milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Hello, Opened a new account and met all requirements to receive a promotional XXXX  account opening bonus. After meeting requirements, bonus had not been provided so filed a complaint with CFPB in which case the company provided a response on XXXX/XXXX/XXXX that all requirement were met and bonus would post no later than XXXX XXXX, XXXX ( see response from bank below in regards ). Waited until date specified and no bonus has yet to be posted. Bank has held onto my account funds for over 180 days interest-free without providing bonus and has continued to keep my account open falsifying bonus post date by an additional 60 days with their response via CFPB. 

The following below is the bank 's response to my CFPB complaint filed over 60 days ago : Company 's Response on XXXX/XXXX/XXXX ( CFPB reference # XXXX ) Steps Taken : After review of the account it was found that the client did qualify for the XXXX  cash bonus, however the timeframe to allow the credit to post has not been reached. Resolution : XXXX XXXX, please accept my sincere apology for the inconvenience you described surrounding your attempt to participate in a new account promotion to potentially earn a cash bonus of XXXX Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance. I assure you that our marketing strategies are certainly not intended to mislead you, or any potential client. Citibank, like other banks, periodically offers promotional bonuses to deposit account applicants to attract new banking clients. In order to conduct our promotions in a manner consistent with sound business practices, we may customize offers by direct mail campaign initiatives to select individuals, in addition to the requirement of the standard terms and conditions that Citibank discloses for its promotions. In our review, we found that you did meet the requirements of the offer in question, promotional code XXXX. Pursuant to the terms and conditions of the offer, the credit will be placed into your account within 90 days after the required transactions were completed. Our records indicate the last required transaction was completed on XXXX XXXX, XXXX. Therefore, the XXXX} credit will post to your account no later than XXXX 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 11/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LTD Financial Services, LP (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a personal and business checking account with XXXX bank and what they did was allowing companies to take money out of my accounts that was not there. The companies that XXXX allowed to do this bounced the accounts for fee 's and payments because they knew XXXX bank would pay because of their reputation. All of this was done electronically but not on my behalf. XXXX bank was notified of this and they did not to correct this errors on behalf of individual companies who did this maliciously and purposely with cruel intent on my behalf they did not protect me as a customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX charged off my account in XXXX 2015 but the account continues to show up as a new delinquency each month since. I have tried to address this with Equifax, but was told the debt is valid and can report every month as delinquent even though the status is charged off. I am trying to rebuild my credit and unable to make progress with the account being reported as delinquent every month.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (Credit card) with First National Collection Bureau, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX EMPLOYEE/SUPERVISOR XXXX XXXX HAS STATED TO ME THAT BY LAW XXXX DOES NOT HAVE TO SUPPLY A STATEMENT ON THE FIRST LATE DATE OF THIS ACCOUNT, NOR DO THEY HAVE TO KEEP THE IN HOUSE RECORDS. I ALSO HAD THEM CHECK INTO ANOTHER CASE THEY HAD IN THERE OFFICE SOMETIME AGO. 
ACCOUNT NUMBER : XXXX Original Creditor : XXXX, XXXX. 
Current Owner : XXXX XXXX XXXX XXXX Number : XXXX AND THEY HAD TOLD ME THAT THE ABOVE CASE HAD BEEN DISMISSED, AND THAT THE CASE I 'M DISPUTING NOW ACCOUNT NUMBER : XXXX REF NUMBER : XXXX WOULD BE CLOSED DUE TO HARDSHIP, BUT I 'M STILL BEING HOUNDED BY THEM AND FIRST NATIONAL COLLECTION BUREAU , INC .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I attended XXXX University from XXXX 2015 to XXXX 2015. Navient repeated states that they can not see the loan in XXXX, stating that they need a paper proof of attendance to give in school forbearance for that period. I printed off the only copy available on their site & the school completed it and sent it in. Daily calls continued and at least XXXX I have provided this information. They state that a federal form was provided but the representative from Navient can not find the private form they say is required on their site. 3 weeks ago, they said they would put in my Navient correspondence inbox. They have now put delinquient notices, and I have told XXXX callers, I need the form they require & they did not provide it, nor could they show me how to find it on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I contacted capital one credit card company. I explained that we paid the account off with a trust account guy confirmed that it went through as payed. We then owed {$1200.00} final notice dated XX/XX/XXXX. I asked for them to take some of the late fees and the over draft charges off. We called and asked several times to remove the charges they refused to do it. I did eventually payed the account down but had to suck up the extreme past due amount of {$1200.00}. The account credit limit was {$800.00}. Capital one just cares about money, no sympathy or wiggle room. Even XXXX store ( XXXX 's credit ) removed {$200.00} in fees. I don't understand why one of the major credit card companies can't help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Other

