milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Citibank has offered a {$300.00} bonus for opening a new customer checking account. I accepted Citibanks offer and opened checking account ending in XXXX ( Citibanks letter signed by XXXX XXXX, Citibank Director of Client Care is attached ), made a required opening deposit and made preparations to fulfill banks requirements for the bonus. Imagine my astonishment and disappointment to find that Citibank Bank has decided to close in 30 days thus precluding me from receiving promised {$300.00} bonus. 

The bank has made a binding promise to credit a {$300.00} bonus upon opening of checking account and making arrangements to deposit {$15000.00} or more in new to Citibank funds into your new checking account or new or existing Citibank Savings Plus account ( a copy of the banks binding promise is attached ). I accepted banks offer by opening a required account and provided for a required opening deposit. Acceptance of banks offer represents an unilateral contract for breach of which law provides a remedy. I completed banks requirements necessary to qualify for the opening bonus but I was unable to receive the {$300.00} bonus because Citibank breached the contract by terminating my account without paying the promised bonus. Citibanks action of closing my account is a breach of contract and law affords remedy or a legal cause of action when a binding agreement ( or bargained-for exchange of consideration ) is not honored. While Citibank has a right to close account on its own accord at any time, the account closure does not excuse Citibank from paying {$300.00} bonus due under the contract.

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 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have NOW filed with your agency on the same issue since 2013 and recently again filed another complaint case # XXXX CFPB does NOT seem to know what they are doing. 

This complaint has been ongoing for over XXXX years and Wells Fargo is and has been fully aware of the issues as well as CFPB and yet you do NOTHING? delays wrong information still appearing on credit reports are still wrong so what are you doing?????????????????????? 

Lets NOT waste my time yours and the lying bank who tells me they have YOU AT CFPB by the hand and that is why is have done NOTHING 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 07-07-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Account opening, closing, or management

Complaint: The Honorable CFPB & FDIC RequestBRING THIS INFORMATION TO SPEAKER XXXX XXXX & XXXX. XXXX XXXX XXXX AND CHASE BANK OFFICIAL IN XXXX : I write in a escalated serious of Chase Bank required bring XXXX XXXX XXXX to Chase Bank - XXXX, XXXX OR XXXX OR OTHER LOCATION for getting assistance with opening new debit, credit card, checking account, help me install Chase Bank app on my mobile device with helping assistance me with XXXX and others, so I prefer male in highest position works with me in resolution problem so get me in Chase Bank immediate action without XXXX XXXX that I do not want see this person. Please remove CFPB papers from XXXX XXXX transfer to other male person can take handle CFPB immediate action. Let me know that Please XXXX XXXX, 2015 of Chase Bank male must pick up me bringing to Chase Bank immediate action today in formal requests. Please take making procession immediate action, Please bring a paid rent check bring to CFPB and FDIC must allow seeing what wrong with me on check image from XXXX XXXX XXXX. Response to me making let me know when and what time do Chase Bank arrange, please. Thank you for taking formal time! I ASKED CHASE BANK FROM OUT OF TOWN BRING ME TO OUT OF TOWN ASKED BY XXXX XXXX NOT XXXX XXXX OR LATE DATE. I DO NOT WANT TOO WAITING LONG FOR GETTING A NEW SERVICE SO I DID NOT GET {$750.00} CHECK CHECK FROM CHASE BANK! 

WHY NOT FORWARD TO PRINTED CHECK WITH SAD ICONS SEND TO SPEAKER XXXX XXXX AND XXXX. XXXX XXXX XXXX AND OTHERS. WHY I CAN NOT AFFORD HIRED ATTORNEY! I AM NOT HAPPY WITH XXXX XXXX XXXX AND CHASE BANK NEVER PICKING UP ME BRING ME TO OUT OF TOWN TO THEIR OFFICE!

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: The message said for me to file a mew report due to unable .Dont know why >???

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 04-05-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a complaint regarding items I disputed that does not belong to me. I thought according to law all credit bureaus investigate items on your credit that you are disputing the same. However, comparing my credit reports it shows different results. XXXX removed XXXX items that did not belong to me. But Experian stated, verified. How could that be? It seems that Experian waits and holds on to the dispute for 30 days w/o properly verifying and then after 30 days just say, it was verified w/o actually verifying. The following items is not mine listed below. 

