milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold Checking account in XXXX 2016 under a targeted promotion coded XXXX that was sent to me through email correspondence. The promotion awarded XXXX Thank You points for the completion of : Opening a new regular checking account in the Citigold Account package and enroll it in Citi XXXX XXXX XXXX XXXX Rewards by XXXX XXXX, 2016. 
In addition within 60 days of account opening, perform XXXX electronic bill payment through various Citibank 's payment systems each month and continue for two consecutive months. 

The account allowed credit card funding at the time and I asked to be sent a form to process the initial account funding with credit card as my husband did a month prior. I sent in the credit card funding form twice with no confirmation or processing of the funds. I called and also online chatted with Citi Representatives as to when my credit card would be processed. After multiple attempts to fund from mailed in forms and over the phone interactions I was finally told that credit card funding was no longer allowed. It was now XXXX 2016 and after enrolling in the CitiXXXX XXXX program I had n't been able to complete the other requirements of the promotion ( bill pay ) due to not having the account funded. I spoke to a representative about this dilemma and they stated that if I made bill payments in the next two months I would still receive the promotional points due to policy changes on Citi 's end that I had no power over, even though those bill payments would be outside the XXXX window requirement. I made those bill payments on XXXX and XXXX, after having opened the CitiGold account before XXXX XXXX, 2016, completing all requirements for the promotion. After waiting 90 days for the points to post to my account I escalated this issue to a Citi manager and executive department because the entire reason I opened this account in the first place was due to this targeted promotion and the reputation behind CitiGolds accounts. The Citi representatives keep saying that they will not award the points because I made the bill payments outside the promotional 60 day window, even though I received explicit confirmation that I would still be eligible due to faults on Citis end. Citi has saved/archived chat conversations and secure messages from my account that will verify that an agreement was reached for me to obtain this promotional offer. I am requesting Citi abide by their promotion and reach the resolution of awarding XXXX XXXX Points to my checking account.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: There are 2 complaints. 
Complaint 1 : I have XXXX students loans with Navient. When I make additional payments to try and pay the loans off faster, they 1st apply the payment to interest rather than principal as I hoped and then restructure the monthly payment rather than keep it. So not only am I not reducing the principal, I end up paying more in interest. Since I am trying to pay off the higher interest rate loans 1st, this defeats the purpose. 
Complaint 2 : When I applied for automatic deduction of my loan payment, I was told I would get a discount on my interest rate. It was granted and then several months later they retracted it saying I was late. When I called concerning this, the rep said he could n't understand as I was never late. Come to find out, because I had a 3 month deferral ( which was before I applied for the automatic payment ), they then claimed I should not have been granted the discount. Why when I did not apply for the auto deduct payment until after the deferral which was when they gave me the notification that I was eligible for the discount. They not only increased the loan rate, they also charged me back the interest. Also, at no time was I told that a deferral would change my status to being late or behind.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Delinquent account

Complaint: above points are not applicable. 
Bk. of America issued me a new CC because my No. was misused. 
I had for years " minimum automatic payment " set up. 
When the next payment was due, I did nothing because I trusted the min. autom. payment agreement with BoA. The following month I did the same. 
The total amount was just arround {$20.00} which is the " min. payment amount ". 
The result of this was : BoA reported me for not paying my CC. 
When I complained, they told me : " By law they are obliged to report me etc.. And itwas all my fault etc.. IT WAS MY DUTY TO RENEW THE MIN. AUTOM. PAYMENTWHEN MY CC WAS REPLACED "! 
I assumed of course that it automaticly continues as everything else in my CC contract. 
All my complaints were to no prevail. 
This happened about 2 years ago and my otherwise impeccable Creditreport is stilltarnished today!!! 
I only found out today about your CFPB. This is why I am contacting you so late. 
But I really think that BoA needs to be punished for this! 

Thank you for your time and attention. 
XXXX tel. XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XX/XX/XXXXInquiry - I wrote this company advising them I never applied for credit and never received a response back XXXX XXXX XXXX XXXX XX/XX/XXXX inquiry- I wrote this company advising them I never applied for credit and never received a response XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company advising that I never applied for credit and never heard anything back.
TD BANK USA/TARGET C XX/XX/XXXX- inquiry, Target advised me they would send a letter to the credit bureau to remove and has not been completed.
XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.
XXXX XXXX XXXX XXXX XX/XX/XXXX I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have previously submitted a certified letter on XXXX XXXX XXXX and XXXX XXXX XXXX which was received and signed for requesting that a dispute be initiated for a XXXX account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is incomplete and inaccurate. The following is a list of incomplete inaccurate or information contained in XXXX account XXXX 1. Balance amount due is XXXX, and charge off amount is XXXX Account reports no payment history in prior to XXXX 2. Payment history reflects paid in XXXX XXXX however first delinquency reported as XXXX XXXX in account notes. 
3. First major delinquency reported as XXXX however payment history reports charge off in prior months begging in XXXX XXXX. 
4. No payment history prior to XXXX however account was open in 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 10/20/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: It did not allow me to check everything they did wrong. However I will start by saying Commonwealth Financial Systems is a pathetic excuse for a company. The employees that represent this company are the most ignorant and hateful beings I have ever had the displeasure of speaking with! I was appalled by the lack of professionalism they presented. I was not told of the so called " Mini Miranda '' notice at the beginning of my call when I spoke to a Specific representative this rep was XXXX of the worst and I have her name and reported her which did no good I am sure. Aside from all that when speaking with this specific rep I was so hurt and disgusted by her attitude I asked to be transferred to a manager high than her she REFUSED! stating that she will take care of me I asked multiple times to be transferred she refused every time finally I hung up and just asked to be transferred to someone besides her. On another note I do not owe this debt I have received absolutely nothing in the mail prior to it being sent to collections and the debt is from 2009 in my state of KY the statute of limitations has expired yet they continue to bother me. I also asked for an itemized bill because I wanted validation of the debt before I even think to pay a penny. They " requested '' it over a month ago and still nothing has been sent to me. I have never in my life been so mistreated by any company! It is my understanding that if you represent a company one would think there would be at least a small amount of respect exchanged by the employees to the consumer. I received nothing but unanswered questions hateful and insulting behavior from the representatives and a clear understanding of who not to be as a human being. I would never speak to any individual or treat any XXXX as they have treated me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I received a XXXX credit card from XXXX XXXX around the end of XX/XX/XXXX that I had never applied for. The same day I received a letter in the mail saying there had been an unauthorized purchase on that credit card. Since I had never applied for a XXXX credit card I called XXXX XXXX. I was alarmed when an automated voice asked for the card # and my social. I did not want to give that information over the phone. I thought both were fraudulent and so I shredded them. On XX/XX/XXXX I received an unauthorized purchase in the mail from XXXX and when I checked online it was from an XXXX credit card from XXXX XXXX that I had never applied for. When I called XXXX I was placed on hold and the call was disconnected. I called back and they eventually connected me with XXXX XXXX. XXXX XXXX asked for the card number and I told them I did n't have it because I had never applied for the card and had never even received a physical card. They then put me on hold and the call was disconnected. 
My complaint is that XXXX XXXX is opening credit cards in my name. I am worried that they may open an account to XXXX, XXXX or any other store where I shop without my approval. I have excellent credit, I use several personal credit cards of my choice and do not want to have any additional credit cards.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX, I disputed inquiries that are on my credit report for XX/XX/XXXX and XX/XX/XXXX from Credit Plus. 
Credit Pluss response follows : Thank you so much for contacting Credit Plus. We are reaching out to the mortgage company, XXXX XXXX XXXX to provide Permissible Purpose per Fair Credit Reporting Act Standards for making the credit inquiry, and will be sending all correspondence to you via postal mail Fair Credit Reporting Act ( FCRA ) defines the term " permissible purpose '' is defined as a reason that a consumer reporting agency may furnish a consumer report to any person or organization. Unless the purpose for furnishing the report is listed as a permissible purpose, it can not be provided without the individual consumers express consent. 

B. Users Must Provide Certifications Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. 

Reiterating : unless the person has certified to the CRA the permissible purpose ( s )  for which the report is being obtained B. Users Must Provide Certifications Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose.

My questions ; Is Credit Plus claiming to be a Consumer Reporting Agency? 
WHY DOESNT CREDIT PLUS HAVE THE REQUIRED DOCUMENTATION? 

Here is the problem and a potentially big one. Why would Credit Plus need to reach out to XXXX XXXX XXXX for copies of A PERMISSIBLE PURPOSE document ( written/signed authorization from me )? 
Credit Plus claims they followed the law under 15 U.S. Code 1681b - Permissible purposes of consumer reports. But under that law it states very clearly for the extension of credit, they must have my written permission. 
" in accordance with your written instructions '' It seems Credit Plus has a policy that is reckless and violates the FCRA. Upon speaking with a Credit Plus supervisor " XXXX '' admitted they provide individual credit reports to creditors on a good faith bases. That is insane particularly in todays world. It means that any business employee can contact Credit Plus for any individuals credit report. 

