milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Rewards

Complaint: I am writing regarding a rewards credit card. My points earned in XXXX posted the account in XXXX. I had earned {$1200.00} worth of points/gift certificates in the period for the posting date ( 30 days later ) of XXXX XXXX. The points were redeemed for target gift certificates. After redemption, per Citicards agreement Citibank has an additional 30 days to mail the earned points certificates to the client. On XXXX XXXX I received an email from Citicards notifying me that the {$12000.00} worth of gift certificates had shipped. When I contacted them on XXXX after not receiving the gift certificates, I was told by a " supervisor '' that the gift cards were not able to issued by their vendor with no apology and that the points are now being reposted to the account but wo n't be available until XXXX XXXX, and that Citibank/Citicards will ship them 30 days after they are redeemed again. 

As a consumer, there is an agreement. My points take a month to post and then when redeemed the credit card company processor has 30 days to comply. The gift cards should have been sent by the latest date of XXXX/XXXX/15 however the order was unfilled without notice ( other than the email sent showing that they " mailed them '' ) due to Citicards failure to comply with their cardholder agreement. 
I was told by operation XXXX in the Florida XXXX order, Team # XXXX that it was " my fault because I chose not to get cash back and instead chose gift certificates '', which is why Citibank failed to comply with the cardholder agreement. 
I was then told that I would receive a call back 3 days later on Saturday, but it would more likely be Monday regarding this but there was XXXX INTENT upon doing anything or HONORING their cardholder agreement. 
At this point, Citibank 's negligence is shocking and their customer service is deplorable. I signed up for the credit card after being a Citibank customer for 10 years, with the intent to follow the credit card holder agreement but yet Citibank has illegally failed to do so on their part. The rewards gift certificates will not even be received until XXXX XXXX at the earlier because of they wo n't repost to their system until XXXX XXXX and they have 30 days to send them from there. 

In short, Citibank is attempting consumer fraud by their complete disregard for the cardholder agreement and the failure to provide goods as agreed upon.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 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: Public record information inaccurate

Complaint: Experian investigated the following listing, XXXX XXXX XXXX VA XXXX XXXX ..., on my credit report. 

Upon completion of their investigation, they deleted the referenced item. 

I was notified of the investigation and subsequent deletion. 

XXXX continues to list the item, XXXX XXXXXXXX XXXX VA XXXX XXXX ..., claiming the information is still being reported and/or provided to them by Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I live in NY. I received an e-receipt on XXXX/XXXX/16 that my Macy 's card was used for a purchase made in XXXX XXXX, XXXX. I had the Macy 's card in my possession. As per Macy 's someone came in with my name on a Florida driver 's license and used the last XXXX digits of my SS # to make a purchase. I filed fraud paper work with Macy 's and also a police report with the XXXX XXXX police. Still waiting for Macy 's to complete investigation. Also asked for info as to what they have discovered and they can not tell me. Recently I have fraudulent charges made with my debit card from someone in XXXX. I want Macy 's to clear my charges and advise what, if anything they have discovered regarding this fraud. I am concerned that it may be someone in Macy 's. I would like answers from them. It is over 2 months.

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 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: XXXX XXXX XXXX acquired my second mortgage from XXXX and never notified me of the acquisition resulting in 60 day late payment. They claim to have sent a notification mail to my physical address but this was never received. I also confirmed later that they had two phone numbers and an email address that were still active options to contact me. XXXX XXXX XXXXXXXX made no attempt. This account is 10 years old and has never had a late payment despite being transferred 3 times to other mortgage companies previously. This was negligence by XXXX XXXX XXXX and should not be on my credit report. This is an extremely systematic and unfair reporting practice.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a Citi Gold Checking account in XX/XX/XXXX. The account was opened using a promotional offer that Citi had, which provided a bonus of XXXX XXXX XXXX miles ( worth approximately { {$500.00} } ) once the following conditions were met : 2 bill payments in 2 separate months within 2 months of opening the account and XXXX debit card purchase of {$1000.00} or more. I opened the account, and verified ( via Secure Message ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told ( in accordance with the promotional terms ) that the bonus miles will post within XXXX statements of completing the requirements ( which would have been XX/XX/XXXX ). It is now XX/XX/XXXX, and I have paid { {$90.00} } in monthly fees to Citi, and Citi has not upheld its side of the promotion. I specifically confirmed that I was eligible for the promotion via secure message, and as such do not keep promotional mail offers for 6 months. Citi customer service representatives have been unprofessional and uninformative when trying to resolve this issue after submitting an investigation with Citi. Their CSR is incapable of making any changes and implementing any resolutions, other than pointing the finger at different departments. My wife has an identical complaint, and has filed a CFPB complaint as well. From searching the internet, there are hundreds of people which Citi is not upholding their terms of the promotion, while still charging monthly service fees for not providing any " service '' other than ripping off their customers.

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 09/20/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Struggling to pay mortgage

Complaint: First, I am a XXXX XXXX XXXX XXXX Veteran on a fixed income of {$3300.00} per month, with a VA Loan and payment of $ XXXX monthly. I have been trying to get assistance for over a year since I lost an income amount of {$940.00} per month that I had been receiving. This is what caused me to fall behind. Please see hardship Letter and letter from Housing Counselor at XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. I went to XXXX, on XX/XX/XXXX at which time I was XXXX payments past due on my mortgage. The Housing Counselor submitted for a modification on XX/XX/XXXX when documents were reviewed I was declined for insufficient income. It was at this time I contacted my VA Rep-XXXX XXXX. XXXX discovered that they had doubled my car payments ( two cars ) which caused me to be disqualified. Once this happened, and the VA informed Freedom Mortgage, I was asked to submit again, which I did on XXXX, and again I was declined on XX/XX/XXXX for not enough income. Since our house was scheduled to foreclose originally on XX/XX/XXXX it was postponed. My wife, XXXX started working onXX/XX/XXXX for the additional monthly income of {$2100.00} which should qualify us for the modification. We do not want to lose our home. In addition I would like to tell you that XX/XX/XXXX has made many mistakes in my case review -- example ; Asking for wife to sign all documents, and actually had already been sent in to them, they requested a letter as to how much my wife was going to contribute of her pay to the housing expense, also sent in on a notarized Non-Borrower Form also had been overlooked. It make me feel like they do not want to help me and are discriminating me because I am a XXXX veteran. PLEASE HELP I NEED THIS MODIFICATION, I have XXXX kids and this would traumatize them.

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 03-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: In my original dispute regarding Navient, I indicated that I wanted promissory notes and was given one and then my direct loans application. In the response from the company, they indicated I also requested to consolidate a XXXX loan when on the application it clearly states that loan under loans I do not want to consolidate. I still do n't see my promissory notes with totals for what was actually consolidated other than my application which appears to have been processed incorrectly because they notes I consolidated a loan I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Bank of America ( BofA ) is in conspiracy with XXXX XXXX  located in XXXX XXXX CA and XXXX XXXX XXXX ( XXXX ) located in XXXX, CA. The XXXX extortionists companies filed Notice of Default ( NOD ) without notifying my family last year XX/XX/XXXX, our home is in foreclosure and they set an auction date on XX/XX/XXXX, so they are involved in predatory lending/debt collection. Our home loan was modified in XX/XX/XXXX and our mortgage payments are current with XXXX, which is BofA 's financial partner, so we are not aware of this 2nd loan from BofA,  XXXX XXXX XXXX. They are harassing my family to take our home by foreclosure and high pressuring us to make $ XXXX down payment on XX/XX/XXXX and starting XX/XX/XXXX $ XXXX monthly payments for 6 years and repay $ XXXX in lumpsum payment after 6 yrs of repaying their collection billing/repayment plan. Our family is suffering from severe financial hardship because we are a one-paycheck household, my husband, who is the primary borrower, is unemployed. We have XXXX school age children and I have very expensive healthcare expenses because I have XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i have made payments accurately and is in good stander but still is reporting poorly on my report bring my credit score down and keeping me from getting qualified for home loan. XXXX XXXX XXXX is filing claim

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I am in the process of purchasing a house for my family, and I see that I have two accounts in collection. They NEVER contacted me BEFORE passing this information on to my credit [ report ] they havent even sent me an account statement. I dont know what I owe this money for. Ive never even received telephone calls from them. 
I havent received any explanation about anything. They didnt give me any opportunity to verify the balances that they want to collect from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Bank of America took my business account overdraft protection off line. Allowed the fines to build up to a point with their trouble and then filled a collections agonist me. I had no idea I owed them money. I am an elder citizen and feel they have unjustly ripped me off. I 've been with them for 25 years and they have cheated me. Some rob you with a gun some with a fountain pen.

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 06/21/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: I am currently a customer of TD bank ... .small electronic debits were attempted from a merchant which caused my account to be overdrawn.the bank charged me XXXX in overdraft fees, i contacted them to have these fees reversed and was denied ... Imagine XXXX overdraft fees for a XXXX transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I applied for a XXXX Chase Mastercard which offered XXXX mileage points if you charged {$2000.00} within the first three months of activation. I live overseas and my card got lost in the mail ( probably returned to sender ). When I asked for a replacement card 1 year later I was told the points would be no problem. I put {$2000.00} on the card within one month, but my request for the mileage points were denied. There was no activity on the original card and I had the new card sent to my address here in XXXX. XXXX blames Chase and I am asking for help here. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Debt collection (Medical debt) with Medical Business Bureau (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX XXXX, 2017 I received an alert from XXXX XXXX XXXX that a collection was added to my XXXX and XXXX credit report. I have never received a dunning letter from this company to validate or dispute, the account was just added to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are several hard inquiries on my credit file that significantly impact my score that I did not authorize. Here is a list of the inquiries and dates : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXc XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Federal Adjustment Bureau, Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Filed a police report in regards to fraud

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 02-01-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Hoping for a mortgage modification that is affordable. Submitted all the paperwork to Ocwen back in XXXX 2016 as of yet nothing has occurred. I had a hamp before " not affordable '' so I know it does n't take this long. I have complied with all their demands. The sale date of my home has been cancelled 4 times. there is a pending sale date for the XXXX of XXXX. When I call Ocwen they state that the foreclosure proceeding is on hold and the modification is under review. My relationship manager does not understand why it is taking so long. I am afraid the sale date will approach and a resolution will not have been achieved.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the creditors and the credit Bureaus of several attempts, about 2 accounts report on my file. I have know knowledge of these accounts and they are fraudulent accounts. I would like the accounts to be investigated and if verified, I would like the verified information sent to me. The name of the accounts are XXXX account number XXXX, and XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with TD BANK US HOLDING COMPANY (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls virtually everyday.  Caller ID shows up as "XXXX" and they say they are the collection agency for "XXXX".

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have incorrect information shoeing a car repossed and late payments on my mortgage which i have never been also it shows late payments on a joint account i never agreed to its all errorz. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XX/XX/XXXX, I initiated a credit freeze on the EquiFax web site, given the recent data breach at this company, in order to protect myself. 

I paid {$5.00} that was charged for this service ( which is part 1 of my complaint : given the XXXX data breach, this fee needs to be waived ). 

The confirmation page on the web site ( see attached PDF ) makes loud reference to having to print with an " Adobe Print '' button. On my screen there is just a large empty square with no buttons visible. The PDF is an exact replica of my screen. The Terms mentions no requirements, warnings, or remedy avenues. 

Presumably, this page should show a PIN which will be needed to temporarily suspend or modify the security freeze. Right now, the service I paid for is incomplete. 

I searched extensively for a way to contact EquiFax to clarify this matter. The only phone information on the web site was for Business Customers, or for people to order a credit report ( through an automated system ). The ( Business ) phone number I called disconnected me without comment. 

The other two credit report companies ( each of which also charge {$5.00}, which I believe EquiFax should pay ) at least offered emailed copies of the PIN information, so there was not a single point of failure as with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/2017 I was alerted to a security breach within the credit reporting agency Equifax, I immediately went to their site to see if my personal data was impacted by the breach and was confirmed that it was. Per news reports, this breach was known about internally at Equifax for up to 6 weeks before they alerted the public to the massive breach of security. Equifax has " offered '' to have me sign up for their credit monitoring service, which is only free on a temporary basis -- despite the fact that this data breach could have effects lasting the rest of my lifetime. Additionally I 've read the terms for that particular service would bar me from legal recourse moving forward. I believe this to be an underhanded attempt to limit liability rather than an honest attempt to help consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: I have XXXX recent issues with TD Bank regarding XXXX different accounts. Both complaints have to do with excessive charging of fees. The first is TD Bank assessed charges against an estate account which dipped below {$100.00} as I was in the process of closing the estate and account. The fees they charged caused the account to go into the negative. that is the only thing that caused the account to go negative. I fought that and got most ( but not all ) of the charges reversed. The 2nd item involved TD Bank clearing unauthorized charges against a business account which put the account into the negative and then charging fees for being overdrawn which made the negative balance larger. I was unsuccessful in fighting TD on reversing these charges and had to deposit {$65.00} to bring the balance to XXXX. At this point I closed the account to stop the madness. When I again tried to get charges reversed I was told they could n't do anything about a closed account. All of this is deceptive and designed to extract fees from consumers.

Company response to consumer: Closed with monetary relief