milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: We owned  XXXX  CC a balance of {$8000.00} o  XXXX   XXXX   XXXX   and we were told to pay {$2700.00}, by   XXXX   XXXX  , so I wo n't be penalized to pay the interest promotion which was {$800.00}. We decided to close the account and pay the full balance which was  XXXX , On   XXXX   XXXX  . I was told since I paid the full balance that I was going to receive {$860.00} for the interest adjustment. However in order to get this I was told I needed to request by calling them and they would post it in the computer and mail me the check within  XXXX  days. I have called several times to send my check of {$860.00} that I was told by several customer service representative that they would mail me the check. However, all I got from them on the   XXXX   statement was an account statement with a credit of {$810.00}.  XXXX  towards my close account. When I called on   XXXX   XXXX  , about this their reply was the money went toward the account, and can not be mailed to us.

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 09/24/2015 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: About two years ago I visit my local US Bank branch in XXXX CA to open an account, while I explained to the banker thatI am here in US few month out of the year, and I only want to open an account that does n't charge me any fee, the banker has assured me that there will be no charges, I was out of the country for a year and had no access to check my bank or statements, they have started charging me dormant fee {$5.00} due to inactivity of the account. Now that I have visited my local branch they have charged {$57.00} fee and they are not returning this money claiming that this money goes to the goverment. I am a senior citizen and on a fixed income. This transaction was illegal and not authorized and they claim that this is a government fee, and not a bank fee, but they fail to provide an address of the government agency that this money went to. I like US. Bank to refund my money. 
This is taking advances of seniors on fixed income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian credit agency would not delete wrong information on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My name is XXXX XXXX and I am very disappointed with my credit files, XXXX XXXX, XXXX XXXX and Experian XXXX. My credit score is creeping up XXXX point at a time. I am very discouraged with negative items that are still not verified by the credit bureaus, past seven years and then re entered into my credit file.

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 01/16/2016 about Debt collection (Medical) with Amity Associates LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To whom it may concern, My name is XXXX XXXX, it seems that I have an open debt collection with Amity Associates in New Jersey. This seems to be due to an amount of money that I owe to a former dentist of mine from 6 years ago. I have just checked what the status of this debt is, and it is open currently. I would like to know why they have this account open and have not made any effort to contact me regarding this issue these past years. My goal is to have a reliable credit score, however this debt collector has a negative impact on my credit score. I would like to settle this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have stuff on my credit report that does not belong to me, I go by XXXX not XXXX. I want the stuff removed that is listed for XXXX. with experian

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 06/30/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (VA).
Issue: Managing the loan or lease

Complaint: I had a Macy 's American Express card and someone stole my credit card information and charged over {$2000.00} to my card on XXXX XXXX, 2015. I was alerted by Macy 's of the situation and they closed the account, sent me a new card and asked me to fill out the appropriate paperwork and send them a copy of my driver 's license. I did everything they have asked me to do. The charges are still on my account along with late fees and interest. I have called them several times and they said it may take 90 - 120 days to clear. In the mean time I have been getting harassing phone calls by XXXX multiple times a day from Macy 's. They call my office, home and cell phone. I find this all very disturbing that this is not cleared up by now. I have a XXXX credit card also and when I have had fraud on it, it is cleared up within a week. I do n't know what else I can do at this point. They have dinged my credit and I have sent them a letter about all this. I do n't feel as a consumer who was a very loyal Macy 's customer for years that what they are doing is appropriate and I am very frustrated with their whole process. They are wasting my time and their 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Under the new law effective XXXX XXXX, 2017 any public record data must include name, address and SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

