milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2016 about Debt collection (Credit card) with ZENCO COLLECTION, LLC (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I work from home and receive a call from a XXXX phone and the was told that I should hold for a constable. I waited for about 2 mins and a gentleman came on the line and told me he had a summons to serve me and I should verify my address which I did. He then told me to verify my social security # and he rattled off my number and I confirm it. He them told me he had a warrant for my arrest as I owed Discovery Card {$4300.00} and I inform him I have never in my life owned or used a discovery card. 

He got very rude and told me he was coming to my home to XXXX until I paid my debts as I was a dead beat and people like me needed to be shot on sight. 

I hang up the phone and called back to speak with a manager and was refer to a XXXX who stated her employee number is XXXX and I informed her of the incident and let her know I intended to file this complaint with the CFPB and Atty General Office.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: Hello, I opened up a Citigold checking account on XX/XX/2016 a promotion stating I would receive XXXX XXXX XXXX Advantage miles ( worth approx. {$500.00} ) after meeting XXXX requirements. 

I then met those requirements. I then called XXXX different Citi representatives who confirmed that I met those requirements and was guaranteed XXXX XXXX XXXX Advantage Miles to be deposited into my account by XX/XX/XXXX. 

Through this time I was charged two monthly service fees of {$30.00} each. After confirming this promotion was applied to my account, that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX Citi has refused to honor my points. 

I used my debit card for the purchase portion of the promotion on XXXX/XXXX/16. I messaged Citibank before making the debit purchase to confirm my purchase would be valid for the promotion. After months of waiting and without notice, Citibank decided that my {$1000.00} debit card purchase did n't qualify unless I can confirm and present my merchant 's payment coding information. I do n't keep any of my merchant 's payment coding information and no one ever told me to hold onto this information over the last 6 months. I had multiple conversation which confirmed the eligibility of my debit purchase before I made the purchase and directly after. 

During this time I was charged {$60.00} of fees and I will not be getting {$500.00} worth of XXXX XXXX Advantage miles. What is most frustrating is that I called Citibank and they confirmed I met the criteria for this promotion two times. 

There are hundreds of people in the same situation as me. I 've talked to other people online who have had the same problem. It is not fair from citibank to guarantee something and then take it away randomly. Citi has lied to me and and taken my money. 

I have to pay my services fees and my part of the contract, but apparently Citi does not have to pay theirs. This is totally ridiculous and someone needs to do something. 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over 18 years of age, and I had never before held a consumer checking account with Citibank. 

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 non-monetary relief
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
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 requested a Balance Transfer from Discover to XXXX XXXX. Discover transferred {$5400.00} into someone else 's account, and are not taking responsibility for their mistake. This means that right now it appears that I owe {$5400.00} to XXXX XXXX, and {$5400.00} to Discover. This is highway robbery, and it should be considered unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (VA).
Issue: Money was not available when promised

Complaint: A wire transfer was sent to Coinbase, inc. in the amount of XXXX via XXXX XXXX with the following information : Amount {$610.00} Sent on XX/XX/2018 Description : XXXX Confirmation number XXXX Coinbase promises that Wire Transfers would be in the account in 2 business days, but it has not been credited to my account as of X/X/2018. After I made the wire, my account was locked from buying or selling. I filed a support claim with coinbase with case number : Case # XXXX I have not heard from them regarding this issue or my {$610.00} wire transfer other than an automated message regard the submittal of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Mortgage (Conventional home mortgage) with Idaho Housing and Finance Association (CA).
Issue: Struggling to pay mortgage

Complaint: Hello, I am not sure who I would contact in regards to checking the legalities of my Foreclosure in Idaho. I was Foreclosed XX/XX/XXXX/XX/XX/XXXX. My loan was originally through a different lender in XX/XX/XXXX. Then somehow it was switched over to Idaho Housing and Finance in XX/XX/XXXX without my knowledge. In XX/XX/XXXX I was able to modify my loan through the E-Help program. Although it took my percentage rate up to 5 %. In XX/XX/XXXX/XX/XX/XXXX I got behind on my Mortgage due to personal reasons. XXXX for 16 weeks and the XXXX of my mother which I needed to take FMLA to care for her prior to her XXXX. I attempted to modify my loan through Idaho Housing and Finance and they would not approve me to do so. They stated that since I am a XXXX that traveled at the time, I was considered a XXXX. I never received XXXX so I do not understand this thinking. If the government does not consider me a XXXX XXXX how can the lender state that I am a XXXX XXXX? I at one point met with the counselors and had all of the money to pay except for one month. I advised the counselor I would be able to catch up the following month with the full payment. He stated he would not Modify the loan still as I was considered a XXXX XXXX as long as I was a XXXX that traveled. There are a XXXX XXXX that travel for their work and I do not understand why I was singled out and not able to modify my loan. The counselor I worked with kept telling me that he was following the FHA rules. I called an FHA counselor and he stated it made no sense and he would have refinanced me with out an issue but my loan did not show up in their system. So obviously something was not right. I have no idea who to call to find out if this was a legal transaction government wise. Please direct me if you can. The loan number was XXXX through Idaho Housing and Finance in XXXX Idaho.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I demanded verification/validation of account status, amount, original creditor and copy of the contract. I demanded removal of unauthorized inquiries on my report. they refuse to validate/verify accounts and inquiries and they refuse to delete incorrect information and are causing great harm to my ability to obtain credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing disputes

Complaint: Purchase a Phone from Best Buy i.e, XXXX wireless phone paid full amount with my credit cards of {$840.00}. Exactly after a month that is around 26 to 28 days i found that the screen is having Many dead pixels on the display and went to the store that i bought phone, they advised me to go to XXXX wireless for the replacement and went there they asked me to visit bestbuy for the replacement device. Went back to Best buy and they stated they ca n't issue the replacement and again directed me to the XXXX store. This continued for 3 to 4 days so i Have filed my dispute of the charge with CITI visa card. After two month i got the response from the bank that the Dispute was in the favor of the Merchant. I am in a delema and called CITI bank the response was I have to deal with it and they cant assit me further. Even hinted me to get a lawyer or XXXX party people to have this going on forward.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An account by XXXX XXXX XXXX is showing on my credit report. I never authorized or entered into any contract with this company. The company has failed to verify or show proof of any contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: The bank of america atm on XX/XX/XXXX failed to read my check that I deposited due to no fault of my own. The bank put the funds on hold and two weeks later sent me a letter assuming that the account my check was drawn from was closed. However later the bank representative realized that it was bank of america who was at fault. The money was put on hold before my funds would clear until I made a cash deposit, however before I put in cash it resulted in a large amount of overdraft charges. The bank manager refused to credit back the last 8 overdraft fee charges because in the reps opinion the bank credited back enough penalty fees already. I clearly explained to her that it was simply not my fault that the bank of america atm was unable to read my check. I have never gotten back my few hundred dollars the bank took from me in penalty fees.

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (SC).
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: There was a credit card bill from Citi Bank national for the amount of {$3600.00}. I found out about this when they severed a court order XXXX XXXX XXXX. I 'd submitted an answer stating I do n't have any knowledge of this account. We went to court and XXXX XXXX Dismissed without Prejudice on XXXX XXXX, XXXX. It was not been removed from my credit report. I can submit the court documents if need be.

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 11-06-2017 about Debt collection (Other debt) with Fidelity National Information Services, Inc. (FNIS) (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Chex Systems have me on my Credit Files on 3 credit Bureaus as owing XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and I do n't have nothing owed to them. These accounts was cleared up back in XXXX & XXXX of XXXX and my bank informed me it was showing as a debt owed and there is not one owed. 

I have call them and got the run around they was mailing me something to this matter and there is no real answer from Chex systems

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I previously filed several complaints, upon review and in attempt to see responses I discovered that PRIMARY CONSUMER on all of my my complaints is LISTED AS  XXXX   XXXX . This is my EX WIFE, we have been divorced and living apart for near ly 4 years.To my knowledge she has never been associated with or responsible for ANY of my credit accounts or credit arran gements to include my home mortgage. WHY and HOW is this name attached to or affiliated in any way to MY CREDIT? I have never co signed on any loan with her, I am the sole signature on ALL my credit accounts NOW IN THE PAST or DURING our marriage. To my knowledge she has NEVER signed, in association with, or party to my credit in any way. How again, and why is she listed as primary consumer on my complaint and her name attached to my credit in any way? This is a GRAVE and SERIOUS ERROR. My previous complaint regarding reporting my home mortgage as an installment loan, and not dropping credit inquiries as they expire and in a timely manor to my knowledge and belief, has not been resolved and result or response to my complaint has not been received or conveyed to me.

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 09/22/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have 8 credit cards that falls under synchrony financial. Last year sadly to say I was laid off of my job that I had worked for 17 years, this made time a little hard but never the less I have never missed any of my credit card payment for none of my cards even cards that do not fall under synchrony. Synchrony has continued to run my credit reducing my credit limits to what the balances were until they were paid off and then closed the accounts. while I have continued to work hard to increase my score back up by snchrony continuing to reduce my limits to what the balances are, shows the credit reporting companies that my cards are maxed out, which they really are not. This drops my score and then when they close my accounts that also drops my score instead of my scores going up they are contributing to my scores going down. My score will not increase with the way they handle accounts.If I was ever late or not paying my bill that would be one thing but when I am faithfully making my monthly payments that is awful. This is not fair to consumers. I would rather close all my accounts and never do any business with another business that supports synchony. Instead of shopping XXXX I will show XXXX XXXX and etc. This is really bad business and really hurts there long loyal customers. And for the record my score did not drop because I do n't pay my bills its because I have to much credit and after my layoff I was only able to pay the minimum on most of my cards but now that I have started back working I have been working to get all my bills paid off so my score will increase back.

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 08-07-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Payoff process

Complaint: PURCHASED A TV FROM SEARS UNDER A 0 % PROMOTIONAL HAD PAYMENTS AUTO PAY WHEN THE PROMOTIONAL EXPIRED I WAS NOT NOTIFIED THE PROMOTIONAL WAS ENDING GIVING ME A CHANGE TO PAY THE BALANCE INSTEAD THEY CHARGED {$1700.00} TO MY ACCOUNT FOR BACK INTEREST. I FOUND OUT WITHIN 30 DAYS. I ASKED TO PAY JUST THE BALANCE THAT WAS DUE BUT THEY HAD TOLD ME NO THERE WAS ONLY AND 20 DAY CRACE PERIOD. AND I WAS PASSED THAT. I DID NOT FIND OUT BY STATEMENT FOUND OUT ON LINE LOGGING IN BERFORE PAPER STATEMENT WAS RECIEVED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our HELOC loan was sold by XXXX to XXXX ( XXXX ) and then to SLS. We have made consistent payments with additional " principal '' and submitted on time to the servicing companies. After noticing not much reduction in the balance, we questioned XXXX ( contact no longer available ) on several occasions and was given the " run-around '' or not responded to. Once XXXX sold the loan to SLS, we advise them of the issue and asked them to provide us : A ) Actual amount borrowed on HELOC. B ) Total amount of additional principal payments made. And, C ) Total amount of additional payments applied to loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (FL).
Issue: Managing the loan or lease

Complaint: I took out a {$3000.00} loan with avant in XXXX XXXX and my monthly payments were {$170.00} monthly. On XXXX XXXX XXXX I contacted Avant to pay off the loan and we told it WAS XXXX which I took care of with an agent by giving them permission to debit my bank account for that amount, the funds came out of my account on XXXX XXXX .I received correspondence from Avant confirming my account was paid in full and they even sent me a survey to complet to rate them on my experience. Today while balancing my checking account to I see a debit from Avant for a XXXX yes XXXX I immediately contact avant and speak with XXXX and ask her why was my account debited for a penny yes XXXX on XXXX XXXX XXXX when I paid the loan off in full on XXXX XXXX XXXX. I was told my loan was paid in full but we had to clear a penny so we debited your account again 8 days later. I am upset this is illegal, unethical and wrong and needs to be addressed, why do they still have the ability to access my account without there permission when my loan is paid in full and they have sent me communication corroborating that. The debit was done 8 days later it 's not the a out of the debit heck every penny counts but the process is wring and illegal and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (DC).
Issue: Deposits and withdrawals

Complaint: I have never experienced a bank that " pends '' cash deposits. I made a cash deposit into my bank ( TD Bank ). The cash deposit took a day to clear. I then had a {$1500.00} check returned over a {$1.00}, although the cash deposit of {$100.00} was pending.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: The collector left a voicemail message on my husband 's phone, stating that the message was for another person ( stated the name ). She stated that she was attempting to reach me ( stated my name ), and to have me contact her. She gave her name and the name of her company, and what the debt was for. The caller was not authorized to contact anyone other than me about the debt, and is calling random people with the same last name in an attempt to reach me, but is disclosing confidential information that no one else should have knowledge of. I have retained the voicemail message for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon checking my credit report, I discovered that the following companies have placed credit inquiries that I have no knowledge of and did not authorize on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have spoken with the companies and Equifax and informed them that I am a victim of identity theft and did not make these inquiries. The credit bureau is not helping me resolve the issues. They are not providing any evidence that the inquires were made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Systematic National Collection, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After I moved from an apartment the manager turned the apartment into a model by by bringing in furniture and place settings. Then telling me I am still responsible for the rent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation