milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: This complaint is targeted to a program advocated by CitiBank. 
Per my friend 's recommendation, I applied for a Citigold checking account owned by CitiBank following the link on the internet in XX/XX/XXXX. The promotion advertisement listed the following conditions : 1 ) Open an account with CitiBank. Deposit money. 
2 ) Make payment for ( 2 ) consecutive months 3 ) Make a purchase worth {$1000.00} As a result, we will be awarded XXXX XXXX points. Meanwhile, Citi will charge my account {$30.00} per month for three months if the deposit is less than certain amount ( Maybe {$50000.00} ). 
The application was accomplished in no time with a promo code. Money was deposited. Payments and purchase were made. XX/XX/XXXX, my husband called Citi to inquire about the status of XXXX points and was informed that we had met all the requirements and the claim had been setup while the process would take up to three months to complete. XX/XX/XXXX is the date we should call back for the final result. 
On XX/XX/XXXX, my husband called to follow up. After spending more than half an hour waiting and explaining, he ended up with a lady who said she needed to confirm some information with someone and would call him back in one hour. We waited and waited and waited ... 
After more than two hundred and forty hours of waiting, we knew nobody would call us back and realized it was a scam from first place. On XX/XX/2016, I logged on to my online account, ready to request to close my account, only to find out that Citi started to charge {$30.00} since XX/XX/2016. Shocked, I had an on-line chat with a Citi representative, who helped to start an investigation which was supposed to complete in several business days. Hearing no further result after five days, I chatted again with another Citi representative to accelerate the process. This time, a document was received to promise a result in 24 to 48 hours. 
After two days with nothing coming, I chatted for the last time with a Citi representative. Not to my surprise, I was given an excuse that the promo was offered to targeted customers while I was n't. If that is true, why did citi post an advertisement on internet and gave me a promo code? Nothing had been fulfilled except charging me {$90.00}? 
The conversation ended unpleasantly. I ordered them to close my account instantly, meanwhile, warned to file a complaint to CFPB. 
My request to solve the issue is either citi should award me {$50000.00} AA points or refund me {$90.00} and apologize for wasting my time.

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 09-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: The original loan was in excess of {$50000.00} to XXXX XXXX XXXX, we got caught in a financial crisis and were unable to repay correctly. They merged with or sold the loan to Greentree Financial who then sold the loan to Ditech Financial. During this we have continued to repay the loan to the extent the current balance is around {$12000.00}. We have every intent of repaying this loan completely. Our issue is that all of the compamies involved, XXXX, Greentree and Ditech are reporting the same loan as delinquent, charged off or a collection account. Since Ditech has had the loan we have not missed or been late with a payment. I do n't feel it is fair for all the companies to be reporting the account in a negative fashion when it is obvious we are trying to do the correct thing by paying the loan down and ultimately off. Other than the fact it was originally a collection account when Ditech got the account they should not be reporting as delinquent or in a negative fashion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (I do not know) with National Principal Group, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is calling my ex husband leaving rude threatening voice mails claiming to be looking for my whereabouts, saying that if someone does n't respond there will be legal action and they will continue to call until someone answers. That they will continue to go through a list of contacts of known associates until I contact them. When I called the phone number a woman answered the phone, she never stated what company it was when she answered so I asked what was the name of the company she told me it was NP Group. I then asked what kind of company this was ; were they a bill collector, she was immediately defensive told me it was an investigation company. I then asked the type of investigation the company did, her reply was HIGH RISK. I asked high risk for what, she then asked for the number that was called so she could tell me what dept. so I could be routed. I told her no thanks and she stated we wont stop calling you its going to continue and then hung up on me. I have not received any calls or letters regarding any past due monies owed. This company and employee I encountered is completely unprofessional and is harassing my family. If they want to contact me they can send a certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. I have lots of inquires on my credit that I did not authorize nor did I know about. These inquiries are affecting my score in a negative way. I lost my wallet last year which had my drivers license, social security card in it. I have 2 credit cards one is XXXX XXXX and the other is old nave which I am a authorized user for the XXXX  XXXX. My score was in the 700 's now it is in the high 600 's. Remove these immediately! I do not own a home, I do not own a car. The inquires in dispute are : XXXX XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Supermarkets XXXX/XXXX Inquiry : XXXX XXXX, 2017 +  Complete Dept. Stores XXXX Inquiry : XXXX XXXX, 2017 + Personal Loans Cos. 
XXXX XXXX Inquiry : XXXX XXXX, 2017 + All Banks XXXX Inquiry : XXXX XXXX, 2017 + National Credit Card Cos.

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 03/19/2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (FL).
Issue: Account opening, closing, or management

Complaint: ALLY bank doesnt accept other form of identification but a social security number

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX I applied for my first mortgage with XXXX and this was my now ex wifes second mortgage due to her bad mortgage decision for the townhouse in XXXX and multiple debts. The mortgage was about XXXX plus I had to get a loan from my bank for an extra XXXX for the extra debts, etc.
We separated XXXX, divorce final XXXX. In the decree the judge said that she had until XXXX to refinance or sell the townhome. She was not allowed to extend any more further debt or new debts in my name. And was solely responsible for any and all responsibility for the property and she had to show me the property note and once she proved that it was clear, I would be released from the deed.
By XXXX, she drove 2 hours to a different XXXX and had a loan modification approved, extension of terms from 30 years to 44 years, was given a advance in the amount of {$25000.00} that is now a deferred balloon payment.
She 's also filed and forged my signature on tax returns to claim the mortgage interest that was in my name alone without my permission or knowledge plus used my information to receive tax information for loan modification and hardship application just recently as last month.
I have not received any information on the application or the fact that it was done and done against a permanent court order. I have no idea what information was used in approve the request for modification and I never signed anything.
Plus she 's not paid escrow, property insurance, nor real estate taxes. I was garnished up until XXXX then the 3rd mortgage lender paid her debt of almost 9,000.
She also fraudulently filed a claim for hurricane damages citing 4 months of damage and hardships. Her property was barely touched and the mortgage company released XXXX to her for the claim for damages.
On top of that, she 's had a note loan on the property that she keeps getting refinanced. This last refinance was for XXXX, before that XXXX and before that XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 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: Account status incorrect

Complaint: I paid my account about 3 months ago and its still showing up on my credit report. I contacted the collection agency and they said its an Experian issue and they need to update their records.

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 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit report. The following inquiries on these dates were not authorized by me : XXXX Dates : XX/XX/2017 XX/XX/2017 XX/XX/2017

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 04-05-2016 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Credit decision / Underwriting

Complaint: was pre approved by 5th 3rd bank. my reference # XXXX for pre approval. we proceeded to shop for homes. found a home within my budget put down a {$10000.00} deposit with the realty company. i contact the bank to process the loan and set up a closing. they did a home appraisal and we had a home inspection/wind mitigation done. only to be told a week later that underwriting turned me down after giveing me a pre contract. i was told i would recieve my money back and that the original mortgage broker who first worked on the loan had quit and made a mistake. regardless of whos fault it was, its was still a licensed certified mortgage broker representing fifth third bank. Now no one from fifth third will contact me back about refunding the home inspection monies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-06-2016 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016 I received a call from a representative of BB & T inquiring as to whether or not I knew a XXXX, I responded No. I was then informed that it appeared that checks had been counterfeited, they did not match my checks and the signatures did not match but XXXX checks # XXXX - {$1700.00}, # XXXX - {$1700.00}, and # XXXX - {$1700.00} had been processed against my account. The account was obviously overdrawn and more so with overdraft charges. I was advised to go to my bank branch and file the necessary fraud documents, which was done immediately. The bank representative advised that we closed the affected account and open a new one. This also was done, we now had only one check to access the new account, but were told our existing debit cards would be linked to the new account. This only partially worked and only one card was linked, so that when a medication copay of {$2.00} was charged against that card, it was denied, and were were charged another overdraft charge on the old account. A bank representative was able to fix the link for the debit card. Then things got worse, we were told it would take approximately 10 days for the money to be restored to our account. After 10 days, I called, the rep told me the case was being investigated, and she provided me a case number and a phone number to contact the fraud unit directly. I contacted the fraud unit and was told that there was no definite time that the funds would be restored and it could take as long as 90 days. I went back to the branch office, the rep called and was told that an investigator would be assigned on XXXX and to call the fraud unit for an update at that time. In the interim I have been forced to withdraw funds from my 401K to cover property taxes, property insurance, and my mortgage payment with this same bank. I have had to contact Social Security, our life insurance companies, and all those with whom we have direct deposit agreements to make the appropriate changes. I feel that the bank 's resistance to reinstate my funds is unacceptable, this situation was a result of problems with their security and not my effort to protect my account. The bank informed me of the problem initially before I even knew it existed so they knew there was something wrong, with that said, I feel they are not responding reasonably.

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 02-08-2017 about Bank account or service (Other bank product/service) with Comerica (CT).
Issue: Using a debit or ATM card

Complaint: on XXXX, i used my Direct Express Debit card ( US TREASURY SSA PMTS ) to withdraw {$400.00} which incurred a {$12.00} international transfer fee, as well as a {$3.00} ATM fee. the first attempt errored, and no cash was dispensed. we talked to the bank, who admitted the machine had a problem, and just to try it again. we did, and successfully got the money. where the problem was, came from the fact that the first attempt did a pre-authorization, costing us a double debit against the card. 

we contacted the bank again, and got the printout proving that their system at XXXX " XXXX '' had indeed credited back the account within 2 hours of the error. ( ATTACHED ) We called into the call center for resolution as this still had n't credited back by the XX/XX/XXXX ( ruined our XXXX, as the money was for the gifts ) they said it usually took 30-45 days. but they would investigate. 

on XXXX XXXX we received a " credit back '' and we therefore felt this had resolved. 

on XXXX XXXX, we suddenly lost {$400.00}, with fees of {$3.00}, and {$12.00} respectively. When i called customer service, to find out what happened, i was informed this was done by the level 2 resolution center. and after explaining to the person that they needed to stay attached to the call until the system properly transferred, or the system would drop me, the agent ( XXXX ) became argumentative, and hung up ( this happens a lot, look them up in the BBB in Texas, they have an F rating ) i then called back in and finally made it to level 2, where i learned the payment on XXXX XXXX was a " temporary " credit, and it had been pulled back. they said they sent a letter, but no documentation ever showed either on the filing XX/XX/XXXX or the " credit '' issued XXXX XXXX, XXXX they still have not resolved the original error from XXXX XXXX. 

when i explained all this to the level 2, he became argumentative, so i asked for a supervisor, who became threatening. they would do nothing, so i asked for a phone number for corporate, which was refused, they only offered a fax number, and when i asked for the name to adress it to, such as their CEO, or Lawyer, i was told they ca n't give that information out due to requirements of the SSA, all i want is my money back that is due, but it seems clear they intend not to deal with it. 

today is the XXXX of XXXX, almost 3 months since the error documented in their own records.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Debt collection (I do not know) with National Credit Adjusters, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I ordered copies of my credit report and noticed an account with National Credit Adjusters in the amount of {$1200.00}. I immediately filed a dispute with the bureaus to dispute the debt and additionally forwarded correspondence to National Credit Adjusters to validate and verify this debt by providing signed contract information and other various debt validation information ( creditor, debt amount, what the debt pertains to, contracts, interest, fees, etc ). 

By law I am aware that dunning letters are supposed to be sent to consumers to allow them an opportunity to dispute accounts/debts within 30 days. To my knowledge, I have never received a dunning letter from National Credit Adjusters, nor can recall engaging in business with National Credit Adjusters. 

On XX/XX/2017, I received a response letter from National Credit Adjusters informing me that they were in receipt of my dispute, and that per their letter, " To properly investigate this dispute may take more than 30 days, as only 30 days is seldom a sufficient amount of time for research and investigation. '' This response is alarming! Per the FCRA and the Texas Finance Code, by law a company should be able to validate/verify a debt, and in the event they are aware that they can not within 30 days, they need to remove the trade line from the credit files. 

By law, this information is not supposed to report on a credit file with XXXX, XXXX and XXXX unless it was substantially verified and validated with the required information as established by the FCRA. Therefore, if this was completed, 30 days is sufficient time to furnish the information to a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: LVNV Funding had me summoned XX/XX/XXXX, and after XXXX court dates and no validation of the debt during all XXXX dates the attorney representing them dismissed the case on XXXX XXXX, XXXX in court and, in XXXX county TN. They were suing me for XXXX. I recently looked at my credit report and they are still reporting, and now the balance has risen to XXXX. They could never provide validation of the debt, and it was in a name which I have n't used since XX/XX/XXXX, due to a divorce. I want this removed from my report immediately. I can provide documentation, but do not have it at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
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: This correspondence is in response to my request for a courtesy/good-will credit retraction and the response I received on XX/XX/XXXX. In the letter I was told that such late payments on credit reports could not be removed due to regulations promulgated by the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX XXXX XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Here is a link to the FTC advisory opinion I am referring to in the rest of this letter. https : XXXX The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( XXXX ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
XXXX XXXX XXXX representatives told me that because the delinquent payments were accurately reported in XX/XX/XXXX and XX/XX/XXXX and that XXXX XXXX XXXX will not update this information. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Double reporting of debt

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX is not being reported correctly again. The date the account allegedly was opened is confusing and looks to be in error. The application was signed XXXX/XXXX/XXXX however they are alleging the account was opened XXXX/XXXX/XXXX. The full payment history including all of the credit card statements were not submitted as per XXXX XXXX. The billing practices are in question now, due to not giving full disclosure on the biling and the payment history which was also requested with Case XXXX.Where is the proof that they confirmed the open date of the account. There all sorts of inaccuracies and incomplete items regarding the reporting. The credit bureau indicates the account was opened on XXXX/XXXX/XXXX. For all of XXXX up to XXXX XXXX how can I assume the reporting was done properly and correctly. 
Experian is not PROPERLY reporting the date the account was opened

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