milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (UT).
Issue: Account opening, closing, or management

Complaint: I opened a citigold checking account with promotion code XXXX. I received a secure message verifying that I qualified for the account and had used the code to open the account. Later I received another secure message stating that I had fulfilled all the requirements for the promotion and would receive the promotional XXXX thank you points by XXXX XXXX, 2016. I have now been told by Citibank that I would not be receiving the points even though they have taken {$90.00} in monthly service fees from my account. I 'm not sure how to get my points as they keep pretending that we did n't have an agreement and that I fulfilled my part 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 04/17/2017 about Credit reporting () with LEXISNEXIS (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: three months ago i contacted  Lexis Nexis Clue  report and filed a dispute with them as to the inaccuracy of the information they supply to insurance companies is causing me not to get affordable insurance. It seems that they are reporting accidents that should not be on my report since it was founded that i was not at fault. these accidents was 1 flooding of my car and 2 vehicles that were not mine but my son 's ( registered in his name } within a  three  month period were totaled while parked in a parking lot over night. this inaccurate reporting is causing me to pay higher rates of insurance. I am accurately being cancelled auto insurance because of this report. And if they are reporting this on mine and my son 's report then they are double dipping two of these accidents should only be on my son 's report and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX auto account is settled and the account needs to be updated in all of the credit bureaus. Still showing negative. Please correct this matter. I have been patience now its has to go now. 
Thanks very much Pleased with your help with concern

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 01/31/2018 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (RI).
Issue: Trouble during payment process

Complaint: I recently closed on my home on XX/XX/XXXX. My mortgage then changed hands and is serviced by Lakeview Loan Servicing , LLC. My payment includes taxes and insurance however I applied for the XXXX XXXX with my city, which was approved. Once I received the updated tax statement I faxed it to Lakeview Loan Servicing , LLC and requested them to confirm with me upon receipt. I never heard back. I sent an email and I have tried AT MINIMUM four times to reach customer service about my escrow account via phone ... their recording would say they had a high call volume and to leave a call back number. I have done this THREE times. I received a call back over a week after my initial request ... Though I am not sure if my email to customer service or my request for them to call me triggered the call back. Regardless, whomever I spoke with told me that my account would be updated by XX/XX/XXXX. It is now XX/XX/XXXX and YET AGAIN I have not heard back and my payment amount has not been updated. I sent ANOTHER email on XX/XX/XXXX and have not heard back from that request either. I find the lack of customer service to be unacceptable. The ONLY way I was able to talk to someone was when I opted to speak with someone about my insurance, because this company also had an error with my insurance information ( no fault of mine as I have had coverage and its paid for with my mortgage payment ). After I resolved the insurance information I asked the woman to connect me to customer service because I am not able to reach them, she said she would stay on the line but then transferred me to another recorded line instead which eventually hung up on me. Being unable to reach my mortgage and have my payment adjusted down to where it should be is not acceptable. They also now will need to back date and update the additional payment amount to principal however I can not get ahold of them in a timely manner, they have left me with no choice but to write this complaint in the hopes to get this matter resolved.

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 06-05-2017 about Debt collection (Other debt) with GC Services Limited Partnership (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On XXXX XXXX XXXX. I received a levy on my bank account from a collection agency company that I did not borrow any money from amount {$530.00} and {$120.00} legal fee from XXXX XXXX XXXX. I did not  receive a notice of levy. A final notice of levy and still havent. I called the bank to find out what the issue was and with who and they kept not answering, set up a call back, then when they called back the prompts were in Spanish. However the call back was not set up in Spanish because I do not speak Spanish this happened 4 times. I went down to the bank branch. They say it s the Franchise tax board.Gave me the number. I call California franchise tax board. They tell me the levy was done by the courts but its not the courts its GC services. I call GC services and they lied and they dont have jurisdiction its the Franchise tax board. I went down to the address given XXXX XXXX XXXX XXXX XXXX CA XXXX and they try to tell me what Im looking for is at a different building, its not here I say no it is here and I gave them the case number they didnt want to llok it up but I knew and then they looked into it asking a manager there and the suddnly they knew what I was talking about deceptive practices I know it was done by GC services I submitted the paperwork to dispute the levy according to the Bill of rights GC Services is conducting deceptive collection practices. I ask for the levy info the writ of execution and they say they dont have it I am disputing the issue. They stole this money out of the account. wrote and went to file the documents on XXXX XXXX. I called the number given they told me the bank was supposed to send me the notice of levy and still they havent. GC Services Limited Partnership at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This levy has caused extreme additional hardships. It violated The context of a Fair Debt Collection Practices Act ( FDCPA ) action. claim by a debtor that a third part debt collector has engaged in prohibited conduct in collecting or attempting to collect a consumer debt. It is required that they return the money to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: I ordered a pair of boots from an online merchant which I never received. I followed up with the merchant many times and then realized it was a scam. I disputed with my bank, BOA, and they refunded me the total amount, {$150.00}. I was told by the associate that this happens a lot and it would be no problem. About a month later I received a letter from BOA saying that the transaction occurred more than 60 days ago so they would be reversing the refund. I was never told by the first associate that the date would be an issue. When I called in to inquire I was put on hold for 23 minutes and then told that there was nothing I could do that the money would be taken out of my account. The associate said, " we 're a bank and we like money, so if there 's anyway to keep the money we are going to ''. He had someone whispering to him in the background on what to say and was not very helpful. At the time the claim was filed, BOA knew it had been past 60 days since my original transaction and should be more upfront about the process. I feel like I am losing the {$150.00} all over again.

