milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX there were, multiple unauthorized charges on my Citi Debit Card. Citi blocked my card and refunded me the transactions ( worth of {$700.00} ). Three weeks later, the same transactions show up in my account saying " other '' under description. I call Citi, they say the case was not in my favor. I ask what " case '', I was supposed to have XXXX liability for unauthorized transactions, not was I ever contacted in regards to the transactions. I am given a fax number - and it took over an hour on the phone - saying I should prove I have n't authorized the transactions. I check online, the original fraudulent transactions are completely deleted from the account, I just have Citi 's recent withdrawal of the same amount under " other '', with no merchant detail or information. Today I went to a branch to fix this. After one and a half hour, no resolution. It took that long for the manager to even find the original transactions since they have been deleted from the account. They all happened on XXXX XXXX - I have proof of a phone call with Citi as well as the issuance of a new card. Citi says XXXX of the transactions actually happened on the XXXX ( by which my card had to been blocked ), and that they are re-investigating, however they ca n't refund me the money. I was told it was an online transaction and I should check in with the merchant - that would have been useful if they had told me to do that XXXX XXXX, when the transaction happened, not now, 3 weeks later, when the order must have been fulfilled. it 's not my job to police fraudulent uses of my card, it 's Citi 's - they are supposed to have my back. Have they contact the merchant? I will never know because not XXXX single detailed of the so-called case has been shared with me - nor was I notified by Citi withdrawing that money. This is no OK. The bank ca n't just delete transactions, take money out of my account - all without notice or approvals. Now I am still missing {$700.00} worth of unauthorized charges and Citi says they are looking into it. How can I trust them with my money? This could happen tomorrow and they would be like " sorry, we do n't believe you ''. How can I prove I had n't authorized online charges, three weeks later, with no merchant data or warning / details form the bank as to what they have found? I understand they have to find a way to make a difference between unauthorized charges and disputed ones, but as a customer, I need to know they have my back. Even the manager was confused as to why the transactions disappeared from my account, or the multiple misleading informations regarding the transactions ( I was told it was done XXXX XXXX, then XXXX XXXX when in fact I had found it XXXX XXXX. the only proof I have is the text message from Citi warning me of a fraudulent transaction that they later did not own up to ).

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 10/22/2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (NY).
Issue: Trouble during payment process

Complaint: This complaint involves XXXX XXXX XXXX and Greentree, ( Ditech ).

We received a HAMP loan, when we requested a HARP loan!

This started with XXXX XXXX XXXX and attempting to complete a HARP loan. The problem was, they kept shift the servicing agents on us, transferring the paperwork, losing paperwork, resubmitting paperwork, losing that paperwork according to the next servicing agents, then finally contacting the " Office of the President '', Vice President, calling on a every other day check-n, he leaving or being transferred, paperwork lost, and then being transferred to Greentree as our servicing company.

We started the paperwork again after approximately 12 or 14 months, asked for a HARP loan with them, moving towards foreclosure from Greentree. Then finally with no to little time left on foreclosure, recieved paperwork from Greentree, special delivery, to sign for the loan.

Not understanding, no explanation was given what a HAMP loan was, but told we must sign these papers and get it back to them or foreclosure was going to happen, soon.

We signed the loan. Received the statement of additional costs added onto the loan because it was a HAMP loan for an addition balloon or additional fee of {$110000.00}, which was incorrect since we did only owe for the 14 months of non payment while trying to change the loan through XXXX and being stalled and stalled and stalled.

We believe we were conned by the bank, stalled by the bank and then given no other choice other than sign the paperwork and be penalized for something we DID NOT ask for.

We have not contacted an attorney asa of yet and wanted to share this with the governing body before we start a class action lawsuit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: XXXX   XXXX ,  2017 , I opened a Pep Boys credit card to take advantage of the 6 months same as cash offer that is advertised on Pep Boys web site and at their store in  XXXX , CA. Pep Boys uses Synchrony Bank for their credit cards. I was approved for more than enough to cover the repair however, the Synchrony Bank representative told me I could not use the card for my current repair purchase and had to wait until I received the card in the mail to use it. I would not have spent the time opening the card if I could not use it for the current repair purchase and take advantage of the 6 months same as cash offer. I have no complaint with the service person at Pep Boys. He was very patient and accommodating. I do have complaints about the attitude of personnel at Synchrony Bank.

