milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I thought this issue was resolved in a previous complaint ( XXXX ). Unfortunately the situation has only gotten worse as CitiBank has not provided the resolution that they promised. 

On XXXX XXXX, 2016 I received a letter in regard to my last complaint that I thought was a satisfactory resolution. " After reviewing XXXX XXXX claim, we discovered there was a misunderstanding involving our promotion disclosure. As a result of this, we will be honoring her request by crediting XXXX AAdvantage miles to her AAdvantage Member account within 60 days. '' Unfortunately it has been over 60 days and I have yet to receive the miles that I was to be credited with. 

On XXXX XXXX, 2016, I contacted Citibank to inquire about the XXXX miles that I was to be credited. They said that I should have already received them, and even asked for my AAdvantage account number so that the miles could be credited. 

On XXXX XXXX, 2016, I received a letter saying that I would not receive the miles as I was already credited with XXXX points for a different promotion ( I was not, and this issue was clarified in the original response to my first complaint ). 

On XXXX XXXX, 2016, I called Citibank to try to clear this up. I spent about an hour on the phone with a representative and they eventually came to the same conclusion that I would not be credited for the miles because I had gotten points from some other promotion ( again, I did not receive these points ). I asked if there was anything I could do to avoid contacting the CFPB again, but there was n't anything. 

At this point, I am extremely frustrated with this situation. I feel like I 've been consistently lied to and jerked around by CitiBank. I have a letter in front of me clearly stating that I should have received the XXXX AAdvantage miles by now, but somehow I 'm still completely helpless to do anything about it. The AAdvantage miles were the only reason I signed up for this checking account in XXXX, and I ca n't believe that I am still having to deal with this issue, and I am shocked at how unhelpful CitiBank has been when I 'm not submitting a CFPB complaint. I should not have to do this for a simple promotional offer. 

At this point I still have a significant amount of money wrapped up in my Citi Checking account for the purpose of avoiding fees. I was even charged other fees to have my account open before I chose to put a lot of money in the account to avoid this. Now I am stuck with this account that I ca n't close because I 'm still waiting on my miles, and I ca n't even take all my money out of it because they will charge me fees because I have n't maintained a high enough balance. 

I am attaching the CFPB response from Citibank that I received on XXXX XXXX, and the response I got from Citibank on XXXX XXXX when I inquired about my missing miles.

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 05/20/2015 about Debt collection (Credit card) with ASTA FUNDING INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: ASTA PURCHASED XXXX XXXX AND IS REPORTING ON MY CREDIT REPORTS IN VIOLATION OF FDCPA , FCRA AND S.O.L. LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On the credit report of Transunion. IT shows the accounts of XXXX # XXXX and XXXX # XXXX of showing on my credit report. These accounts are not mine and have been reported to the police as fraud. I have also attached the police report to the dispute. Please remove the accounts from my Transunion credit report.

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 04/29/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have repeatedly requested that Pinnacle LLC / Resurgent provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (AZ).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened an M & T EZChoice Checking account on XXXX XXXX, XXXX. M & T advertised a promotion that promised a {$150.00} bonus after a direct deposit of {$100.00}. I have met the conditions for the bonus and when I asked a customer service representative when the bonus would post, she told me that the promotion was targeted to particular persons and that my name was not on the list, so I would not be receiving the bonus. This is not true, the terms made no mention of this being a targeted promotion and I replied stating this. A second representative replied to me and she changed the story, saying that the account was opened in a region that was not eligible for the promotion. The terms also made no mention of this. M & T should honor the terms of the agreement that they made with the customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FREEDOM MORTGAGE COMPANY (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: As of XX/XX/XXXX Freedom Mortgage continues to show last payment received was XX/XX/XXXX. This inaccurate. Per response from a previous complaint, Freedom Mortgage stated that XX/XX/XXXX payment had not been received. I sent Freedom Mortgage verification that payments had been received. confirmation of online payments and the XXXX banking statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Due to death in family, which led to temporary  financial hardship, I had requested to put off XX/XX/XXXX mortgage payment. Since I had not received any correspondence/ telephone call, I had been led to believe that Freedom Mortgage consented to my request. Freedom Mortgage inaccurate reporting has resulted in scores dropping, being denied refinancing/ person loans. Freedom Mortgages unwillingness to contact customer, has resulted in seeking legal action. This has been ongoing since XX/XX/XXXX. I have submitted letters to the executive staff, XXXX, IN.

