milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Advertising and marketing

Complaint: I signed up for the Citi XXXX consumer credit card in XXXX, 2016. As I was out of state, I did n't receive the card for a couple months. This was because they could n't send the physical card to an address that was n't the initial address when the card was set-up. According to a rep I just spoke with at Citi, he confirmed I did n't get the card until XXXX/XXXX/2016. 

I was extended an offer to spend {$1000.00} and get XXXX XXXX XXXX miles. Since XXXX/XXXX/2016 I have spent well over {$1000.00} and have n't received those promised miles. I was told today that the offer end date was XXXX/XXXX/2016. That seems fundamentally unfair because I was told I would have 3 months and they admit I did n't get my card until XXXX/XXXX/2016. 

I have no ill will towards Citi but I would like for them to follow through on their promise and put the XXXX XXXX miles into my account immediately. 

Thank you for your help. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Adjusters, LLC (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: the company is attempting to collect a debt that is and was in the wrong amount as the items were damaged that was received and had been notified of the damages upon receiving them therefore i will not pay the amount asking by the company and will only pay them XXXX dollars to remove this item and never do business with them again

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XX/XX/XXXX, I reached out to the BBB for assistance on an Equifax, Inc. complaint. In XX/XX/XXXX, I had tried to access my credit report online through credit monitoring software many times and was unable to do so. Several lenders and credit card companies also tried to pull my Equifax credit file and were not able to do so ; this has been going on for over a year. In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I reached out to Equifax to get this resolved but I was told my credit file was too large. After the BBB started an investigation, an Equifax representative stated they were sending me a copy of my credit report. Since then, no credit card company, mortgage lender, and even I ca n't access a copy of my Equifax credit report. Today, XX/XX/XXXX, I contacted Equifax again and was told by a CSR that I have two credit files that need to be merged into one so that my credit report can be pulled/accessed. However, when I asked the CSR about merging the file so it could be pulled/accessed, she stated she could not merge the file. She also told me online credit reports, credit monitoring services, lenders, and credit card companies can not pull my file because it is split. I have made multiple calls to Equifax on this issue to no resolve. I have been denied several mortgages and multiple credit cards since my Equifax file ca n't be pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was reported 90 days past due on my student loan, I have never been late. I never received a written communication letting me know there was an issue with my payment. I was under the impression that it is a requirement for the Student Loan Servicing companies to communicate in writing with the borrowers regarding their loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I bought our primary home with a mortgage from CitiMortgage in 2012, the investor on the mortgage is XXXX. We have been upto date on our monthly payments all along and have excellent credit profiles overall. The account is in very good standing right now. 

Recently we requested Citi to cancel PMI on the mortgage and an appraisal was performed, that showed the property had appraised a little. Based on the appraisal, we made a one-time additional payment of {$13000.00}, to bring the LTV to just below 80 % of the home value. Citi responded to us stating the investor rules on PMI require the LTV to be 75 %. When we appealed why PMI ca n't be cancelled with LTV at 80 %, they advised us to talk to XXXX. XXXX stated their rules require the loan to be XXXX years old, for PMI cancellation at 80 % LTV. 

Our understanding of federal rules on PMI, from consumerfinance.gov does n't require the loan to be XXXX years or older. Hence we 'd like to submit a complain, seeking help from the CFPB to help resolve the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: complaint toward EQUIFAX.    HAD ACCOUNT FOR OVER A YR. LAST UPDATE WAS XX/XX/2015.
 HAS WRONG PERSONAL INFORMATION (DOB).
REPORT HAS NOT BEEN UPDATED IN MONTHS PLUS WHAT I FOUND HAD ACCOUNT THAT WERE PAID BUT STILL REFLECTED ON REPORT.  HAS HURT MY ATTEMPTS TO FILE FOR LOANS/GRANTS.   VERY DISAPPOINTED...CLOSED ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX # XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX DELINQ XXXX IQUIRE NOT DONE BY ME XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX SS # XXXX XXXX : XXXX/XXXX/XXXX XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I purchased a dishwasher from Home Depot recently, within 2 months, and I have had issues with the way it was installed and some of the sound proofing flowed out of the machine after I found the door cracked due to the installation of the dishwasher. The installers apparently removed a small piece of molding that ran beside the dishwasher and it got caught in the door. When I ran the dishwasher, when I returned home there was water all over my flooring. The molding is now discolored. I have tried to contact the store and at first could not get anyone to even answer the phone in the appliance department. I finally spoke to the store manager and an assistant named XXXX. They promised someone would contact me, which has not happened. I purchased the dishwasher due to a leak and now my new dishwasher leaked on my hard wood floors and is now damaged.

