milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NV).
Issue: Account opening, closing, or management

Complaint: I opened an account with Citibank by visiting a branch. There was a poster showing an offer for {$400.00} if a new account was opened and a certain deposit made and maintained for 30 days. After opening the account and depositing I sent a secure message to verify everything was fine with the account, deposit, and promotion, and received back this message : I reviewed your account and I see that your account is opened on XXXX/XXXX/16 and I see the deposit of {$15000.00} you have made on the same date. I suggest you to maintain {$15000.00} for the next one month from the date of deposit ( ie ) till XXXX/XXXX/16 for getting this promotion. Once you maintain this balance till XXXX/XXXX/16 then {$400.00} will be credited on your account with in 90 days no later than XXXX/XXXX/16. 
It is now XXXX/XXXX/16 and I have not seen the {$400.00} added to my account. Any attempts to contact Citi about this result in a dead end. I have : * Sent an additional secure message. I received a reply from an agent stating that they require me to give them the promotional code. I do n't know of any promotional code! I went into the branch to open the account and the promotion was on a poster. When I sent a secure message the first time the agent had no problem locating the promotion on my account, but this time they need some code? Every time I try to reply to this message I get an error. 
* Contacted them on live chat twice. Each time I have logged into my account and then clicked the " live chat '' box on the side bar. Both times the agent has told me that I 'm not logged in and I need to log in so they can view my account details. 
* Called on the phone twice. Both times I have entered my account details in and am to be transferred to someone and instead I am just hung up on.

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 02/14/2017 about Credit card () with DISCOVER BANK (TX).
Issue: Customer service / Customer relations

Complaint: They said once they received a letter from the bank that there was a typo on giving me my new account number that they would reopen my account but they never did!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a mortgage on my home at XXXX XXXX XXXX XXXX XXXX CA. In XX/XX/XXXX, it was sold to XXXX XXXX. 57 times in a row, I sent payment on time or early. Since then, I have repeatedly asked the company for monthly statements but got none. I also asked for a welcome packet but got none. I received no written correspondence EVER from this company ... until XX/XX/XXXX when I received a letter indicating my payment had not been received. I checked and got proof I sent it early as I always had. XXXX XXXX says they changed the box number where I 'm supposed to send the check and since I 'm late they reported it to the credit agencies. My credit score - a vital part of my business as a XXXX XXXX XXXX with four other mortgages all of which are far greater than this one - dropped 140 points. XXXX XXXX says it had to tell the " truth '' but wo n't admit they never sent the letters. In fact, today, one month after the letter indicating I was late, the bank has still not produced copies of the letters it alleged were sent. The credit agencies say that if XXXX XXXX wo n't admit it made an error, I 'm stuck with their decision to damage my credit I have proof my payment was sent on time. They do not care. They have no proof they sent any letter much less 4 and the idea that I would ignore 4 letters but respond within 20 minutes of getting one indicating payment is plain nutty. All communication with XXXX XXXX returns to same : they sent 4 letters and as such I 'm late and too bad. There has been no action taken by the bank to ensure smoother communication. They have n't sent a statement nor copies of the letter. XXXX in executive office promised action in 5 days. That was three weeks ago. It does not seem fair that this bank gets to damage my credit and that there is no way to appeal this foolish, short sighted decision as it will now cost XXXX XXXX thousands of dollars in interest when I transfer this mortgage to another company as I can not take the chance that this bank do same again as it will send no material in mail. All the communication regarding their phantom letters has been on the phone!

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Medical) with Hollis Cobb Associates (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Over a medical bill incurred during XXXX problems, which ultimately led to XXXX. Even though paying a monthly amount, XXXX turned it over to Patients Accounts Bureau since I refused to give them direct access to my checking account. Patient Accounts Bureau then called MY PARENTS, who are in the XXXX 's and live in another state - worried them totally. I am a XXXX year old adult and am livid that my parents were bothered. Plus the only way their phone number could have been obtained was via the " Emergency Contact '' when I had the medical procedures. Is that legal? My recent communication with them was harrassing and threatening. I am showing due diligence and making payments to ALL involved in the XXXX diagnosis and XXXX but this one account wants more than I can afford and wants " direct secure access '' to my checking account, which I refuse to give. XXXX and XXXX are the two at Patients Account Bureau who are harassing me, and my parents.

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 09/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problems caused by my funds being low

Complaint: I have been charged fees over and over by bank of america, but their website and customer tools are not helpful to customers at all. There is always an inconvenience and extra steps to pay a bill or even make a deposit at their ATMS. The platform creates a problem where customers like myself are not able to perform transactions easily without accruing fees. I just spoke with the rudest representative that argued with me and then performed a customer mistreat and hung up the phone on me when I asked to speak with a manager. This behavior demonstrates Bank of America 's unwillingness to educate customers and provide accurate customer service. There phone prompts is designed to keep you from gaining access to talk with a representative. I had to call back and wait on hold a gain for more than 5 minutes due to the representative being rude and not wanting to provide his information for a follow up complaint.

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 08/16/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with CURO Intermediate Holdings (KS).
Issue: Struggling to pay your loan

Complaint: I 've tried to work with speedy cash, however, due to the high interest rates and inability to pay the exact loan. I switched my bank account to cope with how to pay them on my own terms. Recently have had a call with them saying I can pay in XXXX but got default notice a few days later.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (I do not know) with Allied Interstate LLC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am current on all debts however I receive 2-3 calls a day 7 days a week from XXXX and never once a message. I googled a.d found that they are a debt collector and I am not the only one they are harassing constantly. I emailed and asked that they stop calling and send a letter. No response and still calls. I am executor of my mom 's estate and I suspect that may be what they are calling about, but I 've contacted everyone of her creditors already and told them the estate is insolvent. If they want to file a claim there is a way for them to file with probate but they should not me continually calling me.

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 09/25/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Your company failed to provide a complete response dated XX/XX/2016, to an inquiry that I submitted to your company on XX/XX/2016, regarding owner, seriver, Master servicer, and their addresses. Your company failed to state whom Master servicer is, along with address. You company also failed to provide address of stated servier. 

Please provide a complete response. 

Additionally I am now also requesting, site address, along with mailing address, of servicer, Master sevicer. Please provide a detailed history, of all servicer ( s ), and Master servicer ( s ), whom have serviced my account, along with dates, of service ( s ). 

Attached to this inquiry, is the inquiry from XX/XX/2016, along with response dated XX/XX/2016, in .pdf format. 

Thank you for your cooperation as we do n't want to lose our home and this information will help us to save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit card () with Selip & Stylianou, LLP (NY).
Issue: Billing disputes

Complaint: XXXX XXXX REFUSED TO ACTIVATE THE XXXX INSURANCE ACCT AS I AM XXXX AND A SENIOR XXXX. XXXX XXXX CONTACTED A COLLECTION AGENCY! 
IT IS AGAINST THE CONSUMER PRETECTION LAWS

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 10/17/2017 about Debt collection (Medical debt) with RSI Enterprises, Inc. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, XXXX, I had XXXX XXXX at the Wisconsin XXXX XXXX on my XXXX XXXX. Since I was XXXX XXXX XXXX at the time the XXXX was scheduled, I did not sign any contracts or agreements pertaining to the XXXX. I am currently XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, a bill was received from Wisconsin XXXX XXXX for the aforesaid debt in my name only. My mother immediately contacted the Wisconsin XXXX XXXX and informed them that the invoice was incorrectly put in my name ; as she explained I am a minor. My mother explained that my father is legally responsible for the bill due to the martial settlement agreement from their divorce. She provided the employee with my fathers name, address, and social security number. The employee agreed that putting the invoice in my name was an error and indicated he would email XXXX, and request that the bill be fixed and put my father as the responsible party and have the bill sent to him. 

On XXXX/XXXX/XXXX, another bill for the aforesaid debt came in my name. My mother again called and again spoke to XXXX. XXXX confirmed the prior conversation and said he will send another email to XXXX to have the bill put in my father 's name and put him as the responsible party. A few minutes later, XXXX contacted my mother and left a voicemail message that the bill/invoice was fixed and my father was listed as the sole responsible party. My mother contacted my father and he admitted he is responsible for paying the medical bill and indicated he would set up a payment plan once he received the invoice from WI XXXX XXXX. A month or so later, my father indicated he had gotten the invoice. 

I have received no further correspondence from anyone regarding this debt until I received a debt collection letter from RSI enterprises dated XXXX ( that was not received until XXXX/XXXX/XXXX ) indicating I am responsible for the debt. 

I attempted to call RSI numerous times but they only have a voicemail and require you to leave a message to call them back. Since I do not want them harassing me about a debt that is not mine, I did not leave my contact number nor a message. 

On XXXX XXXX, XXXX, I sent RSI a certified letter notifying them that I am XXXX XXXX XXXX and that my father is responsible for the debt and provided my father 's name, address, social security number. I also requested proof that I am liable for the debt. 

At this point, I am seriously concerned that WI XXXX Center and/or RSI have unlawfully damaged my credit, by erroneously putting the debt in my name instead of my father 's name. 

I have attached copies of the XXXX invoices received from WI XXXX XXXX, the letter from RSI enterprises,  and the letter I sent to WI XXXX Center. 

I am requesting that CFPB not provide either company with my email address or telephone number or the email address and telephone number of my mother ( who I have given permission to have access to the status of this complaint )

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: One of my accounts with Sallie Mae, before it was sold has been incorrect information. I have repeatedly tried to get them to correct this issue. 

It shows me as not having paid, when I was supposed to be under forbearance. It looks like they applied it to one of my loans, but it was supposed to be for both. 

