milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Customer service / Customer relations

Complaint: Citibank offered to me as consideration a bonus valued at {$650.00} for signing up for their AT & T Access More credit card. More specifically, XXXX is to receive a {$650.00} statement credit on the purchase of a new cellular phone from the AT & T Company. In order to receive this statement credit, XXXX must take the following actions : ( XXXX ) Make {$2000.00} in purchases within three months of account opening. ( XXXX ) Buy a new phone from AT & T using a unique phone offer link that is provided on the cardholders online account homepage. ( XXXX ) Maintain service with AT & T for at least 15 days. ( XXXX ) Pay a {$95.00} annual fee. 

I made a good faith effort to satisfy all of the above conditions. There was a computer issue on part of Citibank and AT & T that prevented me from satisfying conditions XXXX and XXXX of the Citibank 's offer. Specifically, when I attempted to purchase a phone and sign up for AT & T using the offer link that Citibank provided, AT & T rejected my order on grounds that it could not verify some information regarding my identity that they obtained from a credit bureau ( I made no mistake in submitting my correct information ). Additionally, AT & T made no attempt clear the confusion it was having in regards to the discrepancy in the information that it received from the credit bureau that it deals with ( i.e. requesting a copy of my driver 's license and a utility bill ). 

I XXXX contacted AT & T to get them to reprocess the order. The representative that I spoke to stated that it is AT & T 's policy to refuse to reprocess any cancelled orders made online. Furthermore, he stated that my best option is to visit an AT & T store in-person and purchase a phone in-store. This route would be seamless. However, buying the phone in-store does not coincide with Citibank 's offer. 

I figured that the best way to remedy the situation was to go back to Citibank 's webpage and enter a new order, this this time in close correspondence with AT & T to make sure there is no confusion regarding to information about my identity. Only now, the offer link had disappeared from Citibank 's webpage. 

I contacted Citibank. The supervisor that I spoke with there, named XXXX XXXX XXXX XXXX XXXX, stated that Citibank 's computer system had no way of regenerating an offer link for me to use and that Citibank would not grant me the statement credit if I were to purchase a phone in-person. 

Overall, the problem is that Citibank designed a poor platform and has poor cooperation with is partner AT & T. It refuses to take any reasonable course of action to resolve the issues. I would be happy to buy a phone in-store and submit to Citibank proof of my purchase. Purchasing a phone via this route does not change Citibank 's economic stance in any way. Instead, I 'm left not knowing what to do, and Citibank is now better off economically by {$650.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I disputed through all  XXXX  credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On  XXXX / XXXX / 17 , my credit monitoring sent an alert. from  XXXX .   XXXX   XXXX  t had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured, Amount in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.

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 09/13/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Credit determination

Complaint: I applied for a Chase XXXX card and received a denial letter. I contacted their reconsideration line and was advised that I was listed as an authorized user on another Chase Credit Card account that was charged off. I advised I was not aware of this and to provide details. No information was provided- I contacted EVERY customer service number for all the credit cards Chase offers in their portfolio. No one could assist me. 

Upon calling the reconsideration line, the second representative quickly backtracked and advised " oh- well that would n't hurt your score thaaat bad '' - but XXXX information in regards to the debt. ( Which of course, not my debt )

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Debt collection (I do not know) with Cooper Hoffman Klein Associates (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: " Cooper, Hoffman, Klein and Associates '' continues to harass me by calling my cell phone in attempt to collect another person 's debt. They have yelled at me, misrepresented themselves as lawyers, threatened to take me to court and refused to stop calling me after I asked them to remove my number from the account that does n't belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Card # XXXX XXXX XXXX XXXX According to the offer the credit card holder was supposed to receive a XXXX ( {$150.00} ) in 5/3 Bank reward points if the following conditions was to be met : {$500.00} or more purchase within 90 days of account opening. The bonus was to be awarded 6-8 weeks of meeting the obligation. The obligation ( {$510.00} ) was met onXX/XX/XXXX when the amount of the invoice was paid in full. As of today I received no bonus despite contacting the 5/3 bank twice ( XX/XX/XXXX and XX/XX/XXXX ) was being informed that the points will post in XX/XX/XXXX statement period. When I called today the CSR informed me that wanted to open another case for the issue despite the case with required follow up ( it did n't happen ) was opened already ( # XXXX ). It is apparent that the 5/3 Bank is not interested in awarding the points and it keeps stalling which in itself is a breach of contract. It is also very reprehensible that the bank employees so blatantly lie to card members which also reflects poorly on the culture within the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I applied on  XXXX   XXXX  for the   XXXX   XXXX   credit card which the sponsor is Bank of America. At the time of the application, m y credit score r eturned as  XXXX , my debt to income ratio was under 30 % and my annual income is more than  XXXX . This credit card offers a range  of APR betwe en 12.99 % to 19.99 %. The result of my application was a line of credit of  XXXX  and a high-interest rate of 19 % . First of all   we are talking about a credit card with incentives for travel, therefore, if I would like to travel to  XXXX  and I would like to buy more than  XXXX  tickets it would be almost impossible because my credit limit, also if we consider that this offer does n't have an introductory 0 % off APR and m y credit score is clos er to the category of excellent, I am wondering if I am applying for a mortgage? I have been spoken 2 times with the department of credit card services from BOA and they only say that they are sorry, they can understand my frustration and they sent me a letter telling me how to build  a credit score and how I can keep a good one as  well. Please if someone needs to have a position of 1 % of the wealthy population in order to receive a fair deal from BOA and their credit cards they should let this know to the hard working people.

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 01-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This company is the only XXXX out of the XXXX agencies that refuses to help and take care of this fraud. 

All these inquiries are fraudulent : XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (PA).
Issue: Managing the loan or lease

Complaint: A copy of a letter written to " Citibank '' ... 
______________Sears Credit CardsXXXX SD XXXXTo Whom It May Concern : Enclose you will Find a check made out to Sears Credit Card in the amount of {$1800.00}. 
Please note that this amount should be greater than the amount owed on my account, # XXXX. 
I instruct that you close my Sears Credit Card account immediately upon receipt and refund the credit balance that should result. 
For the record, I will be greatly relieved to know that I will NEVER have to have any dealings or association with CITIBANK ever again. 
Though I have never in my many decades of life EVER failed to pay an amount owed to a creditor, YOU chose to close this account to new purchases ( which I had no intention of making anyway. ) Your action precipitated the premature termination of my Home Depot account, which cascaded into the closing of my XXXX XXXX XXXX account. Because I was then left with greater DEBT than I had CREDIT, my credit standing, was destroyed, I was denied of the opportunity to refinance my home and my inability to obtain a low interest Home Equity account to pay off the remaining, high interest debt I hold, denying me any alternative to paying your unreasonable interest rates. 
What Sears Credit Card Service ( i.e. CitiBank XXXX has done to me should qualify as a felony. Moreover, the person XXXX XXXX ) responsible for putting this usurious policy in place should be jailed, along with that ( those ) person 's superior ( XXXX ). 

I know from talking with your employees that you are doing this to others, as well, so I dare hope we may be able to mount a class action of some sort? 
Rhetorical question ... could my being a single woman over the age of retirement who will continue XXXX indefinitely have influenced your initial actions? Could you have believed me to be without means or resources to fight your discrimination? NOTE - that was a rhetorical question. I do n't want to hear or see anything more from your company. I offer the question for YOUR benefit. 
I do wish you business losses and ultimate business failure, but expect that you will take care of that without my assistance. 
Very sincerely! 


XXXX XXXX XXXX : Pennsylvania Department of Consumer Affairs Federal Government Consumer Protection Agency XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: I have been a Citibank Gold customer for several years. I realized that the bank was taking {$60.00} per month from my checking acct. ( that I rarely used ) because I did not maintain a certain balance. 

I immediately closed the account in XXXX 2017. Since that time the bank claims that I owe them some {$500.00}. I have asked repeatedly for paperwork showing why I owe this money but they have NOT sent it to me. 

For months they were calling me daily, and for months they said they would send me the information. I have NOT received specific information regarding why They are now saying they will report this information to credit bureaus. The calls border on abuse. 

I do n't see how I can pay {$500.00} without any information in writing. This makes no sense. I find these business practices unethical and abusive. Who pays money without evidence that it is owed?

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: To Whom It May Concern : I have called XXXX XXXX XXXX XXXX spending several hours on the phone with representatives and managers re : # XXXX XXXX XXXX XXXX due to this card being issued by XXXX XXXX after my departure from the company which was XX/XX/XXXX. The card was sent directly to the XXXX XXXX XXXX, and charges in the amount of {$520.00} were charged against this card issued under my name without permission. After discussions with XXXX, I was advised to fax the letter from my previous employer stating they issued the card in error under my name to XXXX by XXXX ( Employee XXXX ), which I sent in on XX/XX/XXXX. In my letter, I requested to have a letter/documentation to their resolution and for them to contact the ( 3 ) bureaus having this adverse mark removed from my credit. I 've been denied a credit card, and am now attempting to pursue a purchase of a 2nd home which this will affect now since it 's still not resolved. I have attempted to call back again XX/XX/XXXX & XX/XX/XXXX with no success in reaching someone that can assist, and when I ask them to review the notes on my account their suspect at best in describing my case and do n't mention anything about receipt of a letter, or their efforts in resolving this issue. XXXX has taken no interest in resolving this issue, and I feel hopeless as a consumer as XXXX reps will only take down my phone number for callbacks which are never received from management. They can reach me at XXXX, and I would like to understand as a consumer how do I repair my credit when a company is n't cooperative in the efforts???? Do I have recourse to sue for my time spent and the damage they 've continued to allow by no action on their part??? 

Sincerely, XXXX XXXX XXXXXXXXXXXX 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 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Collection account number XXXX XXXX XXXX XXXX XXXX XXXX reporting on Experian report number XXXX No knowledge of account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (AE).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: On XX/XX/XXXX, I was notified by Paypal Credit Customer Service my account was in collection and was sent to XXXX XXXX XXXX ( Contact # : XXXX ). This was the first time I was notified I was overdue. I have not received any notifications from either Paypal Credit or the Collection Agency ( XXXX XXXX XXXX ). I immediately contacted the Collection Agency to figure out how this happened. 

History : On or about XX/XX/XXXX, I purchased some items from XXXX XXXX XXXX. This line of credit was through PayPal. On or about that same year, XX/XX/XXXX, XXXX closed the XXXX XXXX XXXX website requiring XXXX XXXX XXXX Credit Customers to link their PayPal accounts. I linked my accounts, as required and requested by the website. Additionally, I verified it was done by trying to re-register, but it gave me an error stating my account had already been linked. In addition to my XXXX XXXX XXXX I have a Paypal Credit Account. The registration should have linked my overall PayPal account, but I am unable to see my XXXX XXXX XXXX account status ( website is shut down ) or unable to see a balance on my Paypal Account. 

PayPal Customer Service/Collections stated they sent email messages and mail to my home address listed. I always monitor my account information and update the address as needed. PayPal Collections stated their process is to send out email notifications first, followed by letters to the address on file and as a last resort calling the phone number listed. 

I was not afforded my due process to respond to a debt prior to collection. Furthermore, since the systems were not linked, I was unable to see a remaining balance due. My account has been overdue for over 400 days yet nothing reflects on my credit report. How can a consumer be charged late fees and interest on a balance he or she is unaware they owe due to a poor notification and system miscommunication/technical issues? 

Over the 400 day period, my balance went from {$170.00} balance owed to {$360.00}. The difference in balance can be attributed to late fees and interest charges. I do not dispute I owe a balance of {$170.00}. I made those purchases and do not dispute the charges. The remaining {$190.00} ( interest and late fees ) is a gross overcharge and should be reflected as a bad credit card practice when the consumer has no knowledge a balance is due. As a consumer, I should have protection and provided due process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2015 about Credit card () with DISCOVER BANK (NY).
Issue: Advertising and marketing

Complaint: Discover promised a 10 % cashback on up to {$10000.00} worth of in store XXXX purchases. 
I made those purchases, but I am receiving a email accusing me of spending on non qualified gift cards. ( As a side note, they added that clause after the promo was out ... ) 1 Its my privacy, they have no business what I purchase2 Just because I bought expensive XXXX products, does n't mean it 's a gift card. 
I have a friend who bought a XXXX at XXXX, its a high dollar amount, so they accused him of a gift card purchase. 
Not right. Intrusion of privacy. And just bad for a credit card company who we trust with so much information, to demand even more information, and to lie about their public promos. 

I want my 10 % cashback, and I want it doubled at years end just like their promo says!

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received a collection letter from : Transworld Sytems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I have XXXX XXXX Member ID XXXX Group number : XXXX do n't understand where this bill is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Non-federal student loan) with ConServe (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Trying to settle with Conserve who was outsourced by XXXX which is the company that deals with financial accounts for XXXX online. I do owe XXXX to the school. I lost my job and could not pay. I now am trying to pay and spoke to Conserve about a settlement. I will pay XXXX plus some fee, but not XXXX. Which they are trying to collect and not even negotiate. Even XXXX was trying to reach out because they do n't understand. I asked conserve where this excess fees came from, and they just said that they can tack on anything.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: EQUIFAX lists the following address:XXXX , TX XXXXThis has never been my address and I have never used this address. 
My XXXX credit card was hacked in XXXX, 2015, and I believe this address was reported at that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I 'm filing a complaint because the credit bureau is documenting that I have had several dismissed bankruptcies. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX Thanks in advance

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 06/27/2016 about Credit card () with GreenSky Trade Credit, LLC (CA).
Issue: Billing disputes

Complaint: I was fraudulently charged for construction services thru greensky. When I contacted them they " reversed charges '' but later changed stating they could not get funds thru the construction company. I have written and emailed greensky for over 3 months and no return email or call. 
Please contact me. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief