milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 about Debt collection (Credit card debt) with United Check Recovery Bureau, Inc. (NH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was first contacted by XXXX XXXX with UCRB ( telephone number ( XXXX ) XXXX ) on XXXX/XXXX/XXXX claiming that he was with UCRB, he was looking for a verbal statement from me for his final recommendation on a matter so he could submit paperwork. He reached out to a family member as well prior to contacting me. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. If I did not do this my wages would be garnished. I contacted the original debtor and was advised that my account was in fact transferred to a collection agency ; however the agency name was XXXX XXXX XXXX management and not UCRB ( where XXXX was calling from ). I tried to contact XXXX at phone number XXXX, ( provided by the original debtor ) and was unable to get thru, a message from version played that my call was not able to be connected. I googled XXXX for another phone number and was able to locate phone # XXXX, however to no avail there was a voicemail message asking for you to leave a message however their inbox is full and your call is disconnected. Please keep in mind I have never recd paperwork from this company ( UCRB ) in the past and now they are threatening garnishing my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for Capital One Bank Premier Dining card on or around XX/XX/XXXX. It took them several days or at least a week to respond and declined application first time because XXXX  credit bureau had fraud alert but fraud alert did n't contain my phone number. This was was around XX/XX/XXXX when I received an email telling me I was declined. I called Capital One and was assured once I was able to get XXXX to show phone number to contact me that I should be approved for card. I also asked were there going to be more inquiries against my credit. I was once again assured that it would n't be any more inquiries as long as I contact them to reevaluate my credit application. Well, Guess what? Capital one pulled a total of XXXX inquiries against me in past two weeks even though I was assured by Capital one 's manager this would not happen. I was as an result notified a second time my application was declined because XXXX inquiries. Most of my inquiries like 4 of them are from Capital one and two of those inquiries are from the past two weeks! I feel like I was totally deceived and lied too. Why would they keep pulling my credit report when a credit manager told me this would not be done as long as I corrected my XXXX report and contacted them to review my application again within 30 days or by XX/XX/XXXX. I did everything correct only to be told a second time my application was declined again due to XXXX inquiries. I am very angry and will be filing multiple complaints against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has confirmed that my social security number and potentially other personally identifiable information were compromised by their XXXX 2017 security breach. I feel that they were negligent in the handling of my PII and possibly PCI data and should be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: On  XXXX   XXXX  ,2017 I mad e a mobile dep osit to my Wells Fargo ch ecking account.They did not credit my account for the amount of the deposit, when i called them to inquire they said there was a hold on the deposit, that the bank the check was drawn on claimed a fraud. that i should call the issuer, when i did so i was told there was no caim of fraud by them. The issuer is the state of california controler. when i called wells fargo back they changed their sory and told me the check hasnt been paid for, so i called the california treasurer that informed me the check had been paid and the funds should be available. when i called back to wells fargo they told me the federal reserve was holding the money, when i called the federal reserve they said they dont hold any monies and that i should file a complaint. i feel wells fargo is just holding this check to collect over draft fees. i deposit  XXXX  of these checks from the state of california every month. i have to wait two weeks to recieve this payroll check. which i recieved the  XXXX  of  XXXX  and wells fargo is not going to release the funds until the  XXXX  of  XXXX . everytime i have called wells fargo they have given me a different reason. the check number is  XXXX  the amount is {$910.00}. the issuer of that check is the state of california controller and can be reached at  XXXX   XXXX  the state treasurer can be reached @  XXXX   XXXX . They told me the check was paid  XXXX   XXXX .  Wells Fargo  has refused to contact the state controller or the state treasurer. I would appreciate you looking into this matter. There has been no fraud reported by  XXXX , the state controller or the state treasurer. since it was a mobile deposit i did not keep the check since ive never had this problem before in the past. Please contact me at  XXXX  XXXX  XXXX  or by phone at  XXXX   XXXX . My name is  XXXX   XXXX   XXXX .   Thank You

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 04-05-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Credit line increase/decrease

Complaint: I am a Citi credit card customer for almost 8 years. I made a credit line request from online account on XXXX XXXX 2015. The request resulted in a Hard inquiry on my credit report. 
The credit line increase with Citi card has always been a soft inquiry for me in the past 8 years. 
In response to my complaint with CFPB, Citi executive replied ( response attached ) " When a credit limit increase request is submitted, online or by telephone with a representative, the request may be instantly approved without a credit bureau review. If the request requires additional review, you are notified that we need to obtain a copy of your credit bureau report. " When I applied online my request was immediately denied. I did not get a message that someone will respond to me in 24 hours. Based on the Citi executive response I contacted them again and the representative mentioned it specifically mentions if my credit bureau report will be pulled. The website interface is very misleading, when a customer goes to Credit line increase page, sometimes it says " customer will receive instant decision and bureau report will not be requested and few other times it says " bureau report will be obtained and reviewed in 24 hours '' ( see attached ). I told representative that I might have been shown the page with bureau report required but since I was declined instantly it should have been the page when it does n't require credit check. When I asked for a proof the executive said, she can not provide the proof of which page I clicked on as the information is proprietary. I do not understand if it is my information why the bank can not share with me what I submitted rather than saying I must have clicked on the page which says bureau report required. 

