milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2016 about Bank account or service (Checking account) with PNC Bank N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Thought I opened a regular checking account with PNC Bank, included a deposit of {$2000.00} that occurred on Saturday, XX/XX/2016. However, I was unable to access the account, so I called customer support on Monday XX/XX/2016. I am unable to access my account or the funds without a " signature card '', which I 'm told is a piece of paper I have to physically sign ( note that, as far as I can tell, this card is not a method of payment, but rather solely used to contain a signature. I asked why, and was told the card is used to verify my information. I asked, do you not already have my social security number, driver 's license, and {$2000.00} deposit? I was told that, for some reason, a physical card with my signature was necessary. I was also told the card takes 3-5 business days to receive. However, I have not received any such card. I then tried to close my account over the phone and have my funds returned to my issuing account. They also said this would be impossible without the " signature card ''. Is this not a violation of FDIC laws? The deposit was less than {$5000.00}, meaning there 's no reasonable expectation for the bank to issue a hold for this period of time. Phone representative : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Payday loan () with Enova International, Inc. (MD).
Issue: Charged fees or interest I didn't expect

Complaint: Cashnet USA keeps debiting my Savings Account and causing me undue hardship because everytime they do that it cost me {$30.00} ; They initially charged me {$220.00} and now they want another {$220.00} ; they keep playing games and having different people call me to make verbal arrangements ; they sent me an e-mail with an offer and I sent them a counter ; then they sent another person to call me to record me but, I did n't make a verbal agreement. I have the documentation to subtantiate my complaint. They keep changing the payment arrangements and due dates to keep me paying them longer and more money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Rewards

Complaint: I 'm experiencing a hard time with Citi Bank. Citi Bank had a promotion in XX/XX/XXXX, which was Citi XXXX Access More credit card. They advertised that if you apply this credit card with Citi, then buy a phone at XXXX and spent {$2000.00} within XXXX months, then Citi Bank will give you a {$650.00} credit. I applied the credit card and got approved on Citi website, and follow the link to purchase a phone then got re-directed to XXXX website, then placed the order and received confirmation email on XXXX/XXXX/2015. Then XXXX emailed and let me go to their local store and get my identification verified, so I went and got the phone at their local store. Then I started to spend money with that credit card, by XXXX/XXXX/15 I had already spent {$2000.00}. I called Citi customer service on XXXX/XXXX/15 and asked if I need to fax or submit anything to get the {$650.00} credit as they said in advertisement, the representative said no and she had seen all the transactions and I was qualified so I should see the credit on that billing cycle. I did and I did n't see the credit. I called again on XXXX/XXXX/15, talked to an account manager called XXXX in XXXX office, she checked and said I would have the credit on my account on the next business day. I waited again, but disappointed again. I called on XXXX/XXXX/2015 again, and requested to speak to XXXX, got refused by the representative, and she told me I had to fax them the purchase receipt of the phone and I should have the credit on my account in 5 business days. All right, as long as you give me the credit, I did fax the receipt to them on XXXX/XXXX/15. Unfortunately, I did n't see the credit by then. I called again on XXXX/XXXX/2015, this time another account manager called XXXX in XXXX office spoke to me and said I was not qualified since I did n't buy the phone through the link. I told her I did, I followed the link and placed the order and read the email from XXXX Then she said since I just faxed the receipt, it would take another XXXX billing cycle to see the {$650.00}. And she lied that someone from XXXX office had contacted today regarding this, actually nobody from Citi Bank had ever contacted me even though they promised that someone would call me every time. I paid all my balance, I just need my {$650.00} credit back. If people have overdue payment with Citi Bank, they will charge them a high interest, how about this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX update inaccurate information on my report. First they updated a payment made on my XXXX account which was false. I submitted a claim with cfpb based on this in accurate information. On XXXX XXXX, they alerted me that XXXX was removed from my credit report and began to offer me credit card applications. I called equifax and XXXX  regarding this deletion and but company stated it was inaccurate and XXXX was indeed on my credit report. XXXX XXXX is NOT ACCURATE with my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Bank account or service (Savings account) with BB&T CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: XXXX unauthorized transactions in my BBT account XXXX Checking {$1500.00} to a XXXX XXXX Savings {$7000.00} to a 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 06-09-2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Loan servicing, payments, escrow account

Complaint: After reinstating my loan with Flagstar Bank in the amount of {$89000.00}, which was obtained through the law offices of XXXX XXXX, hired by Flagstar Bank, stated that this would bring my loan current. This amount was paid with cashier 's check on XXXX XXXX, 2015. I made my next mortgage payment of {$5300.00} for XXXX ; however, on my XXXX mortgage statement it shows additional fees of {$1200.00}. I called Flagstar and inquired about this and I was told that Flagstar does not have to disclose additional internal fees in the reinstatement fees. This is totally unethical for a lender. We as borrowers assume that the reinstatment fee is it and we have for-filled our obligation in good faith and then the lender imposes additional fees, at their discretion, after they stated that a certain amount will clear our past due obligations and bring all monies current. This practice needs to be scrutinized by the federal banking regulator bodies to stop this in the future. When XXXX is told that this amount will reinstate the loan to a current position, that should be it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (I do not know) with Data-Central, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX sold a debt to XXXX XXXX XXXX, the letter I Have attached from XXXX did not validate the debt, also the letter states the letter states the amount was XXXX and it was from 2010. why wait till now to turn it over to the credit bureaus? I have spent hours tracking this debt and it has been sold to XXXX other debt collections companies the last one Data Central Collections turned it into the XXXX major credit bureaus. attached is a page with the collection on my credit report. My understanding the law states they can not add to the debt and they are trying to collect {$1300.00}. 
Neither of the XXXX collections agents that bought the debt notified me of the debt before reporting it to the credit bureaus if they had i would have ask them to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have creditors that are time sensitive debts that are over ten years old and by Oregon state law it is my understanding they should no longer be on my credit report. What information can you provide me to help remove these creditors from my report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Medical collections that was removed by company has been re-inserted as a collection on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NJ).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I sent a letter instructing Citibank to cancel my account # XXXX on XX/XX/XXXX, requesting that a physical check for the account funds ( approximately {$6000.00} ) be mailed to me. I sent several follow-up letters, but received no reply. Apparently, the account was actually closed, but Citibank did not send the funds to me -- instead, they say they marked it as " abandoned property '', and submitted it to the US Treasury. They did not inform me of this action ( despite having my email and phone number on file ), and I can not find any record of this with the US Treasury. I wish to have my funds located and returned to me by 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 explanation
Consumer complaint received 08-03-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received notification from Transworld Systems Inc. in XXXX XXXX, PA in XX/XX/XXXX that I owed tuition from XXXX XXXX University. The XX/XX/XXXX and XX/XX/XXXX tuition was paid on a credit card and I called the school to confirm payment receipt. They said they did n't know why this was turned over to a collection agency. I called the collection agency and they wo n't work with me. I made copies of all my payments including the account printout from the school with my XX/XX/XXXX and XX/XX/XXXX account information showing a XXXX balance due. I sent this information to the collection agency certified mail with a return-receipt confirmation. I would like the school and collection agency to get their accounts straight and ensure my credit rating has not been affected by this inaccuracy. I am enrolled in the XX/XX/XXXX semester and the tuition information is reflected on these statements but will be covered in the fall with student loans and personal payment. Those figures are not part of this issue as I just registered for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: Complaint about company - Coinbase Coinbase is a digital currency exchange, headquartered in  XXXX XXXX. It is one of the biggest digital currency exchanges, which registers 40,000 new users everyday. 

I made a SEPA deposit of XXXX EUR to my Coinbase account on the XX/XX/XXXX. This is approximately {$1300.00}. The intention was to make an international deposit to my Coinbase account, to purchase crypto-currencies. 

On XX/XX/XXXX, coinbase sent an email to me, saying that they were unable to clear my accounts ability to receive deposits at this point of time. For this reason, the funds will be returned back to me within 1-2 business days. 

On top of that, my account was temporarily disabled for no apparent reason from date of the SEPA deposit payment. So I was not able able to login. 

Due to this money not being returned to me, I have financially struggled in making ends meet and living on a minimum. I have also lost out on huge potential trading profits. 

I have emailed XXXX, XXXX, which supposedly worked at one point but do not anymore as the emails bounced back on me I have emailed on the coinbase customer portal - https : //support.coinbase.comXXXX. Here is says that priority is given to people with payment issue and account lock-outs. Two problems which I have had. All I get is an automated useless email with ticket numbers. The automated emails say that due to high volume, it will take several days to respond to the issue. 

In addition I have tried calling them, resulting in phone bills which costing me hundreds of pounds. I dont even get to speak to someone. I get automatically hung up on due to high volume calls even if I call within the first second of opening times. 

In addition I emailed XXXXXXXXXXXX, XXXXXXXXXXXX and XXXXXXXXXXXX CEO of Coinbase ). These emails seem to work as I have not had an emails bounce back to me. But I have got no reply. 

In all my emails I have tried to be polite and patient. But now I feel, enough is enough and it has become a ridiculous, not acceptable, pathethic situation. 

I am tired of reading that coinbase will reply within several days due to high volume. Coinbase need to block the thousands of new people joining everyday and focus on supporting their existing customers. Why should existing customers suffer for the new. No other digital currency exchange is providing this exceptionally poor service that Coinbase is providing. 

