milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Citibank offered {$500.00} bonus for opening a Citi Priority account from XXXX. The required banking activities to earn {$500.00} are : 1, to qualify to earn a {$500.00} cash bonus, you must open a new eligible consumer checking account in the Citi Priority Account Package between XXXX. 
2, within thirty ( 30 ) days of account opening you must complete the following : - make a qualifying deposit of {$50000.00} or more in new-to-Citibank funds into the new checking account or your new or existing Citibank Saving Plus or Citi savings account, and maintain a minimum balance of {$50000.00} for sixty ( 60 ) consecutive calendar days following the date you make your qualifying deposit.
- Enroll you new checking account in paperless statements.
I opened a new Citi priority checking account package on XXXX/XXXX/XXXX and funded it with {$50000.00} new money on XXXX. On the same day, I enrolled my account in paperless statements. 
On XXXX/XXXX/XXXX, I got an email saying that I could not get the {$500.00} bonus because I did n't fulfill the requirements for this promotion. But the truth is I opened the account and completed all the requirements In XXXX. 
I called Citibank on the next day. The CSR told me they would deposit {$500.00} into my account within 3 business days. After one and half month, I have n't got my {$500.00} yet. 
I attached the screenshots and the document about the promotion. Please help me to resolve the problem. 
Thank you.

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 08-01-2017 about Debt collection (I do not know) with AFNI INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was in the process of disputing a debt with a debt collector AFINI. AFNI XXXX XXXX XXXX XXXX, IL XXXX RE : XXXX / {$170.00} - I sent them a request via certified mail on XX/XX/XXXX to validate the debt. - They were unable to provide any documentation or proof that the debt was indeed mine. - I followed up via mail again with " failure to respond '' and received no response from them. - I sent them one more letter via certified email on XX/XX/XXXX as they were not following the stipulations of the law and requested they remove this debt. It is not mine and they are unable to provide me with any documentation or proof to show otherwise. During this dispute process I can only assume that AFINI ( unable to provide proof of the debt ) sold it to a new debt company to cut their losses. This new company ( XXXX XXXX XXXX, XXXX ) has now started to reach out to me. This is unprofessional and an inconvenience to me. While working on trying to resolve this with AFINI they have inconvenienced me even further. Instead of doing their due diligence they just passed it on to someone new. I will now have to start the dispute process all over again with this new company.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Debt collection (Mortgage debt) with SUNTRUST BANKS, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: SunTrust mortgage Charged off a 2nd mortgage of {$60000.00} in XX/XX/XXXX. I have credit reports to document charge off status.

InXX/XX/XXXXI asked to have charged off account deleted from my credit report to assist in credit rebuilding. I have a letter from Suntrust Deleting the Trade Account.

SunTrust did NOT release the lien on the property. I am attempting to refinance and being told I must pay back {$55000.00} to clear title.

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 05/20/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I pulled a copy of my credit profile through  XXXX  and saw that a collection accouunt regarding account #  XXXX , which Portfolio Recovery claim I owe {$570.00}. This is not my debt. I sent a certified letter to company which returned back to as " unable to deliver. '' I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I hav  e ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX   ) from your com  pany or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCP A 807 [ 15 USC 1962e ] ; theref ore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX 2017 Phoenix Financial Services I recieved a collection letter. I dispute this debt as not belonging to me. I would like a debt validation letter sent to 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 05-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with United Recovery Solutions (MS).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I got an automated message asking me to call XXXX. When i called the number a gentleman asked me for my number. I asked him who I was contacting and he said United Recovery Solutions. I asked him what they do and he said Collections. I gave him my number and he said it was in regards to an account with XXXX. I asked him how old the debt was and he said 6 years. I knew that debt was more than 12 years old so I informed him that that debt was more than 10 years old. The gentleman started calling me a bad father and a " XXXX '' for hiding behind the statue of limitations and said he will call me constantly about this debt because I ca n't stop him. Is this a violation of the FDCPA?

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I contacted Transunion on XXXX at XXXX am get and spoke with XXXX XXXX in the XXXX Special Handling department. I advised XXXX that due to a glitch in Transunion 's system in XXXX of XXXX and XXXX XXXX I had inquires to be removed and added back without a 5 day written notice as federal law requires. XXXX refused to remove the hard inquires from my credit file permanently and stated that they do not have to provide written notice when adding them back. This is causing an undue hardship as it caused my credit score to drop drastically do to their glitch. I feel that I am continuing to victimized by Transunion due to their negligence. Please help me get this resolved and those inquires removed.

