milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for 2 simply cash credit card from XXXX XXXX XXXX XX/XX/XXXX, based on their online offer ( pic attached ) to earn up to {$200.00} if spend {$5000.00} in the first 6 month and {$200.00} more if we spend {$10000.00}. 
One card i spent {$11000.00} till today The second card {$10000.00} till today I am now entitled for my cash back reward in both cards. when i called last week XX/XX/XXXX to follow up on my cash back they told me u r not entitled for any since u had old account and u are not new customer. 
this offer is never advertised for ONLY new customers. not a single line in the details says for ONLY new customers. 


the XXXX card numbers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (WA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have a problem with getting my identity verified at Coinbase. It was not a problem the last few months but now it appears that they do n't know who I am. I have been unable to perform any transactions at all. I am unable to sell any XXXX, XXXX, or XXXX. I noticed about 6 weeks ago that I essentially lost control of my money and assets. After a few weeks of trying to use their online solutions, I became fed up and sought the assistance of a real person. I called at least 5 times and waited over 30 min on hold each time with no answer. Finally I just wrote an email and received a return email that said they would get back to me when they can. I have lost all buying and selling opportunities for the last month and a half. I am also unable to withdraw any funds to my bank account. Funny thing though, I tried depositing into the account from my bank account and apparently they knew me well enough to receive my money and take the deposit. I sent the email on XXXX XXXX and received an email the same day saying they will get back to me later.. I would like to have access and control over my own account and to not be locked out and ignored. Customer support is a complete joke and it feels as though they have just taken everything from me and could care less

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2017 DCI responded to my dispute for validation. Based on the information they provided, per law this does not serve as a proper validation. A billing statement is NOT validation! Regardless to their claims to not have ever received a dispute from me is irrelevant to the fact that DCI has not provided proper validation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 has verify as accurate accounts that have been sold and verify as accurate collections accounts that I have not received proper notification and validation.

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 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX sent me multiple letters on XX/XX/XXXX stating my account was closed and they would be deleting all the information regarding there company off of my credit report. As of XX/XX/XXXX there are still XXXX XXXX XXXX accounts on my credit report with TransUnion and 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 12/13/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Please refer to my earlier CFPB complaint XXXX dated XXXX/XXXX/XXXX. 
As per that : XXXX Please refer to my earlier complaints about Citibank. It seems there is no way this bank can improve and do something better. The latest issue - the customer service folks are not even aware of the correct XXXX Routing #. I called them via phone during XXXX XXXX XXXX to XXXX XXXX XXXX. As I was not having the online access or my check book - I simply asked them about my account # and the XXXX routing # to setup a direct deposit. The gentlemen on the phone told me that XXXX routing # is : XXXX though he provided me the right account #. I setup in my employer 's portal for the direct deposit. For the pay on XXXX XXXX XXXX - i realized the direct deposit is not happening and then reached out to their customer service again. Only to realize that the routing # is wrong. He told me that if the routing # and the account # is not matching - then money will be refunded. My employer might charge me penalty for this. And I have no idea what happened to my {$100.00} direct deposit which went into somebody 's else 's account. This is so careless mistake by the customer service. Citi has a usual habit or pattern of making simple things complex. Moreover Citi has  grown so big and expanded into so many geographies that they ca n't manage very simple stuff also. It 's just too difficult to deal with this bank. 

================================================================= Essentially speaking Citi customer service gave me wrong information about the XXXX routing # and thus the direct deposit failed. 
This failed direct deposit was totally Citi 's fault and they accepted it also. 
When i was opening this account - it had a promotion of {$500.00} - i fulfilled that by applying the right promotion also. It was opened using the webpage that they had at that point of time. 

Once again citi is trying not to honor their words and deprive me of the promotion.

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 12-08-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A debt in the amount of {$1900.00} from National credit systems is being reported on my credit report. The debt in question is from an apartment that I leased. I contacted the company by mail on XX/XX/XXXX and again on XX/XX/XXXX. OnXX/XX/XXXX I requested validation of the debt. I asked the company to show me how they calculated what I owe. The company replied by sending a transaction history and a lease renewal agreement. The lease renewal agreement was signed XX/XX/XXXX. I moved into the apartment XX/XX/XXXX ( which is reflected on the transaction history ). When I moved in I made a deposit of {$1800.00}. My {$1800.00} deposit is not reflected on the transaction history so I wrote another letter to the company onXX/XX/XXXX. In this letter I let them know that they were reporting an incorrect amount owed. I asked them to retrieve the lease agreement that I signed on XX/XX/XXXX. This lease agreement will list the {$1800.00} deposit. Without this lease agreement the debt has not been validated as accurate because it can not be reconciled with the transaction history. I received a generic response from National credit systems and the item remains on my credit report. This company is violating the FCRA 609. Also please note that I also disputed this matter with the credit reporting agencies and National credit systems confirmed the debt amount as accurate. Please hold this company accountable by requesting the XXXX lease agreement and requiring them to deduct the {$1800.00} deposit from the debt amount. Also please note that I contacted the apartment complex several times after I moved to recover the deposit. National credit systems did not contact me in regards to this debt prior to placing it on my credit report as required. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Consumer Loan (Installment loan) with Social Finance, Inc. (OH).
Issue: Shopping for a loan or lease

Complaint: Went to lenders website and filed in base information. I.E. type of loan, reason for loan amount requested and my contact information. Got automatic reply stating that the loan was pre-approved! Went through the steps required, sending more information and answering replies to their emails regarding back up documentation. 

Sent email to CEO as requested on their website and was contacted by their consumer relations department. 

Received email two days later that loan was not approved for reasons they would not explain over the phone and the other reason because I had high revolving credit which is what I stated the purpose of the loan was to correct! 

Sent second email to CEO stating I thought their site advertising saying the loan was preapproved was misleading and false advertising and stating the obvious about the reason given for the decline response was the exact same reason I had applied for the loan. Again, no response from him but a contact from his consumer relations department saying they could not give me the real reason the loan was turned down over the phone but she could send me the credit report that violated their terms and conditions. These terms and conditions were never explained to me or listed anywhere on their website or advertising. 

This has caused me to again search for a personal loan from other companies and put another inquiry on my credit report for pursuing a loan so the next company can say to many credit inquiries as a reason for turning down a possible loan. Plus has set back the timing of consolidating my resolving credit situation costing me $ $ 's in interest at the higher rates. 

I believe their methods are very deceiving to the consumer and practices of asking for communication with the CEO are also a deceptive practice when he never really sees the complaint or addresses the issue even though it is promoted that you will communicate directly with him and they use his personal email as the communication point. 

I would classify this lender as a buyer beware company because they are not upfront with their practices and lending criteria. Just looking to take people off the market in the hopes of securing the business from other lenders. 

Lender SoFi Financial

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX 2015 I went to US Bank and told them I did not want my MTG payments for XXXX XXXX XXXX to be taken out of my bank account anymore. XXXX XXXX XXXX was changing my loan amount I did not know to exactly what amount. I only had a certain amount going into US Bank each month and I did not know if it would cover the new amount. I needed to pay my own bill. I asked what I had to do to make it so that XXXX could not draw any amount from my account. I repeated several times that I did not want XXXX to withdraw any amount from my account. The woman asked me several questions and said it was completed. There would be up to 2 years. They could not take any money. When we finished I asked if I had to go to XXXX to close any paperwork I was told no that this would not allow XXXX to draw any money from that day on. I kept asking her if she was sure everything was done she said yes. On XXXX XXXX I went to cash my XXXX check. I wanted to just cash it and not put it in the bank. The cashier only allowed me {$500.00} she said they had to put a hold for 3 days. I became very busy on Monday and Tuesday so I could n't go get my money. On Wednesday I went to get {$200.00} and all my money was gone. I asked how that could be because there should have been {$1200.00} at the least in my account. They told me they paid out {$1400.00} to XXXX this was done on XXXX/XXXX/15 I said I had put a stop payment on XXXX/XXXX/15 and was told that was all I could do. I found out since I could have gone to XXXX and ended this immediately. I asked US Bank why when I asked if I should go to XXXX and they said not necessary why they lied. They said they do n't and I said you mean you would rather hurt your own customers then I left.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The credit reporting agency Equifax allowed a massive data security breach ( 143 million people affected ) sometime between mid-XX/XX/XXXX and XX/XX/XXXX. They discovered the breach on XX/XX/XXXX and informed the public on XX/XX/XXXX. 

Equifax was irresponsible and careless in regards to the cyber security of my personal and financial data along with the other 143 million people affected. Equifax mishandled my data including names, Social Security number, birth date, addresses, credit card numbers and potentially my driver 's license and possibly more. That puts me at risk of identity theft and fraud due to negligent security practices in handling consumer information. I confirmed that I could be affected on the website, www.equifaxsecurity2017.com. 

