milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I signed up for a promotion through Citigold ( promotion # XXXX ) to receive XXXX bonus XXXX XXXX miles when I opened a new checking account. I was given misinformation about the details of the promotion via chat, and thought that it had been corrected after I received a letter from Citi following up from a previous CFPB complaint ; that letter clearly stated that they had extended the deadline during which I needed to make certain types of transactions for the purposes of the promotion. However, when I followed up to ask why I had n't received the miles, I received a form letter stating that I had n't made the qualifying transactions within the 60 days ( it did not acknowledge the extension ). I contacted Citi again and faxed a copy of the extension letter. I received a virtually identical response from Citi yet again. I just spoke with a manager on the phone who said that she would submit my request again but it was unlikely to change. She was unable to give me specific reasons beyond that letter for why I had been rejected. I believe I met the requirements of the promotion within the extended window of time and that Citi is not honoring its promotion and communications with me. 

I have actually wanted to close my Citibank checking account due to this abysmal customer service, however, I have been waiting until I receive the miles since I need to have an open account to receive them. However, I am being charged $ XXXX/month as the monthly fee for having this checking account! Meanwhile, it generally takes them about two weeks to get back to any of my requests. I would like the fees to be refunded for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as I should have received the miles in XX/XX/XXXX at which point I would have closed the 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 monetary relief
Consumer complaint received 08/19/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: I want to file a formal complaint against " My Best Buy Credit Card ''. Today when I received my mail I opened it and I saw " Interest Charge '' for the amount of {$210.00}, then I called their Customer Service Department to try to remove that Interest Charge because I 'm not or was not aware of such " Interest Charge '' I spoke with a lady name XXXX.I asked her to give me some type of Identification as her Employee Id or Last name She said she ca n't provide to me, she says she is part of a Management Team from Tennessee her team Id is # XXXX. This lady instead to assist me she tried toCharge {$300.00} for the balance to paid on full so she could remove the " interest charge : I said to her I never was aware of this Interest Charge of any previous purchases Idone All the time when I buy with this credit card I got free interest until balance is paidoff, So since she did n't want to assist me to remove this interest charge I told her I wouldformally put a complaint against their Credit Card For " Switch and Bait '' with the CFPB Now I see the illegal way to try to charge me extra amount of money without me notice it .Please assist me to resolve this issue I 'm reporting at this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/26/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Previously filed federal tax lien has since been withdrawn, see attached copy of IRS form XXXX ( sent to me from the IRS ) as initial proof of this. XXXX and XXXX have since removed the tax lien from my credit report, however Equifax still will not remove it even after XXXX disputes being initiated. 

They suggested contacting the filing office ( XXXX county ) for more information. i called XXXX county ( using the number that Equifax provided, ironically ) and spoke to them for a total of XXXX ; they told me that they do in fact show the tax lien as having been withdrawn, their document number for that withdrawal filing is XXXX ; said filing took place on XXXX/XXXX/2015 according to XXXX county, and both of the Equifax disputes were initiated after that date ... 

Considering that it took me less than XXXX minutes to locate the withdrawal document, and order a copy of it ( that is being mailed to me ), i fail to see how Equifax could have not been able to accomplish the same having had several weeks to conduct their " investigation ''. 

Equifax is a for-profit company that makes money selling my personal information, and they do n't even have the decency to report the correct information. How on earth can they be allowed to operate with such ridiculously low, and arguably negligent, standards? 

Equifax has already cost me time and money ( fees for documents ), and this only occurred due to their negligent " investigative '' behavior. They should be fined for this action! If i had the resources available, i would absolutely take them to court! 

i will continue to pursue all avenues available to me until Equifax removes the tax lien from my consumer credit report, as this is what the law requires and demands of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2015 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (NE).
Issue: Managing the loan or lease

Complaint: My loan was reported to the credit bureau as past due and I never received a past due notice or call to resolve the issue in a timely matter. I am not a chronic debtor and any reporting to the credit bureau should be communicated in proactive measure. I am disappointed in the service response in trying to resolve this matter. According to the creditor this is their policy and they are not required to inform me of the delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I attended college from XX/XX/XXXX - XX/XX/XXXX. I borrowed money to attend. I was told by Navient when I requested the loans that as long as I repayed my loans after I graduated, then this would not be applied to my credit until after 13 months of graduation. I have never seen the actual statements that I signed to borrow money and do not know the actual amount that I borrowed. I never received any statements while attending college but see that my credit has been negatively affected due to this money since XX/XX/XXXX ( when I originally applied for the loans ). Now I am receiving statements from the department of education stating my loans were turned over to them and that I still owe $ XXXX. I do not know the exact number her I borrow but I do know that I never would borrow that much money.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (VA).
Issue: Unexpected or other fees

Complaint: TODAY I tried to FREEZE MY CREDIT REPORT WITH EQUIFAX AND FOUND OUT THEY WANT TO CHARGE ME {$10.00} TO FREEZE MY CREDIT REPORT. They collect all my information and dont pay me, but want me to pay them for a credit report freeze.that does not seem right or fair.
I will call them to try to get them to waive the fee, but i dont feel very confident they will do that.
I will be trying to freeze my credit reports with the other two companies, and i fear i will be very upset to find out they, too, charge.
This does not seem right to me, especially since the company getting hacked is the reason i am trying to freeze my CR.
Can you tell me if the cfpb can do anything to help us consumers ... .and thanks for all you currently do.
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Debt collection (I do not know) with Conn's, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Conns, a rent to own company in XXXX XXXX Texas, has been trying to collect a debt by a XXXX XXXX. They have called my home phone for over two years. I 've explained to them on 3 different occasions there is no XXXX XXXX at this number and has never been one. They have the wrong number and continue to call asking for payment. I have placed over 100 call numbers on phone block, yet they continue to find new numbers that I must block again. I want these robo calls stopped. I will pursue legal action very soon for the harassment. I would like to know what my options are and how to punish this company. Here are the latest phone numbers from Conns : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Payday loan, title loan, or personal loan (Payday loan) with AAA Auto Title Loans, LLC (NV).
Issue: Struggling to pay your loan

Complaint: I received a loan from Cash1,  XXXX , NV. Im struggling to pay the amounts. This company asked for a check for " Visual purposes '' for my file. I told them I do not use that bank. The young woman said that they will photo copy my debit card and they only use that for payments. Iv been notified by this company by email that they have taken the amount due from my debit card.They also been depositing the check I left! I now get emails, calls, and text from this company stating that Im past due! Calls from their " legal '' department as well. They have violated my privacy and violated the 3rd party act in the FDCPA. I have had a family member see my text from these people which violates my privacy. Now everyone knows my business

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (AL).
Issue: Incorrect information on your report

Complaint: my wife and i were approved for the hardest hit alabama program because i lost my job the program agrees to pay the mortgage for us for 12 months round point mortgage has reported to XXXX and XXXX 30 plus days late which is not our fault i attempted to make a payment online but do to the status of the account was unable to because the program makes the payments so it will not allow you to pay the 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 explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax , Inc. maintained a very poor standard of web security that has resulted in my report and personal information ( name, Social Security number, birth date, address, credit card number, and drivers license number ) being hacked from their website ( I am listed as being affected by this hack on their website : https : //www.equifaxsecurity2017.com/potential-impact/ ). I am among over 100 million people who have been affected by this hack, resulting from improper and outdated security measures. A company that holds this kind of information should be held to a much higher standard of security.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (I do not know) with Midwest Recovery Systems (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have never owed a debt to this company and they are harassing me. This is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: B of A refuses to correctly report my loan as paid in full and closed. The loan was paid in escrow on XXXX XXXX, 2015. I have requested several times through variouschannels yet as of today they still report the account as open with a balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2016 about Debt collection (Mortgage) with Aldridge Pite, LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Clear Recon Corp., as the supposed duly appointed Trustee for Deed of Trust recorded XXXX/XXXX/XXXX in Book XXXX, Page XXXX of the Official Records XXXX, is trying to foreclose based upon loan modification documents that were forged by XXXX XXXX Bank whose primary objective has been to force all XXXX Pick-a-Payment loan borrowers into foreclosure since at least XXXX. 

The XXXX XXXX XXXX 's office has no records of any transfers or re-assignments of either the original Beneficiary or Trustee. The Beneficiary that is still in place is XXXX XXXX Bank. The Trustee still in place is XXXX. 

I have checked with XXXX, XXXX XXXX and XXXX for the current ownership of the loan being foreclosed upon. XXXX and XXXX XXXX both deny ownership via their online verification system. XXXX also has no record of this loan onn it 's online database. 

