milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: Citi Bank offered a public promotion for any City Gold Clients to earn XXXX award miles once they meet the requirements. Since, I have met the requirements, they have not yet honor my reward. Furthermore, they have been dragging out the process by extending the investigation from few days to 45 days now. Every time I called, the story becomes different. Citi bank is using deceptive marketing to win over clients on to their Gold account, which requires monthly fees or holding on to large amount of deposit.

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 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Sears sent me a letter on XXXX XXXX, XXXX stating that my existing Sears credit card would be " upgraded '' to a new Sears Mastercard issued by Citibank unless I contacted Sears to declince the offer. I think it is underhanded and an unethical approach because the onus is on the customer to decline the new credit card. I think there is a great possibility for customers to miss the decline date, misunderstand that they need to decline the offer or perhaps not even receive the letter through no fault of their own and then be saddled with a credit card that the customer did not request. In my opinion this approach is just short of what credit card companies have done in the past when they sent credit cards in mail without customer knowledge or acceptance. This tactic may be legal but the potential for issues to be created for the customer are significant and therefore I think that Sears should not be allowed to issue their credit cards in this manner. I declined per the instructions in the letter plus I sent Sears a letter informing them of my profound disappointment plus I felt it was important enough to bring this to light outside of their company and that is why I submitted this complaint.

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 03/22/2017 about Credit reporting () with Risecredit, LLC (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted a request for verification that I authorization this inquiry. I have not received a reply from the credit reporting agency nor the company who made the inquiry in the last 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX is my original debtor. The staff repeatedly failed to respond to my request to fix XXXX leaking ventilation systems, XXXX in each bedroom, flooding on the carpet as a result of the leaking, and resulting mold problem all over the XXXX bedroom walls. 

The flooding was so bad that we could n't walk in the rooms without shoes on. The area around the ventilators was all soaking in brown water, which was slowly draining to the rest of the rooms. This resulted in mold around the systems and on the walls. I have really bad pictures to show for this. 

The maintenance man came to the apartment once, cleaned the walls with bleach and promised to come back the following day to drain the clogged up system. Inside the ventilation was rotting cotton wool-like material floating in rusty, corroded water that was slowly draining all over the carpet. He never showed up again to do the followup cleaning. 

After a week or XXXX, the mold was back on. I wrote to the office informing them that the maintenance man did n't resolve the issue. Nobody responded to me. I later found out that this molding/flooding issue has been an ongoing problem at the XXXX XXXX apartments. 

Considering that the complex has a policy that does n't allow potential renters to survey the apartment prior to signing on, I had no ability to observe detectable problems prior to signing the lease. 

Compounding to my complaints was the fact that despite being assured that the building was smoke-free, nothing was done to address the fact that my upstairs neighbors were not only smoking out in the balcony but dropping their cigarette butts on my porch. 

Unfortunately my daughter and I suffered XXXX problems, more so my daughter who has been treated for XXXX issues. I could n't stay there any longer. This debt is completely out of the negligence of XXXX XXXX XXXX XXXX XXXX XXXX to maintain a habitable place for tenants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Constant calls at work even after they were told this is my work number and I am not allowed personal calls. told them they are only to contact me at my home number. Calls seem to be comming from XXXX as they all have an XXXX accent and are hard to understand. Ready to file a suit against them. Same company but different numbers when they call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2016 about Consumer Loan (Vehicle loan) with Experian Information Solutions Inc. (MO).
Issue: Shopping for a loan or lease

Complaint: I applied for credit with XXXX XXXX expecting them to run my credit with XXXX for financing. They initiated XXXX inquiries to obtain financing for the vehicle. This was not disclosed to me. It has damaged my credit for over a year now. Businesses should not be allowed to do this without first advising consumers what they are going to do and what the impact of that can be on them.

