milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2016 about Debt collection (Credit card) with FIRST NATIONAL BANK OF OMAHA (SC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX, XXXX XXXX, XXXX served me with a Summons for Civil Case Number XXXX, In Magistrate 's Court dated XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , South Carolina XXXX ( XXXX ) XXXX ( XXXX ) XXXX I live in XXXX, South Carolina which was declared a disaster area in XXXX and XXXX, in the complaint plaintiffs states " Defendant used the account to and/or authorized to use of account to obtain cash advances and/or make purchases and/transfer balances from other accounts '' I was never authorized to use the account, obtained cash advances, or transferred balances from other accounts by the Plaintiff XXXX XXXX XXXX. I contacted Frist National Bank XXXX Omaha to make arrangements to pay the account and A representative stated they could not help me. 

On XXXX XXXX, XXXX Attorney XXXX filed summons XXXX, which is my daughter birthday and the same day President XXXX, I think this is unfair business practices and harassment, therefore I am requesting an investigation into Attorney XXXX, XXXX, XXXX, and XXXX XXXX XXXX business practices. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CITIBANK, N.A. (DC).
Issue: Other transaction problem

Complaint: Citibank is refusing me access to manage my own account. They've demanded that I look at all sorts of issues on my end of things ; however, it is definitely a problem on their end. After a week of back and forths ( including multiple attempts to contact someone at CitiBank who can help ), I'm at wits end. Citibank is refusing to allow me to stop transfers out of my own account. The only error information they give me is : " We've encountered an issue and are unable to complete your online transaction. If you're having problems completing this process, please call Customer Service at XXXX press Option 0 then option 7, or call XXXX XXXX if you are outside the U.S . Please have your ATM or Debit Card number available. ''

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 09-01-2017 about Debt collection (Other debt) with ERC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently pulled my Credit Report from all three of the credit reporting agencies ( XXXX XXXX XXXX XXXX ) a have noticed a collection from ERC that was placed on my report on X/XX/2017. It states that they are collecting for a XXXX account in the amount of {$1200.00}. I have never had an account with XXXX and I also have never had anything with ERC either. I have never had an account with this company I have never spoken to this company and I do not have a contract with this company. This is an incorrect debt and false debt that ERC placed on my report. I filed a compliant with the Better Business Bureau and ERC sent an email to email address that was on the compliant asking me to enter personal information to see the message. I did not. They also sent in the mail what looks to be an old phone bill with my personal information on it. They have yet to provide me with a signed contract with my signature. They are asking me to fill out a fraud form with XXXX. I will not do anything with this company because they have yet to provide me the documents that say i owe this debt. This account has been disputed and ERC refuses to remove from my credit reports. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must delete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: My bank Caliber Home Loans was reviewing a short sale last month and as of this month they have changed their policy and are no longer willing to review a short sale. I have an offer for the full amount they were asking for at the time when they were reviewing the short sale but now they will not review it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery Associates , LLC purchased my charged off credit card debt from XXXX XXXX. For several years Portfolio Recovery has been sending me dunning notices and bills for a debt for an excess of the amount charged off by XXXX XXXX. Letters are answered with a form about identity theft and disputes to credit reporting agencies are affirmed by PRA. I believe this is in violation of the recent settlement reached with the CFPB for illegal billing practices by PRA, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Deposits and withdrawals

Complaint: In both my business and checking account, the bank processes are to re-arrange items in your account which result in you account going negative so that can charge excessive fees. In reference to the business account I was charge over XXXX in fees for a XXXX transaction that should have cleared because the funds were there. After speaking with several bank personel, not one was able to understand why the account was over drawn. They did reverse XXXX of the fees but stated I had to pay the rest. I am seeing this same kind of fishyness with the personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (FL).
Issue: Problem when making payments

Complaint: I have a loan for a heating/air conditioning system I purchased in which XXXX XXXX XXXX XXXX XXXX ( to be referred to as Wells Fargo going forward ) was the financing source. The company I purchased thru was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several month 's later we had Hurricane Irma come thru XXXX, Fla. and I was impacted financially by the storm enough that I called Wells Fargo to get relief on not making the $ XXXX monthly payment for at least 1 month. The customer service person on the phone with Wells Fargo stated she would put the request in and advised it would take approx. 60 days to get an answer. I told her to note I would not be making that month 's payment. 
I thought that answer was rather odd, so I called a few days later and spoke with another customer service rep. at Wells Fargo and pretty much had that information confirmed. 
I received a letter from Wells Fargo approx. XXXX XXXX ( after I had made that month 's payment ) that stated they were giving me a 3 month suspension on my payment. ( letter is attached ). 
The verbiage is as follows : This letter confirms our agreement to suspend your monthly minimum payment on the above-referenced credit card account for a period of 3 months. Your next payment will be due on XXXX XXXX. 
During the 3-month period : Your minimum payment due will be suspended Late fees will not be assessed Credit Bureau report updates for your account will be submitted to reflect this relief period. 
Interest will not accrue or be assessed. 

