milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citibank gold checking promotion that offered XXXX miles AAdvantage miles after meeting specific spend and bill pay requirements. After completing the requirements, I called Citi representative on XX/XX/XXXX to confirm that I had successfully completed the Citigold checking promotion. After checking that I achieved the conditions ( using Debit card for XXXX spend and pay two consecutive bills ), Citibank confirmed through phone that I had successfully completed the promotion and that the airline miles would be deposited into my account after 90 days from the date of completing the program 's requirements. More than 90 days past without having the promotional miles deposited into my account. I sent another secure message to Citibank and was then denied the promotion that I was originally approved. In addition to being denied the XXXX points, I was required to pay more than { {$90.00} } in account fees to keep the account open until the points had posted.

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 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ASSET MANAGEMENT OUTSOURCING, 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 reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating XXXX stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from XXXX XXXX themselves as my proof. I have done everything that is required by me and I expect XXXX XXXX XXXX to do so also.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: There is unauthorize hard inquiries on my credit report that I did n't consent to pull my credit 1.XXXX XXXX  .Dated XX/XX/XXXX 2.XXXX .Dated XX/XX/XXXX.3.XXXX XXXX.XX/XX/XXXX 4.XXXX  .XX/XX/XXXX ... 5.XXXX XXXX .Dated XX/XX/XXXX. 1.XXXX XXXX XXXX, Michigan XXXX 2.XXXX.XXXX XXXX, Texas.XXXX..3.XXXX XXXX XXXX XXXX XXXX.XXXX, Texas.XXXX ... 4.XXXX XXXX XXXX XXXX, Texas.XXXX. I have a XXXX XXXX XXXX vehicle I do n't need another car. I have XXXX kids and I am single Mom. All the hard inquiries are destroying my credit and scores and my chances in getting credit approval on new beds and baby crib for my XXXX child and my daughters that are under the age of XXXX years old..

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 10/30/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax has not noted to my credit file ( XXXX XXXX XXXX the creditor and dispute source ) that I have disputed this account as reported. Instead, Equifax says that it 'verified ' the account " as told by XXXX ''. My dispute has to do with the balance $ amount and my reason the account was not settled immediately. Equifax did not reflect on my credit report a dispute even after I provided to them my actual balance statement with XXXX posting errors and XXXX balance differences outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Medical debt) with Professional Adjustment Corp. of S.W. FL., Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Never been to the hospital, wrong person, not my acct

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: APR or interest rate

Complaint: I signed up for a promotional sales with Synchrony Financial through home design store with a credit limit of {$3000.00}. I went ahead and bought some furniture in the store in the amount of XXXX, I was asked if am going to do the two years promotional purchases they have i said yes, so they charged me additional {$300.00} which brought my total expense to XXXX with no interest if paid within two years. All of a sudden am being charged interest fee and additional late fee whereas I was informed neither of this will take place if the debt is paid within two years and if not I will be charged accrued interest from the time of purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: 4 ) Seterus inc acct # XXXX was never late! The XX/XX/XXXX payment received by Seterus on XX/XX/XXXX was not posted to account until XX/XX/XXXX. No payment was reflected has been paid for XX/XX/XXXX and XX/XX/XXXX but I have paid every month since the origination of loan. Seterus claim that my payment of {$960.00} ( for over a year ) was a partial payment due to an increase in my monthly escrow! They claim they sent me a letter but I never receive an analysis or oppurtunity to pay the shortage upfront according to Consumer finance regulatio 12CPR part 1024.17 ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Federal student loan) with Account Control Technology, Inc. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I was told by Account Control Technology, that they were contracted by XXXX XXXX XXXX to collect delinquent student loans. I was to pay XXXX for seven years and after that the rest of my student loan would be forgiven. They called it the forgiveness program. I 'm a XXXX Veteran and my wife and were trying to purchase a home, to discover the negative student loan on my credit report. I called the FSA they told me no money had been paid on my loan EVER! I 'm XXXX years old and I ca n't start over again. These people have robbed me of XXXX dollars that they deducted out of my account ( ACH ). Now I have no way of getting my money back, I ca n't afford an attorney and my wife and I may have to move because we are occupying the house we wished to purchase. The owners are wanting to sell ASAP. I 'm at a loss. Can you help 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 05-05-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (NY).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to provide a response to our QWR request ( Qualified Written Request ) or NOR- ( Notice of Error ) - this is a violation of  Reg X and RESPA guidelines - The lender has also initiated foreclosure within the early intervention period in violation of Regulation X, 12 C.F.R. 1024.41 ( f ) .

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (AR).
Issue: Managing the loan or lease

Complaint: NISSAN MOTOR ACCEPTANC creditor delinquent my account for not paying 2 Months. I set up a Auto Debit from my bank account and they had trouble in getting money from my account. They did not inform me via Email or Portal Mail about the late payment. When I checked my credit report I realized this and contacted them and paid the XXXX. They promised to remove the delinquent on my account in 7 days and this conversation happened in XXXX XXXX. Till now they did not do anything related to my delinquent and also the customer support people was very rude to me. Because of this delinquent my credit fell XXXX points. 

Also I spoke to them on XXXX XXXX and paid off the bill on the same day and again on XXXX XXXX they sent another delinquent notice to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with Credit Karma, Inc. (WY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I filled out a credit app for Credit Karma and it said my information is wrong and that SSN is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent 3 letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the credit reporting agency to dispute the following account : XXXX XXXX ( Tax lien ). This public record does not belong to me. It was my understanding that the credit bureaus are required to check items with the credit grantor reporting the information, and remove any information the credit grantor can not verify. It was my further understanding that the credit report bureaus must complete investigations within thirty days of receiving a letter. My credit report continues to have inaccurate items on 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 08-08-2016 about Debt collection (I do not know) with Receivable Solutions Specialist, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: account # XXXX I have contacted Receivable Solution account # XXXX. I have provided them my legal name and social ending in XXXX, birth date XXXX. They can not give me any more information due to fact that my social and birth date does not match, but this still show up on my XXXX credit report, debt does not belong to me. 

Phone # 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 08/14/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I made my mortgage payment and got a confirmation number. Later, RCS informed by letter that I was late. When I called the company, they found that a number was missing. After talking to several people, I was informed there will be a XXXX dollar late fee, plus XXXX dollar to pay by phone. I do not believe I should have received a late charge since the company could see that a number was missing, I had payed on time and never was late. I received a confirmation number. I feel cheated, and helpless because there is no effective remedy to complain about this horrible mortgage company that is allowed to continue its abusive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have been trying to access my account online but all I get is a notice that capital one is preventing me from having access to my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Debt collection (Other debt) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Debt collection Issue : Took or threatened to take negative or legal action The delay in resolving this matter is costing me money {$550.00} to date.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I had rented a safe deposit box since XX/XX/XXXX.The rental fees were paid always before the due dates. 
XX/XX/XXXX - I received a notice dated XX/XX/XXXX from Bank of American : notified me that my safe deposit box was forced open by drilling the lock due to no receipt of requested renter ( s ) information. 
XX/XX/XXXX & XX/XX/XXXX I took my time off from work to meet with BoA representative to handle the issue. I was forced to make payment {$150.00} for the drilling fee in order to submit the request to get back my contents of the box.. 
XX/XX/XXXX I found there were missing documents, a broken jewelry and a XXXX-gram gold plate during the safe deposit box contents check. After that, I had to take back the contents immediately although the safe deposit box fee had been paid for the period until XX/XX/XXXX. I was getting the risk to transport the contents to my home. 
XX/XX/XXXX I mailed a Customer Loss Claim information to BoA 's representative. 
XX/XX/XXXX I emailed the BoA 's representative to follow up the loss claim form receipt. 
XX/XX/XXXX I mailed the Customer Loss Claim and the email copy by certified mail to the the BoA 's representative, trying to confirm receipt of the claim. 
XX/XX/XXXX I received a call from the BoA 's representative informing me that the claim information was forwarded to an investigation unit which will contact me directly. 
XX/XX/XXXX I received a denial letter dated XX/XX/XXXX. 
From the above experience, I believe the bank treat me very unfairly and I do n't think it is safe when you put your important stuff in a bank 's " safe deposit '' box. 
1 ) I do n't understand why Bank of American just sent me A REGULAR letter before forcing to open the box. 
2 ) Why Bank of American opened the box without informing the customer who was paying the fee in time, never delay. 
3 ) Forcing customer to pay the drilling fee without good reason. 
4 ) During the whole period of time above, the Bank of American representatives did n't apologize or thank for anything to me. I do n't think they were doing their job professionally!!

