milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Good Afternoon, I signed up for a promotional offer or a Citi Gold checking account from Citi Bank for XXXX XXXX XXXX Miles. I met all the terms of the promotional offer which was confirmed through secure messaging on Citi 's website. It was confirmed I met the terms through 2 different representatives in 2 different secure messages. All along I have been paying $ XXXX monthly fee in the hopes the XXXX XXXX miles would post to my account as advertised. This has cost me additional money, with no promotional reward to offset these fees.

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 05-09-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: Opened a Citibank account on XX/XX/2016 under a promotion of receiving {$400.00} for depositing {$15000.00} within 30 days and keeping it there for 30 days. I opened the account online through a promotional page for the offer. Deposited {$15000.00} on XX/XX/2016. The terms stated that I would receive the bonus 90 days after completing the requirements. I called on XX/XX/2016 about the status of my bonus and was told that I should receive it on my next statement. However I did not receive the bonus on my XX/XX/XXXX statement. I called and they refused to give the bonus and say they need to perform research. There are clear systematic inconsistencies with their account opening process as evidence by the large number of CFPB complaints for this same problem.

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 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an account listed on my Experian credit report that does not belong to me. This same account was also listed on my XXXX   and XXXX reports, and I was able to quickly and easily get the account removed from those reports as the account did not belong to me. Experian has not removed the account, despite attempting to submit a dispute to have the erroneous account removed. 

Experian has made it extremely difficult to submit a dispute online in order to get this corrected. I was not even able to access my credit report in order to submit a dispute until I filed a different report with CFPB back on XX/XX/2017, and Experian sent out a copy of my credit report in response. With the report number listed on the report that they mailed to me I was finally able attempt to submit a dispute online. I still have not been able to even submit a dispute for the erroneous account as Experian 's website will not allow me to complete and submit a dispute for the erroneous account.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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 submitted a dispute twice to correct a state lien that was incorrectly reporting on my file. Both came back as substantiated. I contacted Equifax multiple times by phone escalating to the consumer affairs department each call. Each time I stated the issue and received false and illegal information from each representative I contacted. I then went to the state verified the inadequacy of the lien, which both were removed. I contacted  XXXX   XXXX  which updated their file and their new information did not include these liens. I forwarded this report provided to me to Equifax to reinvestigate the dispute. I was misled numerous times that they are verifying the information directly from the court. I was misled because they told me that they had to wait for  XXXX   XXXX  to verify my claim to their report. I was misled because I was told that Equifax was not able to access  XXXX   XXXX  files on demand. I was misled because I was told that they had 30 days to complete the reinvestigation after documents were provided.  XXXX  refused to furnish me the correct agency 's information used to verify this debt in their investigation process upon request of myself.   I have been harmed tremendously personally by their unethical and illegal business practices. It has effected my life in many ways but recently it has effected a home purchase, which they were made aware of numerous times during my communications with them.   They have verified this debt as accurate. Their only means of verifying this public record is by using  XXXX   XXXX  reports.  XXXX   XXXX  shows these liens do not exist in the report I provided Equifax upon initiating the reinvestigation and they are absent from  XXXX   XXXX  records after the completion of Equifax 's resolution to my dispute as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (VA mortgage) with EQUIFAX, INC. (UT).
Issue: Application, originator, mortgage broker

Complaint: I got a call from a man with an XXXX accent claiming to be from Equifax Mortgage. He wanted to speak with my wife to verify personal information. He wanted Social Security numbers, bank account information, and other personal information. He claimed he would set up a conference call with my bank, which mean he would hear all of my bank login information via the conference call. The caller ID read ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Today, XX/XX/XXXX, I noticed a charge of {$24.00} on my bank account taken out on XX/XX/XXXX. The merchant description was XXXX* Credit Report ( XXXX ) XXXX CA. I called XXXX  to file a compliant and they claim my account is free and never charged my account. I disputed this transaction with the bank and they said I had to call XXXX. The money was clearly deducted from my account and someone has the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax allowed their system to be vulnerable and allowed my information along with millions of others ' information to be stolen. I has to freeze my credit and sign up for identity protection to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the reporting agency and requested removal of accounts but I was denied. I stated that I am a victim of identity fraud but they still would not remove the inquiries. Here is a list of several inquiries that were not authorized by me : 1. XXXX 2.  XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.