Remove the inquiries from my credit report immediately by Monday XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Debt collection (I do not know) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I deny this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge and have no contractual agreement with Afni

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (I do not know) with GAMACHE & MYERS, PC (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have made every payment and am ahead one payment but XXXX Myers, P.C have added XXXX derogatory items on on my report. I have made the payments cia money orders and have receipts to show it. The XXXX derogatory items should not be on my report. 
Also the settlement amount is {$2100.00} and they have the amount of {$4200.00} on my report. I have documentation to prove that via court records. I also have receipts for all payments made and as i stated above i am one payment ahead on this and have receipts to show for 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 01/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Kross, Lieberman & Stone, Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid I 've XXXX dollars and was told my puppy had a 99 % survival rate if I kept her there .. puppy had a turn for the worse I was never contacted when puppy passed I have called multiple time in attempt to speek to dr which I was told would be be only one to adjust fees never revived a call my puppy 's dead. It 's was held XXXX for over 30 days I was told XXXX dollars was the balance then collections is going for over XXXX XXXX the 99 % survival rate is why I kept her there I was told she should make it isf I left her ... again dr never called. It sure if any in my messages were relayed to him but I did pay I 've XXXX to this place. And the collection amount is incorrect and dr never called to discuss further amounts since the puppy did not live with his garunte of 99 % survival had I been told XXXX I would have taken her home just like I told them

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (NJ).
Issue: Trouble during payment process

Complaint: Closed on a mortgage with XXXX XXXX and the servicing was immediately sold to Dovenmuehle Mortgage in XX/XX/XXXX. We received 1 mortgage statement on this loan and have yet to receive another one. We started calling Dovenmuehle in XX/XX/XXXX to see what was happening and were assured that statements had gone out but we never received them. Called again in XXXX and was told the same thing. We went online at the end of XXXX and requested to receive e-statements since we were not receiving them via USPS. Once the e-statement was published, we realized that Dovenmuehle Mortgage had changed the zip code in our address by one digit and that was causing the mailing address to be in a different town and a different state! We attempted to call Dovenmuehle to have this corrected and we were instructed to send an email. After a couple of weeks, we received a response saying that an email was unacceptable and they needed a signed letter. We responded and asked them to please review the documents that we signed at closing - our property address and mailing address were and always have been the same. We received a message on line after 2 weeks saying that the address was corrected but the message was addressed to someone else, not our names. To date, we have yet to receive one piece of mail from Dovenmuehle Mortgage. We logged into our online account with Dovenmuehle today and discovered that they had put lender  hazard insurance in the amount of {$7900.00} on the account!!! We do not have an escrow account with this loan and we do have hazard insurance in place. Apparently, they sent a notice to the incorrect mailing address that we have been attempting to correct for proof that the hazard insurance had been renewed in XXXX and when they did not receive a response, they forced a policy on the property. We spent quite a bit of time on the phone trying to even figure this out. Considering that we have been calling Dovenmuehle and emailing and sending messages through the website, the customer service level has been absolutely awful!! Our insurance agent is contacting Dovenmuehle to get them the insurance policy but the way we have been treated by Dovenmuehle is abominable and the incompetence that seems to run rampant throughout their organization is frightening. We do n't know who to turn to for assistance since we can not seem to get any answers from Dovenmuehle Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (VA).
Issue: Account opening, closing, or management

Complaint: After poor customer service, I closed my account with First National Bank ( XXXX XXXX XXXX, XXXX MD XXXX ) on XXXX XXXX. I have maintained a generous balance of more than {$20000.00} and have never had an overdraft charge. 

I instructed the teller to wire the entire balance ( less the wire transfer fee ) to my account with XXXX XXXX. I was informed that afternoon that the process had been completed and my account was closed. Several days later the bank contacted me and informed me that the teller had specified a wire amount that was XXXX cents too high. I confirmed that my account had been closed that I intended for the entire balance of the account to be transferred to XXXX XXXX I authorized them to correct the wire amount. 

I subsequently received a series of notices that my account ( which no longer exists ) was in overdraft status. On XXXX XXXX they assessed a charge of {$12.00} ; on XXXX XXXX they assessed an additional {$12.00} and on XXXX XXXX an additional {$12.00}. I have no business relationship with this bank ; these charges are baseless. I would appreciate your help in stopping this harassment. I have transferred all of my financial activities to XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Credit card account does not belong to me from XXXX XXXX, I want to remove this account from my credit report. It is showing up on my XXXX  and Transunion 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 07/29/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My XXXX lien holder gave me a short sale approval on XXXX XXXX, 2015 and to this date The XXXX lien holder, Wells Fargo Home Equity has seemingly because of their written off status been delaying providing their short sale approval to the detriment of my approved short sale status. The XXXX lien holder has given us XXXX short sale extensions and I am afraid they will now resume their Foreclosure as they do not believe Wells Fargo will ever provide an approval. 
Wells Fargo also, even after numerous communication with their customer service department, has been incorrectly sending my private banking correspondence to a Texas address and changed my number to a Texas number in their system so I do n't receive any notices. 
This is so unfair considering my primary lien holder advised me to do a short sale and already granted me short sale approval and now that this XXXX lien holder has stalled the closing I am about to lose even my relocation funds and my home.

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