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 07-01-2015 about Debt collection (Credit card) with Resolute Credit, LLC (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I had a credit card opened in XX/XX/XXXX with XXXX, NA after I was married to my husband in XX/XX/XXXX. Even though it was in my name, we both used the card for both of our use, which included purposes for the home we bought in XX/XX/XXXX. However, since the credit reached a substantial high of {$6500.00}. along with other credit cards we had that we made home improvements on, we decided to refinance on a XXXX mortgage in XX/XX/XXXX with XXXX Mortgage eliminating these debts. Unfortunately, XXXX child later, and in XXXX, we divorced and I 'm left in a strict foreclosure after losing my job due to the economy crisis in XXXX and working XXXX jobs to meet the mortgage and during XXXX job I took a fall which left me on XXXX since XX/XX/XXXX, still fighting for XXXX. However, let me be brief ... XXXX, XXXX apparently sold off debt to XXXX XXXX , XXXX in XX/XX/XXXX, that 's XXXX years later. I 've never had it on my credit report since then. Like I said, I refinanced the debt in XXXX. When I received the letter from XXXX XXXX , XXXX inn XX/XX/XXXX ( which by the way is over the statute of limitations in CT ). I immediately advised them that this credit was refinanced in XX/XX/XXXX and she said ok I 'll take care of it. There must have been an error. I was never notified any time after that, but I was taken to small claims court in XXXX XXXX where there was a judgement against me yet no papers were ever sent to me for {$5000.00} judgement XXXX months later. Then they sold the debt off to another credit agency called Resolute Credit who is now again taking me back to court and threatening me when they know that they can not go into my funds because I am on worker 's compensation and I was receiving child support which just ended and my son is living with me until he goes to XXXX in XX/XX/XXXX. However, this man legally threatened to go after my checking account again for the same amount knowing I just turned into the court via fax An Exempt for Execution which I should n't have had to do in the first place because the Bank ( XXXX ) should have been able to protect my money with my Divorce Decree on File as well as my XXXX Check. They should have marked my account as XXXX!! And they did not do their job. So yes, I believe this should be made public for others to see. So it does n't happen to them. And their should be laws put against these Credit Card/Collection Agencies that do this because now I have this on my credit report which ruins my credit report while I now need to look for a place to live and when they need to check my credit score, it brought it down traumatically. And they should be held liable for this damage.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home on XXXX XXXX, 2016. I prepaid {$1100.00} in interest for the month of XXXX to the originator ( Bank XXXX ) as part of closing ( found on the XXXX. ) The mortgage was then sold to another bank ( Bank XXXX ) on XXXX XXXX, 2016. Bank XXXX only reported ( on the XXXX ) the interest paid between XXXX XXXX and XXXX XXXX, 2016. Bank XXXX only reported interest paid between XXXX XXXX and XXXX XXXX, 2016. This left an unreported sum in the amount of the difference between the prepaid amount and the reported amount from Bank XXXX - which has an impact on my taxes. 
Bank XXXX stated that they are n't responsible for any prepaid interest made prior to their purchase. Bank XXXX stated that they only report the interest paid/applied while they owned the loan. Both are adamant that what they reported is accurate. If that money did n't go towards interest, where did it go and why is the consumer ( me, and I imagine many others ) getting XXXX out of the reported interest paid on the loan due to a mortgage transfer?

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 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2016 I noticed that previously deleted inquiries on my credit report that were deleted had reappeared and were given new dates to expire.

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 01/27/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom It May Concern : My mom was finally approved for a home loan modification after having to file for bankruptcy after getting into a bad home loan.We then attempted to sell the house to break even with the bank, and finally get from under this house we had the bank provide 3 final payoff quotes, an amortization schedule to make sure that since the house did n't sell we are paying it off in a timely manner, and making sure that this is all good to go. Now 5-7 months after being approved for a modification, being provided an amortization schedule, and paying the mortgage on time ( as well as paying an extra $ XXXX/month which has to go directly towards the principle ), the overall loan pay off amount increased {$7000.00}. Here I am trying to do the right thing and budget accordingly and Wells Fargo how now claimed they made an error?! Although it is in the contract to be able to go back and adjust numbers if they made a mistake, this is now 4 months since we have been completely modified. It 's like the bank never wants me to be able to sell this house back and be able to pay them off. I am requesting an in-depth review of this account by the CFPB as this is absurd and unfair. I am looking for Wells Fargo to forward {$10000.00} directly towards the principle for their mistakes or I will be looking to take them to court. After having them look into this matter they said some money was missed placed in escrow that is there accounting error and my mother and I will not keep paying for wells fargo 's miscalculations after already getting the short end of the stick from the beginning with this bad home loan. 

Thank you,

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 03-08-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello i am paying a private student loan to a national lender. The problem is that i had make a lot of payment during a period of 8 years and the principal still practically the same at the original amount. Original amount XXXX, and today debt is XXXX. I had call then and they only said that those payments represents interest over interest and past due penalties costs.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage LLC, the alleged servicer trying to illegally foreclose on our home, and the subject of breach of privacy complaint, ref CFPB file XXXX, who alleged XXXX to be the " current owner of debt '' on the Notice of Default that it recorded on XX/XX/2015, violates CA Civil Code 2924.17 for lack of proof of this statement. 
XXXX 's EVIDENCE - XXXX has " yet to conduct an investigation on this account '' and requested CFPB on XXXX XXXX, 2015, to extend its resolution date of XXXX XXXX complaint to XXXX XXXX, 2015 ( CFPB case number XXXX ). 

Nationstar 's recorded Notice of Default on XX/XX/2015, therefore, LACKS LEGAL FOUNDATION ... as the ALLEGED DEBT, and ALLEGED CURRENT OWNER of DEBT XXXX XXXX yes " yet to investigate the account ''. Until proven otherwise, this Notice of Default, remains to be UNLAWFUL and thus the resulting TRUSTEE Sale of our home XXXX XXXX, 2015. 

Nationstar also defaulted on XXXX 's Debt Validation ( DV ) Request of XXXX XXXX, 2015 ( relative to Nationstar/XXXX Notice of Debt Validation dated XX/XX/2015- with 30 day to validate debt ; then Nationstar violates FDCPA by recording the Notice of Default two days later, XX/XX/2015, without satisfying DV requirements ). XXXX requested in DV, among other things, to personally view the " alleged NOTE '' - per requirement of UCC 3-501 on presentment. 

