milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: A few weeks ago I got approved for a CitiBank  XXXX   XXXX  credit card. It finally arrived yesterday  XXXX / XXXX /   17  in the mail and went online to activate the card but I as soon as I hit the activate button I received a message saying I need to contact Citibank Fraud support. When I called the number an agent whose name is  XXXX , ID :  XXXX  who asked for sensitive information such as the credit card number on my   XXXX   XXXX   XXXX   card which I refused to give out due to    XXXX   has nothing to do with Citibank. She put me on hold several times for a long period of time when I asked to speak with a Supervisor/Manager. While on hold she hung up on me and did n't bother to call me back. I called in to my nearest  Citibank  branch and they said that no agent should  EVER  ask for credit card info other than a  Citibank  card. At this point I 'm extremely frustrated with this bank and they refused to cancel my account since I need to send a photocopy of my social security card along with my driver 's license over to them to verify my identity. This is extremely sensitive information that can not be shared on the internet let alone via email. I 'm reaching out to you guys seeking for further assistance with this matter. Let me know if you need more information from me, 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 06/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Disputed info is deleted the reinsert ed on my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: CAPITAL ONE GRANTS CUSTOMERS THE XXXX SERVICES POWERED VIA XXXX, BUT ARE UNABLE TO USE BECAUSE XXXX IS BLOCKING MY CREDIT. CAPITAL ONE MUST CONTACT BOTH ARTIES OR BE SUED.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Problems caused by my funds being low

Complaint: just got off the phone with a representative named, XXXX. I explained that I received a fee and that it was unfair that I got such fee having requested for overdraft protection and that since my account was new if she would be willing to check into it and possibly refund me over the phone without having inconvenience to go in the branch. I ca n't just take off from work when I please for personal business. Nonetheless, she said that she would try and link the account but, turns out she could not since the account was so new. This is really a shock to me and I do not have money to give away. The money was there and I do not have a debit card yet, as it was promised 3-5 business days. I have never experienced such poor customer service for a mistake that was clearly not mine. I am sure policy does not require such treatment be this was as well. EFT was only used because I did not have a temporary card of some sort to use to have come out right away. Lastly the check was written in hopes of overdraft taking affect and now they want to keep my money, where there was no intentional wrong doing on my behalf.

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 10-02-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (IL).
Issue: Trouble during payment process

Complaint: I am required to carry Flood Insurance on my home. Per the 1994 FEMA Reform Act, a copy of which is attached, I am only required to carry a policy for the outstanding principal balance of my loan which is currently {$130000.00}. This is the lesser of the 3 requirements. 

Attached is a copy of my Insurance Dec Page, with coverage for over XXXX. When I requested a reduction of my coverage limits, Citibank required me to carry coverage for XXXX AND withdrew funds from my escrow to pay for this " gap coverage '' Per my conversation with FEMA this is in direct violation of their policy. 

Per my conversation with Citibank Mortgage, they just require additional coverage?? This is unacceptable. This violation has cost me hundred and hundreds of dollars for unnecessary insurance premiums, which also has resulted in my monthly payment to increase hundreds of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion deleted all inquiries prior to XXXX 2016. They reinserted all the inquiries a week later without proper notification being sent. Since then I have contacted TransUnion via telephone multiple times, I have also written letters that were sent via certified mail. They have been uncooperative in correcting this matter. All inquiries prior to XXXX 2016 needs to be deleted and my credit report needs to updated to reflect the most accurate information. Please help me to ensure that TransUnion follows the law. Thank you for your assistance.

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 03/23/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a bankruptcy request in XX/XX/2009. I decided to withdraw the bankruptcy and paid all creditors in full. The records show the bankruptcy request was dismissed XX/XX/2009, which was immediately after filing. 
Both XXXX and XXXX deleted this derogatory info upon request. 
Equifax treats it like a regular bankruptcy and will not delete it. This greatly affects my credit capabilities. I have a stellar payment and credit rating otherwise. 
I have had a statement attached to this negative report, and the person who input it misspelled several words which make me look even worse. 
There is no purpose served by not removing this filing. It was filed prematurely and immediately withdrawn without any adjudication. I need this entry deleted as the other bureaus have done. 
I am a XXXX veteran and I need my clean credit rating. 
This is the only negative on any of the credit bureaus. 
Please help me! 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Fraud or scam

Complaint: On XXXX/XXXX/XXXX at XXXX I sold XXXX XXXXXXXXXXXX per ETH ( {$3500.00} ) to my USD Wallet on Coinbase. My ETH was removed from my wallet, but I 've never received my USD. This transaction is supposed to be instant and it 's been 30 days and I still do n't have my money. I opened a case with Coinbase support ( Case ID XXXX ) on XXXX/XXXX/XXXX and I received an update on XXXX XXXX that they were going to have a specialist look at the issue. I called their phone support on XXXX/XXXX/XXXX and after waiting an hour on hold the analyst told me that my request has been properly escalated and that 's all she could do XXXX XXXX ID XXXX XXXX. When this amount of money is on the line I do n't see how this level of service/support can be acceptable. 