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 05-06-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: I have asked Macys department store to stop calling me at work on XXXX occasions now and told them I would report them if they called here again. 
The first time was this past Monday, XXXX XXXX and the rep claimed she removed my work phone number from the database. I got another call this morning and told that rep that I will file a complaint if they call here again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Bank account or service (Checking account) with U.S. BANCORP (OH).
Issue: Account opening, closing, or management

Complaint: I had a checking account at US BANK. someone use my account by Fraud. I have sent letters. There put me on XXXX. It is not my Fault.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit determination

Complaint: In XXXX of 2016, I applied for a " Costco Anywhere Visa Card by Citi '' and was given a line of credit of {$11000.00}. After 5 weeks, I did not receive the card in the mail. I contacted CIti at XXXX and was transferred to the fraud department. I spoke with XXXX XXXX, employee # XXXX. I was informed by the rep that Citi sent the credit card to a different adress. The rep then stated I could not receive another card without " verification '' of who I was. The rep began to ask " verification '' question pertaining to my home loan and other information that I did not provide to Citi when I applied for credit. I did provide my full SSN and password. However, that information was not sufficient to very my identity and the rep told me they could not help me. I am concerned my credit card may have been given to someone else who may be using it without my consent. Citi is refusing to give me any information or any form of help whatsoever. They " are very sorry '' though.

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 10/25/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MN).
Issue: Settlement process and costs

Complaint: We refinanced our mortgage in XX/XX/XXXX. We are just finding out NOW, 14 years ago, that satisfication of mortgage was never recorded at the county. It seemed very strange that we had refinanced XXXX times since XX/XX/XXXX with XXXX XXXX, but apparently this was missed - THREE times. After speaking to XXXX XXXX to ask why a title search was never done, they said that is the title companies responsibility ( which seems rather puzzling thinking this is what we paid closing costs to have the confidence that the tiltle had been searched ). 
The servicing company that we had previously was called XXXX XXXX. It took me months to go back 14 years ago to find this information. Would have been a lot easier to track a year later when refinanced in XXXX. XXXX XXXX is out of business and merged with a company called XXXX XXXX XXXX. XXXX XXXX XXXX changed its name to Seleect Portifolio Servicing. This company ( Select Portifolio Servicing ) is who we have been trying to get this satisfaction of mortgage from. Even though this shows paid in full on XX/XX/XXXX on our account - no one seems to be moving on this, calls me back, etc. even though I have requested escalated status and call several times a day ( several supervisors who never call me back ). We want to take out a small home improvement loan and we are not able to do this since this lien still shows on our title. It has been a nightmare dealing with this for the last two months. Is there a law in MN that this needs to be released in 60/90 days. We are at 14 years and STILL waiting. 
Please help ... ..thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On Friday XX/XX/XXXX ( the due date for my student loan ) I noticed that my student loan bill from Nelnet was still showing as due. In fact it showed that the payment was overdue and my new amount due by XX/XX/XXXX was {$1100.00}. Thinking I had somehow missed my payment I scheduled a payment to be made on XX/XX/XXXX. I thought I had made the payment previously, but I checked my account and could not see any pending payments or anywhere where I had scheduled the payment already. 

Then on XX/XX/XXXX I saw that two payments were being processed from my checking account. Apparently I had scheduled a payment for XX/XX/XXXX at the end of XX/XX/XXXX. Since the website did not show this payment I was induced to pay the student loan twice, wrongfully. 

I called Nelnet and asked them to reverse the second payment on my account. They refused. I asked them why they do not show scheduled payments. She had no answer and said I could file a complaint. I told her their website should clearly show to the consumer when they have already scheduled a payment. She said she would note that on my complaint form. 

It appears that Nelnet has purposefully set up their website to cause confusion. In fact one could argue their website is misleading. I truly thought I had missed my XX/XX/XXXX payment when I did not. They said they will apply the double payment to my XX/XX/XXXX statement. But that does not solve the problem. Their website should clearly show when payments have been previously scheduled. I do not get any benefit for paying my XX/XX/XXXX payment early. They seem only concerned about collecting the money. Nelnet does not seem concerned that their website is misleading.
This issue should be addressed since it is very simple fix. Nearly every company I do business with online shows your scheduled payments. There is no reason Nelnet does not do it. One can only assume that they are purposefully leaving this option off their website to mislead consumers into paying their accounts early through erroneous double payments. Luckily I had funds in my account to cover this double payment. But someone else who makes this mistake may not. 

I have contacted my bank and been told that the only thing I can do is dispute the ACH. By the time that dispute is done I will have to make the XX/XX/XXXX payment so I should just let the payment stay. 

Nevertheless, Nelnet should be made to address this complaint. Their website is misleading. They need to change their website so that consumers can easily tell when they have already made their payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There has been an enormous amount of fraudulent inquiries on my credit report due to my personal information being hacked. I have reported this to each credit bureau identifying that I have been a victim of fraud. The only credit bureau that has been great with helping me is XXXX. XXXX XXXX and Equifax refuse to investigate the fraud inquiries listed on my credit report that were all done online, not one of these inquiries were done in a store where I had to verify identification. I have tried to dispute these inquiries but the Credit Bureau continue to response and say that the information is a factual record, however ; it clearly indicates fraud. Some of these inquires are listed twice by the same creditor on the same exact day or within 30 days, clear indication of fraud. No creditor needs to pull a hard inquiry more than once in 30 days. I have urged them for their assistance and they refuse to be of help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The student loan that I 'm complaining about. Transferred my account without me being informed by phone or letter. Then they put a 30 day late on my account this is from 2009. They closed the account and now it 's been updated on my rcredit report as of this week cause I disputed they in accuracy on my report. I do n't own this account and I do n't owe them anything. They even said on my credit report that I 'm not responsible for this debit. Can you please help me to get this removed. It 's showing on all XXXX credit reports now. Please help. When I called XXXX and XXXX they told me I had to pay them to have them check my report. This is not right. I have work so hard to build my credit and it went down because of tbis issue XXXX points. I 'm so upset about this.

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 01-07-2017 about Debt collection (I do not know) with Alorica Inc. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am XXXX and in poor health. Though on the Do Not Call list, I continue to get recorded robocalls from this company. If i answer, they want to put me on hold. If I do not answer, they never leave a message. Caller ID shows Global Rec Sol. My research indicates they are agents of Global Receiving Solutions, a wholly owned subsidiary of Alorica. I have absolutely no business relationship with this company and have never owed a debt to them or any other company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CT).
Issue: Managing the loan or lease

Complaint: I would like for the Department to look into the payment of my auto loan with Ally Bank. Since the inception of the loan, I have paid little more than what is due monthly XXXX - XXXX % of the time. The extra monthly payment made was to be applied to additional principal, but I have not seen this clearly computed. I have not missed one payment for the duration of the loan. I have spoken to their Customer Service Representatives several times but no satisfactorily answer has resulted. I have asked completely payment history of the loan many times but that has not been provided. However, the partial payment history proved on line will support my complaint. 
The account number in question is XXXX Thank you for your intervention. 
XXXX XXXX and XXXX XXXX Here is our contact information : Mailing address XXXX XXXX XXXX, XXXX XXXX, CT XXXX Cell phone : XXXX XXXX Email : XXXXXXXXXXXX

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 05-01-2015 about Payday loan () with CASHCALL, INC. (IL).
Issue: Charged fees or interest I didn't expect

Complaint: I am being charged for a payday loan in the amount of {$5000.00} with an interest rate of 115 % from CashCall formerly XXXX XXXX and XXXX XXXX ( both no longer in business ). I have been paying the loan for almost 3 years in the amount of $ XXXX/month, and the balance is only {$5000.00}. As it stands the loan will not be paid in full until XXXX/XXXX/2019. I have tried to settle with CashCall but they will not budge. I find it hard to believe that this high interest rate is even legal in Illinois. Not to mention the fact that they have sold my loan XXXX and now neither company is no longer in business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: After 23 years of membership, AMEX changed the terms of my membership WITHOUT notice to me. I was a Platinum card owner and had no preset limit and had the extended payment option on my account. I made a {$2500.00} payment last billing cycle with the written understanding from AMEX that my account had the embedded extended payment option. Recently, I received notice from AMEX that my entire balance was due and AMEX charged me a {$38.00} late fee. AMEX also charged me {$450.00} to renew my card. I called AMEX on XX/XX/XXXX and told them to cancel my membership immediately as of XX/XX/XXXXand provide me with my balance. I made 2 payments last nite. One for {$3000.00} and the next for over {$6900.00}. I asked AMEX reps if the balance included the renewal fee. AMEX confirmed that the balance given to me did NOT include the {$450.00} membership renewal fee. This morning, I checked my accounts online and AMEX defauded me into believing that they did not charge me a renewal fee. I now have a CREDIT balance of {$780.00}. When I asked AMEX on XX/XX/XXXX, why they lied about removing the {$450.00} renewal fee. They told me to file a dispute online. I want my {$780.00} refunded to via wire transfer immediately. AMEX should not get free use of my money when they clearly defrauded me by lying about my account balance and renewal fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX, 2012 when I moved to my current apartment, I contracted with XXXX to provide me TV and internet service. When the tech came to my apartment to install the dish, he told me they could not provide service because they could not see their satellite. I understood and contracted with my local cable company to provide service. I received a bill from XXXX shortly after this and I called them to explain the situation and they said they would cancel the bill. I never received a bill XXXX ( the internet provider ) so I assumed that their service was also cancelled. About six months later I got a phone call from a collection agency telling me that I owed XXXX {$440.00} and they were attempting to collect it. I explained to them that I did not owe these charges and that I never received a bill XXXX. I have not to this day ever received a bill from XXXX and that if I had I would have dealt with the issue at the time and it never would have gotten to this stage. The collection agency has placed a collections item on my otherwise impeccable credit report and I would like to have it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Rewards

Complaint: The reward from my Bank of America XXXX XXXX XXXX in the form of miles ( XXXX for every dollar spent ) are not reaching my XXXX account. Innumerable calls to XXXX customer service department has been useless in solving this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation