXXX    XXXX , 2017 per the Expedited Funds Availability Act. Citibank is violating the law by not having funds available the next business day when the check deposit is from a local municipality. Citibank is instituting excessive hold times on my check deposits and have broken the law by not having my funds available for me to use.
2. In addition, Citibank charged me overdraft fees on XX/XX/XXXX  and  XX/XX/XXXX  of {$130.00} for four payments of {$2.00} each. So for {$12.00} that was charged on my account from a vendor, Citibank charged me {$130.00} in overdraft fees. During a conversation with a Citibank representative they admitted that Citibank intentionally clears the large transactions first, and the smaller transactions last. I have attached a transcript of the conversation with the Citibank representative. This has the consequence of Citibank being able to charge more overdraft fees from all the small transactions. This is an unethical business practice, as Citibank wants to be able to rack up overdraft fees by intentionally draining my account with large transactions first and smaller transactions last so that they can charge more overdraft fees.

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 10/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a collection showing on my account from XXXX from XXXX. This seems to be new and did not appear on several credit reports that I pulled between XX/XX/XXXX. I believe this to be an error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (WY).
Issue: Problem with fraud alerts or security freezes

Complaint: At XXXX XXXX, I traveled with my friend from XXXX to XXXX. My friend is at North Dakota, I picked him up at North Dakota, then we went to XXXX. My friend told me " He use his account number to pay my bills '', then I added his account numbers to my account. Then we finished our travel plan, I told him to paid my bills for our travels ' bill, then I used his account to paid bills for travel. When I paid my bills, my friend told me he lost his card, and he want to told his banker to get new card then we report this situation for local police office. However, his banker help his to reversal several transactions from my account. The second day I received alert information form CHASE, that is showed me I am fraud for those transactions. Then I saw those informations, I immediatly called bankers to told them my situations for that case. Before that, we had report to police office. But today I received E-mail from CHASE, that showed me they will close my account, give me 3 reasons. But those reasons are not mine. Every time, I paid my bill on time, and whole bill not partly bill. I never get this situation.Still now I have some benefits for my CHASE, they did not return that to me.I think that is very unfair to me to close my account by XXXX. Please, check it. I promise every words are truth.I have case number by police office. For this case, I have been report to police, a policemen have been called banker to open my account, the banker promise the policemen I can use my credit card, but now I can not use my card for CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CT).
Issue: Trouble during payment process

Complaint: My Mortgage was sold by XXXX XXXX XXXX to Carrington Mortgage Services in XX/XX/XXXX. At the time my mortgage was past-due after a failed attempt for mortgage modification. I contacted Carrington who then told me to pay varying amounts never equaling the amount actually do on my account. In XX/XX/XXXX I was told that my home would be foreclosed on regardless of the amount I paid, if I did not include the fees which were unsubstantiated. I paid the amount past due and brought my account current in XX/XX/XXXX. Since that time I have requested several times for a break down of the " Overdue '' charges on my bill. My payments in XXXX, XXXX and XXXX have been on time ; however the Overdue amount continues to increase without explanation. I paid a convenience fee of {$5.00} on XX/XX/XXXX while making a payment online ; this additional amount was deducted from my bank account along with my mortgage payment. On the subsequent bill the charge was added back into the " overdue payment '' on my account. Again I questioned the charge I was told per a manager that it must be a fee from XXXX XXXX XXXX which came over late, despite a listing of convenience fee on the bill. I was also charged a {$20.00} property inspection fee in late XXXX. The explanation given was my account is overdue and it is necessary to verify I still occupy the property. Again the account has been current as of XX/XX/XXXX, outside of the disputed fees which appear on my account as overdue payments. My next call is to an attorney how is this company allowed to stay in business. Small fees add up when they are spread amongst numerous customers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Payday loan) with National Asset processing LLC (MD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Called me and said I owed on a payday loan and they were going to sue me and garnish my wages. I asked for the original loan agreement to be emailed to me and they said they could not all they could provide was a letter confirming a payment agreement after I gave them my atm card number.