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 05/19/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I got into an accident and my car was declared totaled. After my insurance and the gap made the respective payments I was left with a balance of a little over one thousand dollars. I always had the best intentions to make the payments to the point that as soon as I was in the accident I was going to make a payment, however, I was n't able to since Capital One had already turn off my account. Then I started receiving phone calls from an auto dialer and every time I picked up was always a machine. Then I was able to find the time to make a phone call and I was close to then get to a settlement. After that I had a loss on the family and had to leave the country and also incurred into many expenses that I had n't budgeted for. When I came back I saw that Capital One had negatively reported me to the credit bureaus which caused for my FICO score to drop over XXXX points. I did not like that since I had been working on fixing my credit for the last XXXX years to purchase a house. With this drop it is nearly impossible for me to get qualified for anything. I also went ahead and got to a settlement which I paid the same day I got on the phone with someone. I find ridiculous that my credit took such a dive due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Student loan (Non-federal student loan) with AES/PHEAA (DE).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have been in the process of getting a temporary economic hardship forbearance since XXXX because I sat for the Delaware XXXX in XXXX and had no income until I began my clerkship a few weeks ago. For months now AES has misled me all while my loans have been accruing interest, penalties, and late fees. I have called every week and each week the customer service reps have told me they did n't understand why I kept getting denied because of a missing signature on a document I enclosed only for reference. To say I am frustrated is an understatement. I 'm trying to refinance my loans with a different company because AES and XXXX will not work with me at all for repayment options and have strung me along for months in trying to get this temporary forbearance. But I ca n't refinance my loans while they are all delinquent! AES is completely wrecking my credit and there is nothing I can do about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I went to the Wells Fargo branch at XXXX XXXX XXXX in XXXX, Colorado in XXXX of 2017 and spoke to a banker by the name of XXXX. I explained to her that I needed to open a second checking account for the purpose of paying bills online, and she told me that an EasyPay account would be a good way to do that. When I began to use my EasyPay account to pay my bills in XX/XX/XXXX, I noticed that my payments were being reversed by Wells Fargo, despite having enough money to cover the payments in the account. I called Wells Fargo customer service on XX/XX/XXXX, 2017 to ask why my payments were being reversed, and the woman who took my call told me that my payees had released the funds for whatever reason, but they would be posting the transaction the next business day. I asked her if she was sure my payments were n't being reversed, and she said that she " sees this happen all the time when people pay their bills on the internet '', and not to worry.
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The next day, all of my bill payments had been officially reversed, resulting in late payments and fees on two of my credit cards, plus my car payment. I called customer service again, this time to complain to a supervisor, and I was told that my EasyPay account was not authorized for ACH withdrawals. I was very surprised, as the banker I had opened the account with at the branch had told me that this was exactly what people used this type of account for -- automated bill payments.
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I am extremely upset that Wells Fargo directed me toward this type of account as opposed to a regular checking account, despite me clearly stating to the banker what I intended to use it for. I am also upset that in my initial interaction with the customer service center, I was again mislead into believing that my bill payments were going to go through, and that I had nothing to worry about.

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 01/26/2018 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (SC).
Issue: Trouble during payment process

Complaint: I have a mortgage with The Money Source. My escrow balance went up dramatically. I was told that they made a mistake in figuring my taxes, however, they refuse to adjust my payment to the correct level. I believe they are misapropriating these funds

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX Collection account should be removed from my credit report as this should never have been sent collections, as it was paid by XXXX XXXX XXXX XXXX back in 2013 and the amount of the bill was {$280.00} not {$410.00} as XXXX XXXX is claiming

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (I do not know) with Community Health Investment Company, LLC. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I a hospital bill that was turned over to collection to XXXX XXXX XXXX XXXX XXXX I paid off my bill in full on XX/XX/XXXX. Because they failed to discontinue my automatic payments from my checking account, they withdrew another {$50.00} dollars from my account on XX/XX/XXXX. I called them this same date and told them what happened and they said they would reimburse my account. On XX/XX/XXXX, I still did not receive the reimbursement and called them again. This time they said they didn't show that they had taken the extra money and I needed to send them proof of payment. On XX/XX/XXXX, I faxed them proof of payment. Called on XX/XX/XXXX and they said they received the fax and would reimburse me and that it would take a couple of days. On XX/XX/XXXX I still had not received the money and called them again. They said it would take up to 10 days for the money to be reimbursed. Today is XX/XX/XXXX and I still have not been reimbursed. Every time I call these people they give me a different answer. I think they are just stonewalling me hoping that I will give up. I am on social security and {$50.00} is a lot of money to me. This seems like an unfair and illegal practice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Home equity loan or line of credit) with KEYCORP (TX).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/2017, I called KeyBank and made a XXXX payment. ( payment cleared XX/XX/2017 ) I was told by the KeyBank representative when taking my bank information this payment would bring my account current and I would be due for the XX/XX/2017 payment. ( Recorded phone call will confirm this ) I then made arrangement with KeyBank for the XX/XX/2017 payment. 
On XX/XX/2017 I receive a certified " Notice of Default and Intention to Accelerate '' dated XX/XX/2017 from KeyBank 's attorney XXXX. The reinstatment amount in the letter was XXXX as of XX/XX/2017. ( Recall that Keybank accepted my XXXX payment on XX/XX/2017 and told me I was current. ) I also noticed my login with KeyBank has been " locked '' due for Security reasons. 
On XX/XX/2017 I called KeyBank and spoke with XXXX in the Real Estate / Collections department. I explained to him that I was current and confused on why I received a certified threatening letter from XXXX XXXX. I also told XXXX I was calling to make the XX/XX/2017 as pre-arranged. He told me the XX/XX/2017 payment ( XXXX ) has not been applied to my account ( just sitting there ). XXXX then stated, the KeyBank Representative that I spoke with on XX/XX/XXXX who also took my XXXX payment to bring my account current told me everything wrong. She lied he indicated. XXXX now told me I had to call attorney office of XXXX and request a reinstatment letter. XXXX futher went on to say that I had to pay with certified funds only. This is really unsettling considering the Notice of Default that I just received makes no indication of this " certified funds '' request or has any KeyBank employee ever told me I had to pay with " certified funds. '' I went on to explain to XXXX that my funds cleared my bank on XX/XX/2017 and the XXXX payment was good and thus, " certified ''. Again, I explained to XXXX I was not delinquent. XXXX then went on to say KeyBank will be mailing my XXXX back in the mail. XXXX appeared to have no clue on the status of the payment and a check being mailed. 
I am not sure why Key Bank is treating me like this. I paid the account current, Keybank took and accepted the payment on XX/XX/2017. I never heard from XXXX after the XX/XX/2017 payment was accepted until I unexpectedly received the " Notice of Default '' dated XX/XX/2017. I have always told Keybank I am keeping the house, I live in the house and I want to work with them. I also mailed a Modification packet to Keybank at the end of last year and now Key Bank has told me they have no proof of receipt. Also, during my phone call with XXXX XXXX he started to get an upset, loud and then he hung up on me during the conversation. ( recorded conversation will confirm ) I called right back.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Credit decision / Underwriting

Complaint: I have been a Bank of America Customer for almost XXXX 

My deposit accounts, loans, and mortgage are with Bank of America. I have never been late on a mortgage or loan payment. I have never gone over my limit on my deposit accounts. I have been a very good customer for the bank since XX/XX/XXXX. 

In XX/XX/XXXX, Bank of America sent me a " pre-approved '' offer to refinance my mortgage, highlighting the savings I would realize. 

I called in to the telephone number on the pre-approved offer and spoke with XXXX XXXX, NMLS # XXXX about the offer. Thereafter, I completed my refinance application, submitted supporting documentation, had an appraisal completed on my home, and paid processing fees. 

My Loan Officer, XXXX XXXX, NMLS # XXXX was wonderful on the XXXX calls when I was applying and offering a deal. Then he vanished. Weeks went by without him answering my calls and requests for information. The few times I spoke with him, all I got was, " everything is fine, we 're going to close very soon ''. I got pawned off to his co-workers on several occasions, and although they were pleasant, all they would tell me was that it was n't THEIR file, and XXXX was unavailable. XXXX voicemail has stated that it is " XX/XX/XXXX '' for over two weeks. 

I called XXXX manager, XXXX XXXX, at least XXXX and she never once answered her phone. Ever. I left XXXX XXXX messages begging for a call back and for help. She never even returned the call. When I attempted to call her voicemail most recently, a very chipper voice informed me that she ( XXXX ) was on vacation for the next week. 

Since I started my application, my quoted price has increased because my appraisal came in lower than expected and I needed Mortgage Insurance ( conveniently provided by Bank of America ). I agreed. Today, I was informed that my loan to debt ratio was off by 1.27 percent, and that we might need to restructure, but again, I would need to speak XXXX XXXX to work this out. 

The worst part is that Bank of America also decided to sell my mortgage in the middle of the refinance process. Again, no answer when I called begging for information and support. 

This is outrageous. You do n't treat your customers like this ; in any industry. I just want help. That 's all. 

Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Phone calls trying to collect {$250.00} throug h Diversified Consultants  at  XXXX  for  XXXX   XXXX .   I pay my bill by automatic withdrawal each month and do not have a balance. I informed  XXXX   XXXX  of these calls and they are not aware of this collection agency nor have they contacted a collection agency. I do not owe this money this company is trying to collect.   I believe this is a phone scam to collect personal account numbers in order to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (AZ).
Issue: Application, originator, mortgage broker

Complaint: I am beside myself. I have been unemployed for one year, I have worked my entire life, and not once utilized public assistance. In my time of need, I have been met by denials by non profits, HUD Counselors, Caliber Mortgage, and XXXX AZ lawyers. By XXXX/XXXX/2015 I will be on the street with my daughter. She has been traumatized by the mounting stressors of having utilities shut off, minimal food, and increasing detriment to her self esteem. I am a XXXX who is chastised daily XXXX who is reveling at my failure. I have no faith in humanity due to having no assistance, advocate, or thought of my child. I can no longer call people to help as I do not think I can take in any more rejection.

Company response to consumer: Closed with explanation