I have attached below : 1 ) Previous complaint and Citi 's response. 
2 ) XXXX screenshots of different message on the same page which leads to confusion for the customer. 
I would appreciate if Citi can remove the hard inquiry as my request was instantly declined and if it was a hard pull page I would have got a message after my request that it will be reviewed within 24 hrs. 
It is sad that Citi can not provide the proof and mistrust a customer woh has been banking with them for 8 years.

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 10/21/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Account opening, closing, or management

Complaint: In XX/XX/XXXX I hit a financial hardship, I, applied for what I thought was a small business loan..the agents name XXXX XXXX ... told to log into online banking..they would take it from there..2checks were counterfeit ... risk management without warning invaded my privacy and closed all XXXXaccounts XXXX we 're not affected by the ID Theft but have done nothing to apprehend XXXX XXXX.they threw me under the bus .now they refuse to remove me from early warning when no fraud as been committed ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Recently became aware of a credit card with td bank that was opened in my name by my sister and her husband. The account is past due and affecting  credit score  because both my sister and her husband were killed in an auto accident so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the death certificate of my sister which I faxed to them. After 2 weeks never heard back from them and called them again to get the status and was put on hold for over 30 minutes and when the rep returned she simply told me that the account had been closed and when I asked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Advertising and marketing

Complaint: American Express extended an offer for a new Gold card with a XXXX membership rewards points promotion, but then told me on the phone I was n't eligible since I had previously had a gold card. They should n't send me such an offer if they do n't intend to offer it to me. There was no disclaimer on the terms and conditions, noting the condition that I must never have possessed a gold card in the past. This is a case of bait and switch. They should be prohibited from sending such offers. Surely, the company has a record of my previous business with American Express. They said their marketing department does n't have this information. I say get it to them and do n't make me an offer you do n't intend to stand by. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I found that my information was combined with another person 's on my Experian credit report, so I contacted Experian and filed a dispute about the incorrect information. However, Experian refused to correct their mistakes : there 's still an adverse account that does n't belong to me and an address where I never lived at listed on my credit report. I never had that account, never lived at that address, and my XXXX credit report does n't have such nonsense. I 've contacted Experian XXXX times and wasted a lot of time because of this nonsense.

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 09/16/2016 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: Called Cashcall to inform them that there will be no funds available in my checking acct. I was transferred to a department who made an arrangement to have funds withdrawn on XXXX/XXXX/16. I was emailed a letter to confirm my arrangements. My account was drafted on XXXX/XXXX/16. Called Cashcall requesting a funds reversal for their breach in arrangement. Manager was not willing to help. I honor my monthly payments and always comply and they were not willing to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: Nationstar  continues to state they have made  no mistake on their servicing, while they continue to state I am one month delinquent, while in reality I am two m onths ahead since signing the modification. I have made all the payments according to the modification, but Nationstar and   XXXX    XXXX   XXXX  have not serviced the loan correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Other debt) with First Advantage LNS Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt is not mine ; XXXX misunderstood my previous submission and is treating the situation unfairly. 

If you would review my previous statement : This debt is not mine ; I had a lawyer involved with this years ago and the company agreed that I was not liable for this and it never went on my record until just recently. I was living with three other people who broke a lease ; not myself - and thus I was implicated in all of this. This needs to be removed immediately. 

XXXX needs to contact the ORIGINAL company as I stated in the above referenced case ; I never stated I attempted to contact NCAC ; Instead I stated the company ( XXXX ) stated these details. No idea why XXXX would 've ever even purchased this account. We dealt with the original management agency of XXXX ; The account in question ; had multiple phone calls with the manager of that office and was told I would not be liable for this debt. 