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 09/22/2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Credit decision / Underwriting

Complaint: I am attempting to refinance a mortgage with USAA. The company is holding up the loan at this point because there was a dispute on my credit report - not an " open '' dispute, a resolved dispute. Their last email said " XXXX XXXX is showing the disagreement code with a resolution of dispute on your credit. This is what underwriting needs removed. '' XXXX XXXX on their part sent the disagreement code, which I am fine with, and resolving the dispute. 
What I am understanding from USAA is that they want that to be undone, which XXXX XXXX can not do. 
A day later, after I inquired as to why such a holdup, about a credit card account with XXXX balance, and whether the issue is risk or something else, I received a response stating " Our underwriters do not manually underwrite files. '' At this point, I am at a dead-end. XXXX XXXX did their part and sent a resolution code, but I suppose USAA still can not accept that as an answer. The only option is to go back in time .... ( I will not continue this sentence - they are not giving me a resolution. ) I feel that USAA should be able to manually underwrite my loan. 
Now, I started the process XX/XX/XXXX, and even though USAA apologized for the delays, they have been pushing the closing date since XX/XX/XXXX. At this point, I do not think I will be able to close because I am deploying in about 8 days to the XXXX XXXX. The current interest rate on the house is high and I have wanted to rectify this issue for a while.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I reported the credit reporting company as XXXX on my complaint when actually it was Equifax : I paid off a higher credit card balance with XXXX that had a much lower interest rate. Equifax added the balance paid, to the lower interest rate credit card but did not remove it from the higher XXXX resulting in my appearing to owe {$4200.00} more than I do. This resulted in them dropping my credit rating XXXX points. I would like my credit rating restored to the XXXX that it was. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech ( formerly Greentree Servicing ) holds the second mortgage on my home. I have never missed a payment, nor been late on a payment in 8 years. Recently with the acquisition/merger, the ability to view the account ledger to show the activity and payment processing has been made available. In this balance sheet, it was noted that the payment was not being properly applied on the date of payment. The payment is still processed manually with a paper payment sheet, paid by check and sent by USPS first class mail monthly. The payment stub XXXX spaces for the customer to complete : Total Enclosed Dollar Amount, and Extra Amount to Principal. With each payment made, an additional amount toward the principal is always sent ( even though the mortgage is an interest only loan ). The appropriate amount ( overage ) is entered into the 'Extra Amount to Principal ' box with each payment, and is calculated by using the Total Payment Due subtracted from the total amount enclosed, where the payment amount due is the interest amount due for the monthly payment. Dating back to at least the XXXX quarter XX/XX/XXXX, the misappropriation of funds has been occurring resulting in turn having to expend considerable time each month calling the mortgage servicing company, to have the statements corrected. This was XXXX noticed though, only in XX/XX/XXXX, during that time the misappropriation of funds during XXXX quarters summed approximately {$2500.00} dollars above and beyond the required total payment due ( which all should have been applied properly to the Principal amount outstanding on the mortgage ). At times a delay of up to 72 days forward accrual can be seen on the accounting register ( meaning that a payment of principal in the amount of {$250.00} with a transaction date of XXXX will show an effective date of XXXX ). With an Actuarial type interest rate of 9.5 % the cost overrun which I am overcharged, just for this XXXX occurrence averages approximately {$3.00} per month, that the non-applied principal monies remain in flux. In essence, an over-payment in the amount of no less than {$27.00} has been made in the favor of the servicing company, which is unaccounted for funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have had several on going issues with bank of America. My previous co plaint against them is still unresolved. They are consistent with having horrible customer service. When coming into the only branch in  XXXX    XXXX   there is always a hit or miss with a notary. The branch has only  XXXX  notary for the whole   XXXX   XXXX    XXXX  and if she 's not available you 're stuck going to another bank or notary service. I booked an appointment as I was instructed to do and it was cancelled because once again they had no notary. Furthermore I added an authorized user to my account and was told when I signed up for it they would be a user not a co owner now I am having to close the account just to get this person off my account. Bank of America  executive off ice someone by the name of  XXXX  has still not spoken to me directly about the previous complaint it 's a phone tag of him calling every few days and not setting a specific time to resolve the matter as I 've left voice messages requesting. Horrible bank that still wo n't honor disputed transactions.

