milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: In XXXX XXXX I opened a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX Frequent flier miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. These miles are worth at least {$500.00} in travel. 
After enrolling online with the promotion code, I telephoned Citi in XXXX and received verbal confirmation that the offer was attached to my account and I funded the account on XXXX/XXXX/XXXX. I quickly completed the requirements. 
On approximately XXXX XXXX, XXXX I contacted Citi and spoke to a representative named " XXXX '' who assurred me that I had met all the requirements and the promotioal code was attached to my account. She stated I should see the miles post to my account by XXXX XXXX, XXXX In XXXX I secure messaged Citi and received a reply stating : " Our records confirm you met all the requirements for promotion code XXXX. 
The AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 days from the end of the statement period in which you completed all offer requirements. '' In XXXX I secure messaged Citi again the reply was " After further research we see you used a promotion code when the account was opened, however this promotion code was not sent to you by Citibank, regrettable you were not targeted for this promotion. '' I immediately appealed this citing verbal and written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

To date there has been no reply. 

Given that Citi representatives confirmed the promotional bonus and its terms with the opening of the account and both verbally and in writing in the ensuing months, Citi must honor the promotion which induced me to open the account. They have defrauded me of at least {$500.00} worth of frequent flier 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 10-01-2015 about Payday loan () with Enova International, Inc. (MD).
Issue: Charged fees or interest I didn't expect

Complaint: Hello CFPB, I will make this brief, and clear cut as possible. Sometime XX/XX/XXXX my family & I went homeless. We were living in a apartment we could no longer afford due mostly to low income, and lack of job opportunity. During such time my family & I lived in my mother 's XX/XX/XXXX XXXX Eclipse. Which of course is not comfortable for a family of XXXX adults. Some how we made it work. Spending most of our time at public libraries. Bathing at community gym showers, and eating out every night. Generally spending {$100.00} - {$200.00} a day on gas & food just so we could survive. During this time money obviously is running low & fast. I, without a job, managed to pull out a payday loan I knew I could n't afford at the time. The maximum amount I was allowed to withdraw was {$500.00} from CashNetUSA. The money was sent to my account over night, and I was able to feed my family for the week. In this time my brother & mother both worked. I however was & still am not working. Believe me, I am looking, and applying vigorously. Unfortunately, I 've not been selected by the establishments in question. As you can imagine I 'm expected to pay my debt back, and in a hurry because of the 12 % interest. Be mindful this was n't thee only payday loan I applied for. It is however thee only XXXX I received given the knowledge that I was without a job. Most loans will not relinquish funds without some guarantee that they will be compensated I have found. CashNet willing gave me the money with no insurance I would be able to pay them back. I do in fact plan on paying them, or at the very least reaching some sort of agreement where that can be actually possible. I 've made a attempt to arrange this said deal via email. It was denied, and I was sternly sent a billing statement claiming how much I owe. Which is, as of XX/XX/XXXX, {$900.00}. This amount of course is grossing everyday. As one can imagine I 'm feeling quite overwhelmed with this experience all together. Even though we 've managed to find a more affordable apartment, and our lives are slowly returning to it 's former state we still are in a financial danger zone just wishing for a chance to bring our heads above water for some air.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Statebridge Company (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To whom i t may c oncern : Statebridge Company made a major error on my account ( see attachment ). This error caused m y credit score  to plunge  XXXX  Points.  Statebridge cl aimed that I have been 60 day late when in fact I 've never been 60 days. I was 1 day late for the month o f  XX/XX/XXXX   because  XX/XX/XXXX  was on a Monday when we attempted to pay on Friday   XX/XX/XXXX .  They need to contact both major credit reporting agencies immediately and have this corrected. I 'm applying for a home loan and this bad information will cost me a ton as a result of interest rate or being disapproved. I 'll need to hear back them soon I will file a complaint with the OCC and the  Consumer Protection Bureau an d sue for any damages. -  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have a joint checking account with Chase bank. I noticed there was a quick pay of {$590.00} that was deducted from my account that I did not recognize.. My son who is on the account did not recognize it either. We contacted chase and was told the account may have been compromised and to close it and change all passwords with new account. They said they would investigate and credit account. They did credit account but a few weeks later we noticed the account had been debited again for the same amount. Upon calling Chase we were told that they found no fraud and the money was sent to someone in the same geographical areaXXXX I demanded more information on this person I did not know and was given an email address and last 4 digits of an account number that neither my son or myself recognized. Now we are told that there is nothing further they can do. CASE CLOSED!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I 've had an account on Coinbase / XXXX for about a year now. 83 days ago, they restricted access to my account. Locking in it XXXX Litecoin ( cryptocurrency ). 

I submitted a help ticket to Coinbase and XXXX immediately after receiving the notice. Its now been almost 3 months of back and forth emails ( mostly automated responses ), without any ability to tell me why my account is restricted. Responses can take typically more than a week to receive from them. It has been 2 weeks since the last response. I 'm not sure what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt down to XXXX $ and then they suddenly say I owe XXXX $ + dollars. I do not appreciate it and then just today I get a certified letter that says They will do legal actions on me by the XXXX which is crazy for the debt I do not owe at all. I think they are trying to purposely due it because I owe nothing and did not until they started this. They purposely edited it and said I owed XXXX $ + They now expect me to call telemarketers numbers that I do not trust and talk about my personal information and they call like XXXX times a day. Which is very harassment fully. I did nothing to generate the amount at all. No one but them did it. I owed nothing at all on the card and such. They make you call things that are not even related to the debt and you talk to some company who does not state their name. Just some untrustworthy call center and the first notice they put they gave me a CELL PHONE number which means it is a fake debt because I know I owe nothing in 100 % honesty.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I believe my case falls under the predatory practices by Navient along with the XXXX XXXX of XXXX. The XXXX XXXX was sued but I have not recieved anything about my account from the school. I have so many issues with both companies and am at my wits end on both. I attended XXXX between XXXX and XXXX with which I had to struggle to finish as I had XXXX within 8 weeks-one being my grandmother on XXXX and another being one of my brothers from a tragic death and to put my oldest son into the hospital for trying to XXXX after his uncle died. It was a miracle that I pushed myself through my XXXX to finish. I do not believe I was fully counseled when I first applied to XXXX and do not feel like I got the help needed when I finished. I took their word on job placement, tuition, use of my degree, and applying for aid. I found out only about in-state and out of state tuition prices when my son started to apply for colleges in XXXX. I was not counseled on taking a degree part time would cost more than a full time degree in less time. I took their word on everything as they were the experts and they would n't steer a student in the wrong direction. Needless to say, I did receive an XXXX and can not get a job with it at all in the XXXX area. I was without a job-except for a short time that I offered myself as a XXXX. I was not paid-in hind site I was used again. I finally gave up and decided to go out on my own and try to make it work as my own business. During all of this time, Navient kept putting me into forbearance. I was never counseled on any other payment options until recently. So it has come to the point that my degree that should have been approximately only {$20000.00} total at the time for an XXXX tuition has now ballooned over {$85000.00}. When I downloaded the form that lists all of my loans and disbursement dates, I found something else that completely stands out as something is wrong -- -all loans are approx {$3000.00} but there are three that I was charge approx {$10000.00}. I do not know if this is a screw-up in accounting and the school just took it anyway? It just stood out like a soar thumb. I do not know how to go about finding what the amounts directly went to. Even though I do not have anybody as a co-signer, I had to put references and now my mother is constantly inundated with phone calls about my loans. She is elderly and has nothing to do with this. I tried to remortgage my house to roll the loans into that payment with the equity I have built up, but I can not remortgage due to my credit with the student loans. HELP PLEASE! I do not know where to begin.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Debt collection (I do not know) with Fenton & McGarvey Law Firm, P.S.C. (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: My wages are being garnished for a debt that has expired statutory limits by a law firm that I have never heard of. Garnishment has never been filed with the XXXX Court as presented.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit card () with CITIBANK, N.A. (PA).
Issue: Other

Complaint: My credit union mailed XXXX checks to XXXX credit card agencies. XXXX to XXXX, and XXXX to Citi. The check mailed to XXXX cleared on XX/XX/XXXX. Citi is stating the check mailed to them has not posted yet. I suspect they are delaying posting my payment to accrue interest on my account. I contacted Citi, and they were of no 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 monetary relief
Consumer complaint received 01-12-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: Seek XXXX XXXX XXXX XXXX XXXX offered to get us credit cards under XXXX new companies with zero income. We were told they can get us credit cards with limits of {$150000.00} for each company. We were looking for funds to purchase a business. We moved forward with their service and they opened credit cards under my name close to {$120000.00} for these XXXX new companies. This was not enough to secure the amount to purchase the business and now they say we owe them {$12000.00} and sent us invoices.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problems caused by my funds being low

Complaint: I received inaccurate information from a Bank of Americarepresentative that caused me to be charged XXXX overdraftfees, totaling {$70.00}. On a previous phone call with a Bankof America Rep., they informed me that the bank would notcharge me any overdraft fees if a transaction ( i.e. payment to a merchant ) was in a processing status and I would only be charged if the transactionwent to a completed status and I did n't have enough money to cover thepayment. But, on XXXX/XXXX/2015 BOA charged me XXXX overdraft fees while thetransactions were still in a processing status. When I call to make thebank aware of the charge, the supervisor XXXX apologized for theinaccurate information I received but refused to refund the charges. 
Based on the information, I received from the bank, I was acting in in good faith and thought all my merchant payments would be cover. 
Therefore, I do n't believe I should be charge fees for the bank providingme with incorrect information. I have enclosed a copy of my bankstatement for your review. 

In closing, I would like to thank you in advance for your assistance in this mamatter.

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

Complaint: Equifax was incredibly careless with their sensitive customer data and now that they 've been hacked, some unknown group of criminals has access to my personal and private information. I was not even notified until I saw it on the news. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An unauthorized inquiry was placed on my Equifax credit file from XXXX XXXX XXXX on XXXX/XXXX/2015. On XXXX/XXXX/2015, I contacted the local XXXX XXXX. XXXX branch listed for the Equifax inquiry to let them know I did not authorize the inquiry and it was fraud. I sent an affidavit regarding the credit application to XXXX XXXX XXXX. The branch manager, XXXX, forwarded my affidavit to XXXX XXXX XXXX fraud department. The fraud department contacted Equifax requesting that they remove the inquiry. XXXX XXXX XXXX sent me a letter dated XXXX/XXXX/2015 stating they contacted all credit reporting bureaus to remove the inquiry. On XXXX/XXXX/2015, I initiated an online dispute with Equifax and faxed them a copy of the letter XXXX XXXX XXXX sent me because the inquiry was still listed on my credit file. Today, XXXX/XXXX/2015, I receive notice that they completed their investigation and the inquiry was a " factual record of file access '' and if I believe it was unauthorized to contact the creditor. I 've already done that and the creditor has already contacted Equifax to remove the inquiry. Equifax apparently is refusing to comply. I 've opened another dispute with Equifax , case number XXXX, regarding this matter. I 've attached the letter I received from XXXX XXXX XXXX, a copy of the fax I sent Equifax with case number XXXX and the results I received from Equifax for case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I am a 3rd party negotiator working on a short sale. I have submitted all requested documents and I have pursued responses from the servicer so that I present any deficient documents and keep the process advancing. This file has gone to 'to underwriting review ' five times. I want a complete and thorough review of the file so that the required valuation and ATP can be arranged as required by FHA/PFS guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (FHA mortgage) with NVR INC. (VA).
Issue: Closing on a mortgage

Complaint: I signed an agreement in  XX/XX/XXXX  to buy a  XXXX  home (  XXXX   XXXX   XXXX   XXXX  va  XXXX  ) Lot #  XXXX . Community name is  XXXX   XXXX . At that time they told me that the house will be completed by  XX/XX/XXXX , but it is still not completed as of today. Anyways meanwhile i started working with NVR mortgage for my loan approval and this is their own mortgage company. The loan  officer  send me an loan estimate on  XX/XX/XXXX . According to that my interest rate was 3.50 %, loan amount  XXXX , and cash to close was  XXXX . Then he sends another estimate and then finally on  XX/XX/XXXX  they send me a closing disclosure, according to which my interest rate has increased to 3.875 % and closing costs to {$12000.00} and loan amount remains at  XXXX . I tried to call the loan officer  XXXX   XXXX   XXXX  several times but he never answers the phone or calls back to clarify about the increase in interest lead that ultimately lead to an increase of {$35.00} in my monthly payment. In this whole process they approved my loan two times and pulled up my credit scores  XXXX  times because of their own mistake of delaying the house construction. Recently they scheduled my closing on  XX/XX/XXXX  which they again changed to  XX/XX/XXXX  and i am still not sure about that. I am very disappointed with he whole process. No one in the entire process from the project manager, loan officer to the settlement person knows that whats going on and what will be the right dates. I have saved all my communication and documents with them and i will attach the loan estimates and disclosure with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: While trying to obtain a mortgage, I discovered that my credit score had decreased from over 800 to less than 660. Upon further investigation, I was informed that a Discover Card was listed as delinquent on my account. The account, evidently, belonged to my former wife from whom I have been divorced for well over 3 years. She XXXX XXXX in XX/XX/2017. I have requested documentation showing proof I am the responsible party. I have spoken with Discover for several hours over more than 6 separate calls. They have supposedly closed the account and filed a claim that the account is fraudulent. They have not corrected the credit reporting and they are calling me about the collection of the account. I request that the reporting be updated immediately showing no delinquent activity and no responsibility for the account or I request proof that I signed as responsible for the account. This error is costing me thousands of dollars in finance charges because of the negative credit reporting. I have asked to pay the past due balance to help alleviate the issue of the negative reporting on my credit bureau account and Discover has stated on XX/XX/15 at XXXX XXXX via XXXX that I am not allowed to make a payment on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Experian refuses to provide proof as required to under FCRA. The claim they investigated but have not provided proof. 

accounts Account name XXXX XXXX Account number 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 01/13/2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The floor manager XXXX and XXXX call support staff on ( XXXX/XXXX/16 ) are XXXX stating that they are being given conflicting information by the XXXX XXXX XXXX XXXX because " XXXX XXXX will always show a record of the liens on my record '' while on the phone I placed a call to XXXX XXXX recording office and placed both XXXX and XXXX XXXX XXXX XXXX on the phone while having both XXXX then later XXXX to explain the " conflicting '' information. XXXX Experian employees where clearly told that because XXXX XXXX will forever show the liens it will also have a link that shows the liens where satisfied. Furthermore, XXXX XXXX was clear in stating to XXXX that Experian is the one that needs to vacate and remove these derogators from my credit report because they were satisfied and are no longer liabilities. XXXX refused to pass the call to a supervisor and when XXXX was finally placed on the line he refused to pass me to a manager to escalate this complaint so it can be removed immediately from my report. Also the letter received by the state of Oregon was not accepted as adequate information to remove the derogators from my credit report. Please help, it has been over 2 years fighting these derogators with no progress.

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