Company response to consumer: Untimely response
Consumer complaint received 12/18/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Yesterday I received a letter in the U.S. Mail from " Equifax '' dated " XXXX XXXX, 2015. '' Last month I had wrote to " Equifax '' stating that under " Personal Identification Information '' section of my " Equifax '' credit file that I was also known as " Formerly Known As : " XXXX XXXX. XXXX. '' My full name is and has always only been " XXXX XXXX XXXX, XXXX '' I do n't know anybody nor have I ever used the name of " XXXX XXXX. XXXX. '' And when I called " Equifax '' they also refused to " delete '' this " Identity Theft '' information on my " Equifax '' credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I went to the Trans Union web site just to get my free credit report. They must switch screens and you continue they ask for a credit card in order to continue. As soon as I realized what they did I found a way to cancel immediately and I wrote them a letter also telling them I was going to report them if they charged my credit card which they did. I try really hard as a senior to avoid the pitfalls that are on the internet, but the manner in which they get you to fill out the information was so totally deceptive. Maybe you could go to their web site and see how they do it. I did not think a financial reporting agency would be so deceptive and underhanded. I have excellent credit and get my score from XXXX and credit monitoring from XXXX and XXXX. I wrote all 3 credit agencies and sent each a check for {$10.00} to freeze my credit because of XXXX. I do not think it is right for anyone to trick you and to something and besides when I realized they tricked me I got in there a found a way to cancel, but they still charged me. I believe there is a law that says you have 3 days to cancel and I did that within the hour. The date was XXXX XXXX th and they charged me {$19.00}. I do n't want this to happen to other people especially seniors. Thank you for you time and consideration.

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took out loans for a large sum to put XXXX children through college. Total loan amount was just under {$200000.00}. One day after paying on the loans for over a year, I noticed the balance at {$200000.00} and when I called they said that I was late on XXXX or XXXX payments. I challenged that fact and they said it was only a couple days each time, but it caused my interest rate to go up .25 % from the inception of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Unsolicited issuance of credit card

Complaint: I received an unsolicited credit card from Synchrony Financial for " XXXX XXXX '. I do n't know of any financial connection to either company. 
I opted out of all prescreened credit card offers as recently as 2013. Therefore I believe XXXX or XXXX companies are violating the law.

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 08/30/2016 about Student loan (Non-federal student loan) with AES/PHEAA (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I took out private student loans for graduate school through XXXX, serviced through American Education Services ( AES ). I do have a full-time job in my field of study. However, I have had financial difficulties arising from a stagnant salary and no cost-of-living raises in 9 years since graduation. AES offers only time-limited alternative repayment options, i.e. six months to a year of forbearance, or three months of reduced payments ). Once you use those up, as I have, they offer no further options, or so they claim. I am told that I have no forbearance or deferment possibilities left, as these are private loans and AES is not legally required to provide more options. My attempts to explain my financial situation and explore other options fall on deaf ears. I am currently only 2 months behind payments, yet my account has already been sent to a debt collector. Consequently, my credit score in barely above XXXX. ( My account has been in collection before, at least 5 times in as many years ). " Customer Service Representatives '' either can not or will not help ; are often rude, and often give out false or misleading information. I once complained to AES about their daily phone calls, to which the CSR snapped, and I quote, " Then pay your bills, sir! '' Attempts to speak with a supervisor are met with evasion, being put on hold for 20 minutes, then cut off. I receive daily phone calls from both AES and the debt collection agency, which I have given up answering since they refuse to work with you or offer other options. ( I strongly suspect other options are actually available but AES will not admit to or inform customers about them ). Even if you submit partial " good faith payments '' ( AES 's term ), they STILL badger you by phone, email, and snail mail. I am at my wits end, and have had no luck finding anyone who will help me consolidate my private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account with promotional code XXXX XXXX. I confirmed with a Citigold rep before opening the account that I was eligible for this offer. Just after opening this account, I confirmed again, and the rep confirmed that I was still eligible for this offer. I was supposed to receive my points by end of XXXX. I opened an investigation with Citi via chat and they said they would launch an investigation into the matter and let me know by XXXX/XXXX/2016. After that when I keep contacting them, they claim that the investigation will take a few days longer. The account has a monthly fee of {$30.00} which I have already gotten charged for ( and will get charged for again ), so I preferably want the miles ASAP.