Nationstar defaulting on this DV request, in addition to alleged owner of debt XXXX that has yet to investigate the account, renders this NOTICE of DEFAULT of NO LEGAL BASIS, and therefore UNLAWFUL and needs to be rescinded. 

Thank you, CFPB for your URGENT HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (VA).
Issue: Struggling to pay your loan

Complaint: I started this loan with Cashnet USA this in 2017, once my loan was processed the company explained to me my payments would come out of my account during my bi-weekly pay period. At this time I asked if the payment could come out once a month, I was told, they go by my pay period. From there I started to have trouble the next month with paying my mortgage which I pay at the beginning of the month. I have been getting late fees from my mortgage company, my bank and other bills due to this. I have had to close my XXXX account which I will have to pay the {$200.00} fee. My mortgage company there is a {$35.00} fee each time I am late ( I have a 1st and 2nd mortgage ). I have attached bills that have been late along with letters of late notices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Deposits and withdrawals

Complaint: On or about XXXX/XXXX/15 PNC Bank charged our account an overdraft fee when there was ample money available to cover the check in question. I was told that a " debit transaction '' was on " hold '' and that was the reason for this particular charge. I would think that a " debit transaction '' would post quicker than a check payment and automatically withdrawn from the available funds. Eventually that is not the case with this bank. This action plus the fact that PNC Bank continued to add additional fees basically making it impossible to get caught up. They would continue to redeposit checks over and over and now they are claiming our account is negative - {$430.00}. We received a letter from them dated XXXX/XXXX/15 stating that we are going to be reported to XXXX. The fees they are seeking are due to there handling ( holding debits ) against the account causing checks to bounce is intentional and a way for the Bank to take a persons hard earned money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2017 about Money transfer, virtual currency, or money service (International money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Money was not available when promised

Complaint: The money suppost to be delivery 3 to 5 business day and now ist over 10 business days and has not been delivery yet and the bank dose not giving me an answer they said that dont know where the money is?? An amount of {$5000.00} us dollars

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 08-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: 1. I made a CASH deposit of {$1500.00} to my Wells Fargo Credit Card in error at a Wells Fargo office by mistake. It should have gone into my checking account. When I realized what I had done an hour later I called customer service to have it corrected. 
XXXX, CS told me it would take a few days to get it corrected. I waited a few days and it was not corrected. I called CS again and was then told it would take 10 days. I was in need of the money to pay bills so I tried to call again on XX/XX/XXXX and was told it would take till XX/XX/XXXX to get my money back by CSR, XXXX. I asked to speak with her supervisor XXXX ( sp? ). She told me the same thing. I asked to speak to her supervisor and was connected to XXXX XXXX from Consumer Care Dept and Research and Admin.. He told me he could do nothing to correct this until it was corrected on XX/XX/XXXX. We had a lengthy heated conversation at this point. Bottom line they would not give me back my cash until XX/XX/XXXX ( They would have then had held my cash for 23 days ) just because they said it takes time to process.. I asked for executive office number to file a complaint and XXXX XXXX told me he was it and their was n't anyone else I could speak to. 
I find this to be quite unfair to the consumer. In this computer age there should be no excuse that this could not be corrected sooner or quicker than 23 days. I believe that Wells Fargo is taking advantage of consumers like me and benefiting from the money be held for such a long. Just think, if this happened to other consumers, which I 'm sure I 'm not the only one that has made this type of error or similar error, how much it adds to their bottom line till they have to give it back.. If this 23 days is their process time to correct something, I think their process needs to be look at. and change.

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 08/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Other service problem

Complaint: Coinbase has a 2 step verification process that includes texting a code to your cell phone as the second step. I no longer have the phone that I used when I first signed up with Coinbase and so my 2nd verification process is going to a phone number that I no longer have. I have tried on numerous occasions to log in, and then change my cell number so that this would be resolved. I was told that I had to have a Web cam in order to fix the problem, so I go out and buy a web cam and take a picture of both the front and back of my drivers license and then a picture of myself as well. That should be easy enough to do, but when I try to submit the pictures, I always get an error message. So I am still unable to log into my account. I have tried to contact customer service numerous times and have only had one response : " XXXX XXXX replied : Hi XXXX, Thank you for contacting Coinbase Support. 

Im very sorry for the difficulty completing the ID verification in order to recover your account. In order to complete account recovery, your ID must be uploaded by you into our system by webcam, along with a photo of your face ( a.k.a. a selfie ). Unfortunately this process can not be completed using the mobile app. 

If youre having trouble getting your upload approved, here are a few troubleshooting tips for uploading and verifying your ID : - Take the picture in a well lit area. Natural light works best. 
- Try to use indirect light for your ID to avoid glare - Use an up-to-date version of the XXXX browser - Clear your browser cache, restart the browser, and try again. 
- Wait 30 minutes between attempts If none of these steps help, please let us know and we will do our best to continue the troubleshooting process. ''

Company response to consumer: Closed with explanation