Complaint: USAA my credit card issuer put a hold on my travel reward points because I exceeded my credit limit on my card. I pay my credit card in full every month- I do not carry a credit balance month to month. My payment was not late. I made a wire transfer to clear some of the balance but it has not hit their account so the hold is now going on day two. How do they have the right to seize reward points I have already earned? I pay my balance in full every month and reward points are earned on the prior months balance. From a financial viewpoint I have earned the points but from a practical standpoint USAA has seized my assets ( reward points ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Student loan (Private student loan) with AES/PHEAA (NV).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have contacted the company multiple times, stating that I am unable to constantly make these high payments. Their response is always, " There is nothing we can do to help you. '' They are making it very difficult to make a living.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (I do not know) with State Collection Service, Inc. (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Your prior menu was not pertinent to my specific complaint today, but repeated phone calls which I did not answer have occurred. 

Today, XXXX XXXX, 2017 at approximately XXXX CST I received a call from XXXX. A female gave her name ( I do n't remember but it will be in the attached recording ) and said " this is a monitored and recorded call about a personal business matter. '' She asked if she was speaking to XXXX XXXX. I said she was and I am also recording the call. She asked to verify my identity by asking for additional information. I asked her to provide the business name before I provided additional information. She said she needed the information first for a personal business matter. I advised her that by law I am entitled to the company name before providing personal information. ( I did not say to her that I am not an attorney but was speaking in a pro Se capacity when discussing laws. ) She said she would send me information and then I could call. That ended the first call. 

An Internet search did not provide the company name but did confirm that the number belongs to a landline in XXXX, MN. 

I called the number and a male said " this is XXXX and this is a monitored and recorded call. '' I told him I needed the company name before filing a regulatory complaint due to his colleague refusing to give me that information. He said " You have called XXXX XXXX XXXX. '' I thanked him and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient refuses to answer questions regarding payment plans. I have records of several e-mails where Navient 's only response is to " call them '' but then when you call in, there is no accountability for what is said over the phone. Navient has made absolutely no effort to work with me, a professional in my field with a credit score of XXXX, and instead has pushed me to look into options of bankruptcy as their current payment per month would quickly force me to choose between paying my mortgage, or paying my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (I do not know) with Rent Recover, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: this information was shared illegally without my informed and expressed consent

Company response to consumer: Untimely response
Consumer complaint received 05-11-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: Good Morning/Afternoon, I have a credit card with Chase bank. For the past year I have been trying to increase the automatic payment amount being drafted, however it has been impossible because Chase only provides XXXX options for automatic payment : the minimum amount of {$25.00} or the account balance. They do not offer an option where the customer can enter a desired amount -- amount higher than the minimum payment. This is a deliberate effort on their part to discourage consumers from paying off their debt sooner. It 's very inconvenient because I physically have to walk into a branch to make additional payments. All of my other credit cards/banks have the option to enter a desired amount. Is this legal? Please advise. 
Thanks for your time. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (I do not know) with Nationwide Debt Management Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This agency is calling repeatedly every day to my work number and my coworkers - up to 3 times per day harassing my coworkers. This has been going on for weeks and they have been told numerous times to not call.

Company response to consumer: Closed
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX/XXXX/XXXX, Equifax informed me of a data breach and told me I was an individual on the list of potential victims of a data breach that occurred over 1 month ago. There was no valid explanation for why it took over 1 month to report this to me, as the consumer. Upon calling the company multiple times inquiring as to whether or not my data was compromised, I was told again and again that they do not have this information. All I am able to find out is that I " may '' have been impacted. I have now had to go and spend a good chunk of my day checking all of my reports, verifying all of my accounts, changing all of my passwords, and so on ... for a " may '' have been impacted scenario. This is a company that I trust ( whether I want to or no ) to properly handle my personal and financial information. I would have hoped to have been properly notified when this breach occurred, as opposed to a month later. I would also have hoped to have a definite answer before going through this trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Please remove XXXX from my collection and any another areas that it is showing up. It is flagging as an eviction when really it was a collection for XXXX, is preventing me from renting, and was dismissed with my bankruptcy.

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 08/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My bank statements clearly show that I paid my mortgage on-time each month, however ; America 's Servicing Company is reporting late payments despite several disputes in which I provided documentation to prove that my payments were on-time. I opened my bank account in XXXX XXXX and have attached the bank statement showing auto-deduction of my monthly mortgage payment in the amount of {$500.00} ( which included a small over-payment since my monthly payment was actually only {$480.00} ) from XXXX XXXX to XXXX XXXX, when the mortgage account was sold to another lender. I did not miss a single payment ( I even paid an extra {$500.00} payment in XXXX XXXX so it is n't possible that I became 30 days late in XXXX XXXX as shown in the attached credit report.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I have attempted numerous times and have disputed information pertaining to my experian credit report. I have requested that the above credit reporting agency provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in 2017 and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax reported false information on my credit. My XXXX mortgage account was never late. They received information on the behalf of the military. They neglected to remove this information from my report. I need this removed from my report. They need to remove XXXX lateness from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I asked the Credit Bureau to please provide me with the written or verbal authorization that I gave to ANY entity to provide Public Record Information to them, if not they are breaking the FCRA law XXXX and those items need to be removed from my credit report. The Credit Bureau sent me a response stating that it had been verified by XXXX XXXX, which is strange because thier is a freeze on my XXXX XXXX report, so that 's a lie. They have yet to send me the validation I requested and it has been over 30 days and a statement of re-investigation has yet to be added to my credit report, which is another law they are breaking.

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 07/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 12/19/2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received what I deem a phoney collections letter dated XXXX XXXX 2016, on Thursday XXXX XXXX, 2016 saying : XXXX XXXX XXXX XXXX XXXX has turned your account over to us, Optimum Outcomes , Inc., ACCT # XXXX amount due {$1400.00}, XXXX : XXXX XXXX 2016. 

XXXX does not appear anywhere on XXXX. I have never received any type of billing from this firm, which leads me to believe they are bogus. 
Optimum Outcomes, Inc further states : " Unless you notify this office within thirty ( 30 ) days after receiving this notice that you dispute the validity of the debt, or any portion thereof, this office will assume this debt is valid. ... this office will provide you with the name and address of the original creditor '', " if different from the current creditor. The address to send correspondence is XXXX XXXX XXXX, XXXX, NC XXXX. 
Sincerely, Optimum Outcomes, Inc. 
XXXX '' I have no intention of contacting these scammers. It sounds like they 're just fishing for more sensitive information from me. After calling my doctor 's offices, hospitals, and insurance agency to see if they could verify any ties to a XXXX they uniformly said that they never heard of XXXX indicating that it is not a legitimate business or home health agency.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Closing on a mortgage

Complaint: My name XXXX XXXX XXXX, I submitted my application for a short sale with Bayview Loan Servicing, loan number : XXXX back on XX/XX/XXXX. The this whole process has been a nightmare and a real pain of a process. When I contacted Bayview I was advised to submit certain documentation to the lender to be reviewed. I did and was confirmed that they were received and was going to review the documents. My file was then transferred to an asset manager XXXX XXXX who I have never spoken to and never returns my calls. Her contact number is XXXX ; I was then advised that my file was transferred from the short sale department to the bankruptcy department. WHAT!!!! why? When the last time I filed BK was on XX/XX/XXXX file number BK XXXX. And keep getting advised that I have to speak to XXXX ... I do n't understand how a big company like Bayview has only XXXX person assign to my file that can update me or help me with my review or process. It is just ludicrous an unprofessional. The customer service is awful ... Go figure that the lender did n't help me when I tried to do a loan modification and advised me that I only qualify for a short sale that they are even making it hard to even do that.

Company response to consumer: Closed with explanation