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 08-08-2015 about Debt collection (Federal student loan) with RevCrest, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never applied nor did I go to school this loan is not mine. Several times I have requested proof that this is my debt Have been told several times would send documents. They have not sent anything. It has been over XXXX years that this dept has ruined my credit

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have a home loan with my ex husband with PHH Mortgages. We filed for divorce and in the divorce decree he became liable for the home and paying the payments. He ended up missing XXXX payments which effected my credit fairly substaintailly. when I became aware of the late payments, I ensured that the account was up to date and have since. I presented to them that I have the legal documents that he is obligated to make the payments each month and that I am not responisble for the payment. I asked them to remove the XXXX dings on my credit and they would not. I offered to present the paperwork and they still would not. The home is now being sold. I even filed with XXXX as a discrepency and they would not remove it. I would have never let these become a late payment. I was not even notified as they had all of his information in the file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: In XXXX of XXXX, I opened a Citigold account using the promotion code XXXX, which awards XXXX XXXX XXXX miles after {$1000.00} in debit card purchases and bill pays in XXXX consecutive months. I was unsure if I was eligible to use the promotion code so I confirmed via the CITI messaging on my account. On XXXX/XXXX/XXXX I received confirmation from Citi CSR XXXX XXXX XXXX XXXX XXXX ) that " this is the offer you are eligible for '' ( see attachment ). 
After meeting the requirements, I confirmed via secure message that the requirements were met and my miles would be awarded. I received confirmation on XXXX/XXXX/XXXX from Citi CSR XXXX XXXX ( see attached. XXXX XXXX ). 
I was told they would be deposited by the end of XXXX. On XXXX I sent a message confirming that my miles would be deposited in XXXX and received a response on XXXX stating that I was no longer considered eligible for the promotion and " that meeting the requirements does not confirm eligibility. '' I followed up on XXXX with a chat with a Citi rep and she resubmitted the 'investigation ' and told me it would be completed within XXXX2 business days and I would receive a message. When I did not receive a response, I followed up on XXXX to inquire about the investigation and ask for my fees to be waived and was told via secure message that there is no timeline for completion of the investigation Citi will not waive my fees. I have now waited 13 days since the initiation of the second investigation. 
Citi 's practices in this matter are fraudulent. Their CSR 's clearly confirmed my eligibility, completion of requirements and estimated date of miles being deposited. They have not stood by their word. I am especially incensed that they continue to charge me fees even though they are not completing their end of the agreement.

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 02-11-2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax previously deleted my XXXX XXXX XXXX deleted and removed this account from my credit report and added it back on to my credit report. I have a snapshot of where I took a picture of this on my credit report of it stating it was removed and went back later to Equifax and saw that they had added it back. Called them the same day and asked them to remove it and they stated " It is still on your report it has not been removed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: In XXXX Capital One Bank informed me that they were no longer awarding mileage on their checking or savings accounts and I could transfer any exisitng mileage awards to my credit card. I subsequently transfered my balance of approximately XXXX miles to the credit card.I was credit with interest income by Capital One Bank in the amount of {$1100.00} for which I have to pay income tax on yet when I checked the cash value of miles on the Capital One credit Card, it was only {$860.00}. I should have a like amount of value on both accounts.Either the dollar value of rthe transfer ( interest incom ) on the bank account should b reduced or the dollar value on the credit side be increased.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Contact Transunion and spoke with customer service name XXXX from XXXX and explained to her that in XX/XX/XXXX my inquiries from Transunion were deleted and reinserted back 2 days later without me receiving the proper documentation in writing as the law says every time something is reinserted customer needs to get within 5 days notification of issue which I never received representative said that there were no issues with Transunion that she would not help and take care of the negative inquiries reporting to my credit report. I demand her to delete those inquiries that were put back into my credit report she replied no because it was an issue with XXXX or XXXX website reporting wrong information for Transunion that it was not Transunion directly. The following are the inquiries that were deleted and reinserted back into my credit report from Transunion,,, XXXX Date FiledXX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX, ,XXXX Date Filed XX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX,,, XXXX Date Filed XX/XX/XXXX,,,,, XXXX Date Filed XX/XX/XXXX,,,,, ,XXXX Date Filed XX/XX/XXXX,,, ,XXXX Date Filed XX/XX/XXXX,,,,,, XXXX Date Filed XXXX,,, ,XXXX Date Filed XX/XX/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 04-02-2018 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (NJ).
Issue: Charged fees or interest you didn't expect

Complaint: I have come to find out they charge an illegal interest rate in the several hundreds. I have paid back the loan, but I was and still am struggling to make ends meet because of this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: There are two accounts reported by XXXX XXXX XXXX on my credit report ( s ). <P/>Totaling {$3000.00} and {$500.00} each. <P/>The original creditor reported to the credit files is XXXX XXXX XXXX. <P/>I do not have nor have I ever done business with a company named XXXX XXXX XXXX. <P/>When I contacted XXXX XXXX services they said the company was XXXX XXXX XXXX. <P/>When I attempted to contact XXXX XXXX XXXX I discovered they were no longer in business and the current staff does not have any contact info for them. <P/>XXXX XXXX is no longer in business and any claim asserted by them is null. <P/>I have no way to dispute any alleged charges of have a point of contact with XXXX XXXX to get to the bottom of the charges they claim. <P/>All XXXX was willing to do was tell me " That 's what they say you owe. '' This is not a legitimate debt and and it is libelous what they are doing to my credit files.

Company response to consumer: Closed with explanation