Coinbase needs to resolve my issue and deposit the {$3500.00} to my USD account on Coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 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: I disputed a collection that was added to my credit report from XXXX XXXX XXXX. After disputing this collection. The outcome was to remove this collection and it can never be sold to any other collection.

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 01-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: On the XXXX/XXXX/XXXX someone did a fraudulent wire transfer from my Business account at Chase Bank. The amount of the wire was {$40000.00} Chase bank approved the wire, debited my account and to this day XXXX/XXXX/XXXX they have not credited my account. 
The company the wire was sent to ( XXXX XXXX XXXX XXXX XXXX ) does not exist. 
Chase Banks claims department has informed me that the claim has been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
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: I called Chase to report fraudulent charges on my credit card statement that were from XXXX car rental in XXXX on XX/XX/17. I was never in XXXX and reported the charges to Chase on XXXX occasions. I also had them replace my card with a new one and new number. Chase has not done a thing to remove the charges and i have been tranfered from dept to dept. The total charges are {$1500.00}. 
I also want to note that I recieved fraoud alerts from chase via email and text and replied to them as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/13/2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: It 's been going on 3years and no real outcome, i filed a dispute with Experian and XXXX which is their credit reporting agency about an account with my old apartment which we went to court for non payment because of repairs not done to unit, the judge enter a no money judge and said the apartment people would have to sue me to collect the amount they say i owe. The apartment failed to do so and sent my account to collections who is trying to collect on an account that is not collectable. Experian has also made me field over 3 disputes in claims that the previous representative did it incorrectly and one time the dispute took longer than 30days in which experian lie and said they emailed me tge outcome which they never did. And XXXX and XXXX with experian lie and told me that where specialist in legal documents and sided with XXXX, causing more damage to my name and credit and holding me back from getting my first home.

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 11-03-2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Citibank personal banker opened XXXX unauthorized credit accounts, XXXX for myself and XXXX for my wife.

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 11-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with United Student Aid (USA) Funds (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am responding to the recent response by USAFUNDS and XXXX XXXX. USA Funds did not respond to my statement that they have not entered disputed on my credit reports and that is illegal USA FUNDS is not doing this, and they need show proof that they have been doing this.

Company response to consumer: Closed
Consumer complaint received 05-12-2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a loan that I defaulted with XXXX XXXX XXXX. My account is being sent to different collections agency. I was making payments with a collections agency than my account was sent else where with out notice. Now my loan is with XXXX law. In a response they stated that they received my account on XX/XX/2015. But on XXXX XX/XX/2015 I received a letter from XXXX that they had my account and was receiving phone calls from them up until XXXX XXXX 2015 and I filed a complaint against them and they never responded until the account was with XXXX. I do n't understand why my account keep getting passed around so quickly. I did n't received notice from XXXX until XXXX XX/XX/2015. As I stated previously I 'm unemployed and I 'm actively seeking employment. I can only pay about {$25.00} until I 'm employed. Once employed I 'm more than willing to pay more. My co signer is also unemployed and is leaving on a fixed income. He has medical bills he has to pay because he had XXXX XXXX and had to get it removed he also had XXXX more XXXX after the initial XXXX. He was in the hospital for almost XXXX months. I was paying on my student loan up into XXXX. I called the previous company and it took them XXXX weeks respond to let me know they were no longer in charge of my loan. I finally contacted the people who had my loan through XXXX they told me to call a number. I called the number several time and did n't get a response I later found out the company had changed it 's name. I also have medical problems and have to take XXXX medication which I have to pay out of pocket because I do n't have any health insurance and have to see doctor regularly and have to pay out of pocket. So the money I have left is about $ XXXX- {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was previously with XXXX XXXX XXXX and they sold it to BSI Financial as of XXXX XXXX, XXXX. My mortgage had been in the foreclosure status previously with XXXX XXXX XXXX due to my husband being XXXX and not getting paid. We were working with XXXX XXXX XXXX to get the mortgage current. We finally received the documentation and total amount due to get the mortgage current. We did not receive this information until XX/XX/XXXX therefore the total amount of {$14000.00} was sent to BSI Financial on XXXX XXXX, XXXX, which made our mortgage current and out of foreclosure. We have been trying since XX/XX/XXXX to get information from BSI Financial on our loan details. They are not sending us statements or giving us any information. We filed bankruptcy in XX/XX/XXXX and have continued to make our mortgage payments with XXXX XXXX XXXX since then. Now BSI is telling us they will not send us statements because our home was included in the bankruptcy yet we have continued to pay it and was reaffirmed. My husband had to send a letter to BSI Financial requesting monthly statements and also he had to say that he understood they were for informational purposes only. We have been trying to make our XXXX XXXX house payment which is what is due. We have gotten nothing but the run around from BSI Financial. They keep saying our house is in the active foreclosure process yet the payments are current. I have called numerous times, left numerous messages and no one returns calls. I have owned my home for 18 years and have escrowed my homeowners insurance now this new company is telling me that I ca n't do that. When I told them that I wanted the money back that had been escrowed through XXXX XXXX XXXX for my homeowners insurance, I got ignored, the customer service person tried to change the subject. I told him that they were stealing my money if they did not return it. I was then told that they would have to do an escrow audit and they would return any property tax overages. This is not the property tax escrow money, it is homeowners escrow money, XXXX different things. I did not seek this company out to service our mortgage. I want to make my house payments yet keep getting jerked around. I try to go onto BSI Financial 's website to make payments and I get locked out. I call to get it unlocked again, no response. This company needs to be shut down they are taking advantage of people that had no choice in using their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Medical debt) with California Business Bureau, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX I received a letter from California Business Bureau , Inc. asking me to pay a debt from a hospital visit on XX/XX/XXXX for {$1300.00} plus {$290.00} of interest. 

XX/XX/XXXX I sent a fax to the California Business Bureau , Inc. with a statement from XXXX XXXX XXXX XXXX XXXX showing a balance due of {$660.00} I also faxed a letter to dispute the debt amount. 

XX/XX/XXXX I called California Business Bureau , Inc. to confirm they received my fax, the person with whom I spoke confirmed it and also explained that one of my health insurance provider, XXXX, paid for my visit to the hospital but they later claimed their money back. She also advised me to call XXXX. I contacted XXXX to confirm this information and the representative informed me that XXXX never paid any amount of that bill because of my deductible hence they never claimed any money back. 

XX/XX/XXXX I called XXXX XXXX XXXX XXXX to verify the amount of my debt and the representative said the hospital sent a balance due of {$660.00} XX/XX/XXXX I called California Business Bureau , Inc. to request an explanation of the amount they are collecting and the manager of my account did not even let me talk she started talking about my insurance provider and that I should contact them, and when I tried to tell her that I talked to them, she never let me. I also told her that I did not understand why she was talking to me that way if I was being polite to her and I only was trying to get responses about the amount they are charging. This agent offered to transfer the call to her supervisor but I was transferred to a voice mail machine instead, I left a message with my name and phone number but I have not been contacted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CURO Intermediate Holdings (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: fraud error dont know but they are not mine inaccurate information must be removed .... violation of all my right as a consumer i sent several letter to all the company listed speedy cash a lot of inquires that are not mine XXXX XXXX and XXXX will be all disputes in the mail of the violation that they have put on my credit report ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Trouble during payment process

Complaint: 1.We obtained a loan modification under the MHAA. We had continued to make every mortgage payment due. Our mortgage was purchased by Nationstar, XXXX, TX. 2. We filed for bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. We continued to make our payments and were credited {$1000.00} principal payments for three years as a loan modification payment incentive. 3.In early XX/XX/XXXX, we were informed our payment would increase and I contacted Nationstar to discuss a refinance. I was told our mortgage was in default and had been since XX/XX/XXXX. 4. I learned our payment amount had increased in XX/XX/XXXX but WE HAD NOT BEEN NOTIFIED OF THE INCREASE ( even though our bankruptcy had been discharged and we received other correspondence from Nationstar at our address of 27 years ). Because I did not pay the new payment amount, Nationstar claims we had " missed '' the XX/XX/XXXX payment and had been delinquent every month since then. Also, WE RECEIVED NO NOTICE THAT OUR PAYMENTS WERE DELINQUENT. 5. This caused us to be denied our incentive of two years ' {$1000.00} principal reduction payments and caused our payment history to appear atrocious. 6. I requested the company age the payments current, notify the credit reporting agencies and apply two {$1000.00} principal reductions. Nationstar acknowledged they had not notified us of the increase but denied responsibility for the resulting payment shortages which they classified as delinquencies and they refused to remedy the damage.

Company response to consumer: Closed with explanation