milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2017 about Checking or savings account (CD (Certificate of Deposit)) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I purchased a 7 month {$1000.00} CD at 4 % interest compounded daily on  XX/XX/XXXX  from   XXXX     XXXX   XXXX . Account or  XXXX  number :  XXXX . I never redeemed the CD expecting that it would continue to collect interest, even if adjusted. About  10 to 14 wee ks ago I called Fifth Third (  5/3 ) B ank who purchased   XXXX   XXXX   XXXX   some years ago about redeeming it. Several times I have been promised return calls from both the Corporate office and local branch but they never have kept their promises. I call back and they tell me it will take a week or so to research the matter of providing proof it was redeemed and try to dissuade me by saying it might cost me a lot of money for them to do that. I tell them to do the research. Then they say they may have deleted or purged the information.I do not believe I ever received any form of payment for the CD. It was purchased as a gift for my son and he kept saying he would let me know when to cash it in and give him the money. He waited until recently to ask me about it as our family is planning a  XXXX  vacation this Fall and he always intended to use it for travel. After several calls to the branch ( phone :  XXXX  ) I spoke to  XXXX  a t Fifth Third Corporate  on  XXXX / XXXX / XXXX  ;  XXXX  #  XXXX . Any assistance you can provide me would be greatly appreciated. I know my CPA tells me I have to keep my tax and business records indefinitely. I would think the banking industry would be have at least the same requirements as a small business owner would. Thank You Again,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian inserted a vacated/Withdrawn state tax lien on my credit. I uploaded the original letter that the state of Maryland sent to be that states that the Tax lien has been withdrawn and no further action is necessary. The letter also states that a copy was sent to the credit reporting agencies. I am trying to purchase a home and this insertion is causing me issues. To make matters worse, the lien was filed last XXXX XXXX. Experian just put it on my credit XXXX XXXX XXXX. If you do not investigate them, my next recourse is to sue them.

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 06-11-2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$240.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Equifax Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Back in XXXX XXXX my credit card was fraudulently used on multiple transactions. While Capital One was quick to issue credits for the fraudulent charges. However XXXX 3 charges were charged back to my account. XXXX XXXX XXXX # XXXX for {$550.00}, XXXX XXXX for {$160.00} and XXXXXXXX XXXX # XXXX for {$330.00}. Despite being given the police report and FTC affidavit identifying these transactions as fraud Capital One Decided to hold me accountable for them. I immediately redisputed them, speaking with a case manager who told me she would have them removed back in XXXX XXXX. Over the next few months I called in multiple times to inquire as to the status of these fraudulent charges and was always told the case manager would have to call me back. Yet I never received a call back. 

Finally I spoke with a Fraud Account Manager who told me because they suspected the charged where domestic fraud even though it was clear I did not make the charges they would not get involved or honor their fraud zero liability stance as advertised and written in the the credit card agreement. 

Under 15 U.S. Code 1643 - Liability of holder of credit card then Burden of proof In any action by a card issuer to enforce liability for the use of a credit card, the burden of proof is upon the card issuer to show that the use was authorized or, if the use was unauthorized, then the burden of proof is upon the card issuer to show that the conditions of liability for the unauthorized use of a credit card have been met. In no way has Capital One fulfilled this requirement. Instead they have shifted the burden of proof onto the consumer in violation of this law. 

Then Exclusiveness of liability of a cardholder incurs no liability from the unauthorized use of a credit card. Regardless if the possible suspects may or may not be known the to the consumer as long as the consumer never gave them permission to use the card. Capital One is violating this law as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Payday loan () with Diversified Consultants, Inc. (FL).
Issue: Can't contact lender

Complaint: I receive calls during my work hours non stop calls, one after another.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (CA).
Issue: Managing, opening, or closing account

Complaint: I gave a NetSpend Debit XXXX card to my XXXX year old daughter as a gift. The amount I purchased was {$120.00} There was an additional fee of XXXX, so the total paid by me was {$120.00}. 

When my daughter called to activate the card the service representative requested her social security number and her drivers license number. She gave the service representative this information and only to be told that they could not verify her identity and the card could not be activated. 

Calls to NetSpend 's customer help line XXXX does not provide access to any customer service rep. The caller is cut off after a few minutes even after providing requested personal information. 

An email to NetSpends Customer service address has gone unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Transunion continues to report a XXXX XXXX account # XXXX as derogatory. This account has been either closed 10 years ago and/or is part of a discharged bankruptcy ( 2015 ). 

***Negative reporting on a discharged debt is a violation of the permanent injunction of my bankruptcy discharge. *** Transunion is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against Transunion. 

I am requesting that Transunion CEASE and DESIST their negative reporting of this XXXX XXXX account.

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 08/30/2016 about Mortgage (VA mortgage) with LoanCare, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I am a XXXX tax exempt veteran, I along with the City of XXXX have submitted the proper documentation to the Loan Company on more than one occasion, and they have yet to properly adjust my mortgage payments. The taxes stopped coming out in XX/XX/XXXX or XX/XX/2016, I received a refund from the Loan Company, and the XXXX. Then in XX/XX/XXXX the Loan Company paid a tax disbursement to the City on my behalf for the XXXX and XXXX Quarters, and resumed having my mortgage reflect the taxable amount. I have called LoanCare on more than one occasion, and I keep being told that it will be taken care of. That I will receive a refund, and my account will properly adjusted. Another month is passing, and it has not happened yet. When I called today, I was told to give it 10 business days, I explained that the last time I had called more than 3 weeks prior, I had been told the exact same thing, that it would be resolved in 10 business days. I am fed up with the handling of my loan, especially a VA Loan!!

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 09-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: on XXXX/XXXX/2014 i was traveling from XXXX to XXXX. l dont use XXXX and paid all toll by cash. 
that day about XXXX a couple of car approached to cash toll for paying toll fee, but no one there for collecting money. ( no one all cash boots ) about 5 minutes all cars ( about XXXX cars ) waited to pay but no one showed up for collecting toll money. 
we went next cash toll boot and told her no one was there and we could not pay by cash. 
she said fine and she collected {$8.00} and she gave me the attached receipt. 
about 10 days later l received a letter about toll violation letter and l called XXXX Department of Transportation and told them what was happened. and sent letter with the receipt. back and forth finaly they gave me a collection agency and reported credits B. 
I would like to solve this problem and not blamed on it because i did pay and did n't do wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The collection company has ignored my request to validate the debt and continues to report the alleged debt even after I have disputed the validity of the debt.

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 04/28/2017 about Student loan (Private student loan) with Climb Credit Inc. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Me and my husband applied for loans on  XXXX   XXXX  with Climb  Credit . They approved me and had me co-sign on his loan for approval.We started at our   XXXX   XXXX   XXXX     XXXX   XXXX  on  XXXX , and right away we knew they did not live by their motto. They said they would be with us every step of the way. We contacted Climb to ask about switching schools, switching classes, starting over etc ... any possibilities because we left our jobs and took out  XXXX  in loans. They said they would get back to us the next day ... we never heard back from them. we sent a couple emails out asking about the possibilities and never heard anything until  XXXX   XXXX  when an email was received that we had been withdrawn. we immediately called and no one could help right away. The fact is we never withdrew ... We never signed any papers stating we wanted to withdraw .... They never spoke with me..EVER ... they took a payment that should not have been withdrawn from our bank account.  XXXX   XXXX  said they initiated the withdrawal until we mentioned CFPB and attorney and they quickly stated Climb initiated it. We are filing a separate order against  XXXX   XXXX . They lied and said because of attendance. We missed 2 days at the time they initiated the withdrawal. We left our jobs, we have lost wages, maxed our credit cards so we can try to maintain our dream of schooling, and now we are expected to pay Climb back for the portion  Climb  took out of the loan .... No one has ever heard of a school withdrawing anyone on someone else 's word. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Hi, I have transferred an amount of XXXXXXXX to my Coinbase account. However, I did use my wrong bank account for this ( not linked to my Coinbase account ). I used another SEPA bank account instead of my linked SEPA bank account. The amount of money that I did send has not been added to my Coinbase account. 

Afterwards, when I did find out about the NOT linked SEPA bank account, I eventually tried to link this specific SEPA bank account to the Coinbase account, by transferring an amount of XXXX XXXX again to Coinbase. This by hoping the initial transfer of EXXXX was going to be accepted in the end. 

Nothing happened and I start to create a case on Coinbase support. A support employee, named " XXXX '' responded initially on XX/XX/XXXX by looking into this transaction of EXXXX from the wrong NOT linked SEPA bank account. XXXX from Coinbase did reply afterwards that the issue has been investigated and acknowledged and a so-called specialist is going to address is properly. Support will contact me personally to follow-up with me as soon as they did have an update. 

This was the last reply I did get personally from support. 
However on XX/XX/XXXX I did receive an automated e-mail from Coinbase that the wrong payment of XXXXXXXX is going to be reversed to my local SEPA bank account ( sending bank ) within 1-2 business days. Afterwards I did receive on XX/XX/XXXX a second automated e-mail from Coinbase that the OTHER wrong payment of XXXXXXXX is going to be reversed to that very same local SEPA bank account. On XX/XX/XXXX ONLY the EXXXX did hit my local bank account ( and was successfully returned ). The EXXXX never was reversed. 

The EXXXX is now missing whereas I was in the assumption that this payment was going to be reversed as well. This never did happen and they are still holding my XXXXXXXX illegally. 

Starting from XX/XX/XXXX, support is NOT reacting anymore / replying my e-mails, while they should either respond what is going to happen to fix/address this issue. Also on XXXX forum they seem not to reply anymore on these cases. 

See XXXX XXXX XXXX for more information about the problems with this company. 

