milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On or about  XXXX   XXXX ,  XXXX , I opened a business account wi th Citibank.  I filled out all of the paper work th at Citi req uired. I have had no issues with the bank until  XXXX   XXXX ,  XXXX , when without notice they closed my account and withdrew {$10000.00} out of the account. I place a call to the branch to find out what happen as I though my account was hacked. I was informed that because of the fact that the bank was missing some paper work they closed the account and would be mailing me a check. I requested that the account be reopened immediately and that the money put back into the account. I was told that they could have the account opened the next day but that they could not redeposit the money. The bank went on to say that they were not able to put a stop payment on their own check. When I asked how my company was to pay its bills, I was told - I do n't know and there is nothing we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (KS).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have a XXXX Credit Card through Barclaycard. The card expired in X/17. When I received the new card in XXXX, I did not activate it ( as I was not planning to use it ). They sent an email on X/XX/17 that a payment is due and payment was due X/XX/17 ( I thought the time when a statement is sent and payment is due is more than 10 days, am I wrong? ) Since I had not charged anything on that card for years, I just deleted it. Then today I get a notice that the payment is past due. I looked online since they did not mail me a statement and there was a charge on XXXX for XXXX in the amount of {$11.00} -- followed by another charge of {$11.00} on XXXX for XXXX. Then they charged me {$24.00} for late payment fee on XXXX and interest charge of {$.00} on XXXX. Then to add insult to injury, there was a charge of {$9.00} dated X/XX/17 from XXXX XXXX. None of those charges are mine. ( I have never had XXXX -- do n't know how to use it and sure do n't know what XXXX XXXX is ). I called the company today and complained and asked that they close my account. But I am afraid that they will post that I am past due on payment ( even though they were not my charges ). But my question is ( and complaint ) - How can a charge be posted to an account that was not activated? I think there is an employee in the institution that is looking for accounts that have not had activity for a long time and then selling that number to???. Also somebody in the inside had to activate the card to make the charges go through the system. Please check this out and let me know.

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 07/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
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: Hi, my earlier complaint number was  XXXX  regarding the platinum card now ending in  XXXX . The amounts shown there were not disputed the ones I 'm disputing are  XXXX   XXXX . Something which I never used and on the propel world  XXXX   XXXX  or ending in I do n't know what I 'm disputing  XXXX . Nothing else just these two amounts now, I 've started making payments to the card but for these  two  I have received no service therefore I request Wells Fargo to remove these charges from my cards.

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 04/16/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Balance transfer

Complaint: I went on-line to get a balance transfer from one credit card to another. 
I entered the wrong credit card number to transfer money from. 
I called the credit card company immediately after. 
They told me that they would not cancel the transaction even though it was still pending and the transfer would be made by wire about 5 to 7 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Bank account or service (Other bank product/service) with Google Compare Credit Cards Inc. (CA).
Issue: Making/receiving payments, sending money

Complaint: This is new information regarding complaint XXXX, XXXX and XXXX. FCC has complaint XXXX, all complaints need to be reviewed due to all responses being conflicting. Google requested i contact them. the last email refereed me to the merchants instead of the bank like usual. I would like the back up from the first complaint attached to this complaint. I also have complaints against XXXX XXXX XXXX, and XXXX all companies have done this and continue to do this at the same time. This is past frustrating! Please help me! 

Google asked me to Repsond to a specific email in their response said I did not respond to it please below find the false statements given by Google for these transactions. I have never received back up to actually show what was ran through the account. By Google responding like they have it shows they are not investigating what was done. I have shown that numerous times. Google is who benifited the monies taken from my account that is not a guess the merchants stated that in writing. It was their charge they bought the app rights and they received monies yet Google wants to confuse this more my sending me to who they listed to contact knowing fully that the merchants do not have the information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (TX).
Issue: Taking out the loan or lease

Complaint: In XXXX 2016 I received a letter in the mail from Mariner Finance thanking me for opening an account. I did not open an account with them so I immediately called the number on the letter and left a message stating as such. I did this twice with no response. A week or so later I received a call from Mariner Finance asking me if I wanted to set up online payments. I told them I never opened an account with them and they said that they sent me a ( NOT requested ) live check in the mail and someone must have cashed it in my name. It has now been months upon months and this issue has not been resolved. I have filed a police report and given them their needed information and still nothing. In the meantime they are reporting that I am late on payments effectively destroying my credit. I will be pursuing legal action if this is not resolved and corrected immediately. After doing research online I have found they are not XXXX accredited and they write " check inside! open immediately! '' on these checks they send out to unsuspecting people putting them at risk for identity theft. This is unethical and unacceptable business practices that need to be corrected.

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 01-04-2016 about Debt collection (I do not know) with Merchants Credit Corporation (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have not yet received a notice of right to dispute and therefore my 30 days to give written contact has not began since the initial phone call of XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: CITIBANK AND ALL ACCOUNTS IN THEIR DAD BAES MUST BE AUDITED/CREDIT REVIEW ON XXXX ONLY. 

MAKE XXXX REMOVE ALL REPORTING FRON XXXX TOO! 

CITIBANK 14 PLUS XXXX 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 07/28/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: On XX/XX/XXXX 2017 I purchased a car from XXXX XXXX in XXXX La. I found out that the dealer listed my income as {$85000.00} to get the loan approved. I only make {$36000.00}. I thought the loan company would not approve a loan out of my payment ability. The loan was approved by Chrysler capital. The dealer claims I had income I did not report to IRS. I am a XXXX XXXX XXXX veteran. I now have to let the car go. This is going against me. They did this on two cars in one day. The dealer new I was a vet drawing XXXX. They do n't even require proof of income, this seems to be standard practice for them. The second car through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Auto debt) with NCC Business Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX collection agency reaged acct to XXXX/XXXX/XXXX & reinserted after it had been removed. I spoke with a woman attorney located in TX in XXXX that was handling the account for the original creditor. She advised the account had been resolved do to vehicle being resold and funds from bank accounts had been withheld. I never received anything in writing stating an amount owed or agreed upon. The account had been deleted by original creditor after vehicle was resold. XXXX collection agency has reinserted and reaged an account that was resolved with creditor. There was never any verification or validation in writing of alleged debt when requested XXXX/XXXX/XXXX via fax and XXXX/XXXX/XXXX via certified mail. The credit bureaus stated collection agency only verified name, ssn, dob and never provided written proof of debt with all documents. Per FCRA written proof and notification is required. Also a resolved account can not be reaged and reinserted to credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing this letter to explain the unethical practices that my current home mortgage servicer Select Portfolio Serving Inc. is ding with my loan and ultimately life. I apply for home assistance program due to changes in my financial circumstances. When I applied for the program, Select Portfolio Serving Inc. qualified me for home assistance program. After going back and forth several times, Select Portfolio Serving Inc. informed that, I do not qualified for program without a valid reason. I was working with a representative name XXXX XXXX, he informed me that Select Portfolio Serving Inc. do not participatXXXX in Home Affordable Modification Program HAMP government program and he had not seen anyone getting awarded this program from Select Portfolio Serving Inc. Then I inquired that, if they have other internal modification program and he responded that Select Portfolio Serving Inc. does not disclose that information. Select Portfolio Serving Inc. has informed that soon my house will be on foreclosure. It is extremely difficult to work with Select Portfolio Serving Inc. as they are not listening to me at all. This is very unfair to a hard working like me and substantially injurious to my family. As a consumer, I feeling that I absolutely have no power over these huge financial firms. 
I am a hard working individual and live in the home with my wife and XXXX kids. I do not want to lose my house and even more, I do not want to be a prey to unethical behavior of Select Portfolio Serving Inc. As a regular of law, please assist me in correcting Select Portfolio Serving Inc. unethical behavior, so they can work with me on my loan modification process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Payday loan) with Monarch Recovery Holdings, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Do n't know much on that the number and person on the line was very rude and threated to tell my employer and said I will go to jail over a payday loan. Did n't give me any information what company it was from but I looked up their company name and its call Monarch Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Customer service / Customer relations

Complaint: I have concerns about Identity theft So I wish the credit card company to stop all charges on card and reissue a new card or close the account. I wrote them using address for remittance of bill. I get a call from a supposedly Citi rep ( id on a cell phone ) id XXXX requesting personal information. She noted I had to use a cellphone and call XXXX ( number on my bill ). I called that number.the rep ( ( XXXX ) stated I can only call from a cell phone and type in a my personal info ( ssn, address, etc ). I explained I live in an area that does not have cell phone. She noted there was nothing she could do and I requested to speak with a Citi rep she refused or to provide an alternative number to call. Thus, I have no way to close the account without a cell phone. The requirement of a cell phone should not be a condition of having a charge card unless they clearly publish it. The call was automatically transferred to a third party call center service. Customers should be able to access to employees of the credit card company should the third party be unable to resolve the problem.

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 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: No knowledge of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The creditors keep reporting on my credit report once removed by sending the debt to a different collection agency, which is effecting me in regards to having a better credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing

Complaint: I checked my credit score from an e-mail from XXXX XXXX. They made a recommendation to me to apply for the American Express Blue Cash Everyday card. I clicked on the link and was offered a {$250.00} cash back offer if I spent {$1000.00} in the first 90 days of having the card. I was approved and received the card. After I purchased the required {$1000.00} I use their chat window to confirm I had met the requirement. The chat representative said there was only a {$100.00} cash back offer on my account. After not getting anywhere I requested a Supervisor. I was told I had a Supervisor on the chat and explained the problem. She said I had n't met the requirement of spending {$1000.00} ( which I knew I did ) and I asked her if she saw the {$250.00} offer on my account, she said " maybe you did n't apply in time, '' I told her how I got to the offer and that I applied immediately right then on the site. She said " I 'll check into that. '' I said I have a screenshot of the offer, and suddenly she disconnected the chat. I searched XXXX for {$250.00} cash back offer from American Express and to my surprise there were numerous links talking about how the {$250.00} offer from Amex is hidden once you 've gone to the site. There were sites that explained that if you clear your browser history you might be able to see the original offer. Others said if you use Google Chrome Incognito you could see the offer again. Others still said if you clear your browser and try the link you may get it on the 2nd, 3rd, or 4th attempt if you cleared your browser history each time. I called Amex and asked for a Supervisor who said only the {$100.00} offer was on the account and I must have applied too late. I tried what those sites on the search and indeed came up, in addition to the {$100.00} offer a {$150.00} offer and have a screenshot of the {$250.00} offer. They ( Amex ) told me they would get back to me on XX/XX/XXXX. I received a call as promised and the woman said that I was declined to receive the {$250.00} offer. I told them I would file a complaint with you and the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2017 about Debt collection (I do not know) with Diversified Recovery Services Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recently obtained a copy of my credit report and noticed a collection account from Diversified Recovery Service and I have no idea what it is.

Company response to consumer: Untimely response
Consumer complaint received 06/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit card () with DISCOVER BANK (IL).
Issue: Rewards

Complaint: Dear Sir/Madam, I have used Discover credit card for more than 10 years. About 1 year ago ( XXXX XXXX XXXX I figured out after calling customer service ), I called their customer service to apply for Discover IT card to take the advantage of better cash back terms as it offers 1 % and double-cash back for first year. I was told that they could convert the one I had with them to IT card and get the same benefit and I did so. My card thus became Discover IT from XXXX XXXX, XXXX. 

I was told I will get 1 % first for every month and double cashback bonus will be applied to my account after 1 year. XXXX XXXX, XXXX I use their online chat to check my double cashback status. I was told this time it was not applied to my account. The notes do n't include the full phone discussion and no such terms documented thus there 's no way for them to provide me double cashback. They said I could apply another IT card now to get the double cashback. Of course that 's not my expectation as I supposed to get it already. 

Obviously it is a situation the customer service person made some mistake 1 year ago. I asked them to review the full phone-conversation. The online chat supervisor said they could n't do it and asked me to call the service phone number. I made the call that another supervisor told me they could only review phone conversation within 60 days, and only way to review earlier date is through subpoena. He could n't do anything. 

Discover card is a big company, I felt I was ripped of as their customer service is not considering their customer 's benefit even at the minimum level. 

Below is some related facts, 1. Called the customer service on XXXX XXXX, XXXX and was told I could get the double cashback benefit with the new IT card. 

2. Double cashback would be applied at end of first year, XXXX XXXX, XXXX. 

3. Discover mentioned even it was told me 1 year ago, they could n't confirm it as 60 days are the limitation for the phone conversation they can review. 

4. No way I could know if I would have double cashback in 60 days. 

5. Only subpoena could get the conversation. They might think nobody will do so as the cost associated with this. 

They are not willing to make any further actions to resolve or understand the issue. Such a bad experience with a renowned company and would like to warn any customer with them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving multiple phone calls a day from Synchrony bank. They are using a couple of different phone numbers : XXXX, XXXX, XXXX, XXXX, and XXXX. Some of these calls are coming only minutes apart, others are coming almost every hour. Here are a few examples. On XXXX/XXXX/16 I received calls at : XXXX. On XXXX I received calls at : XXXX. This morning I received two calls almost back to back at XXXX. and XXXX I have spoken to them regarding the debt and trying to work out an arrangement, but they are not very willing to work with me and my situation at the moment. I have asked them to stop the repeated calls and the calls keep coming.

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 06/20/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold Checking Account with a promotion for XXXX AAdvantage Miles after spending {$1000.00} on the debit card and completing 2 bill pays in 2 consecutive months. The promotion code was XXXX. 
I called Citigold Customer Support and confirmed that I was eligible for the promotion before opening the account, and then after opening the account I confirmed that my account was eligible for the promotion. After completing the requirements, I contacted Citigold through a secure chat and confirmed that I had completed the requirements and that the miles would be posting to my account. After approximately a month, I contact Citi again to ask when the miles would post. They placed an inquiry request on my account to look into it, and I was then notified that my account was not targeted and I would not be receiving the promised miles. Because I confirmed multiple times, and have a transcript of the secure chat in which I was told I was eligible and did complete the requirements, I believe Citi should honor the promotion they promised.

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