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 10/18/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: I was issued a Best Buy Card ( Citi Bank ) credit line in XXXX of XXXX by a local Best Buy store. Store employees assured me that no interest would be charged for three years upon paying the minimum monthly payment. No physical " card '' or contract was ever received in the mail. 
I continued paying regularly till XXXX XXXX. Upon checking the account statement I noticed I had been charged interest to the amount of {$1000.00}. Once their promotional period of 24 months ( not 3 years as I was led to believe ) was over, Citi Bank added on an interest of 25.49 % APR starting from XXXX XXXX. Citi Bank failed to inform me that my promotional period was about to end, that an interest would be charged or the fact that interest would be charged from the issuing date.

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 06-05-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I bought my home last year and moved in in  XXXX   XXXX    XXXX   ). I called  Home Depot to update my my address for my credit card ( from CitiBank ). I never received my statement at the new address, and kept calling them about it. At the same time, I kept making payments from my onlin e banking. I always made payments greater than what my minimum payment was, however I just found out my account is delinquent and they will not make any adjustments because they are saying it 's my fault that my account is late. I have never been late or had issues with any of my credit 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 monetary relief
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXXExperian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXThe companies listed above are reporting inaccurate/unverified information.The companies are reporting a paid, closed, or satisfied account as open with a balance. I recently check my credit report and see that UNVERIFIED/FRAUDULENT information is being reported to my account.Thursday, XX/XX/2018, I called XXXX XXXX/XXXX XXXX. I spoke with a XXXX   ID:XXXX which I have a voice recording for proof. The representative stated that Alleged Debt Of $XXXX  was sold meaning the debt was satisfied. The Alleged debt is being reported as a late/open account which is closed and needs to be removed.  The alleged debt was sold to who XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX for $XXXX. With whom I have no contact with, I did not grant permission or authorize the use of my information to be reported in any way. This is identity theft I do not know who XXXX XXXX XXXX is and I demand this information be removed immediately. I have requested that this Alleged that has been satisfied removed from my report.XXXX XXXX XXXX     XXXX                 UNVERIFIEDXXXX/XXXX/XXXX XXXX                 UNVERFIED

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 05-02-2015 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Frequent or repeated callsCalled outside of XXXX-XXXXThreatened to take legal action It has called my home on at numerous occasions in the last 2 weeks leaving the following prerecoreded message. " My name is XXXX from the Municipal Services Bureau. I am calling about a serious court matter that maybe of direct concern to you, and I urge you to return this call as soon as possible. Please give this call your immediate attention! You may reach me at XXXX " No information about what it is regarding and I do not have anything outstanding anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Questions to the pretender lenders, their agents, co parties principle ( s ) that have never been answered : 1. Under what authority these strangers to me and to the alleged financial transaction that never took place filed for a notice of default when there is no loan to me, see attached declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX that there was no loan transaction in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX from any of the parties who have falsified papers to make a fraudulent claim to my private property? 2. Under what authority these strangers to me and to the alleged financial transaction that never took place have been attempting to extort monies and property from me when i : have my non judicial judgment at TILA 1635 et. seq. indorsed by enacted federal and state law and by all three branches of the government, to wit : the president, the congress and the SCOTUS unanimous decision in XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), cert. granted, XXXX XXXX XXXX ( U.S. XX/XX/XXXX ) ( Docket No. XXXX, SCOTUS Unanimous decision XX/XX/XXXX, Author : XXXX XXXX ), at 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 ), Reg. Z by Federal Reserve. 3. How did these entities that claim [ falsely ] that the alleged non  existing loan is in default, obtained the right to collect on a non existing debt, and when there is no default and all payments on a non existing alleged loan has been received? [ see declaration of ex police officer and currently private investigator that XXXX XXXX XXXX, XXXX surrendered to California secretary of state in XX/XX/XXXX, therefore it did not exist to give me a loan in XX/XX/XXXX and did not give me a loan in XX/XX/XXXX. 4. what evidence do these people have who are making a grand theft of my home that A ) there was a loan made to me from any of the pretender lenders ( when there was none, see attachment ), B ) that there is a default ( when there is none, see attached that all payments on a non existing loan has been received on continuous basis ) ; and C ) how did these entities obtain the right to foreclose on my sovereign property, where are the unaltered original note? the chain of assignments? proof of payment such as Check 21,  ACH confirmation or cancelled check? when there is none, see declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX. 5. Under what authority the pretender lenders are trying to foreclose on my property when the non  existing alleged loan has been liquidated on XX/XX/XXXX to unknown parties? see attached obtained from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Medical) with CAC Financial Corp (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a false medical collection on my credit report from CAC FINANCIAL CORP, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, Phone : ( XXXX ) XXXX. It is for a doctor 's visit in which my regular doctor was busy playing video poker to see me so a nurse stood in and doubled billed my insurance and she lied and billed me as a specialist. Her name is XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I have contacted the collection agency and I have contacted the billing department for the crooked doctor 's office and so far they have n't corrected the fraudulent claim. Attached is the fraudulent XXXX bill and a copy of my usual bill. I paid the XXXX bill the first time at the office the day of the visit, I did n't learn of her attempt at double billing until I received a email stating the collection was on my credit report a couple of weeks ago. I have been trying to get everyone involved to fix this issue.

Company response to consumer: Closed
Consumer complaint received 12/31/2015 about Debt collection (I do not know) with Seattle Service Bureau, Inc (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: my caller id identifies them as " PHONE CALL '' but number is XXXX, person on line identifies themselves as National something and then say is the " XXXX '' I say I am not them and please stop calling as this is a unlisted number and I am not the person they are trying to contact and I have reported their number 5 times before to the ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Bank account or service (Checking account) with U.S. BANCORP (VA).
Issue: Account opening, closing, or management

Complaint: My complaint is with US Bank. I have a checking account with them as part of an arrangement for disbursement of assets from an inherited Trust. I am trying to set up a way to transfer money from that account to my main bank account with the XXXX XXXX XXXX XXXX. After an extensive verification process to link an external account that took 3 days, I was finally able to go online attempt to transfer funds, starting with a test transfer of {$1000.00}. To my dismay, they charged me {$3.00} for the privilege. The funds did not show up today, so I called them and they told me it takes 3 days for a transfer to occur. So they want to charge me {$3.00} per transfer and it is not even a same day transaction?! I think this is an abusive rip-off. Can you please look into it, and let me know if I have any recourse? Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have numerous inquiries on my Equifax Consumer report dated XX/XX/XXXX and XX/XX/XXXX from multiple car finance companies. I have contacted Equifax numerous times and informed them that I did not authorize these inquiries. My last point of contact was today XX/XX/XXXX. I spoke to 3 different representatives on different phone calls. I was told to call the car dealership that ran the inquiries. I tried to contact that company which is XXXX XXXX XXXX in XXXX NC but it no longer exists. However I was able to speak to a nice lady that works in the credit department for that company as well as the sister companies which are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. The representative looked into all of their systems and said that she could not find any information on me in order to have the inquiries deleted. She advised me to call Equifax back or to send them a letter disputing the unauthorized inquiries. I called Equifax AGAIN, was unsuccessful. I was told that they could not delete the inquiries and that the car dealerships would need to send a request to delete to Equifax. I 'm stuck in between a rock in a hard place because it seems that I 'm being ran in circles. The confirmation number given to me by Equifax is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: CoinBase I tried to withdraw XXXX from coinbase to binance. It should be verified within 30 min. However, after several hours, current status in still in pending with 0 verification. I also tried to verify my identity numerous of time during the last several months, so I can withdraw the invested money. However, coinbase failed to verify the information despite all the information had been provided. Now, I would like to transfer everything out of coinbase and close my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Mortgage (FHA mortgage) with MIDFIRST BANK (WA).
Issue: Struggling to pay mortgage

Complaint: Midland Mortgage ( XXXX ) is currently servicing my FHA mortgage. I have also applied for a loan modification on numerous occasions and XXXX has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. XXXX is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. XXXX also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XX/XX/XXXX. XXXX has refused to cooperate and has set a foreclosure sale date of XX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter. XXXX is in clear violation of CFPB mortgage servicing rules as well, since they have refused to complete underwriting on complete loan modification packages submitted. XXXX has implemented a foreclosure sale date of XX/XX/XXXX. Overall, I feel deceived by XXXX on a number of counts and I am seeking your assistance on this 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 non-monetary relief
Consumer complaint received 03-09-2017 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (CA).
Issue: Account opening, closing, or management

Complaint: I am trustee for my late mother-in-law 's trust. I set up a trust account with Ally Bank in XX/XX/XXXX. Since my mother-in-law passed away ( XX/XX/XXXX ), I need to re-assign the taxpayer ID associated with the account replacing it with an EIN. I recently made a request via Ally 's secure messaging system ( and per verbal direction from the Ally trust department ) to make this change, submitting the Ally trust maintenance form and copy of the death certificate. I received a response message from Ally that I am was not authorized to make such a change. I responded to Ally that I am trustee for the trust, and have already provided Ally with a full copy of the trust that states this. I have received no response from Ally since that message ( two weeks ago ).

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 03-05-2016 about Debt collection (Credit card) with GEMINI CAPITAL GROUP, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: In 2012 I filed with the court a Notice of Intent to Defend, Response to Admissions, and a Response to Complaint on a Contract with Gemini Capital Group, LLC with XXXX XXXX XXXX as their Attorney. I never received any further communication after my Response to the complaint. My situation still has not changed and has in fact become worse. I have no checking account and own nothing. I am currently on assistance. I received a letter saying that I remain indebted to this company still, for an even larger amount. I feel like this company has already caused me hardship in the past by harassing me about this said debt and I would like them to stop. This supposed debt is from over 7 years ago.

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