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 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I exchanged virtual currency for USD using Coinbase 's service. I requested a withdrawal of {$230.00} on XXXX XXXX, 2017. They debited my exchange account and told me the wire would arrive in my bank within ten business days. It has now been a month and I still have not received my funds. I have opened multiple support tickets with Coinbase but they have been completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (MA).
Issue: Problem with customer service

Complaint: I've followed the instructions on Equifax’s TrustedID Premier website and cannot access the site. I've used XXXX and XXXX browsers but the TrustedID Premier website is experiencing continuous outages and the customer service phone number has a long wait times and busy signals.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (Conventional home mortgage) with PLAZA HOME MORTGAGE, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: I fell into default and have spent more than 11 months trying to work with my mortgage co. to find a permanent resolution and avoid foreclosure altogether. During my active review for workout assistance they set a sale, and foreclosed on my property violating my homeowner bill of rights. I have proof of my records and just want the sale reconsidered.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am a Protected Class Member of the XXXX XXXX XXXX XXXX XXXX. This debt is not mine ; it is a matter of Identity Theft.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was funneled into payment plans that did not include the ability to pay according to my income. Consequently, I defaulted because I could not pay the minimum due each month so eventually, when I was a specific amount overdue, I defaulted.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (KS).
Issue: Account opening, closing, or management

Complaint: Having always used a small town bank, when my wife and I began traveling more, we decided to shop around for a bank with a national footprint. As Citibank credit card customers we looked into Citibank checking and signed up for a new Citigold account with a promotional offer of XXXX XXXX miles once we completed a few requirements. We fulfilled these requirements, and began using the account regularly. We enjoyed the online banking and mobile deposit options that our previous bank did not offer. On XXXX separate occasions I contacted Citibank via secure message in order to make sure that I had fulfilled the requirements for the promotional offer. On both occasions I was assured that I had done so and the miles would be posted at the end of XXXX or first of XXXX. When I did not receive the miles, I contacted Citibank, and they then informed we that I was not eligible for the offer and therefore would not be receiving the promotional miles. This appears to be shady business practice. I signed up with the promotional offer, and on XXXX separate occasions ( via secure message ) Citibank reps confirmed I would be receiving the miles. Now Citibank refuses to honor the promotional offer. This is poor business practice. If there was an issue with eligibility, this should have been brought to my attention at sign up or by the rep that confirmed my status back in XXXX. I have made multiple attempts to get these promotional miles credited to me, but they continue to refuse, inspite the fact that their own reps confirmed I would receive 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 explanation
Consumer complaint received 06-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold to Ditech on XXXX XXXX. I immediately started making my payments through my bank bill pay. I make the full monthly payment on or before the XXXX of each month. I also make a mid-month additional " principle only '' payment. Ditech is holding this mid-month payment until the first of the next month. I have called them and I have emailed a detailed request for them to apply my additional principle immediately upon receipt. They wrote me on XXXX XXXX saying that they needed 30 days to investigate and resolve the issue. I just received another letter from them saying they need additional time to review my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: They have a collection report on my credit report I have sent 609 letters to the company and the credit bureau to get verification that the debt is mines and ut has been over 30 days and no one has responded to me, also the company is not licenses in the state of texas therefore they are not allowed to collect any debt from me, my texas identification number they have dont match my original id therefore they are also reporting false collection on my report

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX, I executed a qualified written request which was overnighted to Seterus by the United States Postal Service through Express Mail under tracking number XXXX on XX/XX/XXXX. It was received on XX/XX/XXXX. I requested a complete payment history. They acknowledged the request on XX/XX/XXXX and XX/XX/XXXX. I have heard nothing to date since then. I have enclosed a certification of amounts due regarding the foreclosure action. Seterus claims to be the servicer since XX/XX/XXXX, however, they are attempting to be reimbursed {$11000.00} for taxes they allegedly paid from XX/XX/XXXX to XX/XX/XXXX. Why is Seterus attempting to be reimbursed for taxes that were dispersed before they became a servicer? They are charging for {$630.00} for 44 inspections but failed to state when these inspections were done and what they encompassed. They claim I owe {$140000.00} in principal but failed to show how they came to this figure. There was a long forbearance agreement years ago which went on for months and months. How do I know if this was reflected in the current principal amount and interest due? How did they arrive at {$74000.00} for interest without a proper payment history? I dispute all of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Transunion has not provide me with proper evidence of negative accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a letter from XXXX on XXXX XXXX, 2016 informing me that they contacted Transunion and requested them to remove hard inquires from my Transunion Credit Report. I recently viewed my Transunion Credit Report and Transunion refuses to remove the inquiry from my credit report. The letter will be provided upon request, The letter is signed by 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 10-02-2015 about Credit reporting () with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: MY WELLS FARGO CREDIT CARD LIMIT IS INCORRECTLY LISTED AS HAVING ONLY A XXXX DOLLAR LIMIT. MY CREDIT CARD LIMIT IS XXXX DOLLARS FOR THAT CARD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2015 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Sent notice to cease and dismiss collecting Written Off debt that is over the Statute of Limitations to sue, along with all communications with us or any member of our family. This was to include but not limited to telephone calls, letters and personal interviews. They also responded by letter using fraudulent documents along with misrepresentation and deceit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have not yet disputed the items because they are 8 or 9 years old and should not be their anymore, which they still are. I would be much more confident about getting this resolved through your organization. Since this is illegal based on my research, which indicates statute of limitations for delinquent credit reporting is 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Diversified Consultants have a collection account on my credit report that I was not informed of AT ALL. They never sent me a notice at all where I could request validity and verification of that debt in which I am disputing. I am documenting this case right now for legal action if necessary and CC'ing my attorney. This collection is for {$470.00}. I reside at XXXX XXXX XXXX XXXX and never even heard of this company. I will be filing identity theft report and an affidavit as well since this is not my debt at all. CC : Consumer Affairs, FTC, BBB, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX Bank of America closed my credit card account I have had with them since XXXX. I was not aware of this action until I attempted to verify I had a XXXX balance on Friday, XX/XX/XXXX. After learning my card was closed, I contacted Bank of America by telephone on XX/XX/XXXX. The representative assisting me was n't able to explain to me why the card was closed and stated that I would receive a letter explaining why my account was closed and that the letter was sent on XX/XX/XXXX. 

She then offered to submit a request to reopen my account, I gave her my permission to do so, she then stated the request was denied because those terms and conditions were no longer available. She then offered to take an application for a new card as " they likely had a product that better fit my needs. '' I declined. 

I received the letter stating my account was closed on XX/XX/XXXX. The letter states that my account was closed due to a recent view. The account was closed because of : inactivity on this account ; sufficient utilization of your available credit ; current or past delinquency with one or more of your creditors. 

I believe that Bank of America has acted in a discriminatory manner, a manner that acts against the best interest of XXXX customers. Over the last 15 years that I have been an card holder of Bank of America my credit score, utilization and delinquency with other creditors were not an issue until just now. Over the last year I have worked to increase my credit score over XXXX points, reduced my utilization rate from nearly 95 % to just 46 %. In addition I have had no late payments in the last 12 months. By Bank of America choosing to close my account will negatively impact both my credit score due to the length of time I have had the card and utilization rates due to the  reduction of available credit. If all of my credit card companies acted in the same manner as Bank of America has it would severely impact my ability to obtain credit and the ability to rebuild my credit going forward. 

The decision to close cards based on the criteria that Bank of America is great for them, but not good for the average consumer.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was one of the roughly 143 million people whose personal data was illegally obtained in the Equifax hack that was reported on or around XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Other debt) with CL HOLDINGS LLC (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have Two collection accounts listed on my credit report for the same amount. I don't feel it is fair to be able to list it twice or the reason it is being charged to me. That is why I am reaching out for help. 

It initiated with XXXX XXXX when I discontinued my service with them. It wasn't for a bill or phones that I owed, but because I discontinued 2 lines of service with them. They charged me {$840.00} for dicontinued service of 2 lines. Which is {$420.00} per line of service. 

This is outrageous and should not be allowed to be done to anyone. Please help. If I can provide any other information, please let me know. 

Thank you for your time and assistance. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Struggling to pay mortgage

Complaint: I requested a HAMP loan modification inXX/XX/XXXX. Ocwen Loan Servicing just responded that they will not modify the loan because it was included in a Chapter XXXX discharge. I am willing to assume the loan, so this answer does not seem correct. Ocwen also said that they need a complete Family Transfer Package. I sent them a completed family transfer package in XX/XX/XXXX, and they acknowledged receiving it.

Company response to consumer: Closed with explanation