milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Checking or savings account (Other banking product or service) with CITIBANK, N.A. (MA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: Citibank account holder ( the XXXX ) passed way in XX/XX/XXXX. At the time of XXXX the XXXX was a citizen and resident of XXXX. The XXXX maintained 2 accounts ( the " Accounts '' ) with Citibank for the benefit of his cousin ( the Beneficiary ). The Beneficiary is a Citizen and Resident of XXXX. The executor and the beneficiary have been trying since XX/XX/XXXX to get balance and accounting information and closure for the Accounts.. Citibank has imposed shifting requirements on the closure of the Accounts. Citibank has refused to provide the information or close the Accounts. 

Chronology of Events is as follows : XX/XX/XXXX - Executor sends notice of Appointment as Executor of XXXX XXXX XXXX. 

XX/XX/XXXX - In response to Executor 's letter requesting accounting and closure of Accounts, Citbank instructs that a certified copy of a XXXX certificate and notarized letter of instruction from Beneficiary is first required in order to close the accounts. 

XX/XX/XXXX - Executor provides Citibank with among other things ( 1 ) a certified copy of XXXX  Certificate ; ( 2 ) a notarized letter of instruction from Beneficiary instructing Citibank to close the accounts and remit funds to the Executor. 

XX/XX/XXXX - In correspondence Citibank advises that all documents must be in English translation and must include attestation from U.S. Consulate, Embassy, or Apostille. For the first time, Citibank informs Beneficiary that a Federal Transfer Certificate ( FTC ) will need to be completed. Citbank provides a telephone number but no one calls back after messages are left. 

XX/XX/XXXX - Citibank is provided with English translation and certification with Apostille of the following : 1. XXXX certificate of XXXX, 2. Notarized letter of instruction from XXXX. An FTC was not completed for the following reasons : 1. FTC requires the disclosure of account balances being transferred. To date, Citibank has refused to provide this information, making completion of the certificate IMPOSSIBLE. 2. Funds held by XXXX for the benefit of Beneficiary were never property of XXXX 's estate, but belong to Beneficiary, XXXX. Completion of FTC is not required for property administered by an Executor.

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 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OK).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Chase Cr edit Card is posting a total statement balance to include charges that are not yet posted to my statement. Exampl e : Let 's say last month I had a balance of {$95.00}. I paid the credit card company {$50.00}. The next month I have a balance of {$3700.00}. I know that I bought one plane ticket, but the charge for this is not shown on my statement. I just have the {$3700.00} total. Nothing is displayed for the charges. Certainly anything that is posted does not sum to equal {$3700.00} ( obviously, in one month I do n't have enough interest to have such a balance ) You can see how this type of billing  could cause confusion for a customer. How can I keep up with if my bill is correct without seeing which charges have posted?

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've called the Experian multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 06/30/2017 about Credit card or prepaid card (Payroll card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: XXXX XXXX XXXX deposited money on to a Citi Card ( on my behalf ), since according to them, they have gotten away from paying people by checks, and they do not offer direct deposit. <P/>They deposited a {$600.00} Bonus on my card XX/XX/XXXX. I went to one of their XXXX XXXX ATM 's onXX/XX/XXXX to dispense the funds. The location I went to was : XXXX XXXX - XXXX, TX XXXX ( XXXX XXXX XXXX Branch ). The funds was not dispensed, and I contacted XXXX XXXX XXXX ATM dispute department, they told me I had to contact the Card Services on the back of the card in which I did, and the dispute process began. <P/>It is currently XX/XX/XXXX, and I was told on XX/XX/XXXX by XXXX XXXX XXXX ( XXXX XXXX - SVP, Group Manager ) that the {$600.00} was refunded back to Citi Card onXX/XX/XXXX. Citi Card has not to this day dispersed my {$600.00} back on the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/17/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report

Complaint: Bank of america is not acting in good faith, and are reporting an account that was already transferred to another bank in XXXX and the other bank deleted the account some time ago, when I reached out to them to have them delete the account they are giving me the run around Bank of america, is unfairly and inappropriately reporting me negatively to the credit bureaus, for an account that was transferred out to XXXX in XXXX and they already deleted the tradline. However, BOA still shows that the account had a delinquency in XXXX. When I reached out to BOA they gave me the run around, at one point, the bank even unlawfully threatened me, not to contact the bank anymore, which is a open to the public ; federal bank, although it 's clearly showing that the account is not accurately reporting at least by one bureau, and by one bureau it 's not existing at all.

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I contacted each credit bureau to dispute items that did not belong to me that were reporting against my credit on XX/XX/2017. The only response that I received was from XXXX and they were able to remove all accounts I requested to be removed. It has been well over 30 days and I have n't received any information from XXXX  or Transunion at all.

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 09/13/2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: ive tride to get credits cards and my bank and ive tried to get a car at a dealership. both times it says i owe money. ive never had a credite card or anything to builed or ruin my credite

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (MN).
Issue: Shopping for a loan or lease

Complaint: An agent from One Main Financial in XXXX Minnesota opened an ac for me, I had indicated to him that my husband had an ac with them which I cosigned and I wanted to open my own to which he said I qualified after verifying my credit history upon signing my disclosure statement I realized that the amount was more than I had been given to which I was told since my name appeared on husband s ac his balance will appear on my new ac until its paid out little did I know that he had closed my husband s ac after he received his paid out disclosure notice we called the bank and they were looking at ways to reverse the situation 2 days after this inquiry I called again and was told it was 14 days after and there is nothing they could do, as if that was not enough my husband s ac was debited of this loan payment despite the fact that this was a different account his had been closed and payment date was different the bank was called and they indicated to him that this was the voided check I had presented to them suggesting fraud on my part really then when I contacted them they apologized and I asked me to present copy of my check ( VOIDED ) I did but they again this time debited his ac and also mine different dates but same ac called them again and accepted the mistake and promised to e send a check back for credit and shockingly my husband received a letter sting that he had authorized them to take payment from his ac so no check refund from them so unprofessional customer service and disapointing that I now carry this big loan I did not apply for and cat get help and still getting messed up every time. this needs to be stopped

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on paying my mortgage with Nationstar Mortgage LLC and requested a modification that was approved in XXXX 2016. The terms of the modification were a new 40 year mortgage with a new balance of which {$58000.00} was deferred and non-interest bearing. My complaint is regarding the legality of this agreement. The original loan was {$160000.00} and now the new loan is {$190000.00} of which the property is not of that value. This property is in XXXX that is very crime ridden and economically XXXX. There are no formulas or itemized detail that shows how the new loan amount was determined and how the deferred amount was determined. This loan leaves me in a worse off situation that before and my understandings of modifications are to help the owner save the property but not put them in a worse off situation. This agreement has a new payoff in 40 years again worse off than I was currently at. I do not think this lender is providing options for homeowners that actually help homeowners and would like someone to review this please.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Struggling to pay mortgage

Complaint: In XXXX BOA offered me an incentive under the Home Affordable foreclosure  Alternatives program that I qualified for. I was going through a very difficult divorce and had XXXX children, a full time job and no child support. This program offered me incentive money and debt forgiveness that would not be taxed by the IRS. However, BOA filed a XXXX misc. instead of a XXXX, and now the IRS is after me for nearly {$4000.00}.

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 03-07-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Early in XX/XX/XXXXI contacted XXXX XXXX XXXX XXXX   to help me with my debts.Since then I have been instructed not to talk with any of my creditors and I have sent letters explaining the course of action I have taken, but everyday, several times a day I keep getting phone calls and voice mails on my phone.I also supplied them all with a number they could call.I am stressed out over these calls and want them to stop.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The following inquires are on my three credit reports and I did n't authorize them to pull my credit. Please remove them as soon as possible. 

