milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I am complaining about my experience at the Citibank branch on XXXX XXXX in XXXX. I visited the branch with my mom to check our checking and saving accounts, but we were told that my mom 's checking and saving accounts were closed due to inactivity. To even more of a shock, we found that her account was deducted monthly service fees for years while she was abroad until the point that Citibank decided to close her account and report unclaimed property to the State of California. 

I acknowledge that it is her fault not updating her address, but there is a contact number and email on file. If Citibank did exert a minimal level of due diligence, they could have easily reached her without having to resort to this action. 

As we met with XXXX XXXX XXXX, the Branch Manager, not only did he act like he was not able to help but also show contempts towards us! He said : " when your mom went back to XXXX, she should update her address. We have so many international clients, and we can mail her statements internationally. '' First of all, we are not from XXXX - he judged us based on our races/appearance. Second, we already acknowledged that we did not update the address, so what is the point of repeatedly mentioning this without really addressing the problem. He then went on to say " we only have your mailing address on file, so that is the only way we can contact her, '' but he later found out that a phone number and email address were clearly listed in the profile. He was not actively trying to resolve our problem, and instead just beat around the bush to ridicule us. He did not show empathy to what has happened to us, and made jokes about there are people like us too by saying " there customers who thought they have their vacation money, but only to find out their money is gone. ( laugh from the manager ) '' I think XXXX XXXX XXXX was not behaving in the manner that I would expect from a customer service perspective. He was demeaning and showed contempts to customers. 

I hope you can seriously address this issue, because I am now very upset about Citibank 's lack of due diligence in verifying accounts of inactivity, deducting service charges without notifications, closing accounts without verification, and also the unprofessional demeanors of XXXX XXXX XXXX. Thank you for your attention.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: Trans union is burying the link to a free credit alert, and instead, pushing their own service that costs XXXX XXXX has documented the changes to their website in the days after XXXX 's colossal XXXX-up. 

XXXX XXXX XXXXXXXX The actual link to free credit alerts goes down frequently, if it 's functional at all : https : //freeze.transunion.com/sf/securityFreeze/landingPage.jsp It 's one thing that XXXX can not manage sensitive information properly, and are not being held accountable, but now you have the other two rival vultures doing their best to further deceive and inconvenience customers to a maximum. 

WHEN WILL SOMEONE STAND UP TO THESE COMPANIES?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Other debt) with The Receivable Management Services Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I attempted to hire the company to service my residential garbage disposal needs. However, I was disappointed with their services & cancelled immediately. 

My garbage was picked up one time on Thursday, XXXX XXXX. The next week, my garbage was skipped. The company had told me that they had two pickups per week. However, my garbage sat all week at the end of my driveway. After my garbage sat untouched, I phoned the company. I voiced my disappointment with their service & promptly cancelled. Then, I hired another local garbage service company.

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 07/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Carpenter, Hazlewood, Delgado & Bolen, PLC (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX XXXX XXXX XXXX, managed by XXXX XXXX has received a judgement against my home that I am attempting to sell as a short sale and the attorney representing them is not willing to submit a settlement to the XXXX XXXX XXXX XXXX or XXXX on the contrary they have said in an email to my Real Estate Broker that they are going to charge addtional fees on this file if he continued to ask questions of them regarding the debt settlement. They are forcing foreclosure upon me when HUD and XXXX XXXX have allowed them a settlement amount and they are not willing to negotiate their inflated fees and settle this account so my home can be sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED.

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 07/28/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage miles points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 

After enrolling with the promotion code, on XXXX XXXX, 2016 I contacted Citi through messaging and received confirmation that the offer was attached to my account. 

On XXXX XXXX, 2016, I confirmed with Citi through messaging that I fulfilled all terms of the offer and to expect my bonus around XXXX. 

On XXXX XXXX, 2016, I asked when will I receive my bonus AAdvantage miles and I was told that " Our promotion offers are available by invitation to specific targeted clients by an email listed and/or letter sent by mail from Citibank. " Even though I have a written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

On XXXX XXXX, 2016, I asked Citi again that I got written confirmation from citi represtative that offer was attached to my account but Citi denied and I was informed that my bonus would not be honoured. 


Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. The CitiGold checking account has cost me { {$60.00} } in fees so far and does not deliver its promised benefits. 

Citi must give bonus AAdvantage miles immediately and refund the {$60.00} fee that they have charged so far and or additional steps will be taken to collect my promised bonus and refund the charged fee. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds 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 monetary relief
Consumer complaint received 12/21/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: The summon was served to my ex roommate instead of me so i never received the summons. Now the credit card company has a judgment against me because I apparently " defaulted. '' What is my best course of action at this point? Discuss repayment however there is additional debt they claim I owe ( which 90 % are penalties ), or file for BK? Would disputing the judgement be an option since it was never served to me? This is the only neg that is still showing on my record all of my other revolving debts are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I Have disputed a fraudulent account which went into collections with EQUIFAX over 4 times. Each time they claim they verified status and they keep saying they have not received the documents I uploaded via their own websites and also that I faxed to them. I have letters from both the collection agency : The original creditor XXXX XXXX XXXX/ XXXX/ XXXX XXXX XXXX has also submitted and it is not getting updated. I would like this removed from my credit report however I am tired of disputing it with EQUIFAX. Fortunately I provided the same proof for XXXX and XXXX and they removed it also immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (I do not know) with Coastal Financial Solutions, LLC (TN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a missed call from phone number XXXX, when I called the number back a man answered saying " this is ( his name ). '' He would not identify himself further and started typing something. I asked if he represented a business of some sort and he would not answer. He did n't say anything else and told me to listen to my voicemail messages and call him back. When I listened to the messages there was only a man breathing into the phone. 
I called back asking if it was a joke, he got very aggressive in tone with me an would not answer who he worked for because he could n't find my phone number in his system. He then asked for my social security number and refused to identify themselves further. After prodding he finally told me he worked for " Coastal financial solutions '' an internet search reveals complaints that their employees are indeed aggressive and disrespectful, but they all seemed to identify themselves. 
I am concerned that someone is committing fraud as a false employee of the company looking for SSN 's or that I have an outstanding debt I am unaware of. I do not have any dings on my credit report so I am assuming the former. Please let me know if this was a legitimate phone number associated with your company or I 'll be reaching out to the FBI. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Credit card) with Vion Holdco I LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was sued by a creditor other than the original without properly notifying me of the lawsuit. The debt collector, Vion Holdings LLC, knowingly filed the lawsuit in a court that was outside the County where I live. After obtaining a judgment they were able to collect exempt funds ; levied my bank account for an amount that exceeded the original debt that had been timely disputed. They sent correspondence to me at my correct home address which enabled me to dispute the debt.The funds were seized while I was out-of-state to enroll my daughter at the University XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Mortgage (VA mortgage) with 360 MORTGAGE GROUP LLC (SC).
Issue: Struggling to pay mortgage

Complaint: During  XXXX  a property tax dispute caused me to get behind on monthly payments to  360 Mortgage. 360 pursued what I deemed to be a wrongful foreclosure. ( Please see 2 prior CFPB complaints for details ). Fort unately the foreclosure was completely 'cured ' in  XXXX  of  XXXX  and all court action/s dismissed.     Even so, as of  XXXX / XXXX / XXXX  my home is listed on a public web-site as in foreclosure. Apparent ly 360 while pursuing a punitive foreclosure based on a very credible difference of opinion h ired  XXXX   XXXX   XXXX  to market my home for sale.  XXXX   XXXX   XXXX  then published information on my house, that as of  XXXX   XXXX ,  XXXX , has not been removed, updated nor corrected. I recently sent 360 and  XXXX  instructions to take down the false information and immediately stop advertising my house as in foreclosure or having been foreclosed.     This information has resulted in damage to my credit, my ability to get a new job and/or my ability to transact business.  360 Mortgage demonstrated bad faith throughout this process and their failure to remove this information and/or instruct their vendor to do so continues a pattern of horrible market conduct that should be punished. 360 wrongfully pursued fore closure and then continued to market my house for months directing others to publish false, inaccurate, and incorrect information.     I spoke with  XXXX  at length and they assured me they were simply following the direction  of 360. I put both 360 ( and it 's foreclosure atty  ) and  XXXX  on written notice of this issue. As usual, I have yet to get a response. 360 has again demonstrated unfair trade practices, and perhaps breached RESPA requirements/standards.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Consumer Loan (Vehicle loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (GA).
Issue: Problems when you are unable to pay

Complaint: I 've been having several issues with SNAAC which is the company I 'm financing my vehicle through. On XXXX XXXX my vehicle got ceased because I was behind on a payment due to a tornado ripping through XXXX Georgia so I had to pay for repairs on my vehicle. Before I knew my vehicle was getting repo 'd I did schedule XXXX payments off {$400.00} and my recurring payment of {$330.00}. Later on that evening they took my vehicle and I contacted SNAAC to see what all I 'd have to do in order to get it back. They were like, you 'll get an email. Did n't receive any thing until a couple of days later. Payments were made and my account was back in good standing but still had difficulties on their customer service support side. They were all rude and unprofessional. I 'm in the XXXX and the last thing I need is to be without a vehicle. On the XXXX of XXXX I received my vehicle back paying a total of {$430.00} in towing fees and storage I guess. Today, XXXX XXXX, I get an official letter from SNAAC which is a " NOTICE OF OUR PLAN TO SELL PROPERTY '' letter with my vehicle id number and information. There 's a box checked off which states " WE WILL SELL THE VEHICLE AT A PRIVATE SALE SOMETIME AFTER 10 DAYS FROM XXXX/XXXX/2016. ASALE COULD INCLUDE A LEASE OR LICENSE. '' Not understanding why this is happening to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: i have a fraud alert on my file that i did not request. it has caused me to get denied on a credit card. i need any and all alerts removed i DID NOT REQUEST these alerts i am not a victim of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I need someone to take a look at how Nationstar Mortgage Company is handling my mortgage loan. I am on a fixed interest of 6.555 since XX/XX/2017. Lately, Nationstar has been charging fees that I do n't understand. I am trying to speed up my pay off by doubling the monthly payment, by the unforeseen fees are not helping.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I received an email from American Educational Services ( AES ) to my school district protected account. AES was offering a student loan consultation service for the student loan forgiveness program. I was told they were contracted with XXXX XXXX XXXX. I was charged a {$390.00} fee for their services. After speaking with Fed Loan Servicing, I feel as if this is a scam. They stated that I should not have been charged a fee for this assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: 100 % this debt was satisfied with a hardship program offered by the medical institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Navient keeps adding balances to my loan account. This is adversely affecting my credit score. I am currently in the process of financing and their frequent updates are detrimental to this process. Navient did not have my correct contact information and I was not notified when my loan was taken out of forbearance.
I took out the loan in XX/XX/XXXX with XXXX XXXX/Navient for the amount of {$23000.00}, the school I attended was XXXX XXXX University in XXXX  Georgia. XXXX refunded XXXX XXXX/ Navient the amount of {$7700.00} on the date of XX/XX/XXXX. Then reducing my balance due to {$15000.00}. Navient failed to provide me with the paper work showing my reduced loan balance that was due. Navient failed to provide me with the paper work with my updated reduced interested rate, and they failed to update my account online ( navient.com ) reflecting this change to my account, my account never reflected the reduced balance, nor the reduced interest rate. Navient has continuously charged me an illegal amount of interest and fees. I had to contact Navient and provide them with my updated contact info only to be informed that my amount due is {$36000.00}.
I have been paying on this loan since XX/XX/XXXX- XX/XX/XXXX ( view paperwork it is highlighted ).
Navient has been reporting incorrectly to the credit bureaus as FAILURE TO PAY. Navient has been reporting the incorrect original balance of the loan.
Navient has reported the loan as closed/charged- off and has been continuously reporting false, fraudulent, incorrect information.
Please view the paperwork I have attached. It will show the payment history over the life of the loan to navient as well as my credit report that has the incorrect balance and payment history remarks.
I respectively ask that the dates from XX/XX/XXXX - XX/XX/XXXX be removed and set to current. I also want all loans older than 6 years off of my credit report, as that is more than the SOL ( statute of limitations ) for my state. I request this error be corrected ASAP ( AS SOON AS POSSIBLE ), as Navient is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: i submit my application for a loan modification last week in XXXX and sent all requested documents 2 weeks later in XXXX, but i got and email stating that the one document need to be resent in the XXXX XXXX, which i did the next day only to be told i need to resend it again which i did three times, so now as of XXXX/XXXX/XXXX they have everything that was request but when i call on the XXXX, they still have not obeyed the law according to the homeowner bill of rights and stop all foreclosure action against my property, can you please help

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit Bureaus and collection company keep verifying and updating my account without sending proof of contract with signature. I also want to complain about not being notified within five days of reporting to the credit bureaus and that the collection agency was going to report to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (I do not know) with Worldwide Processing Group, LLC (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Forward Movement Recovery has called my phone repeatedly over the past month stating that they are location services trying to get in contact with me about a debt. They threatened to contact all references over voicemail if I did n't call back. They called my mother in law and threatened her if she did n't give my whereabouts. I have never done any business with this company nor any company affiliated with this business. They have gone too far.

Company response to consumer: Closed with explanation