milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Cash advance

Complaint: My wife XXXX XXXX was denied a cash advance in XXXX ( she had pre notified Citibank of her travel to XXXX ). Their excuse was that she had not used cash advances before. She was standing in front of a teller with full id in XXXX when denied. She had not used a cash advance before because it was a 7 month old credit card account with Citibank. 
Complaint filed with NY attorney general follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2016 XXXX XXXX New York Attorney General The XXXX XXXX, NY XXXX Dear Attorney General, Thank you for your good work during your term. 
I sent the attached message to Citibank Credit Card. Through their neglect and incompetent polices they have left my wife, XXXX, without cash in the XXXX XXXX. 
Thank you in advance for challenging Citibank 's policy of denying cash advances ( {$230.00} ) where a client has provided advance notice of their travel ( XXXX ). 

Very Truly Your XXXX XXXX Cc : Citibank General Counsel- XXXX XXXX After talking with Citibank fraud department and requesting a supervisor ( wo n't be available for 48 hours ). I sent the following to Citibank by their customer message system. 
XXXX My wife XXXX notified you that she was traveling in XXXX. You have this on record. 
After her Citibank debit card was eaten ( was not returned ) by a bank in XXXX this past weekend for unknown reasons She went to the their branch to get a cash advance on her Citibank Master Card before she bordered a plane to the XXXX ( no wifi, no electricity ). 
UNFORTUNATELY CITIBANK BLOCKED A CASH ADVANCE!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
For {$200.00} and she notified you she was there!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
She now is in the XXXX without cash ( or debit card ) and no trust in CITIBANK!!!!!!!!!!!!!!!!!!!!! 
What are you going to do about it!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX your Quants for programing that stupid logic!!!!!!!!!!!!!!!!!!!!! 
Never had this problem dealing with XXXX. Will start pursuing other option since your people are worthless Internationally. 
You are liable if she is injured or marooned in any form because she does n't have cash!!!! 
WHAT ARE YOU GOING TO DO TO CORRECT THIS!!!!!! 
!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Discover Bank Credit Card Account was removed from my XXXX  report. However, it 's still showing up on XXXX and XXXX. This is not my account, and it seems like XXXX has proven this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Checking or savings account (CD (Certificate of Deposit)) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint: on XXXX/ 2017, I have received a check and a statement that was I been hired, and they want me to deposit the check. and the next morning, the check has been successfully deposited on my aacount, then my employer wants me withdrawn the money from the chase to purchase the equipment stuff when I spent about XXXX $ through the XXXX. 
I immediately check my bank account, then the bank said the check ca n't be verified. 
I ca n't believe the morgens of chase bank made this kind deal with those people, First, the bank shows my check has been deposited successfully. Second, when the theft took my money, chase deny the check the was successfully deposited. 
I really need helps. I 'm still a XXXX, that is a lot of money to me

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OK).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Each of the reasons listed above have occurred on multiple occasions. Vial, nasty curse words have been directed to me. I have been cursed out at work, threatened and harassed on multiple occasions. Additionally, I was not served by a " process server '' notifying me of a court date and a judgement was entered against me. Documentation presented to the court indicates I " was '' served but during the time indicated on the service notification I was out of town.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Closing/Cancelling account

Complaint: I found your company information while researching who to complain to regarding citi bank. I have had this card for a few years now and I have paid it off a couple of times and kept if for emergencies. I have had struggles at times like anyone else now a days and I have called into Citi bank each time to work out a payment plan in order to get my credit in good standing. Long story short I have not received child support countless times which cuts into my monthly income, my children have medical bills that need to be paid before they can be seen for a doctor visit, emergencies on my home that need repaired. I can hardly ever get ahold of an actual person and once I do I am switched around countless times from department to department trying to set up a payment or schedule a payment or if I need to, make a payment arrangement for my account. Once I do talk to someone it is never a supervisor like I ask for, instead it is someone who says they are going to note my account, set up a payment plan, waive a late fee and it is never done. Each time I have called Citi bank and they have sent me countless emails stating " they know times can be tough, and they are here to help '' offering me payment arrangements and reduction of my monthly payment, etc. However, none of these " offerings '' ever get put into place. My account is always charged late fees even when they say that they will be waived so that I can catch my account up. My monthly payments were never lowed but raised. My account has been under my credit limit and paid up to XXXX currently and they just took it upon themselves to close my account. This was done without any warning or anything and also done while my account was current. This will affect my credit and I would like to get this resolved and my credit not affected for their horrible customer service or lack thereof. I would really appreciate any help that you can give. I work full time and I am a single mother of XXXX children so yes, my priorities are n't always my citi card, however, I always chat or call them to alert them to my situation and try to work out a solution to where I can get my account current and it not affect my credit score.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching the letter that I sent to Equifax, XXXX XXXX XXXXXXXX XXXX on XXXX XXXX. More than 30 days have passed, and they have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: Bank of America closed a checking account that I had owned and reported the account closure to XXXX as potential fraud. There was no fraud that occurred on the account and Bank of America refuses to remove the incorrect information from my XXXX record. I have contacted Bank of America and XXXX numerous times about this issue and have been repeatedly told that the information is accurate. The information is not accurate-I believe that Bank of America is just not investigating. As a result of this, I cannnot open a bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion keeping putting wrong information on my credit report. I have call and dispute this informatin over and over i have ask them to send me copy of the verification procedures they keep sending letter back saying the same thing over again they arent verifiy the information

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 05-10-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX   XXXX   XXXX  bought a debt fro m Citibank Best B uy which was from Identity Theft which a relative of mine opened without my permission or knowledge. I disputed the account from the original creditor in  2015 . Now  XXXX   XXXX   XXXX  will not stop trying to collect on a debt from Identity Theft. I have provided them with a FTC Identity Theft Report. I have also requested then to send me all paperwork regarding such account but they refuse to send.     I am a victim of Identity Theft, this debt is not mine!

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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 have asked for debt validation on my credit report from Experian. I have requested this many times over the last 5 months and every time it comes back with " verified '' however Experian never sends me proof of this verified account. I would like this account verified or removed from my report, I would like them to send the proof that they legally have to showing HOW they verified this account, something showing where I have a contract with this debt and a signature or something showing it belonging to me. The account in question on my report is XXXX XXXX. I have sent certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all requesting that I have proof of this debt and every time without proof they have verified it.

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 06/27/2016 about Mortgage (FHA mortgage) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Application, originator, mortgage broker

Complaint: Regions Mortgage company never provided me information during my closing on my credit score during time of closing. When I called Regions they said they can not provide me the score as this is Regions property and that I should have received this information with my closing documents but I never received this information XXXX I have all my documents from closing and nothing tells me what my score was at the time of closing.

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 07/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I called Capital one credit card for balance transfer and spoke with XXXX he informed me that the promotional offer 0 % balance transfer only can be done at XXXX, so after login to my account and try to submit it I notice the offer is 17.99 % with XXXX fee to transfer my XXXX XXXX XXXX XXXX is only 16.99 % so is very stupid to do so, but the question is it seems capital using this scam for none speaking English people ( minority ) that can not read the disclosure, if you use the internet Capital one can claim i signed and read disclosure and offering XXXX fee I never thought about I am XXXX years old and never seen this before and I know is an offer but intend of capital one to do it on the internet and adding the XXXX ( XXXX ) fee is very ambiguous and offering it only to minorities, i know bank has to make money but no fraudulent why not do it both way internet and phone.I hope this complaint stop capital one and do not rip off people, capital one must understand not many people can read and wright English. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Homeowner XXXX XXXX, an XXXX year old widow, is being unfairly taken advantage of by servicer of his reverse mortgage, Financial Freedom. In XX/XX/XXXX XXXX , XXXX was approved for a Florida Hardest Hit Program ELMORE ( " Elderly Mortgage '' ) grant to pay off delinquent property taxes and property insurance that he fell behind on after his wife died in XX/XX/XXXX. This program grant paid Financial Freedom a total of {$37000.00} on XXXX XXXX 's behalf to cover the unpaid property charges. Of this, {$29000.00} was for past-due property charges that became due before XX/XX/XXXX and {$8000.00} was to be used by Financial Freedom to pay prospective property charges that would become due during upcoming year. The ELMORE Grant Award letter is attached to this complaint for your reference. The {$37000.00} in grant funds were paid over to Financial Freedom on XXXX XXXX 's behalf on XX/XX/XXXX. 

XXXX XXXX 's flood and property insurance policies both became due in XX/XX/XXXX. XXXX XXXX contacted Financial Freedom to make them aware of the upcoming renewals in XX/XX/XXXX. He followed up with his written request that Financial Freedom use the money that was paid to it on his behalf to pay for the insurance policies several times in XX/XX/XXXX and XX/XX/XXXX. 

Despite having more than sufficient funds and information to pay these property charges Financial Freedom has ignored XXXX XXXX requests and has refused to use the {$8000.00} to pay the property charges. Financial Freedom has misappropriated the funds it received on his behalf and refuses to use them for his benefit, as they were clearly intended for. Financial Freedom is effectively stealing money that it received for XXXX XXXX and apparently using that money for its own purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We short sold our home in 2012. PNC Bank was the lender for a XXXX ( Home Equity Line of Credit ) on our home. They have incorrectly reported the loan on our credit reports. We ca n't get a loan to buy a home again unless they provide a letter stating that the HELOC was NOT a charge off, but a short sale. They also incorrectly show XXXX accounts on our credit reports, XXXX with the correct account number and the XXXX with an attenuated account number that have each been reported differently ( XXXX shows a {$0.00} balance and the other shows an unpaid balance ). They are XXXX IN THE SAME account. I ca n't get through to a sentient human being inside PNC Bank to TALK to anyone about getting a letter drafted that states this. They have no email address, no fax numbers, no mailing address, and phone numbers that put you on hold forever, require an existing account number or SS # to talk to someone, and do n't put you in touch with someone who understands what we need or how CRITICALLY IMPORTANT it is for them to correct this error on our credit report and provide us with a letter. We are a family of XXXX trying to buy a home again, but are unable to get a lender to consider working with us until this is resolved. PNC BANK SHOULD NOT HAVE THIS KIND OF POWER OVER US!!! We need a roof over our heads.

Company response to consumer: Closed
Consumer complaint received 02/18/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (AZ).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX a person transferred {$1000.00} into my chase checking account via Chase XXXX. On XX/XX/XXXX my account was frozen due to it being reported as a fraudulent transaction. I was never contacted by the fraud department about the account being frozen, I always had to contact them. Their answers were always vague. I submitted all documents I could supporting my side of the situation. XX/XX/XXXX the fraud department removed the funds from my account. I received two letters, one stating it was an ATM issue and second stating it was due to an unpaid check. Both letters do not correspond to what actually happened. I contacted the fraud department to get a letter actually stating what happened and they said they couldn't because they can only send out computer generated letters. I asked if they could write me one and they said they can only send out computer generated letters that I already received.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax got hacked and still charged me XXXX dollars to put a freeze on my account even though it was their fault I needed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2015 about Credit card () with U.S. BANCORP (MA).
Issue: Advertising and marketing

Complaint: On the US Bank XXXX XXXX Visa Card, they are changing the card benefits. 
THE LANGUAGE, the agreement we signed up for CLEARLY SAYS GET THAT XXXX free night AFTER PAYING THE {$75.00} FEE. They have to live up to their terms & conditions here!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Sale of account

Complaint: American Express lost its business relationship with XXXX, and the consumer was forced into doing business with XXXX moving forward. Prior to this merge I had a dispute that was submitted with American Express against a merchant that could not deliver ( after multiple opportunities ) on what I contracted them to provide. After providing American Express the information in the dispute and a short period of time, my account was credited the disputed amount and the matter closed. A month later my relationship with American Express ended with the end of their XXXX arrangement. A few months later and with my XXXX card this disputed amount mysteriously appeared on my statement! This was not a charge that was authorized on my XXXX card! It was a charge on my American Express card and the matter had been closed, as well as, my account with American Express was closed. Because of the account closure I was unable to discuss this fraudulent charge on my XXXX with American Express, I was directed to talk to XXXX. I have been back and forth dealing with a closed dispute with XXXX and a fraudulent charge that was NOT authorized by me. I have explained to XXXX that this is XXXX separate accounts, and no one is authorized to put charges on my card except for me the authorized user of this card! XXXX would like me to believe that the businesses merged and my account is with XXXX and that XXXX just took it over from XXXX, NOT American Express ; nonsense! Credit card relationships are unique to that credit card provider. American Express, and XXXX are separate business entities with separated agreements and terms and conditions. When American Express closed the account my relationship with them ended on that day. Any past disputed charges should be between American Express, the merchant, and myself ; not between a new credit card provider and a past closed dispute. PLEASE HELP!!!

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 11/20/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My name is associated with a loan that is in the name of my ex-wife ( XXXX ). It was a consolidated student loan from 2002. When I asked FedLoan Servicing to help me in negotiating payment, I was directed to the Dept. of Education. The Dept. of Education basically pointed out that I have no loans in my name, and that there is no way for me to deal with any of my ex-wife 's loans. I hope to purchase a home in the near future, and the only potential source for negative credit is this loan, and I have no way of dealing with it. At this point, I would like for FedLoan Servicing to stop reporting the loan to credit companies, at least until I am given a way to negotiate payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Other transaction problem

Complaint: My bank, Bank of America, wo n't report accurate and timely information to my  XXXX  app. This has caused me to not be able to take advantage of the services and said bank takes hours to update my balance and bank status. My balance is alwa ys 5-6 hou rs behind.

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 07/27/2016 about Debt collection (Credit card) with Integrated Recovery Services (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I submitted this information on Yesterday but I wanted to add more information ... I researched other complaints about XXXX XXXX but I did not have the name of the company they are posing under is Integrated Services and the phone number is XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: purchased a XXXX XXXX in XXXX from XXXX paid off in XXXX received ttitles in XXXX traded it in XXXX to XXXX XXXX XXXX texas XXXX, they reported was reported on my credit XXXX/XXXX/XXXX {$1000.00} why would I have the titles if I had a balance, I do not owe anything, please remove off of my credit report

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