XXXX ( XXXX ) XXXX XXXX ( XXXX ) I have attached a copy of my XXXX report, stating these XXXX items has been deleted. I would like Experian to follow suit and delete these XXXX items.I have attached the copy of my XXXX report so you can see the proof. 

Also, I have a letter from XXXX on XXXX credit items that is reporting negatively on my credit report and XXXX informed the credit bureau to REMOVE the account and failed to do so. I have attached a letter for that as well. 

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 non-monetary relief
Consumer complaint received 04/14/2016 about Debt collection (Non-federal student loan) with Selip & Stylianou, LLP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Selip & Stylianou firm continues to call and harass me with unwanted calls at all hours of the day and night demanding payment for student loan debts that NEVER EXISTED. I have no student loan debt of any kind past or present but the continue to call and demand payments. I have requested them to stop the unwanted calls but they have not complied 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 11/19/2016 about Debt collection (I do not know) with Ditech Financial LLC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeated phone calls from Ditech stating we need to contact them about a debt we owe. No one in our home has ever used Ditech or Green Tree and none of us have outstanding debts. I suspect they are using our information to try and find someone we 're related to, or an ex. Probably bought this debt from the last XXXX we reported for the same scam-type behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXXAlert Date : XXXX/XXXX/2015Source : EQUIFAXCompany : XXXX XXXXPayment Status : UNPAID ( UNPAID ) Status Date : XXXX/XXXX/2015Balance : $ XXXXXXXXBalance Date : N/AAddress : XXXX, WA XXXXXXXXThe information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 have a letter from XXXX stating they will contact you guys to remove item. items still exist on my credit report proof will be attached

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 02/25/2016 about Credit card () with PNC Bank N.A. (PA).
Issue: Billing disputes

Complaint: I purchased an item from XXXX XXXX XXXX. It was shipped by a third party shipper that was recommended by XXXX 's. When I received the item I tried to return it because it was damaged and not as described by XXXX 's. However, there was no damage to the packaging. The damage occurred at either XXXX 's or the shippers prior to shipping. At this point XXXX 's was unwilling to take the item back and tried to pass the blame to the shipper ( see " MyResponseToPNC.pdf '' ). I then contacted my credit card ( PNC ) companies dispute department and started a chargeback process on both the shipper and XXXX 's. After the chargeback process was started XXXX 's was then willing to accept the item back ( see " MyResponseToPNC.pdf '' ). However, at this time my credit card company ( PNC ) did not want me to ship the item back to XXXX 's even though they were willing to take the item back. The shipper after receiving the chargeback emailed me and stated there was no further payment due and the chargeback was accepted XXXX see " MyResponseToPNC.pdf '' ).. I then received a letter from the PNC credit card dispute department requesting immediate response to the response that XXXX 's ( see " MerchantResponse.pdf '' ) supplied to the chargeback. I furnished that information to the PNC dispute department outlining the multiple conflicts of fact and it is attached as " MyResponseToPNC.pdf ''. I did not receive any communication from the PNC dispute department regarding the chargeback to XXXX 's from the time that I submitted the " MyResponseToPNC.pdf '' on XX/XX/2016 until the rebill showed up on my credit card on XX/XX/2016. The occurrences that have transpired since XX/XX/2016 are outlined in the document " OccurrencesOfRebill.pdf ''. This clearly shows that PNC is at fault regarding this business transaction and have charged me for their error/s.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Auto) with Credit Management Control, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i disputed this debt on my credit report and this company validated debt. Original creditor advised that this would be removed and sent me a letter stating such. This company mailed me specific medical information about my medical treatment as well as a XXXX XXXX XXXX 's surgical information as well both in violation of HIPPA and State Privacy laws. And lastly, upon clearing up the matter with my doctor and insurance company, CMC INC validated the debt with XXXX and XXXX and continued to report erroneous information which prevented me from obtaining insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Federal Stafford Loan application was applied XX/XX/08. I applied to XXXX University in XXXX XXXX, NJ. I withdraw from the school and never applied the loan to anything.Come to find out when I applied for a mortgage I have this showing on my credit report.I have contacted the school and they said they could not help me with the situation. Seems i was placed in collections with XXXX ( XXXX ). 
I am looking to purchase a home and will not qualify based on this incorrect debt. 
Please review.

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 11/27/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Problem adding money

Complaint: transferred money to coinbase money on XXXX XXXX 2017,  XXXX sent the the screenshot, contacted customer service raised the case as well but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Auto) with Coastal Credit, LLC (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: My bank account was levied for an amount of money that I do not believe I owe, and I can not obtain a copy of the lawsuit or any proof as to why my account was levied.

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 02-05-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an account with XXXX XXXX. In XXXX 2014, the account was closed because I moved. Later, they sent me a refund check in the approximate amount of XXXX. I never heard from them after that. Recently, I received a collection notice from XXXX XXXX XXXX. I then contacted XXXX during the validation notice period and paid the account in full. I was told the account would NOT result in a negative entry on my credit report. Several weeks later, XXXX reported the collection account. I contacted them and explained that the account was paid, provided them with proof of payment, and was told the entry would be deleted. As a back up, I filed a dispute with Equifax , including the proof of payment with the dispute. Equifax said they verified that the entry was being reported correctly, in spite of proof of payment supplied to them. 
XXXX XXXX, XXXX, and Equifax are responsible for an entry on my credit report that has severely lowered my credit score. In spite of direct verified proof that the entry is inaccurate, and in spite of repeated attempts by me to resolve and remove the entry, they refuse to delete the inaccurate entry, and I have been damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I checked my credit report on XX/XX/XXXX, 2017 and discovered an error by a collection company named Amsher Collections. I contacted the company and was informed XXXX XXXX placed the account with this collection company and the account was then transferred to another collection company named XXXX XXXX XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX , XXXX XXXX XXXX , XXXX and spoke with XXXX XXXX, who was very rude and verbally abusive to me when I informed him that I never initiated an account with XXXX XXXX, nor have they ever provided cable services to me. Apparently this is a case of identity theft, but this employee was very unprofessional and refused to assist me in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX Bank and their second collection agency are in violation of the Fair Debt Collection act. The First collection agency assigned to XXXX XXXX was satisfied and paid in full. Now in XXXX XXXX Midland Credit Management became the owner of debt that has already been paid. I am tired of this nonsense, and so is my attorney and he knows California Law and that the debt can only be assigned once. Please help. XXXX Creditors have been notified to remove these items from my credit but to no avial, I keep getting the run around. I greatly appreciated your help! Thank you. I have disputed with all three credits bureaus and they still wont remove these debts that have been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (OH).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have a company-sponsored 401 ( k ) at Wells Fargo. Starting this year, Wells Fargo does not send paper statements. I never consented to receive electronic documents. ( I have never logged in to the Wells Fargo web site, so I never accepted any consent language associated with logging in. ) I called Wells Fargo. They said that I would have to call back every time I wanted a paper statement, even though they acknowledged that I have a right to receive paper statements.

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 11-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm trying to keep my home. Wells Fargo is planning on holding a sale while under review for mortgage assistance. My HUD counselor and myself have not been able to get WF to postpone the sale date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with Harpeth Financial Services, LLC (TN).
Issue: Charged fees or interest you didn't expect

Complaint: Sometime around the beginning of XX/XX/XXXX my billing cycle was changed without my permission in regards to my flex-loan with Advance Financial. They also attempted to withdrawl payments from my bank account ( XX/XX/XXXX ) after I had submitted in writing to revoke permission to withdrawl funds from my account ( XX/XX/XXXX ) because of the billing issues. I have had no true resolution on my account even after submitting a BBB complaint ( # XXXX ). I have spoken with both XXXX XXXX ( Customer Resolution ) and XXXX XXXX ( Manager ) and each time I only ask for my account to be updated and a correct statement sent to me so that I can make my payments. Each time I speak to XXXX XXXX he tells me that he is correcting the error and fix my statement. I have made it clear that I will not make further payments until all errors have been corrected and I am sent a correct and accurate statement. I am told that they will only correct the errors after I make a payment. I think this is an unreasonable request when the statement that I am paying is incorrect. I have been told that adjustments will be made and fees removed from my account only after I make a payment. I have also requested no phone contact via writing and am still receiving multiple calls daily and voicemails with no messages left on my cell phone. This is a direct violation of my FDCPA rights in regards to ceasing communication and harassment or abuse by causing a telephone to ring continuously with intent to annoy. I just want resolution and my account corrected. I have included copies of BBB Complaint, email communication, phone calls and request to stop payments.

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