milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2015 about Credit card () with CITIBANK, N.A. (DE).
Issue: Credit line increase/decrease

Complaint: I was contacted by XXXX XXXX of Citibank 's Office of the CEO and President ( she reports to XXXX XXXX ). I previously file a complaint in the begining of the month about my Credit Line being reduced due to a medical bill reported incorrectly to the Credit Bureau. I was not aware that my line was reduced until I reviewed my monthly billing statement and then started the Credit Bureau dispute process. Upon speaking with XXXX today, she indicated that I only had XXXX days per policy to contact them about the inaccurate information on my credit file. I was not aware of this since I have no recieved any communication from them about by Credit Line being reduced. The reducution caused by FICO to be reduced significantly and now I am XXXX points shy of qualifying for a mortgage because of this issue. The medical bill has sense been removed from the file. I am asking for Citibank to do XXXX of the following : -Restore the credit line to the original limit without pulling additional inquiriesor-Remove the tradeline from the Credit FileThis is very upsetting that this happened and now is impacting me from obtaining a home after I have saved $ XXXX to put down. I making over $ XXXX a year and have additional income outside my salary. Please consider my preferred resolution in order to allow me to obtain a new home. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Partners for Payment Relief (NC).
Issue: Trouble during payment process

Complaint: Received a Subsequent Interest Rate Adjustment statement addressed to my Deceased husband from XXXX XXXX XXXX. I do not recall loan. I requested a QWR. XXXX requested Affidavit of death of joint tenant. Letters Testamentary, admin or other probate Related docs. Sent reply I do not have those documents as there was no estate, Now I have Received a Statutory Payoff Letter from lawyer. Creditor listed as Partners for Payment Relief. I now sent QWR request with death certificate to PPR.
My husband passed away in XXXX and their demands for payment stated in XXXX. Rate increases .25 per month presently at 5 % max is 17 %.??? I need advice asap as I think foreclosure has been started.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I lost my wallet and all my bank card was in with my information that how my account was closed I did report and told then excate what I am telling now I should not be in the XXXX cause some one still my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (I do not know) with Chaplain Financial Services LLC (UT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I was first called on XXXX. They called from XXXX and left a message asking me to return a call to XXXX. They left a threatening message on my voice mail stating that the " processor will require 2 forms of ID and will serve me at my place of employment and will present to my supervisor if I am not present. '' They contacted me on my cell phone, my home phone and I 'm fairly certain they called my neighbor and left a message ( she is also a relative ). 

I called them back today, XX/XX/XXXX, after repeated calls. They answered as " XXXX ''. I asked them for their name and address and was given " XXXX XXXX XXXX '' although previously they said they were XXXX XXXX. The address they gave me was just a street address of XXXX XXXX XXXX. I asked if they had already sent a validation letter to the debtor and they stated yes. This is false - nothing has been received. 

I then asked them to provide the name and address of the debtor and they proceeded to ask if I was " XXXX XXXX ''. I stated I would not provide any info about myself without verifying who they were. 

I then asked for the last 4 of the social security of the debtor they were trying to reach. They gave it to me which was the final red flag that they were a scammer as a legitimate collector would not answer this. Incidentally they did have the last four of my social. I told them that I knew they were a scammer and hung up. 

I have no outstanding debts that are not current and any " payday loans '' I had were discharged in a bankruptcy.

Company response to consumer: Untimely response
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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: First off please let me re-complain about this corrupt and highly unregulated scam company. As stated before I disputed a fraudulent collection on my account for XXXX  that is not mine. TransUnion and XXXX never sent me anything validating this is my account or that they even did an investigation. Which is a huge violation of my FCRA rights. This collection is the only one on my credit report with TransUnion because XXXX and XXXX actually did a proper investigation and took the collection off. 

Another thing I need to complain about is the fact that Transunion was just in trouble recently for the same thing they are doing to consumers again in regard to intentionally miss leading consumers when they sign up again and not directly telling them they will be charged. If you dont believe me check out all the complaints : XXXX XXXX XXXX This is not right and my husband works for the XXXX as an XXXX XXXX XXXX. I would like this properly taken care of. My next step will be to contact DC representatives.

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 09/21/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am writing to dispute the following information in my file. I have written down I dispute on the attached copy of the report I received. I am requesting that the items be removed from my credit report I have contacted XXXX XXXX XXXX numerous of times telling them that I have no knowledge of these accounts. 


