milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: False Advertising - Citibank US ( Promotion Code XXXX ) Opened an account with Citibank with Minimum deposit of XXXX back in XXXX.Maintained the funds for 6 months now, Citibank promised to gave promotional bonus {$400.00} ( on maintaining the minimum balance for 90 days ) its been over 2 months when the criteria is Met. 

Still awaiting promotional bonus dollars. Filed a complaint on XXXX XXXX with Citibank ( Complaint # XXXX ). Supervisor XXXX telling me still it will take 30 business days to complete review of account and process once the verification is done. 

3 Visits to the bank and 3 phone calls, 6 months of account opening and still waiting for resolution on the case.Need help to resolve the complaint.

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 07/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In XX/XX/XXXX and XXXX 2017 I charged food at three restaurants inside two casinos in Michigan. I used my Chase bank AARP Visa card for the charges. My statement indicated I was charged XXXX dollars transaction fee for each charge. When I called Chase for an explanation, the Chase representative informed me that any charges which come from a casino whether from an American or XXXX casino, if they are coded as coming from a casino, are charged a 3 % fee with a minimum charge of {$10.00}. I would like to know if these fees are legal. Of course, I will no longer be using Chase credit cards at casinos as my other credit card has never charged me a fee for this. The Chase representative informed me they have no way to remove these fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (FL).
Issue: Trouble during payment process

Complaint: We previously filed a complaint, #  XXXX . The servicer responded stating they acknowledged the mistake and were fixing it. It has been 6 months and still has not been resolved. Our client continues to get letters threatening foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have several inquiries on my credit report that were not authorized by me. I have no accounts with the creditors that performed the hard pull. I did no authorize anyone to run my credit with any of these companies. Listed below are the companies, along with dates the inquiries were ran. The companies have all been contacted and stated that they have no record of the inquiry because they do not keep files if I have no account. I have contacted Equifax,   XXXX   XXXX   XXXX  . Nobody could help me remove these inquiries that are not mine.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX     XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Central Finl control has failed to validate medical debt they 're claiming I owe. I initially sent a debt validation request in XX/XX/XXXX, followed up with a certified letter asking them to validate this debt again. They have failed to do so up until this point. The debt was reported XX/XX/XXXX for XXXX and again XX/XX/XXXX in the amount of XXXX for services rendered at XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I made contact with XXXX XXXX XXXX who is operating as the " attorney '' for Midland Funding ( A subsidiary of Encore Financial Group ). I tried to discuss the recent consent order that was issued by the CFPB to let them know that the default judgment that they obtained and the payments that I am currently making are a part of the order. I know that they have time to address the Consumers but I was just trying to get a copy of my payment history so that I can close on a mortgage. They were not willing to cooperate with me, said that I have defaulted on the payment agreement, and were rude for no reason. I could not get the legal staff on the phone. What are my options as far as the Consent Order goes?

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Criminal background check has an address in Florida, I have never resided there and a felony conviction that was in 2010 has and continues to affect employment for me. I have been a law abiding citizen since. I need this looked into so that I can get better jobs in my future. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Bank of America shows a late payment in XX/XX/2011 that is incorrect.

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 07/19/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (GA).
Issue: Account opening, closing, or management

Complaint: I am not certain that you are the correct contact or if you could assist me in finding the correct department. 

I have a {$5700.00} check that I just found un cashed in a file. The check was issued by XXXX Chase Bank which is now Chase. I have sent the bank copies of the check and have spoken to several departments and they ultimately told me to check unclaimed property in Georgia and if the funds were not there they could not help me. I was told that they do not have to re issue stale checks or honor them, and also the records from 10 years ago were no longer available. 

These funds were not in unclaimed property, but as I understand it XXXX Chase or Chase would have been responsible to deliver the funds to the Georgia Treasury after three years. And their non compliance with this rule could result in fines for Chase. I simply do not know where to begin. 

The house which was re financed is in XXXX, GA, my husband and I are still married and live in this house. I even went through my bank statements to look for having possibly deposited the funds in some other manner. I actually did not have all statements, but of the ones during this time frame which I do have do not indicate that this was the case. 

Honestly, it would seem that the burden of proof is on Chase, as I clearly am in possession of an un cashed check. 

Ten years ago was the big bank merger and acquisition time, and too big to fail was on everyone 's lips, but I feel strongly that although the error was my own I would still be due the funds. They certainly have the records somewhere. 

Please let me know if you are the correct contact, or to whom I might speak about nicely getting Chase to comply. Also, thank you in advance for your assistance. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Using a debit or ATM card

Complaint: My issue is that there are several XXXX dollars worth of deposit transactions to a couple of foreign binary options brokers that turned out to be fraudulent. The merchant, that is, turned out to be fraudulent. It is illegal for these merchants to do business with United States citizens unless they are regulated and licensed with the CFTC. Neither of them are regulated or licensed with the CFTC, but the merchants lied to me and said that they were. I have been making deposits to these fraudulent companies since XXXX, 2015. I only found out they were fraudulent when I tried to make a withdraw of my funds and they never sent them to me and after a few phone calls they locked me out of my account. So they stole my money! I had about {$75000.00} in XXXX account and about {$65000.00} in the other. I 'm only asking for my original deposits/investment back. 

Now, I originally filed a dispute with my debit card for these deposits as unauthorized transactions because the merchant was n't authorized to do business in the United States. Apparently, I should have categorized it differently. The debit card company investigated these disputes as such. The first dispute ( there were XXXX separate disputes about a month apart ) was found in my favor. However, I only received about {$1500.00} of the $ XXXX+ in that dispute. It was the XXXX most recent transactions at the time. The second dispute resulted in nothing. They closed the case because I had authorized the transactions. Again, I should have categorized the dispute differently. I tried to explain this to my debit card company but they wo n't reopen the investigation and refuse to issue any type of refund. This dispute also had around $ XXXX in transactions. 

Now, the reason there were XXXX disputes about a month apart is that it turned out that the same company owns both binary options brokers but the debit card transactions showed differently. So even though I was trading at XXXX companies I was basically trading at the same company. 

The total amount of both disputes is about {$55000.00}. And yes, this began back in XXXX of this year. I realize that 's 10 months ago ; however, I believe these are special circumstances because of the way I was defrauded. The company led me on for 10 months.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (MN).
Issue: Deposits and withdrawals

Complaint: I opened up a Netspend account and you can access reload locations in Minnesota at most XXXX XXXX XXXX. I was at the XXXX in XXXX MN yesterday on XXXX/XXXX/2016 and store clerk XXXX assisted me. Store # XXXX XXXX XXXX XXXX XXXX XXXX MN Phone number XXXX. I was trying to put {$500.00} on my card and there is a {$3.00} transaction fee. He said it went through took my money and I thought that was it. I went out to my car and realized I never got the instant text message alerting me to my funds being added. I immediately get on the phone to call Netspend Customer Service and they were clueless. I went back into the gas station and XXXX told me that he could not help me my money was in the safe and that I would have to speak to a manager XXXX or XXXX on XXXX/XXXX/2016. I called the store at XXXX this morning on XXXX/XXXX/2016 and spoke to XXXX. He told me could I come in there with my receipt. I did just that got there around XXXX. He looked into it and found that he was getting a failed message unable to load my pre-paid debit card. I just want my {$500.00} back. XXXX took my only proof in my receipt to take my Name, Phone Number, & Address down. I have contacted Netspend via e-mail will be calling them back. I have called & emailed XXXX XXXX XXXX corporation but I 'm afraid I 'm not going to get my money back. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit card () with PNC Bank N.A. (IL).
Issue: Balance transfer

Complaint: I called PNC Bank which I had an existing credit card account with to find out if I had any balance transfer offers. I was told I had a 0 % offer so I made the balance transfer of around {$10000.00}. Turns out the offer was only 0 % for purchases and was actually 17 % interest on balance transfers. They also charged XXXX or XXXX % balance transfer fee. Once I found out that it was 17 % I soon after paid the whole balance to avoid further damage to my finances. This was a couple months after I opened the account. Still I incurred over {$700.00} in interest and fees. PNC says they ca n't find any recording of me discussing the interest rate. But if I have the money to pay off the card why would I want to have a 17 % interest rate? Ironically PNC bank is now sending me offers for 0 % balance transfers. 

I filed a complaint I believe with the Office of the Comptroller of Currency XX/XX/XXXX. I did receive a letter from PNC Bank dated XXXX/XXXX/2016 that they received the complaint ( Case # XXXX ). I have heard nothing further from PNC Bank or the OCC. I 'm not sure if the OCC was the correct department to complain to. 