Clear Recon Corp. and XXXX XXXX will not produce documents verifying the current legal Beneficiary or Trustee when requested. Clear Recon Corp. will not respond at all, other than to send multiple copies of the Notice of Trustee Sale with an updated sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit leaked from Equifax in XXXX, they never notified me and now I have inquiries on my account that I did not make ( have n't applied to new insurance, mortgage, credit cards, or anything else that I can think of. ) No notice, no assistance was provided, but yet the credit bureaus stand to make a huge amount of money off this by marketing their protection products, and I have to pay THEM to freeze my credit when they collected it and leaked it without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Billing disputes

Complaint: I have a XXXX Rewards Card that was initially issued by XXXX Bank. I think that in the middle of last month, XXXX 2015, the card was taken over by Synchrony Bank. XXXX Bank sent me a statement at the beginning of XXXX telling me to send payment of at least {$25.00} to XXXX by XXXX XXXX. On XXXX XXXX, my bank sent XXXX an online payment of {$700.00} which is how I 've paid that bill for years. I went to XXXX 's website the next week to see if the payment had been made, but the XXXX Card had been removed. On XXXX XXXX, I received an email from Synchrony Bank telling me that I could access my account on their website. I did and found that the {$700.00} payment had not been credited. I called Synchrony the next day, XXXX XXXX, and they said they had no record of the {$700.00} payment. They also said I had to make a payment by XXXX XXXX or I 'd be charged a late fee. I called XXXX, which recieved the payment from my bank and they said they had no record of it. I also called my bank, XXXX XXXX XXXX XXXX, which sent me the wire receipts showing the funds being wired to XXXX. 
Yesterday, XXXX XXXX, Synchrony Bank charged me a late fee. My credit union is investigating what happened to the payment and calling me with updates, but neither it, XXXX, or Synchrony know where my {$700.00} went.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Received XXXX Mortgage statement from Chase and saw that they charged my escrow account {$1000.00} on XX/XX/XXXX for XXXX insurance. I have the required building and hazard insurance, as well as my owner 's policy. I never signed up for XXXX insurance, was never notified I needed it, and certainly never authorized Chase to charge my escrow account for it. I contacted Chase customer service at XXXX and they spoke to their insurance department at XXXX XXXX. They agreed I did not need the insurance and said they would remove. They provided confirmation # XXXX and said I would receive written confirmation in the mail. I never received and then received an escrow analysis that my monthly payment would be increasing on XX/XX/XXXX to cover the XXXX insurance. I contacted Chase again on XXXX and they said it was still pending, but that they updated the pending status and that my escrow account should be credited within a few days and that I should call back to order another escrow analysis, which will correct my payment. I contacted Chase again on XXXX and the credit was still not provided and they hung up on me. How many people are they doing this to? They had no authorization whatsoever to charge me for this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other

Complaint: Chase Bank closed all XXXX of my credit card accounts in XXXX 2015 after I reported them to the CFPB for failing to secure my accounts from fraud after my cards were compromised. Since I generally paid my cards off each month, I had a credit balance of {$110.00}. I told Chase via phone on two separate occasions to issue a check for the credit balance. I also told them this via letter that they signed for. Chase has intentionally retained a credit balance on a closed credit card account and refused to refund me after I asked multiple times over a three to four-month period.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: I think you know - Equifax - have tried multiple times to freeze my credit report with them and their own website gets you close but then gives you an error - the other two services XXXX and XXXX  worked fine - someone should really really hold Equifax accountable - they say their website is working but then it says come back later after you enter all your data, I tried several times - if I suffer because of their inability to first protect my data ( which I did NOT ask or give them permission to collect ) and then their inability to institute locks or freezes who holds them accountable - this is crazy!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Paypal combed through my account and found the last person that I sent money to ( an old friend. Then, they called him and left a message about my account. There are no words to describe my embarrassment. I am very upset about this and I would like to know if there is any recourse that I can take. Any assistance would be greatly appreciated. Paypal would call me so many times each day. I had to add them to my block list, because I do n't have the money right now. My hours have been cut at work. I barely have enough for the mortgage and car payment each month. After blocking Paypal from calling me, they decided to fish through my account for information on my friends. This is absolutely outrageous. I do n't want people knowing about my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (OR).
Issue: Problem with additional add-on products or services

Complaint: In  XXXX , Beneficial added more debt- They just added {$360.00} to my balance, it said lender advanced??   and they added {$34.00} for home insurance ( for no-home ) and {$49.00} for taxes- ( that I pay every year? ) and upped my payment {$130.00} a month.   They wont let me pay it down, every month it goes up.   I paid it down to {$9000.00}, but this month it is {$10000.00}, these guys are crooks.   They continually up my payment and add more debt. EVERY month!   THERE IS NO HOME TO INSURE ON THIS PROPERTY!   Since I made a complaint to CFPB they are getting worse punishing me for complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been attempting to improve my credit score. I have been monitoring my credit report via Experian. I ordered my credit report and observed that it contained some errors. I wrote the attached letter to Experian and asked them to take corrective measures. I cited each entry that I felt should be removed and also cited the points of authority that justified such action. 

I read the Fair Credit Reporting Act as well as the clarifying letter form the Federal Trade Commission. The letter from the FTC said " The commencement of the delinquency that led to the action '' I took that to mean when the first late or default on the obligation occurred. That is when the seven year clock on reporting begins/

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