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 07-11-2017 about Debt collection (Other debt) with Conn's, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Approximately 4 months ago I settled a debt with Conn 's Appliances , Inc. through the collection company for which they referred my deliquent account to XXXX XXXX XXXX XXXX. The balance due was {$2000.00}. I contacted XXXX XXXX XXXX and stated to them that I was rebuilding my credit and I would like to settle the outstanding balance. We negotiated and agreed upon a favorable amount of {$980.00}. I received a letter from XXXX XXXX stating their client Conn 's Appliances , Inc.,  authorized to proceed with the settlement offer. I provided XXXX XXXX XXXX a posted dated draft from my checking account which authorized the payment draft for XXXX/XXXX/XXXX. I received a letter from XXXX XXXX XXXX dated XX/XX/2017 they received the payment and posted the payment to my Conn 's Appliance Account. I have reviewed my credit reports from all three bureaus and see where Conn 's Applicance is providing falsified inaccurate information on my credit reports stating I have a remaining owed balance of {$990.00} that is delinquent. I written all three credit bureaus with supporting documentation of agreement and cancelled draft/check that shows this is now a settled debt. All three bureaus are telling my that Conn 's Applicance is stating I owe this amount and the account is still open. This is not fair nor is this in compliance of the FTCA.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (TN).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I received a call at XXXX from Navient . I had just fallen asleep from working XXXX once the operator on the phone stated they were from Navient and this call will be recorded I hung up b/c of the time and knowing they are not even supposed to call this early.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Mortgage (Conventional home mortgage) with FIRST REPUBLIC BANK (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: during our divorce, I was deeded off ownership of the family home. My ex husband owns the property as sole and separate property. I have no ownership interest in this property. This was 2 years ago and the bank still has me on as an owner and refuses to change this despite me sending several written requests during the past 2 years. Now the property has had several late payments and because my ex husband has not been able to make the payments. The bank is reporting this to my credit score which in return makes me unable to get a loan. My credit is otherwise very good, but the negative credit reporting by First Republic Bank has made it very difficult to improve my credit score. I have written to the bank and spoken with them on several occasions however they will still not take me off of the loan even though I haven't owned the property since XX/XX/2014. The amount still left on the mortgage is {$560000.00}.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been trying to lower my monthly payments for years and they kept giving me the runaround and nothing ever changed. I had to take off my automatic payments because my interest was so high. Ever since then they keep billing me every couple of weeks wanting me to pay again. I simply just wanted to pay my loans off at an affordable rate. I currently do n't make enough money to pay what they expect and yet my plan has remained the same. They say they are here to help but they are just sucking more money out of us and punishing us for getting a college degree.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I went online from a borrowed computer to request my credit report from all three credit agencies and have yet to recieve them. I was advised it could not be done online and I would receive them via mail. I do not have regular access to a computer and wanted hard copies sent to me. In order to view and correct issues. It was vital that I receive them in preparation for court.

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This comaplaint is for XXXX for the XXXX XXXX XXXX credit card. My credit card was used without my consent on XXXX XXXX, 2017. There were two charges made. One charge was was at XXXX XXXX XXXX for {$47.00} and another at XXXX for {$440.00} in XXXX. I do not live or have visited XXXX. I did n't notice these charges on my account until XXXX XXXX. I immediately reported the fradulent charges on my account and asked to be sent a new card. My balance on the account before the fradulent charges was {$490.00}. My main problem right now is that XXXX closed my account with the balance of {$990.00} and reported it to the credit agencies. My credit report currenly shows that I have a closed account with this high balance. It is affecting my credit score in a very negative way. I understand that XXXX needs 10 to 14 days to complete an investigation, but there is no reason why my credit score needs to hurt in the process. I have never been late on any of my payments. I have been a good customer. This protocol they have taken is not right. Why should my credit score hurt while they do their investigation. They should have never closed the account with such a high balance, specially when part of the balance was not even authorized by me. In the past, when I had a fradulent charge on another account it was not handled this way. The account was n't closed and reported to the credit agencies with the fradulent charges. They simply just send me a new card, and an affidavit to sign, where I stated that the charge was not authorized by me. As of now there is one XXXX XXXX account showing a balance of {$940.00} and another one of {$47.00}.

Company response to consumer: Closed with explanation