milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint: I went to the atm machine at citizens bank at XXXX XXXX XXXX, XXXX, pa XXXX to get money from my XXXX XXXX XXXX credit card. I did this on XX/XX/XXXX at XXXX and the machine said " action selected is not available at this time. please retry '' so at XXXX I retried to get the money and the atm said " amount entered exceeds the available balance. Please try lesser amount ''. at XXXX on XX/XX/XXXX I called XXXX XXXX XXXX and I was told that the {$23.00} I asked for was issued to citizens bank the first time and they were unable issue another {$23.00} a second time. so on XX/XX/XXXX I saw the bank manager ( XXXX XXXX ) about the atm did not give me my {$20.00} and did claim {$23.00} on my credit card. he said it was not his problem because he is not in charge of the atm. he said I was going to have to try to get it back myself. so on XX/XX/XXXX I called citizens bank and talked to a XXXX XXXX and she said there was nothing she could do. I talked to XXXX XXXX XXXX on XX/XX/XXXX and filed a complaint and they thought citizens would not ask for the money. on XX/XX/XXXX I wrote a complaint letter to XXXX XXXX XXXX , ceo of citizens bank usa in XXXX, ri XXXX and have not heard anything from the bank. XX/XX/XXXX XXXX XXXX XXXX called me and told me that citizens bank demanded the money. XXXX XXXX called citizens to try to get the money back. they talked to XXXX XXXX and she took down a formal complaint from me and XXXX XXXX XXXX on XX/XX/XXXX. so far I have not heard from the citizens bank about my {$23.00}. I tried talking to someone on XX/XX/XXXX and after making 3 phone calls to citizens and being bounced around 6 times I decided to write to you. 

I feel they stole my money because they were told before they took the money that I never got it in the first place. they put it in their accounts and not mine despite me trying to get it from them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been trying to dispute this matter since XX/XX/XXXX, and restarted another dispute with all parties again back in XX/XX/XXXX, and every month after. And we have not been able to reach out to any kind of solutions.

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 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX Bank removed my inquiries from XXXX but they did not remove all them from Equifax. I have a inquiry XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please remove these inquiries because they were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I am trying to contact Experian because I submitted a police report proving identity theft and I have tried to submit additional inquiries for review because they are fraudulent and Experian refuses to allow me to do it.

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 03/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Customer service / Customer relations

Complaint: I applied for a Capital One Venture credit card. When I received the card and called the number to activate it, it said that there was a fraud alert, and I was sent to their fraud department ( which is werid since the card was n't even active, but upon further research I discovered that this is standard process for them ). When I finally got to someone they said I had XXXX options 1 ) to fax or email copies of various documents including my social security card, pay stub, license, and birth certificate, but they admitted this process could take months since there can be a back and forth if the image quality isnt to their liking or I could 2 ) Go to any local bank, call Capital One and hand the phone over to a bank representative so that they could verify my identity. I was strongly encouraged to follow the XXXX route, even though it sounded sketchy and unprofessional since they had no agreement or arrangement with these banks and were putting the customer through an awkward process. After arguing with them about how scammy and unprofessional the process was, I decided to just try it, and no suprise XXXX XXXX XXXX said they thought it sounded like identity theft and they wanted no part in it, and actually thought I was trying to steal information from them. That was the last straw, I called Capitol One to cancel the card and be done with them, but they said that I couldnt cancel the card since there was a fraud alert, so I still needed to send them copies of all of my private financial documents or visit another bank branch hoping they would play ball. This feels like a scam, and if it isnt, its unfair treatment of a customer, and they are asking for a lot more information than they need and doing god-knows-what with it. I dont trust this company with my info and regret falling for their airline awards sign-up bonus trap. This is such a problem that their is a website dedicated to it ( which I would have done more research on this ) XXXXXXXXAfter hours on hold and being passed around and refusing to give my information to cancel, I finally got a manager who would do it. Now my credit score will be hurt by canceling a card within 30 days, can anyone help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan servicing, payments, escrow account

Complaint: i was told by my current mtg company XXXX that I was put on a do not call list and I believe I even sent them paperwork with my payment as requested. I am still receiving calls aand was and was told now that I have to mail them a cease and desist letter to accomplish .is this this, is this correct? my acct is and always has been current and the calls are for marketing and XXXX party marketing. the company is Nationstar Mtg in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The agencies say they have provided my free annual report, but the only report that will display will XXXX. XXXX has an online dispute, but the system is always " temporarily down '' when trying to submit a dispute. They asked that a manual form be filled out and sent. I ca n't dispute incorrect items with XXXX and ca n't even recieve the free reports from the XXXX other agencies.