You can not hold and not return customers money for such long periods of time for no reason Stay away from Coinbase. Customer service is non existent. There is no way you can reach someone and talk to them. the best you will get is automated emails. Thousands of people are in the same situation as me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My client is XXXX XXXX and I have been working with her toward a loss mitigation resolution since XXXX 2014. We had an equator file open for her so the property was supposed to be in the marketing status - waiting for an offer. In XXXX an offer was received, the equator file had been closed out - without any notice to me or to the borrower. I reopened the equator file XXXX and had to email to ask when nationstar would send me some tasks. Over the next few weeks I submitted documents as requested. The BPO was supposedly ordered XXXX XXXX, but we were contacted for entrance to the property until XXXX XXXX. Again, all docs were in and all tasks were completed by XXXX XXXX per the first processor XXXX XXXX. The borrowers were served with the order to docket and preliminary loss mitigation affidavit in XXXX. I wrote to both Nationstar and the law firm representing them that the order to docket should not have been served as we were in the middle of applying for loss mitigation and not all options had been reviewed. I requested that the lender and the law firm make note that the final loss mitigation affidavit should not be served as we had a complete short sale application pending. We still have a complete loss mitigation application pending.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent certified letters, documents, made contiounous phone calls in reqards to unathorized inquiries and a collection account that i have requested verification of and have no knowledge of and still havent got items removed yet

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: XXXX XXXX XXXX XXXX claimed they were a law firm hired by Capitol One to collect on a credit card debt of around {$600.00}. Now saying I owe over {$3000.00}. He said they would contact my car loan people and repossess my car for the debt. 
He knew I had filed bankruptcy, said they talked to the judge and the debt was dismissed but they ( XXXX XXXX XXXX ) were collecting the debt and damages anyway. He said the debt was now {$3000.00} but they would settle for {$600.00}. 
I have not been served with any paperwork for any of this. He said I was trying to avoid them when he called me and knew my address.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Federal student loan) with GREAT LAKES (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested my loan information and the right to be placed on a rehabilitation program and they refused my request, for the income driven rehabilitation payment plan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with CITIBANK, N.A. (OK).
Issue: Getting a line of credit

Complaint: The following company took taxpayer money and is now advertising that they will change their policy on lending : Citigroup.

Here is part of the article : Last month, Citigroup added restrictions on firearm sales for new retail-sector clients, requiring them to sell firearms only to customers who passed a background check, restrict sales for buyers under 21, and not sell so-called bump stocks or high-capacity magazines.

I was good enough to give them my taxpayer money, but a company will not be able to get equal lending policy due to restrictions that CITIGROUP thinks should happen in commerce.

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 06/29/2017 about Debt collection (Auto debt) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The car was totaled, and gap insurance was purchased on the car. The balanced was XXXX out. There is no amount due. Account is currently showing up as derogatory and closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2017 about Consumer Loan (Vehicle loan) with KEYCORP (NJ).
Issue: Managing the loan or lease

Complaint: I recently ( XXXX ) changed my payment due date at Key Bank. This month the payment was due XXXX/XXXX/17, my bank XXXX XXXX XXXX sent a check that was delivered on XXXX which was a Friday, Key Bank then took Friday, Monday and to " process '' the payment. They then charged me a late fee on XXXX/XXXX/17. I do n't think it 's fair that they can take their time " processing '' a payment and then charge a late fee. It should be counted as the day they receive the payment. They could theoretically hold everyone 's payment for " processing '' as long as they like and then charge everyone a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (FHA mortgage) with PNC Bank N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I opened a Mortgage loan with National City XXXX in XXXX. National City sold the loan to PNC Mortgage. 
After becoming XXXX in XXXX in XXXX, I went through a nasty divorce and was forced to declare bankruptcy. The PNC loan was discharged in my bankruptcy. 
According to PNC records, PNC then sold the loan to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX.after the XXXX bankruptcy discharge. XXXX has been reporting a balance on the loan falsely which I was recently able to reverse. 
PNC is still listing ownership of the loan on my XXXX credit report. 
This means that my credit report has been wrongly reported as having XXXX separate mortgages. XXXX for XXXX and XXXX for PNC.when infact there was only XXXX. 
I disputed the reports with all XXXX credit beaureaus. XXXX still reports XXXX mortgages. 
I have contacted : XXXX PNC Mortgage to request the removal of the inaccurate report to all credit agencies, since this error has caused me to suffer unfairly. Pnc each time told XXXX that the information was correct even though thier own records show that they no longer have ownership if the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: According to XXXX XXXX ( per my pending complaint ) a ChexSystems score was used to close my account after it had been opened and set up ( approved by a Principal in the company ). I did not receive any notice from ChexSystems regarding a denial or was it clear to me that XXXX XXXX would use a third-pary reporting system without my knowledge. Additionally, the redress option that I was offered from ChexSystems was to order a report because I was denied credit. This is first time I 've even heard of this company as from my understanding the XXXX major credit bureaus determine credit scores. However, this is not the case. The issue I have with ChexSystems is that I was not informed that I was denied an account via XXXX XXXX because of a ChexSystems score. The report I received ( as the letter I uploaded ) indicates I have no history of " mishandled, reported for cause, and/or outstanding debts. '' Either the information that ChexSystems provided to XXXX XXXX was incorrect or there 's another scoring component. Additionally, the language used on the " Inquires Initiated by Consumer Action '' states that " These inquires can be viewed for ninety days up to three years. '' What is the criteria for that? Who determines how long they will stay on the report? Does this negatively affect your score? How can you know your score when the report does n't show it? These are all questions that have not been answered by ChexSystems. It is unfortunate that such an opaque process is used deny consumers the information they need to address an issue that is so clearly important ; understanding consumer reporting agencies and having access to redress issues that are vitally important to a consumer 's financial life.

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