XXXX XXXX Bank, XXXX XXXX Account Number XXXX XXXX Account Number XXXX Current Owner XXXX XXXX, XXXX XXXX Bank XXXX Account Number XXXX XXXX Account Number XXXX Current Owner XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Wrong amount charged or received

Complaint: I sold some Litecoin cryptocurrency from Coinbase on XX/XX/2017 in the amount of {$1300.00} and had it transfer to my linked account for payout. money never reached my account. I sent a support email to the company and didn't get a response. I've sent probably 10+ emails and more recently XXXX @ coinbase to try to get them to help me. I have not gotten any help in this matter in almost 2 months now. my most recent case # for the email i sent today is XXXX. I noticed that all my other emails have been deleted from the support page within my account now. This company won't help at all. Their phone lines say they can not help with anything about money whether it be deposits or withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: I requested for XXXX BTC to be sent from a digital wallet to my Coinbase wallet on XX/XX/XXXX. On XX/XX/XXXX, the transaction was confirmed, although the money does not show up in my Coinbase account. 

After verifying on the XXXX website, the money is in my account but the Coinbase interface does not allow me to access the money to sell. I will not be able to access the BTC without Coinbase 's assistance, and they are not responding to my requests. 

I 've tried to contact Coinbase several times via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by submitting requests through their website as instructed. I have received zero communication in return.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: PINNACLE LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX XXXX ( ORIGINAL CREDITOR-XXXX PART XX/XX/XXXX BALANCE {$280.00} I DID NOT HAVE XXXX XX/XX/XXXX, I DID HAD XXXX XXXX XX/XX/XXXX FOR 7 DAYS, I PORTED MY NUMBER TO TMOBILE.I CALLED XXXX XXXX 11 TIMES FROM XX/XX/XXXX TO XX/XX/XXXX FINALLY A XXXX REP CALLED ME, THE REP TELLS ME I OWE {$280.00} FROM ACCOUNT FROM XX/XX/XXXX, I ASK THE REP WHY DOES IT SAY XXXX, THE REP TELLS ME XXXX DID NOT PUT IT ON MY CREDIT REPORT-THE REP TELLS ME PINNACLE LLC C/O RESURGENT PUT IT ON MY CREDIT REPORT, I CALLED PINNACLE LLC XXXX RESURGENT XX/XX/XXXX A REP TELLS ME XXXX PUT THIS ON MY CREDIT.I HAVE DISPUTED THIS ACCOUNT WITH XXXX, XXXX AND XXXX ( XXXX FILE XXXX ( XX/XX/XXXX.XXXX XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: File several recertification applications with  FedLoan  for my repayment program and all were rejected until the most recent one. Once the application was excepted it was placed on hold. Now a new bill has been issued and it is an amount 3X greater than usual. I can not get  FedLoan  to process my recertification application in a timely manner. I am endanger of defaulting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NC).
Issue: Trouble during payment process

Complaint: My complaint is in regards to Citi Mortgage. I missed a mortgage payment in XXXX XXXX. I was struggling at the time. I asked XXXX XXXX if I could have that missed payment deferred to the end of the loan. Citi Mortgages response was " That 's not an option with the type of loan you have ''. I have a VHA loan. I have not missed a mortgage payment since XXXX. I have paid my payments consecutively. I have bank statements as proof. My husband and I have both become XXXX several years later after purchasing the home. We both receive XXXX benefits. I have tried to talk with them and they beat around the bush about everything. They claimed my only option was to refinance for 30 more years. Which is absurd. I mean who would do that after paying so long on a home. The other option was loan modification. They sent a book of papers to fill out. I can never reach my assigned representative whom is XXXX XXXX. My chief compliant is they are misapplying my funds to so called late fees, inspection, and appraisal fees. Nobody has been in my home to appraise it. When I call to pay my mortgage payment each month, they ask what would I like the funds applied to and I say my regular monthly mortgage payment. Now I receive a statement saying I am four months behind on my mortgage. When I call to ask Citi Mortgage why my statement reflects this, they say " Oh that XXXX XXXX XXXX  XXXX dollars was applied to late fees, inspection fees, and appraisal fees. '' Nobody has been in my home to appraise it. They have very unprofessional agents drive up to your home and take pictures of the exterior of the home, your mailbox, vehicles, and you may even be in the picture. They say they do this to see if anyone is occupying the dwelling. I find this a weird practice. The agents are dressed in tattered clothing with no name badge to identify whom they are. This is very unprofessional and one time the man they sent out came to my door in tattered clothing and jiggled my door and I thought it was a burglar. I just received a XXXX XXXX dollars check from them due to them exercising improper practices. I feel Citi Mortgage is a fraudulent practice. I asked them to send my original tool to show me where I agreed to their terms. I did not sign papers with them. My original loan was through XXXX bank and they have dissolved. Citi Mortgage bought our loan. Is XXXX even legal? I have read it is n't. I want to get to the bottom of this. I feel Citi Mortgage is fraudulent and their practices are appalling. I have n't made a payment yet this month because I want to know why they are misaplpying my funds. They have sent me a foreclosure notice that within 14 days they will pursue foreclosure. I want to pay my payments and they be applied to my monthly regular payment.

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 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I called them to ask to consolidate my student loan and they placed a forbearance on my account that is not what I asked for

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Credit card) with CITIBANK, N.A. (MA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I contacted the collector and made arrangements to pay the debt he contact my work repeatedly, in the same hour. Then proceeded to contact people i havent spoken to in years on my XXXX account asking them to contact me and tell me to be home because im going to be served papers to go to court. All in less than XXXX hours of making payment arrangements.. that I called to make! this is harassing and embarrassing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (OR).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Saturday, XX/XX/XXXX purchased {$4000.00} of bitcoin through Coinbase with an affiliate link that was supposed to give me a {$10.00} credit as well. Today, XX/XX/XXXX we see market value plummeting given their unfair announcements devaluing my purchase. Get canned responses trying to cancel the still pending transaction that was withdrawn from my bank immediately. However, still can not access or trade my Bitcoin wallet to move my funds to a more secure store or market.

As it is right now Ive lost a 1/4 of my investment without the ability to move/shelter or withdrawal it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing disputes

Complaint: I bought a computer at Best Buy and they offered a 1 year access plan to use XXXX XXXX for {$30.00}. They did NOT mention that I had to download the software, or I would not have bought it. 
When I realised I had to download the software, because the versions of XXXX XXXX already on the system did n't work with the key, I attempted to download, but the download failed. 
I notified the card ( Best Buy Visa ) and filed a dispute, advising that I had not been told I 'd have to download the software ( or would not have bought it - everything you download slows your system and I just got a new system because my old one was too slow!! ). 
Best Buy called and left a message offering to help me install. By that point, I did not want to install, just wanted credit for the unused/unusable software. 
Best Buy Visa has informed me via letter, and again when I phoned, that they only " exchange '' the software if it 's damaged. 
That is an invalid claim, as the software is n't the issue. It 's the fact that I was NOT informed I had to download it, and now do n't have the use of, nor the desire for, the software I paid {$30.00} for.

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 11-06-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: My name is XXXX XXXX and I am writing you about a bankruptcy listed on my Equifax credit report, in which I have tried to have it removed. Apparently someone with a similar name to mine filed bankruptcy in the XXXX, and it is appearing on my credit report. After contacting the Bankruptcy Court, they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As they well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report.They continue to report the bankruptcy verified. Please find with this complete of my proof that they have never verified this with the furnisher. 

" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, thecreditbureauhasanobligationtoconductareasonablereinvestigation.79 Thebureaumustgenerally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 Moreover, ithasfivebusinessdaystoforwardthedisputetotherelevantfurnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, orcannot beverified, thebureaumustdeletethedisputeddata.83 Furnishershaveindependentobligationsunderthe FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section 611 to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Late fee

Complaint: I have a capital 1 credit card. I was faithfully paying it until my business failed a year or so ago I stopped paying for a while then got back on track when I got a part time job. My payment due date is the XXXX of every month. In XXXX, it got there on the XXXX, XXXX on the XXXX and XXXX on the XXXX. Sometimes, I pay from my bank account and sometimes from capital 1 site. The then decided to send my interest up to XXXX % which is rediculously high. Causing an interest of {$440.00} a month and a total payment of {$570.00} per month. Last year, I had asked capital 1 to settle when I had just come with a bit of money but they refused to do so. Unfortunately, I can no longer pay them as they do not want to work with my current financial situation. This hike is inreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: Called and disputed online on multiple occasions about fraudulent inquiries and an account from crest financial that is not mine and that i did not authorize.

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 04-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Regarding a letter dated XXXX XXXX, 2015 with the notation of C & W account # XXXX. Because I do not believe I owe what you say I owe I am requesting complete validation of this alleged debt as noted on the collection notice with account number XXXX. Furthermore, this is the first I have heard from you or anyone regarding this alleged matter. Therefore in accordance with the Fair Debt Collection Practices Act, I require all documentation regarding this alleged debt. Including all documents showing an agreement to pay, how interest was calculated, documents bearing my signature, an accounting of payments made, and proof that I have a obligation to pay XXXX XXXX XXXX. If this debt was purchased, I require full documentation of the purchase of this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Closing/Cancelling account

Complaint: I was unemployed for the bulk of XX/XX/XXXX and fell behind on my credit card payments with Citi Bank/Best Buy Mastercard. In XX/XX/XXXX I called to start a payment plan with them to return my account to a current standing. I was told by the representative that if I made XXXX payments of {$88.00} each my account would be brought current again and I could begin to use the card again. I made my XXXX payment in XXXX. In XXXX I received some extra income and called to see how much of a payment I could make to become completely current and under my credit limit. I was told that my account had been closed in XXXX and that I could n't bring it current just pay it off. In XXXX I pulled my credit report and found that the account was n't actually closed until XXXX, meaning I could have saved the account and only had late payments instead of a closed account on my credit report. Citi is still charging late fees to the account monthly, and was even charging late fees while I was on a payment plan with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation