milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Checking or savings account (Savings account) with CITIBANK, N.A. (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened the citi bank account on  XX/XX/XXXX .  And I was qualified for the promotion of {$400.00} offered by citi then for account opening and deposit. But it had been almost 9 months since then. I still has n't received it yet.  <P/> In the past months, I submitted all documents citi required. But every time, they said it worked now. But every time when I checked with them again, they would found an excuse and mentioned I was not certified again.  <P/> For e.g, I went to citi bank branch to meet a personal banker directly and submit the documents they asked again  2 weeks ago. T he personal banker mentioned it  may  need around one week to process it but I still has n't received anything and even the personal banker did not respond to my email.  <P/> I am really angry on it.  Citi  is playing games with customers.

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 08/15/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I signed up with XXXX for my cable service and authorized them to do XXXX hard inquiry. Equifax is showing XXXX hard inquiries from XXXX on my report all XX/XX/2015. I have contacted both companies to have them removed to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MO).
Issue: Fraud or scam

Complaint: My Coinbase account was Hacked on XX/XX/2018. About {$6000.00} in coins was stolen from my account, {$10000.00} was stolen from my checking account and several thousand dollars of unauthorized charges was made to my credit cards. I have called coinbase several times, emailed them 3 times with no results. I am unable to gain access to my account, their support personnel are not help helpful. It's been 2 months since the hack and I would like the situation straightened out. Assuming my account was the only one hacked, why is it taking so long to fix my account and return my stolen funds and coins. The company, in my opinion, has stolen a great deal of money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have student loans through Navient, formerly XXXX XXXX. I have been enrolled in the rate reduction program, due to the high level of student loans my parents had me take out in my name and difficulty paying them back. My parents have been separated for some time now, and both struggle to make a living. Rate Reduction has been very helpful. This week my grandmother ( Co-signer ) passed away. I had been in touch multiple times with Navient and dealt with a woman XXXX in the Rate reduction program. I went over financials, and everything, with XXXX who said that she would get it approved by her supervisor and be back in touch. This was over a month ago. My payment is supposed to be taken out on Tuesday, and I have attempted many times to get in touch to have this approved so I will not be taken out of the program. My issue is that this was supposed to be something taken care of over a month ago, then I come to find out this was never submitted for approval, and never addressed at all. I have never missed a payment in the rate reduction program, and without it I do not know where I would be so it is very important that I work with someone that can help me and not put their agenda before mine.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Delinquent account

Complaint: My credit card company, Fifth Third Bank, which my account has been closed, has called me at home while I am at work three times today within a XXXX period. I feel they are making their case for trying to communicate with me, but calling intentionally their " legal '' limit of calls per day during which time I am unable to answer, since I am at work. Each time, never leaving a voice mail, so technically I 'd never knew they called if I did n't have caller ID services. They called on XX/XX/2015 at XXXX. I consider this harrasement by bugging my wife in having to check the phone each time it rings when as a homemaker, she has much more important tasks than to babysit the telephone all day. I believe this violates the Telephone and Solicitations Act.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I was helping a friend by co-signing for her residential rental. I obtained both our credit reports from Experian online as a requirement of the rental application. Online it says you will be charged {$1.00} for each report. I thought I was only paying {$2.00} ( XXXX for each report ). Then they started charging my credit card monthly for ongoing monitoring that I was unaware I was signing up for. Unfortunately I did not notice right away. It was {$21.00} x XXXX for myself and my friend. I finally had time to call Experian and they said in fine print when you order your {$1.00} credit report you are automatically signed up for monthly monitoring for your lifetime unless you cancel within 7 days. I am a XXXX so am not stupid. I did n't see/notice this fine print. I looked online at YELP to see if others have this problem. They have XXXX star and XXXX reviews and almost every review says that the customer was fooled into paying for this monthly monitoring service without knowing. I can afford this mistake. Others who have less money and are trying to get a job or a rental and are n't as educated can not afford this mistake. Experian refused to refund my money when I spoke to them on the phone. Please please help the less fortunate people be able to access their credit report without being " played '' by this company. Please also review the YELP reviews. This many people ca n't be wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX placed a collection tradeline on my credit report some years back. The account was settled and paid XX/XX/XXXX. The account was removed from my transunion credit report XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX/XX/XX/XXXX it was reinserted on my credit report after it was already paid and previously removed. I disputed it with the credit reporting agency and they failed to remove it. I disputed it with XXXX and they 've also refused to remove it. 

I want it removed from not only Transunion but from all three credit bureaus

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 11/16/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: 1. I was told when checking-out at Home Depot that if I signed up for a HD credit card, I would get 5 % off every time I shopped there. I would need to follow-up and sign-in online to fix my settings so I would get that 5 % credit to my statement. 
2. I proceeded to get the card and shop at Home Depot ( HD. ) I did not receive 5 % off. I signed in online but I was not able to find a 5 % off benefit anywhere. 
3. I called in to the card 's phone number to express my concern. After being escalated to a manager, I was told that the 5 % off was not a card benefit, but a store benefit, so I would need to speak to the store manager. This was on XXXX XXXX. 
4. I went in to speak with the store manager on XXXX XXXX who told me that, yes, I could get 5 % off, but I would have to inform the cashier each time I checked out. 
5. I proceeded to shop, and when I checked-out, I told the cashier I wanted to get my 5 % off. He tried to get the discount, but was unable to because he said there was a glitch in the system. He shrugged his shoulders and said 'sorry. '6. I called in again to cancel the card and expunge the record of having an HD credit card from my credit history. They refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/2016, I notified Freedom Mortgage about my financial hardships and that I wished to go through the loss mitigation process. I received a loss mitigation package from them requesting that I sign a few documents and send back some documentation as well. I forwarded the package back to them via email on XXXX/XXXX/XXXX once I finally received the package. Included in the package was a hardship letter ( per their request ) to explain the hardship I was experiencing. The letter also explained my situation regarding banking accounts. On XXXX/XXXX/2016, as I caled in to make a monthly mortgage payment, I asked if loss mitigation had any news for me regarding my request for modification. I was told by the rep that took my payment, they still needed all pages from my bank account. I explained for the 3rd time, that I did not have a bank account as stated in the letter ( obviously they have not read ), so stop asking and let 's move forward. That rep stated that she was going to notate that on my loan and have a manager review it to get the ball rolling. 

It has now been more than 30 days and they have stopped all communication with me. I spoke with a rep today as I was making another monthly payment and she stated the same thing about the bank account documentation. It is as if they are delaying the process on purpose so that they can foreclose on the 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 01/25/2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) XXXX of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX in accordance with basel XXXX accord XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX XXXX, XXXX XXXX and they have failed to do so.

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 07/25/2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt is older than XXXX years, from 2004 and so is the delinquency date. I 've asked for debt validation and they refuse to provide me validation. They keep updating the date of the account opened date to it stays on the report longer which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I bought my property with an XXXX loan. My first loan was succesfully modified making my payment much more affordable. I applied for a loan modification on my XXXX mortgage in several ocassions but it was never approved. This loan was serviced by XXXX XXXX XXXX, and In XXXX of 2015 I received a 1099-C tax form canceling such debt. I properly reported this cancellation of debt in my 2015 Tax return. A few months later I was contacted by Green Tree Servicing LLC, informing they just took over the servgicing of such loan. I was advised by a Housing Counselor to report the incidents since this can be related to a phantom debt scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: i do not know how, why, or when a fraud alert was placed on me but i want it removed. i am unable to apply for any credit due to this fraud alert. i am unable to order my credit report to see if someone has used my identity due to the alert. how can i get it removed!

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I placed a security freeze on my account with Equifax, but was never given a pin to unfreeze. I have sent XXXX letters to equifax requesting a replacement pin. I have included a copy of my Driver 's License, SSN #, Date of Birth, Current address and contact information as they requested. In addition I have enclosed the {$5.00} fee for replacement pin. All three times I have received a letter back saying they do not have the correct information to replace my pin. This is holding up a real estate transaction and I am incredibly frustrated. How do I get to speak to a person and get this corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (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: XXXX 2016 AMERICAN EXPRESS SENT ME A BILL FOR XXXX! I IMMEDIATELY CALLED AND WENT ON LINE TO POINT OUT THEIR MISTAKE ... THEY HAD A YEARS WORTH OF TRANSACTIONS IN ONE SINGLE MONTH ... XXXX 2016 TO XXXX 2016 ... THEY LUMP SUM XXXX/2016 TO XXXX/XXXX/2016 THEIR CRAZY BILLING MISTAKE! I ESCALATED TO SUPERVISORS, DEMANDED MY MONEY BACK ... THEY OVERDREW MY BANK ACCOUNT ... .AMERICAN EXPRESS GETS PAID EVERY MONTH..XXXX 2016, XXXX,2016, XXXX 2016 AND SO ON EVERY MONTH WAS PAID IN FULL ...
AMERICAN EXPRESS OWES ME XXXX XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: On XXXX XXXX 2016 we were scammed by a company representing themselves as XXXX. On XXXX XXXX we advised Citibank that we had been scammed and the {$390.00} charge on our account was fraudulent. Citi told us to cancel our credit card and that they would take care of it. Citi sent us a letter saying they had our information and were investigating, and credited our account. In subsequent calls with Citi the dispute people were not aware of the XX/XX/XXXX statement that Citi had our information, and asked for a repeat which we were tardy to rely to. But we were having ongoing phone conversations during which Citi 's only response was that Congress had passed an act which said the if a consumer gives a merchant a credit card number there is no fraud. We heard this as Citi '' s position during all our phone calls. I do not believe that Citi once asked the XXXX about the merchants rating, or once looked at the FTC 's info on computer scams to see that ours was a typical and ongoing scam. Citi just relies on the Act that there was no fraud. The Merchant has on four different times said it would issue credit. We would like that credit and a credit of the fees charged to our account. 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 monetary relief
Consumer complaint received 01-10-2018 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never been seen by their physician ( s ), hospital, clinic, or other medical treatment facilities. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XXXX XXXX, 2017, and  XXXX XXXX, 2017. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no medical records in my name housed by their physician, clinic, or hospital. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (I do not know) with Focus Holding Company (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Focus Receivables management continuously calls my number and floods my voicemail with something saying I owe a debt. The only thing in my name is my car which is paid off and taxes are paid every year. I do not owe money to the government so I know it has nothing to do with that. the only thing I could think of was something medical from when I was in high school under my parents insurance which means it is not my problem

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit card protection / Debt protection

Complaint: I have a membership at XXXX. During their switch from XXXX XXXX to Citibank for credit card processing, a credit card account was opened in my name with Citi XXXX without my consent or approval to the terms and fees therein. Membership dues were subsequently charged in the amount of {$110.00} on the Citi card. I have contacted both Citi and XXXX and, although they state that this is a legal transaction, I feel that it is a fraudulent practice no different than the current XXXX XXXX situation. Opening a credit card without consumer consent and making charges on it is fraud, fraud, fraud! XXXX should have billed me directly or made arrangements with me to put the membership dues on a credit card of my choosing, with terms and business practices that I agree to. I have since closed the Citi card out and made arrangements with XXXX to pay the dues, but I wish to log this complaint as record of big business financial fraud that needs to be addressed on a larger scale.

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 06/19/2016 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (PR).
Issue: Managing the loan or lease

Complaint: I am being contacted by a collection agency in reference to a vehicle that was obtain thru identify theft. I called and wrote to BMW finance explaining the situation but I have not receive and Identity theft report to fill out and send back.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: U.S. Bank has a policy of using its secured credit cards to defraud consumers, having no procedure in place for periodically reviewing secured credit cards to determine if they are eligible for upgrades to unsecured credit cards and also failing to commit to the credit limits of secured credit cards once they are upgraded to unsecured cards. When I applied for a {$3000.00} secured credit card with U.S. Bank last Summer and was informed that there was no procedure in place for periodically reviewing secured credit cards to determine their eligible for upgrades to unsecured credit card, I had a vague suspicion at the time that this was a means for U.S. Bank to defraud consumers by using their secured funds to accrue interest for as long as possible at their expense. 

This suspicion was confirmed when I was issued a refund check the following Summer in response to my request to upgrade to an unsecured credit card and saw that I was to issued on XXXX cents in interest on the {$3000.00} balance that had been held by U.S. Bank for more than a year. Moreover, U.S. Bank decreased the credit limit from {$3000.00} to {$500.00} the month after it was issued, speciously claiming that it was done because of inactivity on the newly issued card.

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 01/20/2018 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I make my minimum payment each month around the XX/XX/XXXX. Then I make a follow up payment to pay down the principle. 

My extra principle payments have not been going to principle, they are still taking a percentage out to go towards interest. I do n't believe this practice is legal. I understand if I pay the interest on my first/minimum payment, but all subsequent payments should be going towards principle and they are not. 

The attached picture highlights the additional payments towards principle and the interest that was taken out of those principle payments.

Company response to consumer: Closed with explanation