milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Hello, On XXXX/XXXX/XXXX I was utilizing Citi Cards website, signed into my personal credit card section. They advertised an opportunity to sign up for a promotional APR for their Citi Dividend Mastercard, with the following terms noted - Must sign up no later than XXXX/XXXX/XXXX XXXX XXXX XXXX APR for new purchases, excluding a few items like balance transfers and fees XXXX XXXX XXXX APR good through XXXX/XXXX/XXXX I clicked accept on the offer and my account page reflected the same. 

I re-reviewed the offer as i do n't tend to carry unpaid Credit Card balances, so ensuring the promo specifics was a high priority for me. Everything was as I understood, and I logged off for the evening.I generally wait until the next business day before utilizing any offers like that to ensure there are no timing issues ( i.e. it goes into effect next business day ). 

After planning some purchases with my wife later that night, i logged on this morning XXXX/XXXX/XXXX to validate once again the terms set forth by Citi prior to making my purchase. However upon visiting the my offers section the offer now said it was valid only for purchases made THROUGH XXXX/XXXX/XXXX, which is 100 % not what it said previously. 

I assumed it was a display error, so called Citi to validate prior to making my purchase. They advised they only saw the offer showing for purchases made through XXXX/XXXX/XXXX. I explained the situation and the rep had her manager reviewer, but they both said they saw the same thing. 

This is extremely upsetting as Citi has essentially lied to me in an effort to encourage me to make large purchases, knowing i 'd be subject to a high APR on those purchases. I do n't understand how this can happen with such a large financial services company. 

I asked the representative to escalate further with a few validation questions. 
Why would i be able to accept an offer that expired that same night - do all of their offers allow you to accept them until the date they expire? Why was it still showing on my available offers today ( XXXX ) if it had expired? 

I 've never complained about a credit card before, but being lied to is beyond what i can accept especially from a financial 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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX   XXXX XXXX XXXX California XXXX # XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (CO).
Issue: Deposits and withdrawals

Complaint: I opened an online bank account with Simple within the last XXXX3 months. From the beginning I had multiple issues. Immediately I had trouble accessing money I had deposited into my account. I called customer service multiple times and got different answers. I was able to complete some small transactions. In early XXXX, Simple contacted me stating that they believed someone else had accessed my account. I called simple and they gave me instructions that I needed to verify some information. I logged into Simple as instructed and a pop up window with a customer service rep walked me through what I needed to do. I completed verifying my info for a new account, and even attached my drivers license and proof of residency for upload in the chat box, the rep explained that my money deposited in the old account would be transferred to the new XXXX and would be protected from fraud. and I should receive a new card in XXXX4 business days. I thought they said it would only take a couple of days but when that did n't happen I emailed and received a response saying it would take 7 business days. Seven days later my {$1300.00} ( approximate ) showed as pending. Sigh of relief! It will nice to have access after almost a month. Only to log in the next day with an account balance of {$0.00}. I proceeded to call customer service and explained the situation, the rep responded that it must be fraud and shut down my access to my account. They now refuse to give me any information at all or any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: The Bayview says there is no option for me to keep my home. Either I have to pay the total principal balance of {$980000.00} it will be auctioned on XXXX/XXXX/XXXX. I worked hard to save money for down payment and still work hard to keep my home. Bayview had my loan modification request for months and on XXXX/XXXX/XXXX the notice of auction that is scheduled to auction my home on XXXX/XXXX/XXXX posted on my home door then denied my request on XXXX/XXXX/XXXX. 
I, XXXX XXXX, got a mortgage through XXXX on XXXX XXXX. I was paying my payment on time till XXXX XXXX. My financial situation got changed when I lost my job after my youngest son got into head injury ( concussion ) while he was playing lacrosse game on or about XXXX XXXX, he still is going through treatment. I got job here and there but none of them was permanent. I could just bring the food to the table for the family oXXXX XXXX I fell behind on my mortgage payments ; I was a single earning member of the family with my XXXX, XXXX kids, and XXXX parents with loss of income because I got lay-off on early XXXX. It was hard for me to keep with expenses. In the past we never had financial problems. There are so many expenses and managing a home and family of XXXX is hard. I exhausted all of my saving during the hard time that my family and I went through. Now, I got permanent job with good income. I am behind of my mortgage and also my income is not enough to pay all back payments which Bayview is asking to do so. As a result, I requested loan modification but Bayview denied my request and advised me to sell the property because there is some equity on it. I did purchased my home about 10 years ago. I put {$120000.00} which was all my family and I life saving as down payment toward the purchase of our home to be our permanent home and raise our children and take care of my elderly parents, I did n't purchase it to live for while then quit. I can not afford to lose my home. I am reaching you out to help me to keep my home which is only our investment and place to keep my family together. I am working hard to take care of my family as well as pay my obligations on time. Being father of XXXX children, XXXX, and only son of my XXXX parents has huge responsibility on me and I am not ready to lose our only investment after years of education and working hard with a family of XXXX, which is our home. I can not afford to lose my home and have my family on moving truck from rental home to another and be worry about my XXXX parents and my kids school while myself working full time. My family and I can not be homeless and sleep in street. I am requesting Bayview to reconsider my situation and put me in a reasonable payment plan. Bayview asks me to pay total balance of principal of {$980000.00} or will auction my home on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (OR).
Issue: Settlement process and costs

Complaint: Freedom Mortgage mailed me an offer to lower my interest rate at no cost. When I talk to the rep he reiterated that it was no cost to me. I received the forms to sign via online and discovered that they are charging interest rate reduction points of over {$2000.00} and including it in my mortgage balance. They pressed me to hurry and sign the forms that would lock me into the obligation. It is very deceptive. NO COST is a lie. They wasted my time and trust. This needs to be address before someone believes them and signs without really looking at what is on the forms. It can be confusing. Please make them stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Credit card) with The Bureaus, Inc. (MN).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Collector calls me at work about once a month and I 've asked to not be contacted there. Is extremely rude, tells me i 'm irresponsible and belittles me on the phone. I 've tried to discretely answer questions while at work, but caller is pushy and not willing to listen to reasons for missed payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 03-04-2017 about Debt collection (Credit card) with Collection Bureau of the Hudson Valley, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i have paid the debt 2 months ago and XXXX continues to report a paid debt to different collection agencies. claiming a paid debt is still due. i have receipts showing it was paid, they send it to collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (I do not know) with Premier Recovery Group (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The number XXXX called me today, a recorded voice representing Premier Recovery Group, stated my name, a file number and stated that collection attempts are being escalated. I have never heard of this company, this debt or this file number. I never received anything from this company via mail. 

There was also absolutely no statement of the call being an attempt to collect a debt. I have a recording of this call if needed.

Company response to consumer: Closed
Consumer complaint received 06-04-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: Citibank, through their Citigold Interest Checking Account has failed to meet their end of a promotion which I signed up for their account with. I signed up with offer code XXXX and the offer was for XXXX AAdvantage bonus miles after 1 bill payment for 2 months and {$1000.00} in purchases through my debit card within 60 days. I confirmed this information in a secure message on XX/XX/2015. They confirmed that the offer was active and took my frequent flyer information. I met those requirements shortly after, which I also confirmed with Citibank through messages. Citibank notified me that, as per terms of the promotion terms, the miles would post with 90 days. Well past 90 days, in XX/XX/XXXX, I still had not received the miles deposited into my account, despite having completed the promotion terms in XX/XX/XXXX. The customer service representative launched an investigation and sent me a secure PDF that found after an investigation that I WAS indeed owed miles still. This letter states I will receive my miles within 10 business days. That was on XX/XX/XXXX. My miles STILL have not posted to my account. I have been in contact with Citi, who tell me they will post the next day, but never do, or that they will look into it and call me back and they never do. 

It is clear that Citibank is aware that I am owed XXXX XXXX XXXX miles, have confirmed this through investigation, I have multiple messages and have talked to multiple representatives on phone and chat and yet they seemingly have no intention of crediting them to my account. Every avenue I have explored through Citi says that yes I am owed the miles, yes I met the promotion terms and then they give me deadlines they never meet or intend to meet.

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 04-05-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I noticed a collection account with XXXX was placed on my credit report in XX/XX/2017. I was not aware of the account nor had ever done business with XXXX so I was very furious and shocked an account was placed on all XXXX credit reports without validation. I never received a dunning letter or anything from XXXX so on XX/XX/XXXX I sent a certified letter asking XXXX to validate the debt. I also wrote all XXXX credit bureas asking why was this unverified unvalidated account was placed on my report. I didnt receive a response from XXXX until XX/XX/XXXX ( beyond the 30 day requested response time ) when XXXX responded the sent me a copy of some bill with my name address on it. I immediately sent XXXX another certified letter advising again, to legally validate the debt with a contract with my signature of something that says this account is me. ( I 've been a victim of identity theft in the past, note the fraud alerts on my report ). I havent received proper debt validation as of today. Meanwhile I was also communicating with the credit beauru specifically Equifax regarding this unverified account. I submitted three written notices to Equfax and called to check the status a few times. The issue is each time I communicated with Equifax the created a new dispute now totaling 5 disputes for the same case with XXXX. I finally called and spoke with a manager XXXX whom told me on XX/XX/XXXX Equifax verified the account by name social and address ( I have a recording of this call ) I explained that is not a proper MOV ( method of validation ) and they have violated my rights under the FCRA guidelines. This account is still showing on my reports and should be deleted without proper validation. In addition I mailed XXXX a letter requesting MOV on XX/XX/XXXX certified, as of today I have not received a response ( pass the 15 day time-frame. All XXXX credit beuar and XXXX have violated my rights under the act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Professional Placement Services, LLC (FL).
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: O n  XX/XX/XXXX  I open ed a dispute with   XXXX   regarding medical collection accounts that are not mine. I am a   XXXX   veteran who gets medical care from the Veterans Administration. I also contacted the company, the DOB does not match me, neither does the SSN. I requested copies of the alleged bills - they were not provided as it would violate the individuals privacy, the one the bills did belong to. The dispute came back as verified, I appea led on   XX/XX/XXXX . This makes no sense, I can not get copies of the bills because the information does not match me, but it stays on my report anyway. I lost the appeal, said verified again. I contacted the company again, still refuse to provide me the bills because my SSN and DOB do not match the data. The company is Professional Placement Services. Date of service is unknown, but appears to be  XXXX . There are  XXXX  accounts,   XXXX   for {$320.00}, then  XXXX  others at {$100.00} each. I have that listed on my report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (KS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I met with a HUD approved credit counseling agency in XX/XX/XXXX and setup a payment arrangement with Debt Recovery Solutions for a prior XXXX balance. I sent the money directly to XXXX paying {$50.00} per month since XX/XX/XXXX. When I realized I had been sending the payments to XXXX, I contacted Debt Recovery Solutions in XX/XX/XXXX and sent a letter via certified mail to have the money sent from XXXX to Debt Recovery Solutions per the instructions of XXXX XXXX with Debt Recovery Solutions. After no response, another letter was sent to Debt Recovery Solutions on XX/XX/XXXX that was sent certified mail and again no response. I attached all the payment receipts and this debt has been paid in full, however, is still reporting to the credit agencies. I tried to call Debt Recovery Solutions again today, XX/XX/XXXX, and was hung up on twice ( after being very cordial and only asking for an update ). On my third attempt, a gentlemen referred me to call XXXX XXXX who is handling my case at XXXX. I called that number and there was no answer and no voicemail to leave a message. I am not sure what to do at this point to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: upon dismissal XX/XX/XXXX of employment at XXXX XXXX XXXX, i was sat down under duress and was told and directed to sign a promissory note to pay back company in loss prevention. i do not owe the company money as i did not commit the monetary fraudulent transactions. This action lacked consideration. i was interrogated for over 3 hours and was held against will, no food, water, or bathroom was given to me upon requesting. The individual took my cell phone was going through it provoking me, making me fearful of never seeing my kids again, threatening me throwing papers around the room, he was demeaning and intimidating me. i would not voluntarily sign anything, and my original statement was ripped up. This action was reviewed by court on XX/XX/XXXX and my case was credible and i was gained my unemployment benefits.

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 09/23/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax is reporting unverified accounts on my credit report. This is in violation of Section 609 of the Fair Credit Reporting Act. which states that all account contracts need to be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was authorized to speak for a co signer. However, the Debt Collector Trans World Collecting on behalf of XXXX ( rep. XXXX ) keeps calling me. I am not on the loan but they wo n't stop calling me. Despite the fact she keeps calling me, she will not fax or mail the original contract to me. She refuses to make a counter offer and has lied several times about the negotiations.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Hello. 

I am filing this complaint due to an issue with the promotional bonus on a CitiBusines XXXX credit card not being honored. The promotional bonus was XXXX XXXX miles if {$3000.00} in spending is completed within the first three months. The spending was completed as required and Citibank is refusing to honor the bonus stating that it is only available once every 24 months. I can confirm that there was no restriction on this application stating that this bonus was only available after 24 months. 

I sent a secure message about this but there was confusion because they claimed I was already provided the miles on XXXX/XXXX/XXXX. However another representative looked further into this and was correct in determining that those miles were provided to my account due to an error on another card account ( ending in XXXX ). So to be clear, they finally honored a bonus they were disputing on another credit card account, but made it clear that they could honor this one with evidence regarding the promotional bonus. So, they then requested evidence that my current account number ending in XXXX had a bonus associated with it. Including the request Please send a copy of the front and back of the offer you received on your Citi Business American Air World account ending in XXXX. 

This request for front and back does not make sense, however. There is no front and back of an offer. This was an online application link that was not related to a mailed offer. Below is full link that was used at the time : https : //www.citicards.com/cards/credit/application/flow.action? XXXX & XXXX & XXXX & XXXX & XXXX The evidence I can provide are screenshots from my application. It is clear that they do not show any language relating to the bonus not being available within 24 months of any AAdvantage card being opened or closed. 

I already faxed this dispute directly to Citibank with evidence on XXXX XXXX, XXXX and have received no response. On XXXX XXXX, XXXX I sent this same dispute by mail and in almost a month have received no response. So now I am forced to file a complaint with the CFPB regarding this issue. 

Thank you for looking into this and your prompt response.

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 10-12-2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo collection department has been auto-electronic dialing our phone number, which is on the do not call registry, and our loan is current, and not in collection. We have asked them in writing to stop. They ignore the requests. Last week we were called at least XXXX times by Wells Fargo auto dial, and a non English first language person who we could not understand left a message. We saved it so we can prove we are getting these calls.

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