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 03/23/2015 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (IL).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom this may concern, I am writing you and filing an complaint against RoundPoint Mortgage regarding my property at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Il. XXXX there is a foreclosure sale date set for XX/XX/XXXX set to sell the home my husband, daughter and I currently reside in at XXXX cst I started sending documents to them in XX/XX/XXXX, well before the XXXX days prior to the sale of my home. I have dealt with XXXX other people regarding a loan modification at Round Point mortgage regarding this loan .I spoke to a XXXX XXXX who is no longer with RoundPoint Mortgage who assured me that once the paperwork went through, the sale would be postponed along with the underwriters. I have provided the proper documentation needed to do a loan modification, the hardship letters, the tax information, and bank statementsmedical statements and other personal documentation .I have sent missing documents when they were requested, and in the span of XXXX weeks left messages for someone to call me back to tell me if I was missing any other documents.i received no phone calls until I received a phone call on fri. XX/XX/XXXX from XXXX at RoundPoint mortgage and was told I had a lein against my property from my association that was back from XX/XX/XXXX which I did n't know that was on my property. I then got the information about the lein from the association that day and emailed the proper documents that said my lein was released on sat XX/XX/XXXX. I then got a copy of the release from the association and emailed those documents on XX/XX/XXXX. I also went to the recorder of deeds in XXXX XXXX and had the lein released today XX/XX/XXXX. I emailed this information to loss.mitigation @ roundpointmortgage where I have sent all other correspondence. I spoke to XXXX and he told me the documents were n't shown in the system yet, as it take XXXX hours to get into the system and to call back on weds XX/XX/XXXX which is clearly after the sale date. I have sent all the documents needed in the time frame I have been told that they were needed to be in to ask to stop the sherriff 's sale of my home. According to Roundpoint Mortgage, the paperwork was not received in the time frame they needed. I should then have been told on Friday that there was n't anything more that could be done to stop the sale of my home. I understand my loan was in default and I was trying to do everything in my power to remodify my loan but have been given a run around. I then spoke to a XXXX who is an underwriter at RoundPoint mortgage on the evening of XXXX who told me there was NOTHING that could be done to stop the sale. 



XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have advised the company that I 've never applied for a payday loan online. I barely no how to work the internet. Pursuant to the Fair Debt Collection Practices Act, XXXX : XXXX XXXX Sec XXXX ( b ) that your claim that I owe you money is disputed, and validation is requested.Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

XXXX inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian has an incorrect name on my report & records. My name is XXXX XXXX with no middle initial. They have it on there as XXXX XXXX XXXX ( which may belong to another XXXX XXXX in town ), and is not mine.

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 07/24/2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Transaction issue

Complaint: My credit card is current. It is significantly below the credit limit. Citibank declined my card for a {$360.00} purchase. I was embarrassed at the store and with the clerk. I had to return home to locate a different credit card and return to the store to complete the purchase. Citibank denied the card was declined. The representative was unable to help me other than deny they declined the purchase, which was a lie.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern : I am sending you this complaint in regards to the remaining inaccurate information that you continue to put on my credit file that is causing serious distress to my life. I have included attachments along with pictures. Please be aware that this is the final attempt of goodwill to resolve your mishandling. I will be forced to file yet another complaint with the FTC, contact my attorney general, and file a lawsuit. There are several individuals with my name XXXX XXXX but the inaccurate items listed in the letter and pictures isnt my account or inquiries.

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 01/18/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I defaulted on several credit lines with XXXX XXXX. They have then sold my debt to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX, and not sure for the third one. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX. have not provided me with any correspondence that the debts were transferred to another co. nor has the buyers of the debt informed me of such transfer. Instead a representative from XXXX XXXX XXXX, XXXX. contacted me on XX/XX/XXXX stating that she worked for the Litigation dept. We immediately demanded that a verbal cease and desist be placed on the account, but the Rep. stated that she did not have to abide by such request and refused to accept. I was outraged and shocked being that no notice had been previously given and the fact that a written cease and desist was sent in XX/XX/XXXX to all my creditors. When the cease and desist was sent in XX/XX/XXXX, I verbally communicated with all my creditors and offered 30 % to settle my accounts. This money came from my 401K, as I had no other means of meeting my responsibility. Since then I have settled wit.h XX/XX/XXXX, XXXX 's,  XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and personal loans. I never refused to pay my debt, but due to my hardship i am working with limited funds.PortfolioRecovery Associates did not provide me with all correct and rightful legal notices and correspondences, and/or acknowledging my hardship or attempted to work with me since i never refused to pay but nearly wanted to negotiate a settlement. The have shown very little integrity in the process as they contacted me from a litigation dept. and would not honor a verbal cease. Lastly they have now hired the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to tactfully force and scare me to pay. Portfolio Recovery Associates simply has shown that they do not care about following a lawful process and are willing to cut corners and threatened people and if they dont get what they want they send you to an attorney 's office!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6.  ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX, account number XXXX ; 8. ) XXXX XXXX account number XXXX ; 9. )  XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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 03/31/2017 about Credit card () with TD BANK US HOLDING COMPANY (NC).
Issue: Billing disputes

Complaint: I had a credit line with  XXXX   XXXX  that unfortunately slipped into collections in  XXXX . In late  XXXX , I was contacted by their collection agent,  XXXX   XXXX , about this debt. I agreed to settle my outstanding balance, and that payment was finalized in late  XXXX . Now,  XXXX   XXXX  refuses to update my account as paid on my credit report. They are still reporting to the credit bureaus that I owe them {$1800.00}, when in fact, I have settled this balance in full. I have even disputed this account with the credit bureaus, but  XXXX   XXXX  continues to tell the credit bureaus that I still owe them {$1800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As of XXXX XXXX XXXX I was notified, via news outlets and social media, that my personal information may have been compromised by a recent hacking of Equifax. Keep in mind, the compromising of this information has been known, by Equifax, since late XXXX XXXX. 

Seriously? 

Over a month to notify the public seems just a bit ... late? But, the best part. Equifax set up a website to check whether or not one 's information has been compromised. The only catch? You surrender all rights to bring legal action against the company ( Equifax ), if you want to know anything about your info being compromised. 

Great. 

So, obviously I surrender this privilege. I need to know XXXX. Remember this is pretty serious? What-a-ya know ... my information has been compromised. Awesome. Long story short, I still need to do ALL THE HEAVY LIFTING TO PROTECT MY INFORMATION. Filing fraud alerts, credit monitoring, credit freezing etc. Im beyond " happy '' to do this on my Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Debt collection (I do not know) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection agency, ERC, called me on XXXX XXXX, XXXX ( XXXX ) XXXX, and XXXX ( XXXX ). My husband and I have NO debt. On the XXXX they asked for a XXXX. I told them no such person lived here, to eliminate my phone #, and no never call again. 
They obviously did not remove my # since they kept calling me. In hindsight I should have asked who they were collecting for. I also requested an email confirmation from them, but was refused.They called again for the next two days ( I did not answer the phone ). But when they phoned again on the XXXX and asked for XXXX, I was irate, and told them the same as above. I 'm VERY concerned that I might be a victim of identity theft and that my credit will be adversely affected. 
The company is ERC ( Enhanced Recovery Co. ) and the number from which they called is XXXX. They have XXXX locations - XXXX in Florida and XXXX in Georgia. There are numerous complaints on the internet. In addition to XXXX, I am also notifying the Pennsylvania Attorney General 's office, ERC, XXXX XXXX, PA, and XXXX, XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2017 about Student loan (Private student loan) with HEARTLAND PAYMENT SYSTEMS INC (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: From XX/XX/XXXX -XX/XX/XXXX I attended XXXX XXXX XXXX University (XXXX). During my time at XXXX, I was extended private loans from the university that totaled $XXXX to help with my XXXX debt. I returned to XXXX through XXXX for XXXX XXXX.My first payment (following Grace) was due on XX/XX/XXXX, and I have diligently made monthly payments on my loan since then.While the loan has long been serviced by ECSI -- which was acquired by Heartland Payment Systems in XXXX  (XXXX).Recently, Heartland/ECSI updated their website and payment systems for all online payments. Previously under ECSI, all student loans payments could be made by making a "direct payment" from a checking or savings account without incurring a fee. I have elected to receive electronic correspondence from  Heartland/ECSI, so I would always make a payment after receiving an electronic notification of a bill.However, after recently Heartland/ECSI updated their website and payment system in XXXX/XXXX to expand the number of ways they can charge debtors service fees.Previously, debtors could make a one-time payment from a checking or savings account without incurring a fee. Now, Heartland/ECSI charges a $XXXX service fee to make a one-time payment from a checking or savings account (while strangely waving the fee if the payment is set to re-occurring).This seems to be an unfair manner in which to try and extract additional service fees from consumers.

Company response to consumer: Closed with explanation