milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Billing disputes

Complaint: I have filed a dispute with Citi Bank. I have filed a dispute for the amount of XXXX XXXX for XXXX. I have so much docs it is sad citi has not taken me seriously. I have emailed them everything they require along with phone calls, saying they would call me back, emails all kinds of emails. They emails provide proof of why XXXX XXXX ripped me off. Citi reversed all charges when I got to XXXX two months ago. Sense then I can never get a hold of anyone in the dispute team. They have also closed this dispute. I provided them everything they asked of via email. I have proof. I resend this proof three other times. I am now asking for you help. They inquire me, unless they want money. I am very shocked how they are like this to a client like myself.

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 08/27/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I am over paying my mortgage each month. Loan servicer is not applying my over payment toward principle, but rather holding it in a separate non interest bearing account.

Company public response: Company believes complaint is the result of an isolated error
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: Money was not available when promised

Complaint: I have transferred XXXX Euros via XXXX from XXXX to coinbase. It happened on XX/XX/XXXX. Its been 24 days and the money is not yet available in coinbase account. 

Raised 3 different cases with Coinbase. Tried contacting them by mail. No progress on it yet. I really need this amount back.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries not mine.XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX,XX/XX/XXXX, XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (CA).
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: Theres a double hard inquire from Navy Federal with the same exact date. Ive only applied for their credit card one time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Public record XXXX Dist Court Docket # XXXX, plaintiff XXXX XXXX went to small claims court asking for {$550.00} dollars for contract work not completed. Judge rule on the side of defendant and agreed with amount paid prior to the court appearance and I agreed to pay court cost of {$93.00}. TransUnion shows I owed and did not pay until the court appearance {$240.00} and that is not accurate. I keep explaining this to them and they continue to post the same explanation?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Making/receiving payments, sending money

Complaint: I applied to Suntrust Bank to open an account and i wrote a personal check for XXXX $ as initial deposit on XX/XX/XXXX2016. A few days later account was closed for no reason and up till today i am yet to get my money refunded. i have submitted evidence to suntrust and filed a complaint with XXXX where the check originated and i yet to get my money back since XXXX 2016.

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 02/18/2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Advertising and marketing

Complaint: BARCLAY 'S BANK OPERATED A MASTERCARD ACCOUNT FOR US AIRWAYS. 
I WAS PROMISED XXXX COMPANION TICKETS WHICH WERE NEVER PROVIDED. 
I WAS BILLED A YEARLY FEE IN THE SECOND YEAR WHICH WAS SENT TO ME LATE. 
THIS TRIGGERED A LATE FEE. 
WHEN I LEARNED OF IT, I SPOKE TO AN ASSOCIATE WHO SAID I COULD CALL BACK IN A FEW DAYS TO DECIDE IF I WANTED TO KEEP THE ACCOUNT. 
HOWEVER, THIS WAS UNTRUE AS MY ACCOUNT WAS FLAGGED AS OVERDUE AND DESPITE PAYING EVERY DIME OF THE FEES AND CANCELING THE ACCOUNT, IT WAS STILL REPORTED AS DELINQUENT TO THE CREDIT BUREAU AFFECTING MY XXXX CREDIT SCORE!

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 07/21/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: In XXXX XXXX XXXX XXXX XXXX , XXXX, in XXXX XXXX, CA, who was representing XXXX, filed a lawsuit against me for a debt for a credit card I had originally with XXXX. Since I was unaware of XXXX right to collect on this account, I requested validation of the debt. However, I received no response even after filing my answer to the court and even through the " discovery '' phase. Now, XXXX years later on XXXX XXXX, XXXX, XXXX is now representing the buyer of this debt, Cavalry SPV I , LLC, and has filed a " Memorandum for Trial Setting '' on this debt, which is now time barred according to last-payment information on my credit report. According to my credit report, the last payment I made on my XXXX account was XXXX XXXX, XXXX years ago. My understanding is that according to California law, debt collectors can not sue for a debt that exceeds the statute of limitations or is " time barred. '' I am writing a letter to the XXXX County Superior Court asking the judge to dismiss the complaint due to the failure of the plaintiff to validate the claim and the fact that the statute of limitations has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (VA mortgage) with MIDFIRST BANK (FL).
Issue: Trouble during payment process