At the time I was unemployed and trying to straighten this out with them. Every person I talked to told me something different. Since they were becoming navient ... they seemed to stop being reachable and no one cared to help correct the problem. I tried multiple times to contact them. Once I thought things were ok, I 'd call and get different information from someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: My checking account was comprised. I misplaced my debit card and somehow someone got access to my account with my card and got my online account information. Deposited fraudulent checks into my account and started withdrawing from those deposits. I initially went online to check my balance and was locked out of my account. I called to find out why I was locked out. The representative I spoke with simply told me my account had been closed because of bad checks and fraud. No one offered or asked me any questions to determine the validity of the charges and simply released the call. I called back to open a claim against the charges. I received a letter dated XXXX/XXXX/16 stating the claim was opened. I received a second later dated XXXX/XXXX/16 stating it was resolved. I called to try and figure out how the claim was resolved 24 hours later without an investigation. I was told by the representative that because my pin was used and and the mobile deposits were made that someone close to me must 've taken my information and was holding me responsible. I REPEATEDLY tried to get the representative to listen to me and ask them to pull the tape for review. HE REFUSED. He stated he wasnt blaming me but it had to be somebody i knew. I repeatedly tried to inform the gentleman i had NO knowledge of anyone i know personally stealing information from me, and furthermore i had no part in any of the fraudulent activity and should not be held responsible. It was not until AFTER I threatened to file a complaint against bank of america that he offered to reopen the claim if I filed a police report. Not only was my account closed as a result. The bank has taken over {$800.00} from me and the account is now in the negative over {$1000.00} which they are trying to hold me responsible for.

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 04-10-2017 about Debt collection (I do not know) with Riverwalk Financial Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I saw a debt collection on my credit report for the amount of {$2700.00} from  Deville Asset Management.  I called the company and was told it was a   XXXX     XXXX   XXXX  Credit Card. I told them I have never had a  XXXX   XXXX   XXXX  Credit Card. They said that it was me and it would negatively affect my credit report until I paid.  XXXX  said I could pay {$2500.00} right then, but that was the last time she could offer that. I said I ca n't do that, and would n't or debt I did not make. They called my place of work and my cell phone, were disrespectful, and threatening. I called back later with my father, and they again said the same thing. We called  XXXX   XXXX   XXXX , and they could not find my social linked to any account, closed or not. I called back Deville, They gave me an account number, and said  XXXX   XXXX   XXXX  could n't find it because they had. So we called back  XXXX   XXXX   XXXX , and gave them the account number. They said that account does not belong to   XXXX   XXXX    XXXX , we have no record of it or you in our system. and we can look back 10 years. We would be able to see if it was in collections. We then called back with   XXXX     XXXX   XXXX  on the line, when the  XXXX   XXXX   XXXX   XXXX  said that this call with be monitored and recorded, Deville said that the account had been flagged, and the debt collection was being stopped. This is a scam company, and they were trying to steal close to {$3000.00} from me. They should be in jail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (I do not know) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Possible Debt Collector by the name of ERC called my direct line at work at XXXX XXXX XXXX, XXXX. I have not received any mail from debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has not verified XXXX, XXXX XXXX, or XXXX XXXX XXXX, because if they did then they are breaking the FCRA by not making sure my information is correct. First, I HAVE NEVER LIVED OR DONE BUSINESS IN XXXX VIRGINIA!!!! Second, XXXX is not mine but this was XXXX in a settlement be the company XXXX hired. Lastly XXXX XXXX is not mine. All XXXX of these companies have said there is an ongoing investigation with no results as of XXXX XXXX. Look, in all honesty I want this to stay out of the courts but if Equifax continues 30 days after they receive my certified letter then my lawyer is prepared to file the paperwork to sue Equifax for damages and the full losses of my company. I have been trying to give Equifax an honest chance to do a proper investigation but we are down to the wire and I will not wait a day longer then I have too. I guess you can take this is a notification of intent to sue. All I want is a fair investigation like I got with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Rocket Mortgage pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX  already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my credit reports   (  XXXX ,  XXXX , and  XXXX  ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all   XXXX   credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.

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 12/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: Subject : XXXX XXXX. 

I deposited a check for {$41000.00} in XXXX XXXX on Friday XX/XX/XXXX. Then I wrote a business check for {$35000.00} to my Chase Bank business account, ending in -- -- XXXX. XXXX XXXX check cleared on XX/XX/XXXX. Chase is still holding this check. 

1. I have deposited over {$100000.00} in Chase in XX/XX/XXXX. 
XXXX check was cleared to Chase on XX/XX/XXXX. I have proof from XXXX XXXX. 
2. Today is Friday XX/XX/XXXX the 4th day the cleared check is still not available to me from Chase Bank.

3. Chase said that yes the check cleared but funds have not been released to me yet for my use.

4. Has Chase been receiving interest on this check from overnight deposits with the Federal Reserve? 

Banks have a lot of reasons and loop holes and a lot of lawyers to tell me that the can hold my money as long as they can. What 's my recourse ... ... .. 

XXXX

Company response to consumer: Closed with explanation