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 03/20/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage will not contact me to discuss my escrow account, nor can I reach the escrow division when calling via the main number. I wait to hear each prompt, press buttons, and still get a basic customer service representative that can not help me. I spent three hours on hold last week. This week, I tried again with no success and started emailing for help. On XXXX, a customer service representative said that he could give me a number that would connect to escrow, but it was the main Nationstar number, not the mortgage number I have. It took me longer to get through the prompts without any help. Nationstar emailed me back today and said they could not help me with the information I gave them ( basically my account number and information plus complaint was not enough to have someone finally call me from the escrow department ). They also said that their records indicated that on XXXX a representative already address my concerns, but that was the gentleman that gave me a different phone number because he could n't help me. Nationstar 's escrow analyses tend to hit very high, and I want to discuss the findings of the last analysis from XXXX XXXX. I also have concerns over their request for a XXXX form. At first, I thought the document was a scam. After many phone calls, I was told to send in the form. The letter connected to the XXXX request ( which asked for my full social security number ) threatened monetary punishment if not mailed back to them. I believe they were going to garnish my tax return. The SS # was in bold letters, and could be seen through the return envelope. I truly thought it was an attempt to steal ID. After many phone calls, and an email from Nationstar claiming the validity of the document, I wrapped the completed form in paper, and returned in my own envelope which was not transparent. If Nationstar had my full SS # on file, why would they have me sign a new XXXX Form?

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Balance transfer

Complaint: Wellsfargo credit card has promotional 0 % balance transfer and it 's good product but i have noticed on my statement that where it says " promotional balance '' it says the balance owned and the APR and balance subject to interest rate and days in billing cycle and interest charge. Now what is missing which is critical information is the date the balance is due. I find that something that needs to be fixed asap. It 's not fair toe the consumer not to be able to have that info on the statement. Thank did say that it 's for " security reason '' but she her self and her supervisor said that does n't make senses either. but i wanted to the BCFP to look at this and fix the issue.

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX/XXXX/XXXX, i sent a letter to Transunion for reporting inaccurate information on my account, i received a letter on XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting method of verification, received a letter dated XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting for the method of verification, i received a letter dated XXXX/XXXX/XXXX stating verified as accurate. They failed to provide me with the method of verification twice, and failed to provide a response within the 15 day time frame. I have also contacted the company and has not received any response from 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 01-11-2018 about Debt collection (I do not know) with Receivables Performance Management, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls 3 times a day, repeatedly twice and then once about 4 hours later. I already have the number blocked even though the first time I answered I told them I do n't have any outstanding debts to anyone ( only to my credit card, but then that would be them calling em instead of some scammer based out of Washington. )

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 01-03-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: Hi, i did a wire SEPA transfer on XX/XX/XXXX of a sum of XXXX Euros into my Coinbase wallet and im still waiting for my money, talked with the costumer support few times, i have provided all information i have been asked and im still waiting. 

They claim that the reason why i havent receive my funds is because i need to verify my ID, by XX/XX/XXXX my identity was still verified, now i have changed my phone number and im trying to verify my id but their verifiying ID app isnt working at all. 

Thank you in advance XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: hsbc checking XXXX denies customer printed checks. why? never got checks.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (I do not know) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I never owed this company nor did I sign anything for them to try to collect this debt. This company XXXX is reporting a debt that another company has reported thus doubling the amount that is being reported on my credit report causing it to drop my score and create financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Prepaid card (Government benefit payment card) with Comerica (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: Hello! 
My name is XXXX XXXX and I put in a complaint with Direct Express where I receive my SSI deposit, in reference to unauthorized transactions on my card. this dispute was entered on XXXX XXXX, XXXX. They were suppose to send me documents to fill out to finalize the dispute. After not receiving them within a months time I called them back. They had to resend the documents for me to fill out to finalize the dispute. Initially they told me it would take up to 45-90 days to complete the investigation. in which should have started from XXXX XXXX, XXXX. After waiting the 90 days and speaking with several representatives assuring me that I would have my money back with 90 days. I called them back today XXXX XXXX, XXXX to find out why I have yet to receive my funds back and they tell me the XXXX starts from XX/XX/XXXX when they received the paper work back and not when I initially entered the dispute. I am a disable person with limited ability and receives only SSI to take care of my daily living. I need my money back and can not now wait another XXXX to catch up on back bills that was paid due to these unauthorized transactions. 

Can you please help out with this matter? 

It seems like they are giving me the run around, and is not trying to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 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: Personal information incorrect

Complaint: There is an incorrect address on my equifax account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (TX).
Issue: Problems when you are unable to pay

Complaint: I have a credit card balance and an overdraft priviledge balance due. I had XXXX 7 months ago that went bad keeping me out of work. The XXXX first at XXXX and then switching numbers at XXXX started robo calling 3 and 4 times a day including today, Sunday, during church services, since XX/XX/XXXX of this year approximately 3 months and 9 days non-stop. No live person from XXXX called. All auto dialing carefully designed to vexate and upset the debtor with endless calling harassment.

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