milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: Dear Sir/Madam, I am sending this complaint since Citibank does n't honor the promotion offer on which Citibank would post XXXX XXXX miles to my XXXX account after I opened a Citigold account and finished some related requirements. 
I opened the Citigold checking on XXXX XXXX and fulfilled all the requirements on XXXX XXXX. Both the call center and online chat confirmed I had fulfilled all the requirements on XXXX XXXX. 
On XX/XX/XXXX, the online chat customer service stated that they need additional 30 days to post the miles to my account. 
I waited until XXXX XXXX and the security message customer service suddenly told me I was not targeted for the promotion after I had been waiting for much more than 90 days when it was the time Citibank need to honor the offer by their T & C. 
I sent a new online chat on XXXX/XXXX/XXXX and the customer service stated that they would file an investigation and I would receive the result after 2 business days. However, there is no response at all until now.

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 07/27/2017 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: Public record information inaccurate

Complaint: Under the new law effective XXXX 1,2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureaus ( XXXX, XXXX, Transuion ) have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.

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 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (LA).
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 must start with the CFPB is a godsend when assisting consumers. You helped me resolve getting insurance money that Ocwen would not issue me BUT now Ocwen will not correct a 30 day late payment that they assured me would not be reported to the bureaus. I 've spoken with the Ombudsman office several times and they tell me the same thing, that its been submitted. I 've called XXXX and XXXX ( which is another nightmare in it 's self because of 3 party language barrier ) but I can not get any resolve. XXXX has correct the XXXX XXXX 30 day late. But XXXX and XXXX when they try and call Ocwen they get a different person every time and a different story every time. Neither XXXX nor XXXX will correct the XXXX late payment based on the multiple letters from Ocwen to me. They tell me they must verify with Ocwen and Ocwen will not verify they reported it incorrectly when the bureaus call them. I have that in writing from Ocwen with the letter dated XXXX XXXX. Ocwen then sent me another letter on XXXX XXXX stating they did not report incorrectly but as a " courtesy '' will report it as current. None of which has happened. I luckily was able to refinance my home with a local lender but had to take a higher interest rate because of this error by Ocwen. I have every right to sue them but at this point just want to be done with this despicable company and pray in the near future they will be dealt with by their many victims.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On Saturday  XXXX / XXXX / XXXX  I received an alert on my   XXXX   XXXX   about credit card limit. When I checked it out. I noticed a credit card  with Capital One o pened on  XXXX / XXXX / XXXX . I immediately filled a fraud alert 90 day initial alert to   XXXX   credit report and also ordered a credit history report from  XXXX . Afterwards I contacted the company about the credit card. I explained how I had no knowledge for this account until I received a alert from   XXXX   XXXX  . I opened a fraud case with them about the card. They assured me the account was now close and a investigation would take place and report it to the credit bureau. I provided my mailing address as well as email and phone number. When I asked for information on file for the credit crad the mailing address or number I was simply told it shows  XXXX , TX that 's it. I was informed I would be receiving a phone call and an email with information on the matter. As today  XXXX / XXXX / XXXX  I have not received a phone call. I called them back on  XXXX / XXXX / XXXX  I noticed on my   XXXX   XXXX   the account was still opened and how I have n't received a phone call or an email about the matter. I was told it was closed the person could not use the card. As far as the phone call and email no update.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Problems caused by my funds being low

Complaint: PNC Bank XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX is not reporting the closure of my paid off overdraft on XXXX. I would like this investigated and closed as it was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: This is to inform you that I have contacted Experian Credit Bureau in regards to them having some incorrect addresses reported on my credit bureau report. They still have not addressed this and removed these addresses. If you would ever so kindly please help me to get these removed I would be ever so grateful. The following is incorrect : XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: A numerous amount of times I have tried to get through to Equifax to freeze my credit as I am one who have been affected by the beach ... I call Equifax on XXXX after failing to be able to freeze credit online ... I was able to answer security questions from my end, i spoke with an employee who handled the cares I needed as far as wrong info on my credit report, as she turns me over to the credit freeze department they refuse to allow me to freeze my credit without having to send in a picture of via u.s mail. I explained to the employee I was one that was hacked and she agreed and all I wanted to do was freeze it instantly she refused and told me to send in picture of via mail.im not happy with that as they are the reason I tried to freeze credit.i was n't comfortable with sending personal info in the u.s mail.how can this be so, a company that allows your hidden personal info to get out and now they demand you send picture i.d in the u s mail to get damaged by identity even further??? that rule does n't make sense.also they are clearly negligent in how they handle anyone 's personal info via the procedures that they use..why should I allow someone so wreckless to be the judge of my life and everyone else 's???

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I recently applied for a HELOC modification with Bank of America. I use to work in loan modification, so I know / knew to only submit the request if I fit the guidelines. I was told that my income was XXXX per month. I have asked several times where and what numbers did they use to get that figure because my employment income is {$32000.00} a year ( XXXX per month ). My HELOC payment went from {$180.00} per month to {$440.00}. I want to pay this loan, but ca n't afford that much of a increase. During the process I was subjected to numerous request for the same docs over and over, to find that the REP gave me the wrong fax number. It was mentioned to me that some of the docs I sent was placed by the scan team in the wrong place. This could be the reason for the inflated income. Perhaps they used things for income that just is n't true. I have one job, the income should be easy to calculate. I have detailed dates and times and request I received from them with confirmation of docs being sent.

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 10/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I am attempting to closeout a Chapter XXXX case but am unable to do so due to fees Ditech claims I owe totaling more than {$5000.00} in arears payment, however Ditech has not submitted these claims to me or my attorney for review and/or payment. My attorney 's office and I have attempted to obtain information and get Ditech to submit claims relating to this issue since XX/XX/2015. We have made several telephone calls to Ditech. Ditech representatives seem to be clueless as to the request or say they will give us a call back, but as of this writing I nor my attorney 's office have received a return phone call or claim for payment from Ditech. Ditech 's own attorney has tried several times to obtain this information but has informed my attorney 's office that she has been unsuccessful as well. I understand that this is normal behavior and practices for Ditech. I am very concerned that once my case is closed, and fees are later submitted for payment, Ditech may possibly pursue foreclosure procedures if I am unable to pay the full amount. Me and my attorney 's office have serious concerns that this could potentially happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Problem : Credit score wrong as the associated credit report shown on XXXX incorrectly states that I have n't got recent usage of credit card. <P/>Date : XX/XX/XXXX - Contacted XXXX ( XXXX ). They advised me to contact Experian as according to XXXX they do n't change the data from Experian. They further advised that there is problem with " Last Activity '' data being reported from Experian as it states " Not available ''. " Last Activity '' should have the date of my last credit card usage Date : XX/XX/XXXX - Contacted Experian ( XXXX ). They generated a credit report and walked me through and highlighted that they are sharing all the required data to XXXX. They further stated that they can clearly see in my report that there is recent credit card usage Date : XX/XX/XXXX - Contacted XXXX ( XXXX ). Since the agent could n't resolve or had access they escalated to their manager. The manager accepted that this is an issue and committed to resolve within 24 hrs even though their normal SLA is 72 hrs. She accepted the fact that the lower score being reported is what the mortgage lenders will see. I highlighted to her that because of this data issue on their side I will need to pay higher interest rates. <P/>Date : XX/XX/XXXX - Contacted XXXX ( XXXX ) as there was no response for more than 24 hrs. A supervisor committed to address the issue within 24 hrs or offer me a work around if they are n't able to resolve. <P/>Date : XX/XX/XXXX - Email sent from XXXX restating the issue and that they ca n't resolve this Date : XX/XX/XXXX - Contacted XXXX ( XXXX ). They just stated the same as in the email and asked me to contact Experian. They did n't want to take ownership to talk to Experian to get this issue resolved as they are best positioned. I highlighted to them that Experian have mentioned that the problem is with XXXX interpreting the credit report. Experian showed me the credit report that clearly shows that I have been recently using the credit cards. <P/>I would like to file this complaint to seek your help to get this issue resolved with XXXX as this is unnecessarily affecting my credit score being reported to mortgage lenders. Also the fact that I am not being treated fairly by XXXX to get this issue 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 11/25/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (MS).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXXIn XX/XX/XXXX, After the economy sent our business in a downward spiral, although I really did n't want to, we had to attempt a loan modification. Our loan was sold to XXXX then to NationStar. XXXX DID put us on a trial basis for a loan modification, asking for XXXX payments before approval. When it was time to send the XXXX payment, they sold the loan without notice and the payment was returned therefore, NationStar said they did n't get that money in time to qualify for a loan modification. Also, Nation Star said there was no escrow which was indicated on XXXX 's loan paperwork. They said they had no idea about this matter and that money was in XXXX 's hands. Every time I attempted to call NationStar ( it always took XXXX calls to finally get someone ) for information and payment arrangements, I was given a different representative. Many times the person I spoke with was degrading and rude when I would ask for a look back at the last phone conversation. The response was " we do n't keep records of the last phone call ''. This happened many, many times. No one would help us get a modification. We did fill out at least XXXX loan packets and each time something was missing - not in reality, but I can promise you we had everything in ALL the packets. 
It was as if there was a scam going on. Because I could not afford the time or money, I reached out to my Congressman and the Attorney General 's office for assistance. I did not get any answers but they did take my information and said they had many complaints from these companies. It was a joke to them but in XX/XX/XXXX, the home we built on XXXX acres of near our family and lived in for 15 years, was foreclosed by Nation Star - losing our home was devastation and heartbreak. The only thing that stands between us and starting over, are the names of these crooks on our credit report! 
My only request is not money or a lawsuit, but to have XXXX AND NATIONSTAR do what is right and take the foreclosure OFF all three credit reporting agencies. They TOTALLY messed around with us. In my heart I no one ever planned to help us get a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I closed an account XXXX for cable services when moving out of my mothers townhome located at XXXX XXXX XXXX, XXXX, CO XXXX XX/XX/XXXX The balance was paid in full and the equipment returned. Never received any information XXXX. XX/XX/XXXX I received a letter from a collections company stating that I needed to pay over {$440.00} because XXXX had turn a collection account on me for an unpaid bill. I do n't keep bills for these many years, so I had no way to verify that the account was taken care of. When I refused to make the payment and they told me that my credit will stay messed up until I paid the debt so I made the payment but the bad credit report still there. I am a poor student, I do n't have money to make XXXX even richer. While reading reviews on the collection company 's website, it sounds like XXXX has a scam going on with ENHANCE RECOVERY CORPORATION, to steal money from consumers. This is their information : Enhanced Recovery CorporationXXXX XXXX XXXX, FL XXXX XXXXThe account in question with them is XXXX. 
Someone needs to stop this type of activities to prevent businesses from monopolizing and taking advantage of consumers. This action on their part has caused my credit to be ruin. I am a decent citizen, working part time and going to school XXXX ; I still live with my parents because I ca n't afford to live on my own. I do not need the start of my adult independent life, to initiate with bad credit to affect my possibilities to request credit for the most basic needs in life such as car or home purchases. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2016 about Debt collection (Medical) with JDJ Investments, INC. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: These medical collections that the collections agencies keep hounding me about that are on my credit report have been illegally obtained. They are in violation of XXXX. They sent me back itemized bills of procedues, medications, etc. Straight from the medical facility. I sent certified letters to the collections agengies for validation of debt and the had nothing signed by me stating that it was ok to obtain all my private and person medical records that were specifically written on a bill..I will also send a XXXX Violation letter to these reporting collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Balance transfer

Complaint: Today, I applied over the phone for a balance transfer to the Citibank XXXX XXXX. While doing so, a few things happened : 1 ) when asking for my phone number, they asked if I authorized them to contact me via phone in various ways, but never told me that I can op-out of being contacted, which they should tell customers, 2 ) after my application was processed, I told them I wanted the credit report that they pulled sent to me. I was transferred to roughly XXXX departments within the Bank, not XXXX employee knew that the FCRA gives consumers the right to get a copy of their credit report whenever someone pulls it, nor did they have the ability to simply check that I wanted a copy sent to me. I even spoke with a supervisor, who was also not aware of this requirement. Actually none of them even knew of the FCRA. I spoke with Citi customer service, their credit card application department, and the status department, multiple times. The fact that Citibank has no protocols for informing and ensuring that individuals can receive a copy of their credit report after completing an application for a Citi product is, from my understanding, a clear violation of FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Credit card () with JPMORGAN CHASE & CO. (RI).
Issue: Billing disputes

Complaint: Ordered a XXXX XXXX XXXX XXXX smartphone from XXXX. I had to do this XXXX times because the first XXXX I purchased were either not as described ( opened box when item was sold as new/unopened box ) or blocked on my carrier ( seller financed phone and stopped payments ). The last of the XXXX phones that needed to be returned worked fine for a few days and then became blocked with my carrier ( seller non-payment ). It was shipped back as the previous ones were : I contacted XXXX, informed them that the phone was not as described, and they then approved and issued a return label to return the phone at their expense. The first XXXX returns were credited back to me. The final return was never credited. After 30+ days after the return, I attempted to contact XXXX but they make it extremely difficult, if not impossible to find their contact phone number or even send them an email. After XXXX mins after trying to find their contact info, I instead called my card issuer and disputed the item for failing to credit me for the return. Instead of XXXX responding to the chargeback, XXXX responded that the item was never returned and that it was as described. XXXX of course has never seen the item and had no idea of its condition, it was simply a defensive tactic they use the absolve themselves of accountability ( they probably paid the fraudulent seller and then got left holding the bag ). I responded to my card issuer explaining and providing documents indicating from XXXX 's own website that the item in question was returned. My card issuer, Chase, performed no investigation of any kind and simply took XXXX at their word. Despite all the evidence I provided, and XXXX having a complete accountability of the return, they refused to remove the charge. I finally found XXXX 's phone number and contacted them to ask why they never credited me back. The rep told me that the item was returned " late '' so there is no refund. XXXX only provided XXXX to return the item. Because the phone being returned contained all of my mobile data ( it worked for a few days before the carrier block took effect ), I had to procure a replacement phone and copy all of my data over before I could return the phone. Again, this was the seller 's fault as they knowingly sold me a phone they knew would be blocked at some point. So I explained this to the XXXX rep and he reiterated that they will be keeping the money and the seller will be keeping the phone, and I am due no refund. However, my card issuer is supposed to act as the fail-safe in this type of situation, and did not adhere to the XXXX. Perhaps they have a cozy relationship with XXXX or simply do n't care. The evidence I provided them was overwhelming and they did n't seem to review or follow-up on any of it. Additionally, you should be aware of issues like this where the consumer does business with XXXX but it is XXXX that responds to the billing dispute. This allows XXXX to be unaccountable and XXXX to play ignorance.

Company response to consumer: Closed with explanation