milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Citibank is testing my patience and I 'm getting tired of it. 
I applied this checking account ( # XXXX ) by XX/XX/XXXX under the {$400.00} bonus checking promotion and completed all the requirements on XX/XX/XXXX. On XX/XX/XXXX I sent an online secure message to verify my qualification of this promo. I got an email response ( Letter ID # XXXX ) on XX/XX/XXXX confirmed that my account has met the necessary requirements to qualify for Promotion XXXX, and I should receive my incentive 90 days from the date of the qualifying transactions. 
On XX/XX/XXXX, since it has already been 90 days but I still have n't see the bonus been posted yet, I 've send another inquiry via the secured message. The Online Client Services rep XXXX XXXX responded that the bonus shall be credited no later than XX/XX/XXXX. But that never happened. On XX/XX/XXXX I send another message regarding the promotion and got a very equivocal response from rep XXXX XXXX XXXX, which makes me started feeling suspicious. 
So I called Citibank on XX/XX/XXXX, the telephone rep XXXX promised me the bonus will be deposit within 2 days, and also provided me a confirmation # XXXX. Once again, that never happened. 
After XXXX messages, XXXX phone calls and nearly a month past the deadline, that 's when I know that all the Citibank reps was just prevaricating me, making up random dates and making me false promises. This is very irresponsible and unprofessional. Citibank is testing my patience and I 'm getting tired of it. They need to stop lying to their customers and started telling the truth.

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 06/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was bought out by Seterus and they underestimated my escrow ( taxes and home owners insurance ) and sent me a bill each month for 9 months for the underestimated amount. Finally, they sent me a letter telling me that I had to pay {$2000.00} to bring it current. 
I refused and paid {$220.00} then {$100.00} or more per month. And now I believe my balance is only {$48.00}. But they claim that it is more and are threatening me with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NE).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX XXXX is not working with me to set me up on a payment plan that I can afford, and is now taking me to collections for an amount well above what I actually owe. XXXX XXXX  has straight up told me on several phone calls over the last 3 years that they do not offer payment plans and I just need to pay them what they say. Over the last year I have not received one phone call, email, or letter asking for a payment or to help with a payment plan until I got a letter saying in in collections for {$20000.00} when my loan amount was {$13000.00}. It is unfair and unreasonable for them to set a blind number and expect someone to pay it and refuse any other type of plan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016, I sent in a monthly mortgage payment of XXXX. XXXX. I also sent a letter stating why I was sending additional funds over my normal monthly payment amount of {$600.00}. I stated in my letter that I was sending in a payment of {$620.00} and {$600.00} should be taken out for the month of XXXX 2016 payment leaving {$15.00}. However, addition payments will be sent for the months of XXXX and XXXX in the amount of {$1200.00}. Combining my {$15.00} previous payment with this latter payment will total {$1200.00} and this amount is to be applied for following two months of XXXX and XXXX. Therefore, I will not need to send another payment in until XXXX 2016. On XXXX XXXX, 2016, I sent in the funds of {$1200.00} with another letter reiterating my previous instructions : My name is XXXX XXXX and I sent in a payment of {$620.00} for XXXX 's mortgage payment. {$600.00} should be taken out for the month of XXXX 2016 payment leaving {$14.00}. However, this is a check for the next XXXX mortgage payments of XXXX and XXXX in the amount of {$1200.00}. Combining my {$15.00} previous payment with this latter payment will total {$1200.00} and this amount is to be applied for following two months of XXXX and XXXX. Therefore, I will not need to send another payment in until XXXX 2016. If there are any questions I can be contacted at XXXX. 

My XXXX mortgage payment was paid out the {$1200.00} check I sent in, but I am having a very difficult time getting the XXXX payment applied to my mortgage monthly payment. When I initially spoke to customer service at the beginning of XXXX, I was told it would take XXXX to 7 business days to get the funds reallocated to my XXXX payment. Now XXXX XXXX, the funds have not been applied to my XXXX 2016 payment and it has been over 30 days since I requested it. I need this situation resolves immediately because my XXXX mortgage payment will be due in XXXX days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 send this credit bureau several letters and filed over several complaints that has been ignored over and again about them reporting addresses that I requested that they remove and are not accurate due to fraud and other reasons I ask that they remove any and all address reporting on my credit report for this is my second request of this where i send in proof with a copy of my paycheck stub and update it with my address that is listed on my current drivers license that I have attached also I have disputed for several inquiries that are showing on my credit file that they maintain under my social security number. I am aware that under XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX ), they maybe liable for willful non-compliance. The inquiries are still on my credit report and I have also send a letter to the creditors reporting these inquiries and the credit bureau has refused to remove these. 