Complaint: I wish to submit a written complaint against Midland Mortgage for reporting errors of late payments for the months of XXXX XXXX, XXXX XXXX and XXXX XXXX. These errors are keeping me from getting a loan on a house in Florida and the loan for the home on XXXX, Texas will close and the loan paid off in full on XXXX/XXXX/XXXX. I have submitted written requests and verbally addressed the accurate reporting of loan payment activity to Midland Mortgage to correct payment activity. I have also followed up with the President of the company and have not received any corrections reported to the 3 lead credit bureau agencies. Midland Mortgage XXXX XXXX XXXX XXXX, OK XXXX XXXX It is my understanding under the fair debt collection act enforced by the FTC, that I have the right to have payments that I have made applied to the particular debt that I indicate. As a debt collector Midland Mortgage is prohibited from unfair practices, under the Fair Credit Reporting Act, enforced by the FTC. I am entitled to have erroneous information on my credit report corrected. I have filed a complaint with the Department of Veterans Affairs and the XXXX  Department of Housing and Community Affairs for assistance. I did my due diligence and submitted requests in writing to have payments applied to the months that I specified. As a XXXX Veteran, I was discriminated against and denied my right, by a Midland Mortgage representative, which he declined my request to revise accurate credit reporting. The loan information has been requested to reflect as follows, account number is XXXX. XXXX XXXX payment onXX/XX/XXXX XXXX XXXX payment on XX/XX/XXXX XXXX XXXX payment on XX/XX/XXXXXXXX XXXX XXXX payment on XX/XX/XXXX XXXX XXXX payment onXX/XX/XXXX Your prompt assistance to address this filed complaint and credit reporting correction is requested.

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 08-01-2016 about Mortgage (Home equity loan or line of credit) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: SunTrust is reporting untruthfully that we were four months late paying our mortgage in the past 12 months. We did enter a Chapter XXXX plan in XXXX XXXX but during that time we consistently made the payments each month as we have in the past 10 years. After complying with our plan and receiving a satisfactory discharge in XXXX of XXXX, we had received no statements ( other than interest rate changes ) regarding our SunTrust mortgage account yet we continued to make the monthly {$550.00} payments as set forth in our mortgage agreement. Still, we received no statements from SunTrust but did receive an annual XXXX to document our owed taxes. Suddenly, on XXXX XXXX, XXXX, we received our XXXX and only statement that the equity loan had changed on XXXX XXXX, XXXX to reflect a payment of {$1400.00} per month. According to the letter, this meant that we were scheduled to be reviewed for foreclosure. SunTrust had increased the monthly payment of {$550.00} to {$1400.00} without any notification to us and we had paid perfectly for 10 years up to that point. The letter indicated that we owed {$4100.00} that needed to be paid in order to avoid foreclosure. We were able to pay this amount and brought the account current. 
We are in the process of refinancing this loan. We are encountering difficulty with the underwriter because the lender obtained a report indicating the XXXX XXXX - XXXX XXXX payments are late because they were not in the amount of {$1400.00} as opposed to the {$550.00} payment we had paid. We feel that because we were not informed in any way of this increase in amount no refinance agency should receive a report that were late. A payment was made every month. They failed to notify us of the increase and this is stalled a refinance

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 11-12-2015 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: HIPlease explain while you linked this Barclay account opened on XXXX a prior Barclay account that was opened before the consumer filed Bankruptcy in XXXX. 
Please note your statements for the Barclay Account opened on XXXX/XXXX/XXXX you provided the consumer in your first response to CFPB complaint ref # XXXX by this consumer shows your continually accessed a bank account that had been closed by the consumer for over ten years and revealed the linked to the first Barclay account the consumer opened prior to a Bankruptcy. 
Also the consumer never requested or gave permission to Barclay to upload the statements for this account to the CFPB website on the complaint # XXXX dated XXXX/XXXX/XXXX. This prior complaint was a request for the address to Barclay 's fraud department to submit a FTC Fraud Affidavit and the written instructions.

