milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: I opened an CitiGold account with Citi Bank on XXXX/XXXX/2016 with the offer to receive XXXX bonus Thankyou Points after meeting the requirement of making 1 qualifying bill payment from the checking account each month for two consecutive calendar months. I called Citi Bank on XXXX/XXXX/2016 to confirm that i was enrolled in the promotion, the representative confirmed that i am enrolled and will receive the promotional bonus. My call to Citi Bank on XXXX to confirm the promotion is listed on their account notes. I have met all the requirements and Citi Bank has not posted the promotional points. The points were supposed to be posted with in 90 days and now it 's well over 90 days. Please help me resolve this issue and have Citi Bank post the XXXX bonus Thankyou points to my 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 non-monetary relief
Consumer complaint received 02/22/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: on XX/XX/XXXX I received an notification via e-mail from XXXX letting me know that there was unauthorized use of my account, to change my password. ( Which I did right away ). There was a purchase made for a {$9.00} XXXX and {$140.00} shipping. 
On this very day I called my bank Chase, and made a claim to have my funds returned to me {$150.00}. Chase Bank soon gave me a temporary credit of {$150.00} while they did their investigation on XX/XX/XXXX A month later, I noticed on my bank account that there was a claim reversal for the same amount. I called my bank, and they had informed me that my claim had been denied, stating that my XXXX account ( where the funds were drawn through ) had sent a letter to my bank XXXX stating that this transaction was a valid one, that they would be able to re-open the claim if I was able to send proof that this transaction was not made by me. 

I faxed over the email from XXXX of the unauthorized use of my account, my XXXX XXXX where it shows that there was no transaction on such dates, the notification from XXXX where they had removed the Merchant from which this item was supposedly purchased from. Chase made me wait 3-5 business days before I could get an answer on my new claim. I called back on XX/XX/XXXX and Chase had informed me that my claim had been denied again, because there was a tracking number from the merchant where it said that the item had been delivered on XX/XX/XXXX, this is not the case. I never received any merchandise from XXXX or their third part sellers.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax keeps saying that I have submitted additional information which is not true, then feels that do n't have to do anything else. They mail me unchanged results and feel like they have fulfilled their requirement to you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: 1 800 Loan Mart has repeatedly called me 30 times a day for the last 7 months also have incorrectly reported negative things on my credit report, also called and threatened me with imprisonment lawsuit call me directory name also told me they would come to my house and do something to me after I paid them {$4000.00} and they took my vehicle now they 're saying I still owe them {$5000.00} the original amount of loan was {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed with Equifax several times about inaccurate reporting of " XXXX XXXX XXXX XXXX '' for missed payments which is already being reported by " XXXX Bank Student '' Loan. The 120 day lateness was for 4 months ( XXXX XXXX XX/XX/XXXX ). I 'm being penalized twice for each lateness due to the duplicate reporting on the same loan and time frame XXXX double jeopardy ). Results came back quick each time as verified yet it was not thoroughly investigated with the creditors. After XXXX of the disputes, the balance on the XXXX account was altered to make it seem as though they are different. I have attached pages from my credit reporting updates on XXXX different weeks showing both accounts for comparison. There is no way I can owe both creditors at the same time for the same loan. The lateness occurred at the start of the loan when it was transferred and due to the ambiguity of who 's my creditor, the lateness should then be deleted. 

And if they are both the same company, it 's unlawful for the negative duplicate reporting with a balance. On XXXX XXXX is only listed but whenever I dispute the XXXX account on Equifax, the company goes back and somehow the XXXX account on XXXX is updated too with the same information plus dispute notes added. After XXXX dispute, they even had my payments altered to show 120 Days late in XX/XX/XXXX which was incorrect ( please see attached ). Any other XXXX Loans I have on my account is closed/transferred so something is n't valid. 

This loan is cosigned by mother who also has negative reporting on her credit report that contradicts the dispute results as well ( please see attached ). XXXX is only listed on her XXXX. Both accounts are duplicate reporting on her Equifax and XXXX. However on XXXX XXXX is closed but they updated the closed account to show random lateness. 