Thanks and best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NE).
Issue: Managing, opening, or closing account

Complaint: I have a bluebird american express card purchased at XXXX. My account has been frozen and is under review. I was told this process would be completed in four business days. I called to check the status on this at least 4 times. Each time I was told 4 business days. I called back on the 4th day and was told i would get an answer by the end of the day. What time was considered the end of the day could not be provided by the agent. I heard nothing and called back again. I was then told it would be 5 business days. the agent said i was provided the wrong timing. How could that be XXXX different times by XXXX different people? I got the same answer that I was provided the wrong information and I would get an email about the status of my account. I called back the next day to check again. I was told an agent called me and did not get an answer so I would have to wait two more business days to get another call from them. I told the agent I was informed I would be contacted by email and that I was at work at the time I could n't answer the phone why do I have to wait two more days. A supervisor then got on the phone and said she would check and see what the next step was and she would call me back by XXXX eastern time. I got a call back at exactly XXXX XXXX and was told again they did not know the status and could not provide me any timing. I asked if there was someone in this mysterious backroom I could speak with. I asked if they needed more information or was there anything I could do to get an answer and my funds released. The answer was " the backroom office is unavailable and they are closed now anyway. I feel like this person waited to call me back until there was nobody else to speak with because they had all gone home. My payroll check is deposited on this account and my children have been at home alone for this amount of time because I did not have the money to get home to them, I also have been sleeping in my car because of this hold that nobody seems to be able to explain. I work hard for my money and it is too late for my payroll check to be deposited to a different account. I have now had to miss my children and their activities as well as being forced to sleep in my car due to this conflict of information and lack of an explanation for the hold on my account. The last answer I received at this time is " All the supervisors know my situation and when they hear from the backroom about the status of my account or what steps to take they will contact me. '' I asked when I might expect something and the answer was. " I ca n't provide timing, we are waiting to hear from the backroom. '' I feel like I have been getting the run around and want the company to be honest and forthcoming with information. I have no problem providing any information needed in order to get my paycheck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I paid off a Macy 's credit card in XXXX of 2014 and received a paid-in-full letter thereafter from Macy 's  attorney. It was a settlement that Macy 's agreed to and signed to in front of the judge when i fell on hard financial times. I have proof that I paid every red cent agreed to. Since then, 3 years later, Macy 's in conjunction with XXXX ( they merged ) have reported to all XXXX credit bureaus that I am late every month to this day. I am constantly disputing this fact with PROOF to the XXXX credit bureaus, Macy 's credit and XXXX, however I am told that internally, Macy 's and XXXX do not communicate with each other. When the credit bureaus try to question them, they claim I owe {$380.00} to this day. As a result, I have been denied credit, or charged on average, 4 % more interest rate to lease or purchase anything. I have written letters and made calls with escalations for 3 months now and Macy 's constantly denies THEIR OWN paid in full letter. I spoke to Macy 's attorney who claims, they must accept the proof I submitted to them. They do n't. Various people at XXXX as claim they had an internal problem with account numbers ; another told me the 2 company computers do not communicate ; yet another told me, this is happening frequently and yet another said, this amount of {$380.00} was supposed to be written off by Macy's/XXXX but was not ; an internal mistake that is costing me thousands and lots of heartache. Please help 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 monetary relief
Consumer complaint received 04-02-2018 about Mortgage (Other type of mortgage) with Ditech Financial LLC (IA).
Issue: Struggling to pay mortgage

Complaint: continuation of XXXX complaint due to Ditech Financial LLC not following their own word and finding excuses to get them out of loan modification contract they made with me and after i sent them the first payment for loan modification and had sent them their paperwork and a copy of paperwork overnight through XXXX. Ditech is now denying the loan modification due to paperwork not arriving in a timely manner and i have proof through XXXX tracking that paperwork did arrive on time at their office in XXXX, Arizona on the XX/XX/XXXX as was needed, but was not delivered due to " Customer not available or business was closed '', but was delivered on the XX/XX/XXXX and signed for by a XXXX. since i have received calls from Ditech Financial llc and prior visits from their reps on saturdays, i fully assumed that their office was open and reps were available to receive the XXXX package with the loan modification paperwork. since the paperwork was delivered in a timely manner, Ditech Financial LLC should keep their word and honor their contract as i had with returning the signed documents and made the first loan modification payment. in a letter received XX/XX/XXXX, Ditech Financial LLC, STATES that i have 2 choices..SHORT SALE ... wanting me to sell my personal property ( my land that i had previously before purchase of mobile home ) that had nothing to do with my original purchase or loan modification and pay them off. the second was DEED IN LIEU OF FORECLOSURE.. wanting me to voluntarily hand over the deed to my personal property. again had nothing to do with my purchase of my home. 
also, my complaint leads into the right hand not knowing what the left hand is doing. my first statement after returning loan modification documents and making my first payment on the loan modification, i receive my first statement again with threats of taking my home and saying i am delinquent for 523 days even tho i have been making payments every month since my original contract matured even tho i still believe the amount owed is manipulated through creative financing at their whim and not owed, just so i can keep the home that i have been paying for going on 22years and the contract was 20 years. i feel there needs to be a complete FEDERAL AUDIT of my account and many others to see the creative financing Ditech Financial LLC fka XXXX XXXX that this company is capable of! 

Also would like to see how 2 large payments of XXXX and XXXX were applied to my account. Another thing is my account payment was raised from {$280.00} to XXXX after i had a bankruptcy in XX/XX/XXXX ... .where did that go?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation