milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: APR or interest rate

Complaint: While in college I joined the XXXX in XX/XX/XXXX. I spent six years in the XXXX before enlisting in the XXXX XX/XX/XXXX. Prior to me enlisting in the XX/XX/XXXX I applied for a Sears credit card in XXXX. After during some research on SCRA and reading the blogs, I decided to apply for my Servicemembers Civil Relief Act benefits with Citibank through their Military Response Unit. I faxed my Department of Defense Manpower Data Center certification which shows my XXXX start date and my LES. On XX/XX/XXXX, I received a notification from Citibank stating I was ineligible to receive those benefits because my account was opened after my XXXX service. I did not understand the denial letter so I call the Citibank Military Response Unit. After speaking with a customer service rep from Citibank Military Response Unit, he stated that Citibank used the date on my LES to make their determination for my eligibility for SCRA not date from my DDMDC. I tried to explain the customer service rep that date on my LES is the date I joined the XXXX not the date I enlisted on XXXX. The customer rep stated that I can resubmit my documents but he does n't think I will get approve. On XX/XX/XXXX, I resubmitted my documents to the Military Response Unit to include my enlistment contact when I joined the XXXX in XXXX and my enlistment contract when I joined XXXX XXXX to show the difference in the dates and my DDMC verification. I was notified on XX/XX/XXXX I was denied again of my SCRA benefits. 
I believe I am entitled to SCRA credit card benefits from Citibank due to the fact I opened by account prior to my XXXX service. According to 10 U.S.C. 101 ( d ) ( 1 ) the term ''active duty '' means full-time duty in the active military service of the United States . I started my full time service on XX/XX/XXXX. 
Any assistance you can provide with helping me to receive my SCRA benefits from Citibank will be greatly appreciated. I have include my enlistment contracts to show the difference between XXXX time and reserve time, my SCRA certificate and the notification from Citibank.

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 03-01-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Problems when you are unable to pay

Complaint: Ally Financial calls on an auto dial system, when I answer most of they time there is no one there, I have to wait for someone to answer ( as long as 15 seconds for a response ). If there is an answer it is a prerecorded message stating to wait for a very important message. They have called up to six times in a five hour period leaving three messages to return the call. ln that same five hour time they contacted my references asking for me, not giving me time to respond. I recently set up a deferment with them on a Friday ( made payment agreed upon on that same day ) and that following Monday morning they called me and asked me to make a payment in the full amount that I owed. Three days after that a received another phone call asking about payment. I informed them I was still waiting on the deferment paperwork and I had made the agreed payment and was told they would resend the paperwork. I asked when it was mailed the first time and the person would not give me an answer. He would just state that they would resend. I asked three or four different times and still would n't give me an answer. The crazy thing was that I received some paperwork from them dated the same day that I set up the deferment. But it was not the deferment info. I 'm still waiting on the second round of paperwork they sent and its been two weeks.

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 08-08-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: When using Bank of America 's online banking tool both mobile and online the information being posted is misleading. I have always used what was on their main screen to determine my balance. It was not until XXXX of 2017 while trying to settle another complaint was it brought to my attention that they actual correct amount in your account is on a 2nd page, not the main page that they bring you to on both the mobile and web applications. This being the case, whenever I thought I had a positive balance and used the funds there would end up being an overdraft due to the correct information, or actual information, being on the 2nd page. These two pieces of information are the available balance history and the statement balance history. On the main screen you see the statement balance history which is what I used to determine what was available but I was told what I should be using is the available balance history. Why would you put the available balance history, if that is what consumers are to use, hidden and not the first page available when they log in vs. having the statement balance history be what shows up first? This is extremely confusing and having been a customer of BOA for several years I am very upset that it has taken the 10 years for me to even hear about the difference between the two. I believe this is how the bank is able to charge those of us who are not aware and it is false advertisement.

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 10/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors, first national bank & XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Recovery Services, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX 2014 I received a quote from an XXXX for some commercial work for XXXX. ( Their business name is " XXXX XXXX '' ) They did not complete any work, but sent me a bill for XXXX. They would never provide any documentation of signed work orders or anything to show they did the work they want money for. ( I had hired another XXXX that gave a better quote ) They sold my " bill '' of {$800.00} to Southwest Recovery Services and I have now received massive amounts of threatening phone calls to XXXX line. I have requested something in writing, they tell me I 'm stupid and do n't need it, I told them not to contact me at that number, they said they do n't have to listen to me and can do what they want, they said they will sue me, and then told my employees on the phone that I 'm a deadbeat that they need to quit because I do n't pay bills and wo n't pay their paychecks and I 'm a wanted criminal for this debt. My employees told her also to stop calling the business line and they hang up on them and call back to try and get someone else to answer. The harassment has been going on for months now and I ca n't take it anymore! Please help!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recently checked my credit report and discovered that DESIGNED RECEIVABLE SOLUTIONS had entered a negative trade mark on my credit profile. I have never received or heard from these people. I am requesting that they immediately remove this from my credit profile and send me validation of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 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: Account was granted retroactive forbearance that covered these time periods. I notified  XXXX  to adhere to FCRA Se ction 623 ( a ) ( 2 ) i n  XXXX   2017  and update the delinquent status listed on my account but was denied. I have since faxed a request to have this inaccurate and incomplete information updated and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Epn, Inc. (HI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX Gym continued to bill me after I cancelled my membership. I joined this gym end of XX/XX/XXXX. Froze my account XX/XX/XXXX, cancelled membership XX/XX/XXXX. XX/XX/XXXX I see a charge from the gym again. I called the XXXX XXXX manager, who said he 'd cleared my account and that I should call his gym 's headquarters, XXXX that handles billing for him. I called XXXX, the rep. also told me that my account is cleared with them. This was back in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I received a letter from the collection agency stating I owe XXXX Gym {$51.00}. I ca n't call the gym, as it 's closed now. So I called XXXX, now they tell me they tried calling me in XX/XX/XXXX about the charges, that even though membership is cancelled they charge XXXX more month of dues ( XXXX ) and an additional return fee of {$25.00} XXXX I had disputed the XX/XX/XXXX charge with my credit card ). I wish XXXX told me about the XXXX more month charge when I spoke with them in XX/XX/XXXX Also nothing about XXXX more month payment was when I was signing up with XXXX Gym. These deceitful practices must stop!

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit card () with U.S. BANCORP (CO).
Issue: Overlimit fee

Complaint: I got charged {$39.00} for over the limit charge. I did n't signup for over the limit protection & do n't want over the limit protection. When i called the credit card company they say I do n't have a choice in removing over the limit protection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I called my bank Before I deposited my paycheck into to the account to make sure that my funds where going to be available the next day. i was GUARANTEED that my funds will be available XXXX at XXXX am. I went ahead and deposited my check and called after I did so to confirm that everything was OK and that I will be able to get my funds on XXXX and was told again that everything will be available XXXX at XXXX am. I called the bank this morning and was told that my check id being held and the funds will not be available until XXXX. when I asked why I was not given a straight answer and I was transferred to XXXX different departments until I was finally sent to the loss prevention team where I was told that they could n't confirm the check with the check issuer-er. I asked if they could please call again because I have NEVER had this problem with my job or my previous bank. I was told that at that time I could not be helped further. I called my jobs payroll department who confirmed that the check was good and there should n't be nay issue. Who also called the payroll bank and confirmed that the check was OK. I called and asked my bank to please call and try to verify again and they refused and that they are requesting that I get all this paperwork that my employer does n't provide.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax improperly protected my identity and my financial information was stolen. Their negligence exposes me to identify theft and financial hardship,

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Payday loan () with FastBucks (LA).
Issue: Can't contact lender