Please investigate this matter because I do n't believe the creditors have any accurate records so I do n't know what the Credit Bureau is verifying.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX  XXXX Opened XXXX XXXX, XXXX + {$1800.00} Original creditor : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  Opened XXXX XXXX, XXXX + {$350.00} Original creditor : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  Opened XXXX XXXX, XXXX + {$350.00} Original creditor : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$170.00} Original creditor : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX FL XXXX Opened XXXX XXXX, XXXX + {$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$550.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX + {$170.00} Original creditor : XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL 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 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MO).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: XXXX XXXX, XXXX I called to have late fee removed because I had not been late before. Unfortunately I was told no because my account is closed. 
I asked to speak with someone else who also told me the same. I asked to have those terms sent to me so I could read them for myself. XXXX refused stating I need to verify my address. Not realizing she never verified who she was speaking to when we were connecting.

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 10/29/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Upon checking XXXX XXXX I found an outstanding debt in the amount of {$480.00} dollars owed to a collections company for some type of service with XXXX XXXX XXXX XXXX. This debt occurred on XXXX XXXX, XXXX. Both XXXX and XXXX XXXX are showing this debt. I am trying to obtain information on the debt but I am having a difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (FHA mortgage) with CITYWORTH MORTGAGE LLC (PA).
Issue: Application, originator, mortgage broker

Complaint: We got Pre approved for a home loan in XXXX 2016. The first time my husband and step applied and was approved for a XXXX loan. We found a home within two weeks and started the process. Within the three months from XXXX to XXXX 2016 we had the most horrible experience with Cityworth mortgage. We could hardly get ahold of our lender, they caused issues with step father which made us restart the process using my name my mother and husband. After turning in all paper work that was requested our closing cost kept going up, the closing date kept getting pushed back, and we tried to reach someone over our lender but kept getting told he is the supervisor. Even our realtor had a terrible time with him. We have multiple emails with no response multiple calls with no answers or return calls. And a couple of days before closing our lender calls and backs out of the loan. We were in the process of selling our current home and had everything packed up ready to move with electric and gas ready to be turned on and home owners insurance which all had to be canceled. Every problem we encountered our lender should have been aware before hand and he never told us unless we continuously called him to finally get an answer. The company is anything but professional. They do not answer questions and make you think things are okay when you finally talk to them to find out that things are not okay two days before closing. We got behind on bills and everything from what cityworth put us through no one should have to work with a mortgage company that is so incompetent.

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 09-02-2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Problems caused by my funds being low

Complaint: ComplaintDescription of the complaintI contact Navy Federal Credit Union on XXXX XXXX, 2015 regarding access my old account in order retrieve funds that was credit to the close account the reason for this they had told via phone several times that they can not credit the new account they have credit the old account which I do not have access to. I ask why would credit account that closed they stated that that was they policy. So today call will be see if I can have access to my account which have funds belonging I spoke to XXXX stated that I would will not be able access the account because the account is negative now I did cause the account be negative Navy Federal Credit Union authorizing transactions and hold me responiblity of Fraud Account I contact them and stated that this is a Fraud Transaction why then will I be held responible for fraud I did not do it. 

How complaint can be satisfactorily addressedThere 's alot of money coming up missing due to the lack of management of accounts and Product, Services and Navy Federal Credit Union is getting away with stealing member money a investigation is need to catch all involved with stolen money and mismanagement of member account and they should be charged and convited for all illegal handing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Payday loan debt) with Rosebud Economic Development Corporation (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Violating a Cease and Desist

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 04/15/2015 about Debt collection (Medical) with Grant & Weber (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Grant & Weber Inc out of XXXX NV is trying to collect a debt from CALIFORNIA on a Medical debt for XXXX XXXX XXXX XXXX which already was challenged and disputed for services never rendered this debt to believe after investigation someone using my name for XXXX XXXX XXXX XXXX never complied and or sent proof ( SIGNED AUTHORIZATION COPY FOR MEDICAL TREATMENT AND OR WAS NOT MY SIGNATURE OR ID ) Grant and Weber in the past and present has researched my name and credit profile and is soliciting so called past debt and purchasing bad uncollectible PAST DISPUTED DEBTS and calling and threatening to take legal action against me,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Money transfer, virtual currency, or money service (Foreign currency exchange) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: In XXXX of this year I opened an account at Coinbase the most well known exchange for cryptocurrency ( https : //www.coinbase.com ). On XXXX XXXX, 2017 upon trying to do a trade I was asked for re-verification of my identity. as requested I submitted copy of my drivers license, got a notice that verification failed. Tried it a couple of more times. Same result. I called support they said everything looked fine on their end and that they will send it to their next support level. Got an email right away that it will take 4 to 5 business days. In the mean time my account is complete frozen. That was on XXXX XXXX, over a month ago. I have over {$42000.00} in my USD account. Called support three more times. They indicated I need to wait my turn in upper support. I tried to withdraw the funds. I could not. I called to close the account they said I could not until issue is resolved by upper support that there is nothing anyone can do.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: As of XXXX XXXX, 2017 I owe Navient over {$12000.00} and counting. Over the years I have had more than my fair share of bad luck. I suffer from XXXX XXXX, XXXX, and XXXX. I was never able to stay on jobs for long because of my condition. I have tried other ways to become financially independent by enrolling in XXXX XXXX last year. The program was free since I am a ACCESS recipient. I completed my course requirements this year and I 'm hoping to take my passion for XXXX far. I am on public assistance and I do n't get that much, and I have XXXX XXXX to care for as well. Every time I have been put on Forbearance, I was told that I would n't have to pay, yet I was n't informed that I would continue to accrue interest on my loan. Now I 'm worried that I 'll never get out of this hole that I 'm in. I did n't even have a chance to finish what I started because money ran out and I was told that I needed to take out another loan. Which my parents refused to cosign on.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: We are unable to cash an escrow check ( {$580.00} ) received on XX/XX/XXXX. 
We had lost the check but recently found it. Believing that Citi would have deposited the money with the Massachusetts unclaimed property agency, we called but found that Citi had not done so. 
On XX/XX/XXXX, we called Citi and their agent instructed us to fax a letter and supporting documentation to their Research Service Department. Not having received a response or acknowledgement, we got in touch with Citi again and the representative instructed us to send the request by mail instead. This was sent by certified mail on XX/XX/XXXX. We never received a response or acknowledgement on this second attempt either. Multiple subsequent calls to Citi have been unsuccessful as they refuse to transfer our calls to their Research Service Department nor give us an update on the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was put on a program paying {$400.00} an month for 12 months for all my student 's loans including the one I cosigned. Now I called them to check the status of the program and I was told that they XXXX I cosigned was not included. In good faith I made my first payment in XXXX and authorized Navient to take every month the amount of {$400.00} from my debit card every month. How it is that now that loan was not included? And even when I asked what 's lower that the monthly payment could be the representative reluctantly said there 's nothing she could do because the loan is not 90 days past due. They should n't be lying if they know that they ca n't combine the payments for every loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Credit decision / Underwriting

Complaint: Mortgage Loan # XXXX was paid off on XX/XX/XXXX and Bank of America posted the load as paid off on XX/XX/XXXX, however they reported to the Credit Bureaus the load was 90 days past due in XX/XX/XXXX thus causing us gravely unjust hurting my credit making it impossible for me to secure financing through other institutions to buy a house. 
Bank of America refuses to change what they reported to the credit bureaus ( Letter attached ) in particularly XXXX who advised me by phone on XXXX XXXX that they could not change what Bank of America reported to them which shows 90 days past due in XXXX. 
I feel Bank of America needs to correct this with all Credit Bureaus IMMEDIATELY and furnish ME the written information provided to the Credit Bureaus to get this corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (IN).
Issue: Fraud or scam

Complaint: i got a phone call from someone stateing i was chosesn to recive a government grand and could recieve it though western union. all i had to do was send a deposit for my money to have a hold and would get the money bk with the grant so i send the money waiting to get a tracking number then was told to call another number for the federal reserve bank. i call them and they want me to send more money i said no and i wanted the money bk from which ive already sent they say they cant do that because it has all ready been processed. i dnt know wat to do to get my money bk now.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (Conventional fixed mortgage) with EMBRACE HOME LOANS (AL).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage company ( Embrace Home Loans ) keeps transferring my loan to different companies for servicing. Their latest company is XXXX. However, after receiving the notice of transfer I still can not pay my mortgage or log into the provided website to check my balance. Also, the the XXXX customer service number is not working. 
The phone number for Embrace Loans is XXXX extension XXXX for the President XXXX XXXX. I 've called Embrace, XXXX, and XXXX and nobody can help me. Also, all the customer service people are located in the XXXX.

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