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

Complaint: XXXX XXXX XXXX Account Ending in XXXX This card reflects delinquency in XXXX XXXX, XXXX XXXX and XXXX XXXX. However, this account has payment protection on it. First, the card had been attempting to collect on the delinquent payment and knew it was due to a job loss, but never applied the credit protection program that I had been paying for ( a subsequent bill is attached showing the charge for credit protection ). <P/>Specifically, please pay attention to pay 5 of the attached where it reflects the charge for the credit protection as : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}, I have had this protection program since the accepting the card. <P/>Additionally, once the payment protection program was contacted they were to make all back payments, as well as remove the negative marks as it was an essential part of acceptance of the credit card as I had a reasonable expectation under the UCC section 2-201, that the minimum monthly payments would be made during the time of my job loss, and no derogatory marks be reported at inception and as a result of the promises made by the credit protection team. Further, the fact that XXXX XXXX XXXX attempted to collect on the debt knowing I had lost my job and not applying the credit protection program during our first communication in XXXX is a violation of UCC section 1-304, as XXXX XXXX XXXX was acting without good faith and with unclean hands.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was attending XXXX XXXX XXXX and I was terminated for failing XXXX class because of my teacher. I was on academic probation and I was told if I did not pass all my classes I was going to be terminated. But my teacher did not help me or try to reach out to me instead he made me feel very uncomfortable and I felt left out of the class. I attended XXXX day and he marked me absent and I got dropped from the class. I talked to the XXXX about it and I asked if there was any way I can make up that class, he said to talk to my teacher. My teacher did not take interest he said there was no way I could do the work. I had no chance I passed all my other classes I felt like it was not a fair move. I know someone that was in the same situation as me but they had more encouragement from the dean and staff instead of me. I was told about my situation until I was almost done with my courses, I was suppose to graduate later this year in XXXX. Know I cant get back into school because my credits ca n't be transferred and I 'm left with student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: It 's about my dispute with Citi Cards, billing dispute department, XXXX XXXX XXXX, SD XXXX . 
I signed the contract to purchase the XXXX service from XXXX XXXX to XXXX XXXX on my last day in XXXX, outside the US with the XXXX XXXX XXXX Card on XXXX, XXXX. 
But they put the contract from XXXX XXXX to XXXX XXXX. After I came home I called their customer service to kindly change the date to my desired one, starting and ending in XXXX, XXXX times in XXXX but I received no response. 
Last time I had a chance to talk with their manager and he complied to do so, but still now I see no changes. 
I am not happy with their services. 
After that, the Citi card took over my XXXX XXXX card. 
I disputed this transaction but they have reversed it on XXXX, XXXX. 
Again, I made a dispute case XXXX with Citi Card on XXXX. 
Their company has sent me a lot of letters requesting my next payment, even though I have talked to their manager to fix their faults. 
I called and talked to their manager again to ask them to stop sending me the bills as I have never used their bad service. 
I try to dispute the reverse again but I could nt do t online by myself. 
As they are out of US and I feel unsafe since they know my credit card number. That is why I asked for a replacement of my Citi card on XXXX XXXX. 
On XXXX, I called in Citi 's customer service to make the payment, cancel the card and ask for helping to dispute this amount again. 
I sent a couple emails ( In XXXX, on XXXX XXXX and XXXX XXXX ) and called to Citi card to ask about my case and they asked me to wait. 
On XXXX XXXX Citi card cancel my credit card without any notice and explain reasons. 
On XXXX XXXX, Citi Card sent me a letter to say that the merchant refuse to issue the amount I have previously paid as I signed the contract. 
And Citi will bill me for the next 2 billing periods even though they cancel my account a month ago. 
1. Please kindly help me as I 'm so distressed with the terrible customer service of XXXX XXXX. I just signed the contract but I never used their service and I swear that I will never use their service. 
2. I think that Citi billing dispute department have to protect me as I am their customer, yet I am still immensely troubled. They have done very little research on this case because the files they have sent me are incorrect.

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 01-09-2017 about Debt collection (Mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX and XXXX XXXX, consumers, received correspondence from CARRINGTON MORTGAGE SERVICES LLC, debt collector of an attempt to collect a debt. The consumers disputed the debt and demanded verification and validation of the alleged debt. The debt collector has refused to provide verification and validation of the alleged debt, stating the debt collector does not recognize the signature of the consumer on the dispute. The debt collector continues to collect on the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a HELOC with Wells Fargo. I 've been getting notified for about a year that they were going to increase my monthly payment and convert it to a standard second mortgage with an increased payment. I did not and do not have a problem with that. 
What they did n't notify me is that the interest rate was being raised from 4.24 % to 6.88 %. With a current outstanding balance of {$190000.00}, this is an interest increase of over {$5000.00} per year! 
I have started refinance options but if not successful or if any delay, I 'm paying over {$400.00} per month in interest! 
I had no need to refinance to avoid paying the loan off faster. I certainly had a reason to refinance to keep the interest rate level!

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 06/24/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Fraud or scam

Complaint: Last year my sister send me {$2000.00} from her chase account to my back of america account. my sister use my email address to send the money ; this email address was not register in my account. The money was deposit in a internal Bank of American Account. Now Bank of America do not want to return the money to chase. Every time i call, no one know how to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Balance transfer

Complaint: I applied for a Chase Slate credit card, advertised as having zero interest on balance transfers. The intent was to transfer a {$20000.00} existing balance. I completed the information online and was informed that I was approved for a {$5000.00} credit line, which I did not want because it was not sufficient to cover the existing balance that I wanted to transfer. I immediately called Chase and they said they would close the account, but it would show as a closed account. It should never show up at all as I would have never accepted this offer. I was never given the opportunity to reject the offer once I got the credit limit, a key term in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I was contacted by Medical Revenue Service on my job about 2 weeks ago. Advised representative to not contact me on my job. On XX/XX/2017 XXXX called my job. I contacted them back and spoke with XXXX, told him to please do not call my job.. He stated that when they receive a new bill that 's what they do. Because they do n't know not to call.But he did waste time telling me about the old bills. XXXX said, the time I waisted to tell him not to contact my job, I could of taken out my debit card and pay these bills. Started yelling at me, that I needed to pay my bills and I was n't listening and he will disconnect the call.

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