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 04/17/2016 about Other financial service (Foreign currency exchange) with Travelex NY, Inc. (DC).
Issue: Customer service/Customer relations

Complaint: I attempted to exchange euros to dollars at the Travelex Kiosk ( XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA ) on XXXX/XXXX/2016 at approximately XXXX. I provided my identification as requested and the teller handed me a piece of scratch paper and told me to write down my social security number and phone number. I told her I did not want to provide the information and did n't want to continue. She proceeded to write down my license information on scratch paper and told me she needed to keep it because I declined the transaction. I take issue with this transaction. Under no circumstances am I going to give someone my social security number on a piece of scratch paper and further take issue with her writing down all my personal information on scratch paper and hiding it under a keyboard. This is highly unusual behavior for such a large company to ask for such sensitive information in such a un-professional manner. I do n't know this employee and how she is going to protect my information or if it is going to be taken and used for nefarious purposes. I complied with the request for ID and have no issue with that, but will not give up my SSN to an unknown person on a blank piece of paper. There is no way to assure that the information will be properly safeguarded if collected in such a manner.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: This is my second wire transfer gone missing with Coinbase , Inc . 
Case # : XXXX Ref : XXXX Date of transfer : XX/XX/18 Amount of transfer : {$3000.00} Sender bank : XXXX XXXX XXXX Sender full legal name : XXXX XXXX Bank Account No. : XXXX   Routing No. : XXXX IMAD ( alpha-numeric federal trace ID ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Medical) with Professional Service Bureau (FL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They call me all day on my cell phone and at my work number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied International Credit Corp., (US) (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I did request a prove of the charges and I did receive the information about another person with different address. The envelope has my name and address but inside 10 pages of bank statements, names, addresses, everything about XXXX .... 
If I receive the information about this person, who has my? 
Please help me with this Identity Theft Collection Company. 
I like to their name to be published to everyone has account with this company to check if did not give your personal information to others. 

ALLIED INTERNATIONAL CREDIT CORP XXXX - AZ - XXXX PHONE - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Problem with fraud alerts or security freezes

Complaint: BANK OF AMERIC A (  FIA CARD SERVICES ) ARE VIOLATING THE DODD-FRANK  WALSTREET REFORM A ND  CONSUMER PROTECTION ACT. T HEY ALONG WITH ALL CREDIT FURNISHERS ALLOWING  XXXX  TO SUPPRESS CONSUMER CREDIT REPORTS WHILE DOING BUSINESS WITH THEM. IS A UNLAWFULL, IN ADDITION PAY  XXXX  MILLIONS IN REPORTING FEE  ; S.      SHOULD YOU NOT CORRECT THIS MATTER WE WILL FILE A CLASS ACTION AGAINST   XXXX   AND ALL CREDIT FURNISHERS TO WHOM FAIL TO ADDRESS THIS MATTER DIRECTLY WITH THIER  XXXX  LEGAL DEPT.      XXXX  DATE NOTICE TO FILE SUIT.

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 08/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX Complaint Department Monterey Collections XXXX XXXX, CA XXXX I am writing to dispute the following information that your company provided to XXXX, XXXX, and XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 

This item regarding the said debt owed for {$370.00} is inaccurate because this debt was filed in my Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX. I am requesting that Monterey Collections have the item ( s ) removed to correct the information. 