I would like for PNC bank to be required to research this issue and at least provide a written explanation of why they will not refund the interest that I clearly was misled into being charged. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Deposits and withdrawals

Complaint: Suntrust Bank provided written response to complaint XXXX stating a subpoena was received for release of my personal account information in XXXX. Suntrust identified in their response an attorney which has since hired legal counsel acknowledging no such subpoena existed and she found the statements. I have since discovered the employee from Suntrust Bank, XXXX XXXX has been terminated and Suntrust Bank is in denial or is simply trying to skirt past the fact my financial privacy was violated by testimony in open court as well as providing access to my bank statements in open court. The court docket and court reporter have recorded Suntrust testimony. Please share my complaint with all elected officials, federal and state agencies as deemed appropriate, I believe this action warrants a hefty fine and further compensation for negligence and misleading information to a consumer and a federal agency. The event in question took place in XXXX, not 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 09/30/2017 about Debt collection (Federal student loan debt) with NELNET, INC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: debt has been paid in full but still reporting negatively and unpaid on my credit report hurting my credit score .The incorrect amount of the loan is also reporting on my credit report .i mailed letters to company to removed the wrong loan amount reporting & to update my account paid .I never received a response mail.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I reported on several occasions to expierian that there is a Name and Address that is on my credit Report other than mine, Someone my Name is XXXX XXXX XXXX my my ssi # is XXXX my current address is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX My old address was XXXX XXXX XXXX XXXX XXXX florida XXXX. There is someone using a name close to mine XXXX XXXX XXXX ( no Me ) address XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, fl XXXX @ Geographical code XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2015 about Credit card () with DISCOVER BANK (DE).
Issue: Billing statement

Complaint: I requested Discover Card for a Statement in XXXX ( statements sent for people who XXXX ). I thought the American Disabilities Act ( ADA ) required accommodations for the XXXX, but Discover sent me the below response to the request : '' Re : Other Billing Questions [ # XXXX ] " Hello XXXX, Thank you for your message regarding your Discover account. I understand your inquiry for XXXX statements, and I am happy to provide you with additional information today! 

I sincerely apologize as this is not a type of statement that is currently available. We do want to improve and are always looking to do so. Because of this, I will forward your interest in a XXXX statement as feedback to our headquarters that having statements like these available would be helpful. 
Please let me know if you have any additional questions or concerns about your account. 
I appreciate your valued business and the time you have taken to contact me today. Thank you for choosing to use Discover since XX/XX/XXXX! 
Sincerely, XXXXWe appreciate your feedback. Please Click Here to complete a short survey on your customer service experience today. 
DISCOVER, CASHBACK BONUS and the other trademarks, logos and service marks used in this e-mail are the trademarks of Discover Financial Services or their respective XXXX-party owners. 

-- -- -- - Original Message -- -- -- -- Date : XX/XX/XXXX XXXX PMSubject : Re : Other Billing Questions [ # XXXX ] From : XXXXXXXXDate : XX/XX/XXXX XXXX XXXXTo : XXXXXXXXSubject : Other Billing QuestionsFor other Billing and Statements questions, please use the space below : please send me my statements in XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I made a {$160.00} payment at Macy 's store for a credit card bill that was erroneously applied to my in store account.I called customer service and the amount was transferred to my credit card balance. I received a check dated XXXX/XXXX/XXXX for the amount of {$160.00}. I knew it was another error on their part so that check was never deposited on my part. On XXXX 2016, I found out I was billed {$160.00} for in store balance, so I called customer service and I was assured their error would be corrected, and my in store balance would be {$0.00} as it should have been in the first place. On XXXX XXXX, I checked if they kept their word, now my balance is {$180.00}, which was {$160.00} plus interest for " late payment. '' I have to call again, and a male customer service without saying anything just put me on hold. I have been on hold for the past XXXX minutes now.

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 08-06-2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Sent notice offering option to pay online. Input all information but site would not accept payment. Tried 3 times with different credit cards but still would not work. All info in website states enter " Credit Card '' type of " Credit Card ''. When I finally called and got a live person I was told that they only accept debit cards or checks for this client. I have wasted hours going in circles to find out that the company XXXX XXXX , XXXX in XXXX XXXX, MN XXXX intentionally wastes peoples time by not giving accurate information. The DO NOT state anywhere that you can only use a debit card or check to pay them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: Once AGAIN my report is indicating I have multiple student loans negatively effecting my credit report and score. They are still reporting payment history that was mandated be removed from my date of bankruptcy to prior to and has n't been done and its been almo st 2 yrs. Their loans are past the federal guidelines of 7-10 yrs A LSO effecting my credit negatively.  XXXX  doesnt exist any longer. And I have  XXXX  consolidated loan. There are no multiple student loans. I 'm tired of submitting investigations this is going on 2 years

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Debt collection (I do not know) with United Consumers Inc (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Keep calling about a person with my last name. Several times a week

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 02-07-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citi checking bank account. 
There was a promotional offer advertised on their website. I fulfilled my obligations and met the requirements for me to earn the { {$400.00} } bonus. I waited the required time frame of XXXX days and Citi has failed to honor the bonus offer. 
My request is for Citi Bank to honor the bonus by paying me my { {$400.00} }

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