Complaint: Someone keep came and saying I am been sue for what they will not say. I need to know who is using my name to get payday loans they will not let me have one. PLEASE HELP ME. I NEED MY CREDIT BACK.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I found this collection account on my credit report. I have no knowledge of the account and I never received a notice of right to dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have submitted several request to XXXX, Transunion and XXXX as well to the XXXX itself XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX on payment history on credit file show there was XXXX XXXX. The account was closed on the XXXX. The status shows charge off and the amount of the charge off shows XXXX. There has been XXXX XXXX on this account XXXX thru XXXX. From XXXX thru XXXX is reporting XXXX. Date of first delinquency XXXX payment history on credit report has XXXX XXXX. Also, this account is reporting that it is a XXXX account it is a XXXX 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 explanation
Consumer complaint received 10-08-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Judgment for an unpaid Veterinary Bill showing on XXXX Equifax that has been satisfied and a Tax lien that is being shown paid that should have been vacated on my Credit profile for Equifax XXXX. Please help me, this is the second time these items have prohibited me from getting a mortgage. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: On XXXX XXXX 2018 I transferred XXXX LTC ( Litecoin cryptocurrency ) from XXXX to my GDAX litecoin wallet. The transfer was completed and the LTC reached the first destination which was the Coinbase LTC wallet. From Coinbase another transfer was made automatically to send the litecoin to the Exchange owned by Coinbase, GDAX. The transaction shows up as complete on the Coinbase history in my account, yet the Litecoin never showed up on my GDAX wallet. I contacted Coinbase through email the same day and received a case # XXXX. The response from Coinbase showed me a list of reasons why my transaction could be pending. I replied to the email and told them that my transaction does not show up as pending it shows up complete, and I still do not have the assets. I have not received a response from Coinbase despite numerous emails sent regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX performed XXXX separate hard inquiries in the span of 3 days ( XXXX XXXX and XXXX XXXX ) when I signed up for an account with them

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX and I work for XXXX XXXX XXXX. My clients XXXX and XXXX XXXX have been working with XXXX to complete a Modification on their home .... XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The loan was sold to XXXX, XXXX and they retained my services to do a short sale. I placed the home on the market for over asking price per comps and it sold in a week for full price of {$400000.00}. The buyer is putting down $ XXXX and has a solid loan. I called XXXX to confirm a short sale approval and they advised they could not short sale the home, they said the sale date is XXXX and the only way to get the sale date postponed would be to have the XXXX XXXX XXXX XXXX approve it. XXXX said that is wrong and the owner of the loan has to approve the postponement and the short sale. Now XXXX is telling me I need to talk to the owner of the loan and XXXX XXXX XXXX is telling me they sold it to XXXX. I have a full copy of all paperwork regarding what I am trying to do. I specialize in Short sales and this seems to be a huge run around. XXXX myself and the owners are getting no where and the time is counting down to the Forclosure sale date on this property. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Consumer Loan (Vehicle loan) with Prizm Financial Company, LLC (OH).
Issue: Taking out the loan or lease

Complaint: I recently submitted a complaint about Prizm Financial ( case # XXXX ). I was in the process of trading in the vehicle I had financed through them and they were all set to finance my new vehicle until they saw my complaint. Yes I had late payments because of my health but the agreement was on the table until they saw my complaint. Well since I traded my vehicle and received financing through another lender, they knew they were being paid off and yet they still reported negatively to the credit bureau. What XXXX!! Do not do business with this lender because their tactics are reprehensible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: bought phone from XXXX and got a contract ... but got a really high bill {$180.00}. and told the lady that i was not happy and wanted to go back to prepay ... then they cut me off and said i owe {$810.00}. that is crazy

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2016 about Consumer Loan (Vehicle loan) with Coastal Credit, LLC (MI).
Issue: Problems when you are unable to pay

Complaint: I was in the military from XXXX. While in the military I got an auto loan from Coastal Credit LLC. They sent a complete copy of my contract to My command master chief before I was ever even late on a payment. After this when I was late on a payment they decided to send letters to My commanding officer informing him that my account was past due and giving him all the account details. When I got out and moved back to Michigan my truck was repossesed in the middle of the night and I was told by coastal credit and the repo comany that I could not get my Items back unless I paid off my balance. They then sold my truck which had a XXXX value of {$9000.00} for around {$4000.00}.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with Bank of America. When opening the account, the associate entered all of my correct information from my driver 's license. A few days later, I received an email notification that my debit card was on its way, but it was being sent to an address where I have never lived and/or been associated. I contacted the bank to ask them why/how this happened. They initially insisted that I had been a victim of fraud, but after showing them I had not, they started investigating on their end. They admitted that everything was processed correctly, but can not understand how the wrong address was then attached to my name. They 're calling it a " system glitch. '' When I asked how I can be assured that it wo n't happen again, I was told that I need to carefully monitor my account myself because they ca n't promise me it wo n't happen again. 

I have since closed the account because all I get from them is head scratches and " I do n't know how this could have happened. '' It 's ridiculous and I do n't trust that my account would be safe with them, no matter how many " extra protections '' they have to put in place. 

They also reported this incorrect address to my credit bureaus but are doing nothing to correct the improper reporting. I am filing disputes with each bureau to have the incorrect information removed.

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