There is nothing I could have done to prevent this. The responsibility rests solely on Equifax. I have initiated a fraud alert on my credit file and am seriously considering paying for a credit freeze to be extra careful.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of   XXXX   XXXX     30 days past due as of   XXXX   XXXX     I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 09-12-2017 about Debt collection (Other debt) with Monterey Financial Services LLC (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/2013, I was unemployed XXXX  seeking assistance to find XXXX XXXX XXXX. I found a company online called XXXX XXXX. I submitted information and spoke to a representative, who stated that they worked with assisting executives with finding positions and would guarantee that they could find me a position in 13 weeks. They asked for {$630.00} upfront, which I paid and a copy of my resume. They had me complete a detailed survey online and then a " coach '' called me. I was then sent the contract for 6 additional payments of XXXX to begin in XXXX but was told that if I did not have results in the 13 weeks that I could cancel. I would lose my deposit but no further obligation. I received my resume back " prettied up '' but with numerous spelling and grammatical errors that also changed the core of my experience in several instances ; with cover letters and envelopes addressed to CEOs of 12 companies. I was told to mail these and follow up asking for an appointment to see if they would see me and possibly have a 'spot '' for me. This was not what I was promised when I spoke with the sales rep on the first couple of calls. I told them this. I did however, do what they asked and never got to speak with anyone at any company. I asked XXXX to discontinue my service. They said I had to do it online. I sent email but once I started being contacted by collection was told there was a special form I should have filled out. I reported there activity to SC Attorney General as Internet Fraud. They have since been hurting my credit score and compounding interest to this account and calling my phone constantly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I called your agency to inquire about possible payment plans and settlements available to me in regards to the unpaid debt. I was very professional and I explained my situation to the agent as to the reason why I had not paid the bill. 

The agency started off professional but the changed once I started asking additional questions about possible payment arrangement/settlements. When I did n't agree to what she was saying she started to get very forceful and aggressive trying to bully me into making a payment. I let her know that I was a XXXX and that I know we could make other arrangements instead of the five year agreement she tried to get me to sign. She refused saying that 's not possible now. She continued to become more harassing. 

She stated she was going to tell your agency that I was refusing to make a payment. I told her no I did not say that I was simply trying to see what I was going to do. She continued to lay into me stating make a payment sarcastically, then she stating you are not going to make a payment, you have not made payment in five years. I replied to the agent I was going to make a payment and before I could finish what I was saying she cut me off. 

I advised the agent that I was going to end the telephone call because I was not going to continue to let her speak to me in that manner. I do n't know what type of business you are running but her agent is violating the Fair Debt Credit Laws. A copy of this letter will be forwarded to them in regards to this matter. 

I called you because I know I owe the money and I am currently paying off other debts. My intention was to work towards paying this one. Your company is the rudest company I ever worked with and I would not use your company at my XXXX. I will make sure that I spread the word. You do n't have to be rude to people because the owe money ; thing happen and people are placed in certain situations ; in most cases it 's out of their control. As a collector, your agents should understand that and become better listeners than screamers.

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 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I recently pulled my credit and noticed that i had some errors on my credit report. 1. I noticed several student loan accounts and a few negative items on my credit report. I have n't attended school since i graduated from high school. I have n't applied for no credit since I 've been out of high school. I did n't apply for any credit at all. I was taught by my parents that credit debt could haunt you, so never apply for anything.
2. I sent in several certified letters to debt collection agencies and credit bureaus only to receive bogus verified credit report letters, and letters with no signatures, no original copies of documents when account was open. I only have credit report letters.
3. I sent in police report to all credit bureaus and collection agencies notifying them that an incident with fraud had occurred and none of the accounts is mine. I have n't receive and verification letters or documents verifying my signature, any amounts. I am getting sick and tired of suffering for something that is n't mine. I have contacted all of the companies on the phone and through mail. This situation has been going on for almost a year since i found out about the errors and inaccurate information on my credit report. This is not a threat but i would kindly like the companies know that within 15 days i will be filing a civil law suit against them for breaking FCR laws.
4. I filled an FTC 5. I am harassed by all companies by phone, job, email Company : Account # XXXX XXXX XXXX/XXXX All Equifax XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased the house, the lending company we got the loan through gave the wrong contact information to the insurance agency. They say they tried to contact my wife who was not the borrower on the loan, I was. I was never contacted about a dangerous dog form which led to them cancelling my insurance policy in XX/XX/XXXX. I never received notice from the insurance company or the mortgage company that my home insurance cancelled. The refund check for the insurance was stolen and my signature forged. The mortgage company sent me a letter in XX/XX/XXXX ( 8 months later ) saying that I had no insurance and were back dating and retroactively placing force placed on my house. my initial policy for the year was {$1100.00}. The mortgage company 's force placed policy was more than {$4000.00}. I have explained, and the insurance agency even wrote a letter describing my circumstances and asked for them to waive the insurance policy since the insurance was not used because no damage or claim was filed and they refused. the lending company, the insurance agency, and the mortgage company all three are not taking responsibility for the mishandling in the situation which caused me to incur such a huge increase in charges, and also the extremely over priced force placed policy.

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 05/18/2015 about Credit reporting () with Experian Information Solutions Inc. (HI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Recently, I disputed item XXXX XXXX with Experian based on a plethora of inaccuracies. Incredibly, Experian has verified that all information being reported is correct. Pursuant to FCRA 611 ( 7 ) I made a request to understand just how Experian was able to verify this incorrect information. Item was sent via XXXX Certified mail label XXXX and was delivered to Experian on XXXX XXXX, 2015. See XXXX. Experian has failed to respond to this request within the required 15 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation