milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WI).
Issue: Account opening, closing, or management

Complaint: Citibank had a promotion offer for getting XXXX dollars after opening the checking account, deposit XXXX dollars within the first month and keep the account for another 2 months. I opened the account on XXXX XXXX through the phone, I gave them the bank information that I want to transfer the money out and they sent me some documents to sign for opening the account which also included the bank information for transferring money from my other bank to citibank. I signed all the documents and sent them back to citi immediately, but they never processed my documents and they never initiated my deposit into citibank. It was XXXX XXXX that I realized I never received my debit card, which is a proof that they never processed my documents. I called citi again and asked why they never sent me the debit card and initiated the deposit, and the representative told me it was their mistakes. I asked her if I was still qualified for the XXXX dollars promotion and she said I did because it was their mistake, she also promised me that she will put a note under my account saying that it was their mistake that made me miss the XXXX month deadline and I was still qualified for the promotion. So I asked her if she needed the bank information to transfer the money out into Citi and she said she had all the information she needed and there is no need for me to provide anything else. So I asked her to initiate the deposit into citibank and sent me the debit card. She did it immediately and the money was transferred to Citi the next day. She also sent my debit card by overnight shipping that I was able to get my debit card the next day as well. After three months, I did n't receive my bonus. I called citibank several times explaining my situation to several different representatives, they were able to pull out my files and saw that everything I talekd to them was correct My debit card was never sent to me, my deposit was never initiated because of their mistakes, so they created XXXX consecutive investigations for me. But everytime I got the result back, it was the same reason, I did n't deposit within the first month of the account opening. Since I gave citi all the bank information that they needed to get the money from another bank when I opened the account through the phone, and I also sent back those documents through the mail, it was citi 's mistake that they never processed my deposit request and the representative I talked to on XXXX XXXX also promised me that I will get the promotion, otherwise, I would n't continue deposit the money and put it in there for more than three 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 09-02-2015 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company/collection agency has placed a debt collection on my minor son 's credit report. I have contacted the Credit Bureau Experian and after conducting an investigation on my dispute, they continue to jeperdize my son 's credit history with an account not belonging to him that is been obtained by someone else while he was a minor. Under law, no underage is to open, sign for, or acquire any debts. The account DOES NOT BELONG TO HIM!

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I had a Home Depot credit card for which is being issued by Citibank N.A . for which I am disputing the balance of {$100.00}. For many months I am getting statements that I owe money for a credit card for which I had but is closed now for which I called Citi Bank last year several times disputing the interest charge that started out to be about {$7.00} or so and every month I was getting charged interest and late fees. No matter how many times I tried to dispute this balance I was not able to resolve the issue. Some time last year I participated in survey for which I gave negative feed back for which Citibank was not happy being I then received an email of which had incomplete information. I responded back and received another email. I called the representative several times left messages being I was not able to reach her. I finally received a call back from another representative whom I could not talk being I was busy trying to take care of something serious. when I tried to call back unfortunately, I had misplaced my documents with the telephone numbers and the names of the representatives. In XX/XX/2016 I left for XXXX due to a family emergency and while there I received two telephone calls from Citi Bank for which I missed but called them back after the second call. I attempted one last time to resolve the billing dispute but unfortunately the representative refused to resolve the problem. I spent about 15 minutes or so on the phone for which my cell phone carrier had charged me for those calls and they were not cheap calls. Recently, I pulled my credit reports for which had negative reporting from Citi Bank for not paying the balance that started at {$7.00} and now has reached {$100.00} being today I received a collection letter from XXXX XXXX XXXX demanding this balance. I am sorry but I will not pay Citi Bank not one dime being they have refused repeatedly to resolve this problem months ago. Had they resolved this matter months ago I would not now have to file a complaint against Citi Bank who is ignoring me and my complaints. They have destroyed my credit of which is really uncalled for. I expect them to remove all the negative reportings and wipe out this balance. If Citi Bank does not resolve this matter immediately I will then have no choice but to take legal action against them of which is going to cost extensive legal fees. I am really upset and frustrated that Citibank destroyed my credit after I have been working very hard to keep it in great standing. Please investigate my complain. Please feel free to contact me if you have any questions in regards to this matter. Thank you Ms 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 monetary relief
Consumer complaint received 09-06-2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: our identity was stolen related to a sears master card, fraudulent charges were made on the card and I am getting harassed three to for times a day to pay a debt that is not mine, I have talked to there fraud department numourus times and they still send us bills and call non stop. I do have proof our my information was stolen on a copy of a statement with an erroneous address and phone number with my name, this all started XX/XX/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 monetary relief
Consumer complaint received 07-02-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX as the XXXX mortgage on this file, we have requested a copy of the valuation from the XXXX mtg Nation Star through the listing agent, and they have refused to cooperate and we are talking a larger loss and have a different valuation. The agent has sent XXXX emails with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Credit line increase/decrease

Complaint: To whom it may concern : I have had my XXXX XXXX XXXX card for a very long time and I was always very happy with it up until recently. I had emergency repairs in my house I had a leak and I live in a XXXX XXXX house and it was structural emergency that had to be fixed right away. I called XXXX XXXX to explain the circumstances and let them know I would be a few days late with my Minimum payment because of the emergency. Instead of working with me they cut my limit under my current balance and took of my pay over time feature away raising my APR up to 27.49 %. 
I have called and talked to several Mgr 's at XXXX XXXX XXXX most of the calls were out sourced to a different country which I went in circles trying to get something simple resolved. 
I had no other choice but to file a compliant with the XXXX and it still was not resolved after they mailed a letter to Corporate XXXX XXXX but nothing. 
I am quite aware that there is a Credit Card Accountability Responsibility and Disclosure Act of 2009 law that requires the card Issuers ( XXXX XXXX ) to provide written notice to consumers ( XXXX XXXX ) at least 45 days before the effective date of an increase in an APR or any other " significant change '' The 45 day advance notice rule is designed to provide consumers with sufficient time to respond to a change in terms notice which I got in 1 day notice by email that 's not fair. I paid my minimum balance of {$4800.00} and they emailed me for another {$13000.00} 2 weeks latter. I think my minimum payment was a few days late and I am current now but no one at all with work with me. I just want my terms put back the way it was before so I continue my good history with XXXX XXXX. Please let me know if you can help me resolve this they are not working with me even knowing they broke the law. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: We bought a car at XXXX XXXX, XXXX TN XXXX ... XXXX XXXX arranged the financing or the car purchased. XXXX XXXX, 2016 ... transaction date. XXXX XXXX did several inquires for the credit to be issued for the car note. Those credit inquires were to be counted as XXXX inquiry. Transunion Credit Bureau counted them as XXXX separate inquiries, however the inquiries were for the same purpose ... purchase a car. This is wrong and has not been revised..it is obvious same day ... same hour, same purpose, same vendor. 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 02/23/2017 about Credit reporting () with AFNI INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I contacted XXXX XXXX XXXX regarding a collection amount that showed up on my credit report showing I owe {$130.00} I spoke to XXXX in customer service on XXXX/XXXX/XXXX @ XXXX and she could not help me she transferred me over to XXXX XXXX XXXX collection department. I spoke to XXXX on XXXX/XXXX/XXXX @ XXXX and made me aware it was for service from XXXX XXXX. My issue with this is that the name on the account was originally on my sister 's name then it was transferred to me. I decided I no longer needed a landline so I cancelled the account but never received any bill regarding these charges until now. I am trying to purchase a home and it is affecting my credit score because this account was sent to a collection agency called AFNI , Inc . They could not prove to me that any letters were sent by XXXX XXXX XXXX and never received any letter from the collection agency AFNI, Inc. as well. If I do owe this amount of {$130.00} I do not have a problem paying it, but in all fairness this should be removed from all XXXX credit bureau companies. So I can move forward in purchasing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My father had a reverse mortgage wit h Champion. He pa ssed away in   XXXX   XXXX  . As his executrix of the estate, I have been working with Champion Mortgage to settle the outstanding debt and have informed them of my intent to submit the deed in lieu of foreclosure. I submitted the deed in lieu form on   XXXX   XXXX   XXXX  . While the deed in lieu of foreclosure option is being pursued,  Champion  contacted an attorney and started the filing of a foreclosure claim. The attorney,  XXXX   XXXX  in  XXXX , NY served me with the foreclosure action and left the document without an envelope with the doorman of my apartment building. The attorney followed up with a  2 p age letter of the suit sent to me in an envelope, then the letter with the attachments was separately mailed in an envelope marked personal and confidential, and finally a copy was sent in an envelope to my father 's address, which was forwarded to me.Therefore, the attorney intended all along to submit the documents via an envelope. So leaving a foreclosure suit in this manner with a doorman was done blatantly to embarrass. This action was quite unnecessary. I am extremely displeased that something so personal was left without an envelope with a doorman of an apartment building. My husband is on our co-op board and this personal information could have inadvertently been viewed by other members of the board. While I am listed as a defendant in the foreclosure suit as an heir, I am not personally liable for the debt. It is very distressing knowing that I am being fully cooperative with  Champion and have stated my intent to provide the deed. Even though the complaint is not really against Champion,  I thought this matter was something that should be raised to the CFPB 's attention.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Other mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased a new home in XXXX, XXXX on a contingency basis. Our current home in XXXX has not sold and therefore we can not go forward with the closing on the new home. On the XXXX of XXXX we received from the builder a Cancellation Notice, and were told that they sold our future home to someone else. We refused to sign the Cancellation Notice, due to the fact that the form was too vague and misleading, and asked the Builder to rephrase it, and/or delete the last sentence. They refused. The Notice states : by signing this Notice we 're giving up the property ( showing addrss. ). Then also states that signing this Notice of Cancellation does not provide Buyer the guarantee that the Seller will refund all Earnest Money Deposits. We 've contacted First American Title, Agent said to us that the form is too vague, and that normally the Notice should include and disclose the total amount to be refunded, ( the builder refuses to do that ). We then contacted a local Attorney in XXXX. He suggested that there was no need to delete the last paragraph, but just the word NOT would be sufficient. The form was then signed inside First American Title 's office and sent to the builder by the agent. We asked the agent if she could refund our deposit of {$17000.00}, she answered no, unless the builder ok 's it, she further said that she represents both, the Seller and the Buyer, but it seems that First American Title is very biased toward the builder. The Nevada XXXX XXXX XXXX even asked me if I asked First American Title for the refund, I answered yes, and was refused. First American Title also told us that the new home can not be sold, until we sign the Notice of Cancellation. This morning, I called the agent and asked her if the new home was sold and occupied, she refused to answer she said, since she can not discuss any Escrow matters with anyone. Can you please try to help us in recovering our deposit back?

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: As of today XX/XX/2017 my credit FICO SCORE DECREASED BY XXXX PTS XXXX. YESTURDAY MY SCORE WAS XXXX. THERR SHOULD BE NO REASON MY SCORE DECREASED THAT LOW ... OVERNIGHT. I AM REQUESTING THAT THEY COMPLETE INVESTIGATION AND REANALYSIS MY FICO SCORE TO A INCREASE. I WAS INDICATED THROUGH MY MEMBERSHIP ONLINE THAT MY SCORE HAS INCREASED BY XXXX POINTS XX/XX/2017. INDICATED IN MY ALERTS INBOX ... MY CREDIT FICO SCORE SHOULD BE ABOVE THE SCORE XXXX. 
PLEASE INVESTIGATE THIS AND REANALYSIS MY CREDIT SCORE

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My purse was stolen out of my car in a XXXX parking lot ( XXXX, NC ). I did not do a police report at that time. After recently pulling a copy my credit report I noticed that there are quite a number of medical debts that are n't mine. I immediately contacted the collection company who did not help me and then I contacted the credit bureaus. I disputed all items asking that signed documents be shown as proof that these charges belong to me. I have not received any original signed contracts to prove that these accounts are mine because there are none. I was told to get a police report but the years in between now and then of coarse that was impossible. I understand that each bureau reports differently however truthfully these accounts do n't belong on any of these bureaus credit report for me. I have attached my FTC Identity Theft Report Letter as well as the letter that I sent to Experian and XXXX XXXX/XXXX/XXXX. These accounts are making my credit bad and hurting my credit credibility. I have been trying to have these accounts removed for about three months now. This is unfair to me and I really need it to be fixed.

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 07/24/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Trouble during payment process

Complaint: This is a  XXXX   XXXX  loan that became delinquent  in  XX/XX/XXXX . A ccording to  XXXX   XXXX  guidelines a streamlined modification was suppo sed to have been given at the 90th day of delinquency   in  XX/XX/XXXX . I t never happened.     Notice was sent to mortgage company o n  XX/XX/XXXX  that they were supposed to give a streamlined   modification. They still are not offering the streamlined modification and foreclosure is scheduled for  XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (DC).
Issue: Credit decision / Underwriting

Complaint: I bought a house and got Everbank to to service the loan. I was supposed receive a credit ( loan origination fee, etc., were supposed to be waived ) for choosing Everbank. This is shown on the original HUDXXXX that was sent to me by the Everbank loan officer two days prior to closing. When I reviewed the HUDXXXX at the actual closing, the numbers were different. They had taken all the credit OFF of the new HUDXXXX form. The loan officer, who was present at the settlement, called his bank, and they were supposed to refund the money ASAP. This was in presence of the loan officer, title attorney, seller, buyer ( myself ), and their agents. 
Is has almost been a month since this closing date and I have not received the check. I have had to call multiple customer service. They have been less than responsive and totally put it on ME to work to get this refund which was promised to me ( really ridiculous given that this check was supposed to be mailed out the day after closing ).

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit card () with DISCOVER BANK (GA).
Issue: Billing disputes

Complaint: I paid my bill in full of {$2000.00} on XXXX 2016 by deducting from checking account that included any and all purchases, cash advances in advance. DISCOVER took all payments and processed timely. The acceptance of payments and processing is [ willful agreement ] sufficient and substantiates remittance in full by DISCOVER closing my account after receipt of payments. 

DISCOVER repeatedly and persistently engaging or intentionally in harassing, harassment or harassing behavior against me to date. The communicating through electronic emails [ automated ], phone calls, third party collection agencies and or Reporting false or misleading information, to Consumer reporting agencies outdated and negative or erroneous information about previous business transactions IS CUURENT is " gross fabrication. These and other insidious and unfair business practices is retaliatory action and discriminatory in its applications.DISCOVER repeatedly and persistently engaging or intentionally in harassing, harassment or harassing behavior against me to date by automating system for collection in violation of my constitutional and fundamental rights.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Medical) with Metro Republic Commercial Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Metro Rep Comm Svc Inc. is reporting a medical collection account on my credit report to all XXXX major bureaus despite the fact that I informed them upon initial contact that I was disputing the validity of this debt. They never contacted me prior to reporting this account. I discovered the account through XXXX XXXX. I tried to call Metro Rep Comm Svc Inc. but they were very difficult to get hold of. They never answer the phone. I left more than XXXX message that I was disputing the account with the original medical provider because I did not receive the services claimed. I have asked for a complete accounting of the bill but I have been ignored. I have never received a call back, any correspondence from Metro Rep Comm Svc of ANY kind yet they are reporting this on my credit. I believe that this is a violation of several laws including but not limited to Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( b ) that your claim is disputed and validation is requested. I also believe this may be a violation of the XXXX XXXX and the recent agreement between the bureaus and the New York XXXX as this is a medical bill.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted XXXX XXXX five times since XX/XX/XXXX. Ive also contacted the three Credit Agencies and nothing is being done. XXXX XXXX is the debt collector for XXXX XXXX XXXX. I filed bankruptcy and received my discharge XX/XX/XXXX. This company as of XX/XX/XXXX is still reporting this account as OPEN with XXXX balance. I called XXXX XXXX this morning only to get hung up on. This debt collector is hurting my credit score. I would like to file charges on them.

Company response to consumer: Closed with explanation