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 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MS).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I received an email from XXXX XXXX that my XXXX XXXX store card had been approved. I did not apply for an XXXX store card. I also received an email from XXXX that my order for a {$1400.00} XXXX headlight was being processed. I do not own a XXXX. I immediately contacted XXXX, they put a freeze on the card and my account so it can not be used. However, the headlight was from a 3rd party seller and I received an email from them that the headlight had shipped. I live in XXXX, MS this headlight is being shipped to someone in New Jersey. I do not know anyone in New Jersey and I did not apply for that card.

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 07/28/2016 about Debt collection (I do not know) with Southern Management Systems Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: According to the management office of an apartment complex in XXXX, XXXX. Someone using my name ( and a false spouse ) rented an apartment sometime during the years of XXXX to XXXX. 

However, I 've been living in XXXX, XXXX since XXXX XXXX. I have not lived in XXXX, XXXX since XXXX XXXX. And I 'm not married either. 

They 're using XXXX separate debt collection agencies to contact me, and have been placing negative marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Credit card () with DISCOVER BANK (MD).
Issue: Other

Complaint: Discover Card has inaccurately reported to XXXX, XXXX, and XXXX Credit agencies that I had a late credit card payment XX/XX/2016. This is not accurate. After speaking with Discover card on multiple occasion they informed me on those multiple occasions that I do not have any late payments. When I contacted Discover they have informed me they have sent multiple off-cycle updates to the Credit Reporting Agencies to update the inaccurate information. This has not occurred as the same late payment is still on my credit reports. 

I have disputed the late payments multiple times and nothing on the reports has changed. Either Discover Card is not responding to the disputes or they are providing the same inaccurate information when they receive the disputes. All said the issue is not resolved and its been 3 months since the initial dispute was filed and Discover was contacted about the issue. 

I do not want to have to resort to legal means to get the issue resolved but will if it is not. This is black and white, I do not have a late payment in XX/XX/XXXX yet they are reporting it late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 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: I received a letter from XXXX explaining I was a part of a breach I went online to view my credit and notice some fraudulent attempts to obtain credit. I have sent proper correspondence to Transunion with no response from them this was not done by me, its consider fraud, I tried to place a police report but being that my information was breach due to the lack of security at XXXX and that the criminals did not get any of the approvals to obtain the credit there was no police report to file. I will like all the listed below inquires removed. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: I have a Citibank account. I paid my Best Buy Account of {$58.00}. Today, Best Buy, which is part of Citibank, went into my account and took {$250.00} without my authorization. I have been making regular payments on this account, and today they decide to take an additional {$250.00}. Citibank said there is nothing they can do and Best Buy is saying the same. What rights do we have when it comes to our bank accounts? How can I get my money back?

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 02-12-2018 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Trouble during payment process

Complaint: Please see the two attached inspections, one from XX/XX/XXXX and the second one from XX/XX/XXXX. 

Regarding the inspection fromXX/XX/XXXX : 1 ) My contractor watched me sign the original report, which stated 90 % ... ... I never signed a report that stated I was at 60 % nor would because I would not have been in agreement with XXXX report was changed to 60 % AFTER I signed the report at 90 % .... ( ILLEGAL )!!! 

2 ) Please see the report fromXX/XX/XXXX, which stated we were at 75 %, it also stated that windows need to be installed, siding needed to be applied to the house, insulation and sheet rock needed to be done. 

3 ) Since theXX/XX/XXXX report at 75 % - The following items have been completed : Hurricane Windows Installed, Siding Installed and Painted, Insulation Installed, Sheet Rock ( tape and skim coat ) Installed All of the items listed completed and have also passed inspection with the City of XXXX XXXX XXXX. 

4 ) Also please note that in the report fromXX/XX/XXXX states office, porch and deck. There has never been an office or a back porch on that house since the day I purchased the house. The deck was a 4 wide 10 deck that was actually a step up to the back door of the houseinsurance did not pay for this deck because it was an outside feature that was not a part of the claim.. The deck was termite infested so I had it removed and there will not be a Deck added back, just steps up to the back door. Whomever gave the inspection company the information regarding office, porch and deck gave wrong information, which wrongly affected the percentages of the XXXX report..unfortunately the report was written based on that incorrect information. 

5 ) The XX/XX/XXXX report was correct at the time regarding the 75 % and we have now completed many of the items that were listed on the XX/XX/XXXXreport, so we are certainly between 87 % and 90 %, that would be more accurate.

Please review all that I have written carefully..the XX/XX/XXXXreport was erroneous and also fraudulent regarding my signature, which that alone give way for a lawsuit from me the homeowner. I am 100 % disputing theXX/XX/XXXX report based on wrong information going in and the fraud that was committed with my signature by the inspection company. Please note that I am documenting all including but not limited to this email regarding evidence for a lawsuit for I have been displaced for three ( 3 ) years as of today..the fire was XX/XX/XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 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: I have sent several certified letters to Transunion ( XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Transunion still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor.

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 03/28/2017 about Debt collection (Medical) with KeyBridge Medical Revenue Management (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XX/XX/2016 I recieved a phone call from Keybridge Medical revue Management in XXXX Ohio stating that I owe XXXX in Ohio for XXXX medical bills of {$66.00}, {$190.00} and {$51.00}. The lady that I talked to at the collection company said that these outstanding accounts were showing up on my credit report with all XXXX credit bureaus and that if i paid them they could take them off my credit. I agreed to pay the collection company and gave her my debit card number. 

About 60 day later in XX/XX/2016 i checked my credit report and the medical collections were taken off my XXXX and XXXX reports but on my XXXX report it remains as a paid collection. 

I called the collection company in XX/XX/2016 and the collection company instructed me to dispute the information with equifax and they would take it off of my equifax credit report. 

I have disputed the XXXX paid collection accounts on my credit report multiple times but equifax, and Keybridge Medical Revenue Management will not remove the XXXX paid collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been contacting Suntrust Mortgage to cancellation my PMI insurance. My mortgage balance is approximately 72 % of my original purchase property value. Everything I read states that Suntrust should have terminated my PMI automatically when the value reached 78 %. Suntrust own documents sent to me say that termination will happen at 78 % of the original property value. My calls and e-mails have not worked. Thank you.

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 09/13/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan modification,collection,foreclosure

Complaint: Sir/Ma'am, I 'm currently serving in the XXXX XXXX XXXX . I 'm hoping you can assist me in the short sale of my home XXXX AZ. 

Due to military obligation I moved from XXXX XXXX XXXX XXXX, XXXX to XXXX location for XXXX year in XXXX XXXX. After my XXXX year XXXX XXXX XXXX sent me to XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX. 
While I was deployed for a year my wife and family continued to live in thehouse in XXXX XXXX. Right before my return to the states we decided to putthe house up for sale in XXXX XXXX. We moved out of the house at the end XXXX and headed to XXXX XXXX. During this time payments were made onthe house yet there were no offers. Around XXXX XXXX I requested to do ashort sale through our lender Wells Fargo because I could no longer continueto maintain XXXX house payments. We are currently living in base housingwhich cost about {$1400.00} a month and the mortgage in XXXX is about {$1400.00}. 
I owe about $ XXXX on the house and we were offered a rather low offer butthe bank denied the offer and said they need a minimum of around $ XXXX tobreak even. To my knowledge this is not what a short sale is all about. Notto long after that we were offered $ XXXX on the house. The offer was sent upto Wells Fargo but they did not reply after 3 weeks and the buyers backedout because they took too long. Now my realtor says there is another offerof $ XXXX on the table and I feel like this will fall through. I 've sentWells Fargo all the required information ( finances, justification, etc ) inregards to doing a short sale. The house has been on the market for almost19 months now and I 'm at loss right now. The longer this takes the worse itwill get. Wells Fargo has been less than helpful with a short sale. It seemslike every other month or so we have a new point of contact and no one wantsto talk to me or my realtor. This is the short side of the story if you haveany questions or options I would appreciate any help you can provide. I'mcurrently XXXX and will not return until XXXX XXXX. 
Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I just looked up my credit report and was shocked to see that Portfolio Recovery still had a collection on my account that is not my debt. Portfolio Recovery called me XX/XX/XXXX and told me that I have an old balance on a credit card that was with XXXX XXXX for {$250.00} for the year XX/XX/XXXX. I asked them to provide me the information on the outstanding balance in writing and they have never done so as of this date XXXX/XXXX/XXXX. They indicated to me that they buy bad debt and then collect it. I have not checked my credit report until today XXXX/XXXX/XXXX and I found that they have put a collection on my credit report and that it has affected my credit score in a negative way. I have had an outstanding credit score for over 30 years and I would like to report a fraud. I can prove that this debt is not mine because the XXXX XXXX Account that they are referring to was paid in full XXXX/XXXX/XXXX. Portfolio Recovery said they bought this bad debt from XXXX and they are collecting on it. I always pay my credit cards off and on time. This debt is not mine and I want Portfolio Recovery to reinstate my credit score immediately and write me a letter pertaining to this matter as it is affecting me in my purchase of a new home. This debt is not mine and I can prove it. I know and understand why companies try to get you to pay a debt that is not yours because it is under {$500.00}. This is wrong in so many ways and I want to report Portfolio Recover to the consumers so this scheme does not happen again. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I joined an all women 's gym. They closed the location moved it to a farther location and made it a coed gym. Did not want a coed gym that 's why i joined. I disputed and closed my account. And now i see it on my credit report.

Company response to consumer: Closed with explanation