1. XXXX XXXX XXXX XXXX-XX/XX/XXXX 2. XXXX-XX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX -XX/XX/XXXX The above noted allegations of inquiry is one that LACKS demonstrated evidence of physically verifiable proof of Permissible Purpose or PROOF of Metro 2 COMPLIANCE, as REQUIRED! As such, I am in my consumer rights to demand and compel you to DELETE IMMEDIATELY! The above listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons to include but not necessarily limited to at least that The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT PROVEN of MY RESPONSIBILITY, or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. I demanded that the credit bureau Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!! But they refused as I have made contact with the creditors as well as they informed me to contact the credit bureaus In which they are the only credit bureau reporting these inquiries and refuse to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This company began trying to collect on this debt in XXXX 2015. Fortunately, this company is not licensed or bonded in the state of Texas to collect a debt. By law, they are to remove this debt from our credit 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 04/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX you do not address any of the other issues as online access. As well I am happy to print out copies of phone calls to show you how many times I have called XXXX as well we can set up a meeting so I can play you every recording of voicemails to XXXX and any voicemails he left me. The vagueness of your responses is ridiculous. The other item is who is doing your loan Mods and decided I had I had excessive obligations. That is funny because I do have XXXX to pay and I do not agree with all of so called fees you are trying to charge on top of that. As soon as I was going to pay your Reinstatement and I told you in writing I appealed my loan mod denial on XXXX/XXXX/16 I received on XXXX/XXXX/16 that my paperwork was received. Instead of letting me reinstate by XX/XX/XXXX BSI violated CHBOR by dual tracking and not looking and sending out anything on my appeal. I sent my appeal within 27 days and BSI never sent out anything on denying my appeal or having someone else look at it or requesting any other info. XXXX XXXX also have email I sent him on XXXX/XXXX/16 requesting that I was appealing as well as voicemail that day. Instead you had a company and use incorrect information violated CA laws of dual tracking and filed an NOD on XXXX/XXXX/16 which I was notified about on XXXX/XXXX/16. I will be paying what is owed on back payments of mortgage but I will not be paying your fees that you are trying to charge. Nor can you foreclose due to your fees which I am disputing in the excess of XXXX!!! I will take that to court and as I stated have a lawyer and all the proof I need on these violations so BSI will be paying for their violations as well as your XXXX falsely trying to foreclose on CA homes and then flipping houses is entirely unethical and will be proven

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SD).
Issue: Problem with fraud alerts or security freezes

Complaint: Credit freezes should be free and easily used via the internet or an automated telephone line.
If I can transfer money via bank accounts using the telephone and internet, I should be able to freeze and thaw my credit the same way.
The recent hack of Equifax and subsequent bad behavior by other credit reporting agencies shows that government oversight of this area is necessary immediately. I should have more control over my data on these services that are an important part of modern life. I must have the ability to freeze and thaw my credit at will, without paying a fee each time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 I never gave my permission to this company to check my XXXX XXXX and they did Hard inquiries Institution Information Ally Finan I XXXX, MN 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 04/24/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to AnnualCreditReport.com to obtain copies of my credit report from the XXXX credit reporting companies. I logged in and then answered questions to receive the PDF copies online. The system then logged me out a few minutes later and did not allow me to print my reports. I tried to get back into the system and it stated I had already been serviced and to come back next year. Submitted complaint got form letter of " regret '' back in mail. Did not address the issue or resolve the complaint. In the letter and website, they do not provide a number to call or other access ; just return P.O. address. At a minimum, they should mail me my XXXX credit reports as they know from their system I was not able to access or print them despite providing all of my personal information and answering all of the security questions satisfactorily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (GA).
Issue: Fraud or scam

Complaint: i have a rush card. I have not received my payroll check. it has caused me to not be able to purchase food gas and pay my bills. I am very disappointed with all of this happening because I trusted XXXX. but now im mad, simply because I feel he needs to make a public statement and stop hiding behind fb and twitter!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-12-2015 about Bank account or service (Savings account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Account opening, closing, or management

Complaint: Opened an account with substantial funding. XXXX rep told me that if I added $ XXXX the interest rate would stay at 1,35 % for another 6 months. I did, but instead, they reduced the rate to 0.27 %. I contacted them and told them that I did not agree to this interest rate and that they should close the account and send me my money back. They kept promising to fix this " mistake ''. Nothing happened even after almost 3 months of my attempts and utmost frustration. I asked them to close the account and send me my money and they failed to do that after several months. In the meantime I am losing money, since I could have invested it in good investment opportunities. So at this point I consider their act to be that of criminal, unauthorized possession of my money. Awful bank, awful lying personnel that does not give a XXXX about their customers. I am at a point of asking an attorney to file a criminal complaint in federal court over this issue that any normal bank would handle in one day. Malicious idiots, crooks and thieves is the best description of their personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Dates showing I missed payments when I was still in school. Payments should have not been due until after my semester ended.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple hard inquiries on my credit reports from Synchrony Bank for different retail store credit cards. So far there are two inquiries for an XXXX XXXX card and one inquiry for a XXXX card. I called and disputed the XXXX card months ago and the inquiry is still showing on my credit report. I called about the XXXX XXXX inquiry today ( XXXX ) and now there is another inquiry for XXXX XXXX dated today!! I have not applied for any credit cards. I am in the process of having a house built and need my credit to good in order to qualify for a mortgage loan. I can not do that with all of these fraudulent inquiries from Synchrony Bank. I want them removed immediately and I want some kind of freeze or alert that does not allow any inquiries or applications under Synchrony Bank. My social security is being used and my maiden name of XXXX is being used. Random addresses are also being used to submit the applications. I was told a fraud alert would be placed on my information after the first inquiry in XXXX for XXXX but the XXXX XXXX inquiries were still able to go through. This is unacceptable and this is harming my credit and my opportunity to buy a house.

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 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Credit decision / Underwriting

Complaint: I filed a chapter XXXX in 2012 its been discharged since XXXX 2012 and I have a mortgage with Wells Fargo I never late in my payment from the day XXXX purchased my home until this time and also when I filled BK I never included my home. Since the BK my mortgage is not reporting on my credit which when I called to inquire why is not reporting Wells Fargo is keep telling me its protected by BK and also I did n't reaffirmed it. When I talk to legal advisors would tell me the I cant reaffirmed a mortgage which secured by deed. called back wells fargo they are not welling to help me since 2012 my mortgage is not reporting on my credit i need this to resolve, there is no judge will rule a reaffirmed in Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello yes I contact the credit breau Equifax regarding account bankruptcy chapter XXXX that was fraud and they told me to send in documents stating it was fraud and I sent them document from the courts stating the account will be deleted and they told me if I mail them in the document showing it will be deleted they will update my file showing the bankruptcy will be removed I contact them and they still did n't remove the account off my credit file

Company response to consumer: Closed with explanation