XXXX XXXX requested your credit report on XXXX XXXX, XXXX. 
XXXX XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX. 
XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX .New Inquiry - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I Reviewed My Credit Report After Receiving A Denial Letter From XXXX Bank. I Did Not Apply For Any Credit From XXXX Bank. Attached Is The Letter, And A Copy Of My 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 explanation
Consumer complaint received 06/17/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX sued me back on XXXX XXXX, 2014. I had requested validation from them but never received it as requested. I went to court and represented myself and I had requested validation even then but the lawyers did not produce anything to prove it, they still won a judgement against me. When I had requested proof from XXXX what a did receive was a letter and copies of statements but no contract with my signature. XXXX now has a Lien on our home and emptied out a small bank account. My right to validation under the Consumer Rights Act has been severely violated.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MN).
Issue: Account opening, closing, or management

Complaint: Paypal put a hold on my account and stated that my account was " linked '' to an account owing them money. I told them that account does not belong to me and remove the hold, they have not. They are also holding my money hostage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Problems caused by my funds being low

Complaint: For the second time chase bank rearranged my purchases that cause my account to be charged overdraft fees 3 times. I was maybe expecting one but they moved charges from Friday, Saturday and Sunday around. These were not charged as credit. This is the XXXX time this has happened and every time I call they do n't see this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-06-2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Cash advance

Complaint: I paid my car lease on my credit card with Chase and was told there was a fee attached, {$21.00}, I understood and went through with the payment. On my following credit card statement the lease payment was n't there ( it was after the cut off date of the statement ). I paid the credit card in full. The following statement showed the lease bill paid and the {$21.00} fee attached. But on this statement they charged me {$10.00} interest fee. I called up and spoke to a representative who said that even though no interest was shown for me to pay on the statement and I paid in full, interest was acuring. I asked how could I pay what I did n't see, she said I should have called Chase to see what amount I owed and she could do nothing about the {$10.00} interest. I then paid that statement in full including the {$10.00} interest. This month I received my statement with another {$3.00} in interest. I called again and was told basically the same thing, I should have called to find out the right amount to pay. I ca n't understand why would I have to call to find out the right amount when I pay what the statement says. This is the second month being charged interest for an amount I could n't see.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: CITIBANK SOLD THIS ORIGINAL CHECK AS A SECURITIES INSTRUMENT AND MADE PROFITS, IM TRACKING IT DOWN RIGHT NOW, AND THEY CLAIM I OWE THEM? YOU GOT TA BE OUT OF YOUR XXXX XXXX  MIND, I HAVE THE RIGHT TO KNOW WHAT ALL THESE NUMBERS ARE AND WHERES THE ORIGINAL INSTRUMENT WITH MY WET INK SIGNATURE, BUT XXXX WANTS TO PLAY WORD SEMANTICS WITH ME AND USE DISTRACTIONS, THERE IS NO VARIFIED CLAIM FROM A COMPLAINING PARTY, AND NO ''BILL '' WHICH WOULD DEFINE ''SOMETHING OWED '' MANY MANY TYPES AND COUNTS OF FRAUD GOING ON RIGHT HERE FOLKS AND I HOPE PEOPLE LEARN FROM THESE COMPLAINTS OF THESE XXXX XXXX XXXX XXXX. SO WHY IS THIS CHECK BEING TRACKED TO A FINANCIAL INSTITUTION IN XXXX? LOOK UP NUMBER XXXX, AND ITS NO COINCIDENCE BECAUSE I HAVE OTHER CHECKS THAT TRACE BACK TO XXXX ALSO AND IM INVESTIGATING THIS FRAUD, LOOK UP ALSO XXXX,, ANOTHER CHECK TRACED TO XXXX, HERES THE LINK http : 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 04/26/2017 about Debt collection (Medical debt) with ATG Credit, LLC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I had a medical bill that my insurance did n't cover. It 's been over a year since I was hospitalized. In  XXXX  I noticed on my credit report that I have a collection account that I never heard off. It was the amount of  XXXX  As soon as I fount out I called the collection agency and paid the bill, but it looks like they never reported it as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Vehicle loan or lease (Loan) with CarMax, Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX Carmax Auto Finance received a letter from me disputing the information they are reporting on my credit report. They responded with a letter saying they verified the account, which does not serve as proof. I requested a signature that shows that I entered into an agreement to pay them. They have been unable to provide any contract validating the information they are reporting. They also failed to mark my credit report as disputed within 31 days of my initial dispute letter. I sent another letter on XX/XX/XXXX requesting again that they remove their inaccurate reporting. I still have not received a response and they have not deleted the account. They claim I had a vehicle loan that was charged off. It is very damaging to my credit report and I need this inaccurate and unfair information to be removed immediately. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : CREDIT MANAGEMENT Account number XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief