milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2015 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (NY).
Issue: Rewards

Complaint: A while ago I applied and was approved for a XXXX XXXX XXXX card issued by BBVA Compass bank. The most compelling feature of this card that was, was 5 % back in reward points ( BBVA Compass call it TripleDouble Rewards points ) on all purchases during the XXXX All Star weekend ( usually happens in XX/XX/XXXX XXXX Two Weeks of XXXX Finals ( usually happens in XX/XX/XXXX ). So XXXX Two Weeks of Finals starts in XXXX XXXX and I start increasing my usage of the card to finally take advantage of the 5 % back in reward points, but BBVA Compass suddenly put a hold on my card and freeze it. I understand that this happens because banks may have security or fraud concerns, but this should get resolved by a call or otherwise by confirming the validity of transactions in a reasonable amount of time. It did n't work like that for BBVA Compass, they liked to keep my card on hold while the XXXX Two Weeks of Finals were passing and the account is still on hold. They included a feature in the Reward program they they advertised that convinced but when the time to use that feature arrived, they did n't let me use it. This is bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (MN).
Issue: Deposits and withdrawals

Complaint: I purchased XXXX Savings Certificates from XXXX in XXXX of 1992, XXXX each under each of my daughter 's XXXX. Since 1992 Wells Fargo Bank purchased XXXX. I recently found the original certificates and went to Wells Fargo ( XXXX, MN Branch ) to cash them. They did a 10 day search and said they had no record of them and said they probably turned them over after 7 years to the State ofMinnesota Unclaimed Property Division. I called the Unclaimed Property folks, and they have no record of any monies coming from XXXX or Wells Fargo Bank. Wells Fargo Bank said there is nothing we can do. We will not honor the certificates. I asked if the funds could be withdrawn without turning in the original certificates, and they said no! Since I have the original certificates and they have NO record of ever paying out the monies or even sending them to the Unclaimed Property Division of the State of Minnesota, how do I cash in these certificates and receive MY money back plus interest that was listed on the certificates?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I applied for the Bank of America XXXX XXXX XXXX XXXX for the enhanced sign up bonus and additional features. I was accepted for a lower product with no explanation why. When I called to upgrade to the Signature card I was granted that and promised the bonus that came with that card. A subsequent call to Bank of America requesting a status was made by me and again I wanted to confirm I was going to get the bonus and again I was promised I would. When I received the new card I called to request when my bonus would post and I was informed I was eligible for a far less bonus since I upgraded the card. This is deceptive and not what I signed up for. Now I have a hard pull on my credit and nothing to show for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Total Card, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX debt of {$300.00} ending in account # XXXX was discharged in Chapter XXXX Bankruptcy in 2011. XXXX has sold the debt to several debt collectors since and it is erroneously reporting on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: From equifaxsecurity2017.com, " I. What Happened On XX/XX/2017, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files. Upon discovery, we acted immediately to stop the intrusion. The company promptly engaged a leading, independent cybersecurity firm which has been conducting a comprehensive forensic review to determine the scope of the intrusion, including the specific data impacted. Equifax also reported the criminal access to law enforcement and continues to work with authorities. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/2017. 

II. What Information Was Involved Most of the consumer information accessed includes names, Social Security numbers, birth dates, addresses, and in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 consumers and certain dispute documents, which included personal identifying information, for approximately 182,000 consumers were accessed. In addition to this site, Equifax will send direct mail notices to consumers whose credit card numbers or dispute documents with personal identifying information were impacted. We have found no evidence of unauthorized access to Equifaxs core consumer or commercial credit reporting databases. '' Since then, I have used the site to verify that Equifax believes I was affected, and begun enrollment in TrustedID Premier. I have also filed a 90 day fraud alert with XXXX. I will continue to monitor my credit using XXXX through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (I do not know) with Diversified Acceptance Corporation (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is my last effort to resolve this matter before I pursue to taking legal action.
This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have disputed an account twice with the credit bureaus stating for them to send me proof on how they are verify the account. they have failed to send me any type of proof. I have attempted to reach the company and spoken to XXXX at XXXX XXXX ( disputed account ) and she stated she didnt have any information on my account and was unable to validate anything. So if the company is unable to validate the account what information is the credit bureaus able to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added

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 08/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have several companies that are showing bad credit for accounts that are over 10 years old. All the negative remarks are wrong except for the medical debts that were acquired in the past 3 years everything else is well over 7 years old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On this date ( XX/XX/17 ), I went to each of the three credit reporting agencies and applied to freeze my credit reports. I was able to freeze my XXXX XXXX XXXX reports, and when I tried to do so with TransUnion, they guided me through the process on-line, but, somehow, they signed me up for " Credit Report Monitoring '', not simply freezing my credit report, and I was charged {$20.00} for this " service ''. At no time during the process was I advised that I was applying for credit monitoring and nowhere did they indicate that I was being charged. I was asked for my credit card information, however, I assumed it was for confirmation of identity. At the end of the process I was simply sent an e-mail indicating that I was charged {$20.00}. The website is set up in a deceiving way, and they fail to disclose that the " application '' is for credit monitoring and that there is a charge for this service. I do not want credit monitoring, and only wish to freeze release of my credit report. 

I have been on hold with the company for 30 minutes already, and no one has yet helped me, and there is no means of contacting customer service online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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 disputed an account on XXXX. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of XXXX, and Equifax. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX Equifax says not untilXX/XX/XXXX and Transunion told me XX/XX/XXXX I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a Citi Gold Checking account in XXXX 2016 by using a promo code which offered a XXXX XXXX miles bonus. I believe I have met all the requirements to receive this bonus. However I did not receive the bonus. I also contacted Citi customer service many times about this issue and were told the bonus would be posted to my account within 90 days of account opening. Unfortunately the 90 days deadline had far passed. But I still have not received the bonus. Therefore, I believe Citi bank has failed their promise on this. I am requesting Citi bank to honor their promise and post the bonus as soon as possible. Thanks

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 01/25/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a Federal Tax Lien on my Equifax and XXXX report. The Lien has been paid in full and released by the IRS/Department of Treasury. I have submitted 2 requests to Equifax to remove it from my credit file as instructed by the IRS however Equifax will not remove it. They close my disputes referring my back to the County were my Lien was filed. I have provided the document provided by the IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2018 about Debt collection (I do not know) with Millco Management (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: robo calling and asking for XXXX XXXX however keep me on hold then hang up. 

I have not business relations with XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: CITI Mortgage has sent me Modification Documents for a Mortgage that I do n't want to sign at this time until my previous requests have been forwarded to XXXX and XXXX. 

This has been an ongoing challenge that I have had with CITI Mortgage since XX/XX/XXXX when offered a Trial Modification. I have most recently met the terms of 90 day Trial Modification with them and have requested that I be afforded a Modification that is currently ( was in XXXX XXXX before CITI once again foreclosed on my mortgage ) XXXX offered me which would forgive the unpaid interest and penalties. 

The communication inter-departmentally appears to be challenged. Most recently XX/XX/XXXX, I was contacted by my attorney XXXX XXXX XXXX stating that CITI Foreclosure Attorney firm, XXXX XXXX XXXX wanted to know if I was going to go along with the Trial Modification program offered by CITI. I informed XXXX XXXX XXXX that indeed I had already met the terms of repayment under the Trial Modification period as of XXXX XXXX, XXXX and apparantly CITI has not communicated this to their counsel. Most recently ( see attached documents ) I received duplicate documents from Citi 's Support specialist dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX offering more assistance to me regarding my request to Citi. I also received correspondence from a XXXX XXXX from Citi asking me to sign final modification documents. 

I believe my attached documents and emails will support my continued frustration with CITI and the handling of my modification request. I would really appreciate it if the CFPB would forward this complaint with ALL supporting documents from me and what ever CITI mortgage servicing has to both XXXX and their credit counseling representative, XXXX. 

Respectfully, XXXX XXXX XXXX Cc : XXXX 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 explanation
Consumer complaint received 03/29/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo is breaking the law in multiple ways as identified below. Wells Fargo is currently being sued for these issues and if this isn't resolved we will move to form a class action lawsuit. 

Violation of law # 1 - CA XXXX has been expanded as of XX/XX/2018 to forbid dual tracking on short sale requests. Wells Fargo verified this property was under short sale review and illegally continues to have a scheduled foreclosure sale date. Stating the foreclosure is suspended while having a posted sale date is illegal, duplicitous move who's intent is to violate non dual tracking law. 

Violation of law # 2 - ( acting in bad faith regarding a real estate transaction ) Wells Fargo countered buyer to XXXX on short sale request. Buyer countered Wells Fargo to XXXX and provided a bid of XXXX showing significant damage to property. A value dispute was requested and performed by Wells Fargo. At the end of the value dispute Wells Fargo is legally required to advise buyer of their final result after value dispute is completed to allow buyer to respond. In this instance Wells Fargo decided to stay at their counter of XXXX however closed the short sale request prior to telling buyer they were staying firm. They informed buyer AFTER they closed short sale request causing harm to buyer and seller. Wells Fargo is legally required to allow buyer to respond to final offer which they did not. Wells Fargo did this due to an illegal pending foreclosure pending sale date of XX/XX/18 so Wells Fargo could charge foreclosure fees and act as a foreclosure mill. 

Wells Fargo has significant ongoing issues with non compliance. They continue to have these issues and should have their license pulled in CA rather than just freeze their ability to grow. Breaking laws and not doing anything about is unacceptable.

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 01-09-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I sent {$6100.00} to Coinbase by wire transfer from my XXXX XXXX XXXX account on XX/XX/XXXX.  Coinbase is located in the XXXX with a bank located in XXXX that should receive the payment. 

The balance has not shown up in my Coinbase account still, and today it is XX/XX/XXXX 

I have made numerous attempts to contact and speak with customer service who keep saying that they are going to put a specialist on the case. They have told me this three times. I have used both their online form for submitting issues as well as emailing them directly to ask about a status update. No response whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IA).
Issue: Fraud or scam

Complaint: On XX/XX/2018 Coinbase charged my account {$300.00}. I did not authorize this charge, in fact I have not logged into my Coinbase account since XX/XX/XXXX. There is no record of this transaction on my Coinbase account, and they never answer support calls or respond to emails. Coinbase is placing fraudulent charges on my debit card and is ignoring my attempts to resolve this issue with them directly. Additionally, they are blaming XXXX for this issue but XXXX has publicly said that the issue is not on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage was with XXXX and that alone should say it all but I 'll continue ... 
We took a XXXX out and decided to add a master bedroom and bathroom to our XXXX bedroom XXXX bathroom home increasing the property value ( or so we thought ). XXXX was assumed by XXXX XXXX XXXX which is where everything went downhill ... XXXX would not honor the appraisal and said we had to re-appraise using THEIR appraisers who essentially came in and LOW BALLED the value at less then half of what the original appraisal was. With XXXX loan payments and now heavily upside down in debt we could no longer afford much thus adding strain on our marriage we filed for bankruptcy and shortly thereafter divorce ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account on my credit report : XXXX Account Number XXXX Amount XXXX This account is not mine nor am I a responsible party. NEVER opened an account or sought credit/services with them. There is NO Documentation they can provide that says otherwise. IF they do have a copy send it to me per credit law. Otherwise please have it removed upon receipt of this official notice.

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 12/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I disputed a charge for {$270.00} from XXXX XXXX XXXX, a store in XXXX, MD. I was given temporary credit by Chase XXXX, was requested to send additional information, and was informed that I would be advised about the final determination on the dispute. Beginning on or about XX/XX/XXXX I began calling the Chase Bank Dispute Resolution Department to inquire about the final determination. I was told that it takes tow billing cycles for a final resolution ot the dispute. 

On or about XX/XX/XXXX I began calling the Diuspute Resolution Department to find out about the status of the final determination. Every agent on the phone ( conversations were recorded ) advised me that it would take a little longer. Eventually, I filed a complaint with the Federal Reserve about Chase 's inability to resolve the complaint. 

On XX/XX/XXXX XXXX XXXX XXXX from Chase 's Executive Offices called me and insisted that a letter with a permanent credit had been sent to me on XX/XX/XXXX. I  argued that, if so, it is curious that other people on the Dispute Resolution Department were not aware of it and kept saying that the letter will be sent soon. Nevertheless we agreed trhat he would send me a copy of the XX/XX/XXXX letter ( he refused to send me a scanned copy by email ). 

As of XX/XX/XXXX, I HAVE NOT RECEIVED A COPY OF THE LETTER THAT CHASE ALLEGEDLY SENT ME ON XX/XX/XXXX. I called XXXX XXXX XXXX ( extension XXXX XXXX ) and left a voice mail message, but he did not return my call.

Company response to consumer: Closed with explanation