I get my billing due for XXXX XXXX and to my surprise they are requiring a {$230.00} minimum payment and had also charged interest of {$42.00}. 
This does not back up what the letter stated. 
I called customer service on 2 occasions and neither agent had a clue what I was talking about. 
I also called 4 times, XXXX XXXX ( she signed the letter of suspension of payment ), and to date I have not had a requested return call or email response. 
This whole situation is, I fear, going to open up a whole big can of worms with late fees being assessed and derogatory remarks put on my credit report, all for a Wells Fargo screw up. It seems one hand does not know what the other is doing and I need the CFPBs help. 
I will be making my minimum payment of {$140.00} on XXXX XXXX as agreed from my original contract. Who knows what actions this will start so I want to get this under control before it gets out of hand. 

AS AN ADDED NOTE, I WORK FOR THE XXXX in the XXXX XXXX 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 monetary relief
Consumer complaint received 02-12-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: My account was disabled in XX/XX/XXXX, I've never been able to log in again : These are the latest coinbase emails ; XX/XX/XXXX XXXX Coinbase asked me to change my account password XX/XX/XXXX XXXX Coinbase told me that my password had been changed XX/XX/XXXX XXXX coinbase told me that my account has been restored at this point I tried to log in with my new password, and the site asked me to enter the Authenticator code from my phone., after several attempts, in which coinbase told me that the code was not valid, I decided to try again in the evening, thinking that maybe something was still to be verified. 
my Authenticator app was synchronized with the internet, and previously always worked perfectly. 
Arrived in the evening, I still try to access my account unnecessarily. 
XXXX XXXX Coinbase told me that my purchase limit had increased from XXXX euros to XXXX euros, but I did not ask for anything. 
XXXX XXXX Coinbase asked me to authorize a new device that had been trying to access my account for a long time, I do not speak English, and seeing Location : XXXX IP Address : XXXX Browser : XXXX ( XXXX ) I naively authorized Coinbase thinking it was referring to all the times I tried to access, and only later did I realize that the IP address was not mine, afterwards I did a search on the internet, and this IP address is connected here afterwards I did a search on the internet, and this IP address is connected here IP address : XXXX Address type : Public Hostname : Could not determine to hostname DNS lookup : No reverse DNS record found ISP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dedicated Servers Webserver : No XXXX XXXX Hi XXXX XXXX , On XX/XX/XXXX, you ordered XXXX ETH via your payment method for XXXX XXXX. 
When we attempted to process this transaction it was canceled by your bank. If your payment method was charged, you will receive a full refund. If you wish to make another purchase, please try again or add a new payment method. 
Unfortunately, we are unable to restart this transaction because it was canceled by your bank. If you have questions regarding this canceled transaction, please contact your bank directly. 
We apologize for any inconvenience! 


I have not authorized anything, either! 
XXXX XXXX coinbase told me this ... Your account on Coinbase associated with the email XXXX has been successfully deleted. 

Can you understand that Shock for me? that I had more than a bitcoin and a half? all bought regularly with my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with American Profit Recovery, Inc (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from American Profit Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX on a debt they claim there client XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I owe. indicating I owed a debit to XXXX XXXX XXXX XXXX XXXX for the sum amount of {$210.00}. I sent XXXX letters to the collection agency and also to the vendor. The XXXX letter was dated XXXX and certified receipt. I advised this debit was not due or owed, and we did not order the services. The vendor actually did n't sign for the certified letter but the collection agency did. I asked in the letter to correct the account as we did n't owe the balance, and requested they respond within 10 days of which I received another letter today. Today 's letter simply states per my request they are enclosing supporting documents for the debit owed, it is simply the vendors invoices. 
This is becoming a paper chase and my fear is they will report this in my credit. Need your help as I advised in writing the debit was not owed XXXX and certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Trouble during payment process

Complaint: I recently called XXXX XXXX ( on XX/XX/2018 ) with a problem regarding my payments. I prefer to manually pay my monthly mortgage payment, which equates to {$2700.00}. Twice now I have had the issue where I manually pay before the due date, but then a second installment is taken out of my account through their recurring payment program. I did initially sign up for this program, but then thought I had cancelled it. The first time redundant payments were taken out for one month and my checking account went below {$0.00}, I thought the representative from Freedom on the phone had unrolled me from the recurring program after I called in to rectify the situation, so I assumed I could make the payments myself. Yet, it happened again. I called Freedom again and spoke to a particularly unhelpful representative named XXXX ( # XXXX ). She was rather impolite from the start of the call and asked me why I would make a payment when I enrolled in the recurring payment program, even after explaining the situation to her. After I told her I did not want to be charged an insufficient funds fee from XXXX, she proceeded to tell me it was my fault anyway. Frankly, I was taken aback by her unwillingness to help and unfriendly tone. Additionally, XXXX said she would email me a confirmation of her ending my recurring payment enrollment after I asked, but I have yet to receive the email. Also, she did not actually unroll me as I had to go on the website and unroll myself, meaning, XXXX had lied to me. I asked XXXX to speak to her manager, but she did not comply with my request and I was not able to speak to a manager. After my call with XXXX, I called XXXX to put a stop payment on the second mortgage charge. Luckily, XXXX was gracious enough to waive the {$30.00} stop payment fee, which they did the last time this happened. 

We have been particularly unhappy with this mortgage company, which was handed to us ( i.e., we did not have a choice in the matter ). We originally had XXXX XXXX which was great, then were automatically transferred without our consent. Overall, our experience with Freedom has been disappointing and frustrating. 

I tried filing this same complaint on Freedoms website, however, received a message stating, Were sorry, an unexpected error occurred. Please try again later. I attempted to submit the complaint twice, and had the same issue.

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 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Gatestone & Co. International Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Gatestone continues to call my workplace to collect a debt of {$110.00} from XXXX. XXXX has indicated to me that this was a mistake and they will correct the issue and send me that in writing. I have told Gatestone not to call my workplace phone and to send me their concerns in writing. They continue to call but I have not received anything in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have reported the information being inncorrrect to Equifax over ten times an no response for over ten years.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Incorrectly reporting a tax lien from the IRS which has been withdrawn.

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 09/16/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Problem with the payoff process at the end of the loan

Complaint: Went into branch and asked for payoff on X/XX/17 received payoff of XXXX. Paid off account at that time in person at branch. Branch had me sign a piece of paper with intention to close and payoff and sign- they faxed them to corporate headquarters. Checked status of account a week later and a balance was still showing. Called customer service and they basically said that 's the balance. They stated we never received letter of intent to close. I went into branch again and business banker stated the remaining balance was the banks fault and said he would waive it and ensure account was closed and paid off. Still nothing. Have called customer service 4 more times they say it 's not closed nothing they will do. Been back in branch and they say oh a few more days. Nothing. I want this account closed - I paid it off, I sent letter -- they are keeping it open. Giving me run around. Not good customer service. Bad policy. I have done everything correctly- got payoff, paid amount, sent letter .... they are giving me the run around, not helping.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2018 about Debt collection (I do not know) with Resurgent Capital Services L.P. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This company has filed a record on my credit report. I have no knowledge of it since they did not mail me anything. They might have violated FDCPA by not notifying me. I am afraid they have stolen my identity. 

I have no made business with them and I do not owe them anything. 

Please get a cease and desist from me

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (I do not know) with GC Services Limited Partnership (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been getting contacted by an agency called " GC '' Services and they will not tell me why they are calling me. I am not past due on any accounts that are owed and will not provide me with any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed an inaccurate negative record appearing on my credit report with TransUnion, XXXX, and XXXX. It was reported by XXXX XXXX XXXX. I also filed a complaint against XXXX XXXX XXXX with CFPB. XXXX responded and advised that they had submitted for deletion of the record and provided a reference number - " AUD deletion, control # XXXX '' The record was deleted from all XXXX reports. On yesterday, however, I received a notification that TransUnion had reinserted the exact same negative account on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I made a check deposit of XXXX at the Bank of America ATM machine. This is something I have done for many years. After making the deposit I received access of only {$300.00} which as expected. After sending out several bills knowing my payroll would also hit my account on XX/XX/XXXX and expecting several automatic payments to go through I proceeded to spend my money on items needed in preparation for my son wedding. I believe on XX/XX/XXXX I was looking at my email and found a email from Bank of America that my account was -XXXX. I called customer service and was told the deposit I made on the XX/XX/XXXX was placed on a hold because of something that was written on the check, indicating the check could be insufficient. I asked the lady how was I supposed to know that this would happen, she stated you would not have known. and why did I have to find it in my email. When I asked if I could come get the check and go cash it at the bank it was written on she told me there was no way they could do this. I explained to her that I needed this money and there was several transactions coming in and all the BOA was doing was holding my check and charging me for {$35.00} for everything that comes in knowing they have a check with sufficient funds. The check was printed by Texas Comptroller of Public Accounts. The warrant number:XXXX, which guarantee the funds and I was informed by the Texas Comptroller these funds are guaranteed. This has cause much anguish, and has basically been a nightmare for me. I have no money, I cant use any of my credit cards because they have declined all payments, and I just do n't know what to do. This is wrong, I have had this account with BOA for over 17 years and have never received such a disservice. I am no longer to move forward with my sons wedding because this has caused a 7 day delay, and I 'm just numb. I need someone to help this wrong be a right. I just cry everyday because the whole reason of me to get these extra funds was to get all of my bills paid and get ready for this which should have been a happy occasion. 

After speaking to the lady with BOA she said I 'm going to refund you one of the {$35.00} fee, but that was all she could do.

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