Enclosed are copies of XXXX XXXX XXXX, Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX supporting my position. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete and correct the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX XXXX Enclosures : 1. XXXX XXXX XXXX - Chapter XXXX Bankruptcy Case No. XXXX - XXXX - bk - XXXX and discharged XXXX/XXXX/XXXX XXXX. Collection Letter from Monterey Collections dated 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 03/22/2017 about Mortgage (Other mortgage) with Selene Finance LP (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Client was active in an assumption along with a loan modification with XXXX XXXX. The closing package for the assumption had been received back by XXXX XXXX and the client had made the trial payments. Last trial payment was due XXXX XXXX, XXXX which had been made. Then effective XXXX XXXX, XXXX a servicer transfer notice was sent to my client stating that Selene Finance would be handling the file from that point on. XXXX XXXX did not complete the assumption or provide the permanent modification that had been granted to said clientl. The reason the assumption was so important is because she was not a borrower on the XXXX XXXX XXXX. It took two years for them to acknowledge that my client had been put on the deed with her parents back in XXXX and since both were deceased there was no probate or will as my client already had ownership rights on the property. I have tried speaking to Selene Finance on several occassions and they state they can not speak to myself or the heir as the loan is still in her mom and dad 's name. They are requesting certified copies of death certificates which should have come across in the documentation that XXXX XXXX had sent and proof that she was the only heir and proof of her ownership. On XXXX XXXX, XXXX I had faxed over a third party authorization along with copies of the death certificate. I have just called to follow up and again Selene refuses to speak to me or my client. I filed a complaint against XXXX XXXX yesterday and someone reached out to me today stating that Selene was supposed to complete out the process that was previously started. We can not get anyone to communicate with us at Selene.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NM).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Southwest Credit Systems, L.P. issued XXXX separate collections accounts for the same {$190.00} dollar debt from XXXX, and both these accounts, despite representing the same collection, appear on my credit report. This money was not owed originally, as I have the receipt to prove I sent in my modem etc. I was not contacted to dispute the debt and show my proof of not owing the money. I contacted Southwest Credit Systems directly via certified postal mail to ask for verification of debt and to clear up the XXXX accounts that they have listed on my report. It has been 30 days and I have not received this information from them nor has the duplicate collection been removed from XXXX or XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've opened a credit rebuild auto loan with XXXX XXXX on XXXX which states the loan is a rebuild program because they report payments to all 3 credit bureau 's which will help the credit score. To date this has been false, my credit score has not gone up the entirety of my auto loan and XXXX XXXX stated they report payment history. My credit scores are not equate due to this and it 's so frustrating dealing with these type of auto loans that promise to rebuild your credit by reporting to all 3 and they never do they just put the vehicle loan amount on your credit if the vehicle is a lemon and only last you hopefully a year and it 's just not fair that they get away with these tactics. My vehicle is still running fine thank god but it 's an XXXX sold with high miles no warranty I 'm paying high interest which makes the vehicle costs triple when blue book value is only {$4000.00} and change the loan term is 4 years yet they ca n't be polite and keep their word of reporting so it helps the consumer really rebuild credit? And my apologies for sending this over a few times I just do n't know where/how to begin and again it 's so frustrating when you have life curve balls beyond control and when you try to start over and rebuild with these loan sharks it 's impossible : - (

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My wages have been garnished for this since 2010 and my employer says it was paid as per court docket now 5 years later GCServices is trying to collect additional funds and will not send me proof of all payments and total collected my employer states in access of XXXX and my pay stubs prove it just want to know how these companies can recollect the debt all over and start with harassing phone calls for a debt I know is paid in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (RI).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Using an app connected to my bank account ..bank not refreshing status as often as they should

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An Attempt to secure a loan through XXXX was negative- declined due to they could not identify me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was under the impression no credit check would be done but subsequently found out they used a company called Clarity [ " Clarity Services, Inc. is a credit reporting agency that provides information to our customers, who in turn decide whether or not to offer  credit or services to consumers. If your application has been denied by a subscriber of our services, their decision may have been based on the information provided to them by us. '' ] Clarity partners with XXXX whom I have a umber of complaints open with! I felt this was a sham. Attempts to contact XXXX proved long wait time and not return calls! They are a partner with XXXX and should have had access to any and all information concerning me. XXXX XXXXXXXX was aware I had a security freeze but as stated " NO '' credit would be pulled. '' Then why this?

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Other

Complaint: I wrote a letter to Target asking the company to provide me proof of my written signature. They in turn sent me a bill. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a bill in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a bill instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax sent me a letter saying I need to provide driver 's license information, SS stub, copy of social security card, utility bill with current address. 

Most importantly they have my the middle initial of my name wrong on the letter to me. When I submitted the form for free credit report my application information was all correct including my name which Equifax got wrong. 

I am not submitting additional information to Equifax since they did not record my name correctly using the wrong middle initial. Besides, both XXXX and XXXX did not request additional information to receive a credit report which is useless to me because it did not contain information about my credit but included information on a credit card provided to me as a courtesy from a family member which I rarely use.

Company response to consumer: Closed with explanation