milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Application processing delay

Complaint: XXXX was discontinued at XXXX ( a cashback card ). In its place, I was issued a Citi Business card ( also a cashback card ) I wanted to get a second user card for my daughter to have her own card ( She already had a XXXX card ). The day I received the new XXXX card, I called XXXX to make the request. A card was received. It was the Citi XXXX card ( mileage benefits ) not the Business card ( cash back ). I called XXXX & was told I had to go to XXXX for the card to be issued. XXXX told me to go back to XXXX. XXXX took all the information & said a card would be sent. I waited. A card was not received. I called again ( maybe twice ) I believe it was Thur XXXX when I spoke to a woman who told me the card would be expedited & I could expect to receive it Tuesday XXXX. I received an email confirmation. Then, because the delay cost me cashback, I spoke with XXXX in AZ, ID # XXXX. The issue was the cash the delay had cost me cashback credit. XXXX promised a {$100.00} credit. Today is XXXX the card has not arrived. I just spoke with XXXX in AZ, ID # KYT XXXX. I was told only {$10.00} added to my cashback was the only benefit I would receive to compensate for the time, money & aggravation caused by misinfomation and incompetance by XXXX 's Customer Service. I believe the cashback earned by my daughter 's purchases would have been more than {$100.00} but, out of frustration, I accepted the settlement. My conversation with XXXX was VERY unsatisfactory. He told me that the card had been sent by regular mail on Fri XXXX and he could do nothing about increasing the cashback credit. No courtesy call or email from Citi to let me know about the delay or the minimal credit was made. XXXX was adamant in saying that Citi has millions of customers & could not accommodate my request. That number of clients is great but how about a Customer Service entity to be knowledgeable & efficient & TRUTHFUL? If, for some unknown reason, more than {$10.00} could be credited, to my logic, Citi could send me a check. No, he told me, that was n't possible. Citi can not issue a check??? Now, I think it is fair to have a Citi employee look over the expenses incurred by my daughter with my supervision, to assess exactly how much money would have been earned. And, why would I be told by the first Agent & confirmed by XXXX # XXXX that the card would be expedited ( not true ) and per XXXX that I would get a ( measly ) {$100.00} credit when he would only authorize a {$10.00} credit? Why are XXXX Customer Service agents allowed to give misinformation & downright lies without consequences. Why am I paying the consequences for their inadequate service?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 had filed a complaint previously because XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX Phone # : XXXX appeared on my credit report. The company failed to validate - i had no idea what it was. I received a letter from XXXX XXXX saying that XXXX XXXX was updated the three agencies and deleting the listing. The listing has since been removed from my XXXX and XXXX report, but Transunion however has still not deleted 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 explanation
Consumer complaint received 02/27/2016 about Mortgage (VA mortgage) with NEW DAY FINANCIAL, LLC (AZ).
Issue: Application, originator, mortgage broker

Complaint: I received an offer to refinance that included a free appraisal. After I provided sufficient personal information, employment details and home details I was contacted and told that based on a XXXX value they are unable to proceed and pay for my appraisal. I feel I was discriminated against and discouraged from continuing the application. This practice is abusive and deceptive.

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. (CA).
Issue: Other service problem

Complaint: I have been locked out of my Coinbase account since XX/XX/XXXX. The reason being Coinbase will not accept the codes ( XXXX ) my Authenticator app is generating. 

I 've tried verifying my ID with Coinbase since then, following instructions and all troubleshooting tips but my ID verification will not pass through their website. On the same day, I emailed customer support for help and asked if I can email documents, pictures and IDs to confirm my identity. I even asked them to change the XXXX to my cell phone number so that I can regain access to my account. 

No actions have been taken by the company except to provide troubleshooting tips and an email on XXXX XXXX to say they 're working on the matter. 

It has been 2 weeks since I 've lost access to my acccount. I 've tried reaching out for a follow up on the XXXX, XXXX, XXXX and the XXXX. All follow ups have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Sentry Recovery and Collections, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I could not find a reason in the drop down window however, this is regarding my attempts to set up payment arrangements with a debt collector. 

On XXXX XXXX 2015, I pulled my credit report due to a Statement of Reason I received from the Consolidated Adjudications Facility regarding my security clearance. I contacted XXXX the creditors, Sentry Recovery and collections. I spoke with XXXX XXXX on XXXX XXXX 2015. During this conversation, he requested that I pay at least {$1000.00} down before he could set up a payment arrangement with me for the XXXX accounts his company holds. I told him that I could not come up with that amount and I would have to call him back. 

I was referred by my command to seek the assistance of a financial counselor XXXX. On XXXX XXXX, I spoke with my counselor and she attempted to reach XXXX XXXX three time. Two times, messages were left. I returned to see my counselor on XXXX XXXX to attempt to contact XXXX XXXX and again we reached his voicemail. On XXXX XXXX 2015, I returned to see my counselor and this time she made contact with XXXX XXXX. She explained that I was needing a payment plan arrangement and that if, in the future, I have an increase in household pay, I will contact him to adjust my payment plan accordingly. His comments were unprofessional as he told my counselor that I would never call him again. At that time she informed him that he was obligated to entertain a payment arrangement with me and that if he did not, I would be contacting the CFPB. He changed his demeanor and requested that we submit by fax a request to begin a monthly payment plan. I did this and the fax was sent and received by his office on XXXX XXXX 2015 XXXX. 

I have again returned to see my counselor on XXXX XXXX 2015, as it has been 7 days since I faxed the request. He has not responded. We attempted to contact him and reached his voicemail and she left a message.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Other financial service (Traveler’s/Cashier’s checks) with MORGAN STANLEY & CO. LLC (CA).
Issue: Customer service/Customer relations

Complaint: My issue is with Morgan Stanley and an Inherited IRA. M.S. will not release my late husband 's IRA to me of which I am the sole beneficiary. The IRA in question was not originally opened at M/S ; it was opened with XXXX XXXX. XXXX was taken over several years ago by Morgan Stanley, which meant M/S also ended up as the new owner of my husband 's IRA by default. My husband passed on XXXX/XXXX/XXXX, but I did n't pursue the transfer of the IRA until approximately XXXX XXXX. 
For the past six months & although I have requested that the paperwork from the XXXX XXXX Department be sent to me and was told it would be, it never was. 
Finally on XXXX/XXXX/XXXX, a Rep. named XXXX told me what was going on. Evidently when XXXX XXXX was taken over by Morgan Stanley and my husband 's account was taken over by M/S, someone by the name of XXXX XXXX was placed on the account. XXXX admitted that M/S does n't know who XXXX XXXX is and why she was placed on the account. This account was close to XXXX dollars on XXXX XXXX, XXXX and now it 's closer to XXXX. I do n't know who XXXX XXXX is and do n't care ; I just want to be able to transfer the money to an account of my choice. M/S should n't be able to hold my fund hostage just because they ca n't figure it out. I have been told by a XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX and more recently XXXX on XXXX/XXXX/XXXX that a compliance Manager would get back to me and get this resolved. I have told that I would get a call time after time ; well to date the only thing that has happen is the value of the fund has gone down. Can you please help me? 

THE ACCT. # = XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Payday loan) with TMX Finance LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: ate {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX 2016 and the lady at Insta Loan told me that if I did have {$200.00} To her I will be in jail she was so rude to me My XXXX are falling apart ehat can I do. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Student loan (Federal student loan servicing) with Omega RMS, LLC (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: XXXX XXXX,2017. {$2800.00} i call to resolve the issue I told them it will be the first of the month but they keep calling and harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Medical) with Modern Adjustment Bureau (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: No mail has been received, however multiple phone calls have been received by modern adjustment Bureau after I revoked my consent to be contacted, which under the fair debt collection practices act is a violation and can come with up to a {$1000.00} statutory damages award. If need be I will provide call recordings and transcripts. 

cc : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. My XXXX XXXX XXXX XXXX credit account # : XXXX is lost/stolen and has over {$22000.00} in fraudulent charges/transactions that arent my charges. My XXXX XXXX/XXXX XXXX XXXX XXXX XXXX credit card account has {$500.00} in fraudulent charges/transactions. The {$500.00} is fraudulent charges/transactions and arent my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I have got a complaint from XXXX of our employees that bank of America has refused to cash XXXX of our payroll checks to him because he does n't have a personal account with them. I wanted to make sure that 's its true. I went myself to cash my personal check at their XXXX XXXX XXXX XXXX XXXX location on XXXX ( I do not personally bank with them but my company does ) I provided XXXX valid IDs and the account of course if full of cash, they gave me some bogus reason that they do n't have the signature in their computer system to compare with the check I am cashing, I asked if they can call to verify if the check is true or speak to a manager. their answer was Nothe Manager refused to speak with me and basically they refused to cash my own company 's money to myself. 
Now I have the power to change banks and I will, because I want my employees treated well, and not be refused to talk to ... 
but not many other people have that luxury! 
Refusing to give people their own money is wrong. they are n't protecting me, they are wasting my time, my employees ' and someone that worked XXXX hours the past XXXX weeks is n't eating this weekend ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed an item that Transunion had previously deleted from my account. I had a joint loan with my former husband initiated in XXXX on the property of XXXX XXXX XXXX, XXXX, MD XXXX. I went through a contested divorce and filed Chapter XXXX bankruptcy in XXXX. The loan was listed in the bankruptcy. It was XXXX mortgage. I was discharged on XXXX XXXX, XXXX. Case number XXXX. The mortgage was sold to XXXX XXXX XXXX. I disputed it with Transunion, number XXXX. By notice dated XXXX/XXXX/XXXX the item entitled " XXXX XXXX XXXX XXXX LP '' was deleted from my account. It is now back under the title of " XXXX '' I again disputed the account and Transunion sent me a notice dated XXXX/XXXX/XXXX # XXXX saying the account was verified, no change. I sent documentation to show I do not owe this loan. It is now impairing my credit and I can not qualify to purchase a place for my elderly mother to live. Obviously no one really investigated and paid no attention to the inception date or my discharge date.

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 01/27/2016 about Credit card () with CITIBANK, N.A. (DC).
Issue: Billing statement

Complaint: First, this is not a report of a personal issue but of a potentially abusive practice. Bloomingdales sent my statement today, XXXX XXXX, by email, dated XXXX XXXX. The bill is due XXXX XXXX. If this bill is sent online, there is no reason the consumer should not have it in his or her hands the same day, or, if that is not possible, the statement should be dated for the date it is actually distributed to the consumer. The Bloomingdales credit system is administered by Citibank. I happen to be financially more than OK, but people with hardship may well need the extra three days. At any rate, in the electronic age, there is no reason for a three-day lapse. It needs to be brought into line. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

XXXX XXXX XXXX XXXX in the amount of {$7000.00}

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 Consumer Loan (Vehicle loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Managing the loan or lease

Complaint: My Loan charged off in early XXXX, after i turned the vehicle into XXXX. They auctioned off the vehicle and sent me a final charge off amount of {$2600.00} in early XXXX. I received a payment settlement request in XXXX of XXXX for {$1500.00}. I subsequently received another payment request in XXXX XXXX for {$1800.00}. As of today, they are reporting that i owe {$7700.00} as the interest is still being charged on a loan they have been " charged off ''. They are legally suppose to send me monthly statements if they choose to keep adding interest to my account, as of today, i have not received XXXX statement in 3 years. They are doing everything possible to wreck my credit by inflating the amount owed to well over 300 % of what the original loan was to show my credit utilization is too high. They already have my car, now they want to ruin my credit. They are predatory an overly punitive with high interest after the charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: There has been an ongoing issue with misinformation, lying, lack of details, delays of when things would be done, delay tactics of changing relationship managers, personnel not returning phone calls, etc. with my modification on home mortgage with US Bank. Absolute horrendous experience from the start. Was told by US Bank that process to final modification would be 30-45 days. That was XX/XX/XXXX, it is now XX/XX/XXXX and I am still not at the final process. This time they are blaming it on waiting for HUD for a variance.

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 12/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Charlottesville Bureau of Credits, Inc (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX of 2010 I opened a contract with XXXX, under the terms that I can break the contract at anytime due to them wanting my business and I was preparing for a transplant. The manager their signed me up for a membership, and stated with proper documentation they will not charge me anymore once it came time for my XXXX. However after moving, and deciding to review my credit this account was sent to collections, and I was indeed charged. I reached out to the corporate office of XXXX of the XXXX where I originally had my membership, and they stated I had no negative account and I was cleared from their system years ago. They advise me to ask the collection agency to send me verification of this account. I reached out to Valley Credit Services and was told by a female customer service rep they do not talk to debtors, nor do they verify, I would have to contact the gym. How? The gym sent me to them, and stated the information was not in their system as me owing them anything.They would n't even give me the name of the person/persons sending them this information. I spoke with the general manager of XXXX, as well as the gym manager and neither said they had negative information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fay Servicing, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Fay servicing respond to the complaint, and only resolved 1/2 of  the problem. BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to Fay on XXXX occasions ). This ongoing issue with Fay is  hurting our credit score and the ability to get a mortgage. Below is the email that I sent to Fay on XXXX occasions, going back to XX/XX/XXXX. Hello XXXX, Once again thank you for sending the summary / account activity report on our account. Please note the following as to our account. We have been and continue to make XXXX payments per month. Each payment is for {$1200.00}. We have been making these XXXX payments per month for over XXXX  years. Per your predecessor, XXXX XXXX XXXX, your company did not process the XXXX payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account. The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. In closing the following corrections should happen to our account. 1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments. 2. Our account should not show ANY late payments. Thank you in advance for correcting these errors on our account. Please feel free to contact me with any questions. Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!! 


Above is the information from my past complaint ... XXXXThis is STILL NOT FIXED ... there should be zero late payments showing ... .This is crazy as they ( Fay ) have not fixed all of the issues. ....

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NE).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Navient is my student loan provider. I also owe from a student loan from a  XXXX  college, the loan borrower is Nelnet. The Nelnet lo an is from  XXXX , this is what I owed then {$3200.00}. I was paying on it for a long time then I started going back to school in  XXXX  to get a  XXXX   XXXX  so I deferred. I still owe {$4000.0 0} on the Nelnet loan, I asked Nelent to  forgive my loan and they denied also. Since I have had  XXXX , they have emailed me about deferring every time I get behind so I defer. What was a  XXXX  loan is now close t o  XXXX . This is because of deferring payments and interest. Today I am behind three months. The beginning of the year I asked for a  XXXX  forbearance for the school year and was denied. Today I looked into def  erring and if I defer again the balance of my loan will be close t  o 70,000. How am I ever to get this paid in my lifetime when the interest is outrageous?

Company response to consumer: Closed with explanation