XXXX needs to provide research into this matter, They need to contact the MANAGEMENT company at the TIME of the case between XXXX-14 - XXXX-14 which will notify them that I am not liable for this account, I would like XXXX to provide the details of the company they contact so that I can take appropriate legal action in the County to handle this if it 's not resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I AM TRYING TO COMPLETE A SHORT SALE TRANSACTION IN ORDER TO AVOID FORECLOSURE. MY SERVICER, NATIONSTAR, HAS A WELL KNOWN REPUTATION FOR CREATING OBSTACLES IN THE SHORT SALE PROCESS. THEY REQUIRE BUYERS TO PLACE OFFERS ON A WEBSITE KNOWN AS XXXX OR XXXX. I HAVE A BUYER WHO PRESENTED ME A BONA FIDE OFFER PRIOR TO THE AUCTION DATE AND I ACCEPTED THE OFFER. NATIONSTAR MADE THE UNLAWFUL DEMAND THAT MY BUYER PLACE THE SAME OFFER ON XXXX OF THE AFOREMENTIONED WEBSITES AND PAY AN ADDITIONAL 5 % PREMIUM - INCREASING THE ACCEPTED PURCHASE PRICE BY 5 %. PRIOR TO THE AUCTION ON XXXX XXXX, 2015, NATIONSTAR INFORMED MY REAL ESTATE AGENT THAT " THE FILE IS BEING REFERRED TO XXXX... '' A FEW DAYS LATER NATIONSTAR ANNOUNCED " THIS FILE IS NOT WITH XXXX... THEY ARE IN THE PROCESS OF GETTING THE PROPERTY READY FOR THEIR SITE. '' NATIONSTAR CREATED DELAYS AND OBSTACLES WITH THIS BACK AND FORTH. FURTHERMORE, ON XXXX XXXX, 2015 NATIONSTAR INFORMED MY REAL ESTATE AGENT THAT THE BUYER THAT THE AGENT MARKETED AND FOUND WAS THE WINNING BUYER OR BIDDER. A FEW DAYS LATER THEY CHANGED THEIR MINDS. PLEASE SEE ATTACHED COPIES OF EMAILS TO DOCUMENT THE CLOWN-LIKE BEHAVIOR AT NATIONSTAR.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (OH).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: XX/XX/XXXX i tried to depost {$3000.00} into my Coinbase - XXXX account using Coinbase. They froze my account for no reason and then disabled buying options. I have emailed them multiple times no one responds. I call and no one ever answers. 

I have submitted multiple support tickets the last beingXX/XX/XXXX and todayXX/XX/XXXX Case ID : XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been the victim of Identity fraud where my credit has been pulled multiple times. I have had multiple inquires that were not from me or initiated by me on my Transunion credit report. I have attempted to speak with supervisors about the issue and have written multiple letters in regards to this matter with no avail. I have gone as far as contacting the companies that are in question and they refer me back to the credit bureau. The inquires that are to be removed are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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 11-03-2017 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (OR).
Issue: Can't contact lender or servicer

Complaint: I received a call today trying to verify my personal info. they refused to say what for so i refused to provide them with the info. then they said it was for a debt from Cashnet for a payday loan in 2006. i have never heard of Cashnet nor did i receive any loan from any payday loan services. I contacted Cashnet directly, they first tried to tell me i needed to provide a police report from 2006. Which I will not due because my ID was n't stolen and it 's been 11 years since this supposed loan which they are just now contacting me about. I asked for what they said my ID was stolen and used for a loan. Which referred me to another company " XXXX '' with XXXX as the phone number. I called this number and they tried to tell me i won a XXXX gift card. I told them i did n't care about the gift card and wanted to speak to someone about this alleged loan then i was hung up on.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo Bank charged me XXXX {$35.00} Non Sufficient Funds fee 's and XXXX {$35.00} Over Draft Fee 's for Non Authorized Debits. I disputed the Non Authorized Debits and they still took {$150.00} out of another Wells Fargo Checking Account of mine without my consent.

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 12/27/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Money was not available when promised

Complaint: I deposit a check for the amount of {XXXX} to my Bank of America checking account on XXXX XXXX. I was told that I could have {XXXX} available immediately, {XXXX} available on XXXX XXXX and the full amount available on XXXX XXXX. However, today is already XXXX XXXX and I still have nothing available to me. The check is still on hold and no any notification has ever sent to me about why the check is still on hold and when will the money be available to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Ive been having trouble with Wells Fargo Dealer services, since 2013. I paid this loan off and they put on my report as a charge off and then for the past 5 years, Ive been trying to pay the amount they say I owed " {$310.00} '' and they wouldn't ever let me pay it. After years ans year of calling the customer services I finally talk to someone that wanted to help me, because they have my title and the lady on the phone says that they will send me a lien release and that the account is too old to pay. Its been very frustrating. I would like all of the Charge off and late pays removed from my file. I do have the lien realease and now I have to go request a new title and spend more time on this.This information is incorrect. 11- 30 day lates, 2- 60 days, 4- 90 days and 28 CO 's. I dont have a problem paying the {$310.00} they say I owe them. I want to get this resolved.

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