milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (RI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: OnXX/XX/XXXXXX/XX/2017. I requested a verification and proof of a collection that was place on my credit which I didnt know about. The collection agency did not provide enough proof that the collection is mine. I will upload a proof of what they send me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I didn't receive bills in mail, never got a card, and they had wrong address, i checked my score, seen the late payments, i called immediately & payed off the full balance with the promise they'll remove late payment credit reports im XXXX and understand the true value of my credit and do not wish to jeopardize it in any way. 

i appreciate any and all assistance

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 05-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016 and again on XXXX XXXX, 2016, I attempted to open a new, personal CitiGold Interest Checking account. On XXXX XXXX, 2016 their telephone representative told me that my application was accepted and emailed to me a signature card, which I signed and faxed back to them on XXXX XXXX, 2016. Approximately 10 days later, I received by U. S. mail my first Citigold checking account statement, which showed my new account number and account balance. Then XX/XX/2016, I received their letter dated XXXX XXXX, 2016 stating that they did not open this account, claiming they were unable to verify information. 

Upon phoning them again, they refused to provide any information about what information about me they were unable to verify. They claimed my account was now closed. All representatives I talked to were completely uncooperative and entirely unhelpful about what I could do going forward to re-open this simple checking account. Note that I have been a Citibank credit card customer in good standing for over 10 years, so their bank does have extensive information about me. Also, I was not applying for any form of credit from Citibank. Instead, I was attempting to deposit my money into their bank. 

When originally opening this account, I told them that I was applying using Promotion Code = XXXX, which would allow me to receive a {$500.00} cash bonus if I met certain requirements of the promotion. It became clear in talking with their phone representatives that they were trying to not open this account to avoid eventually paying me this {$500.00} bonus. 

Their offering this new account opening bonus promotion and then refusing to actually open the account constitutes consumer financial fraud, deceptive marketing practices, and sales misrepresentation. I am requesting that ( 1 ) Citibank re-open my checking account under the terms of the original {$500.00} cash bonus promotion, and ( 2 ) the Consumer Financial Protection Bureau investigate Citibank 's many marketing promotions for all other instances of misrepresentation, fraud, and marketing deception.

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 08-04-2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I would like to know how do I pay back bank of American my out standing amount

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 05/19/2017 about Debt collection (Other debt) with Berlin-Wheeler, Inc. (Kansas) (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had an outstanding bill of  XXXX  ( for services I did n't know I owed ) with   XXXX   on   XXXX   XXXX  nd I currently receive statements from them just fine via email and at my current address. I paid this debt and even spoke to a rep at  XXXX  and said I was fine and it was from a service rep coming to my house for additional services.   On  XXXX / XXXX /  XXXX   I received a call from a collection agency in Kansas for an unpaid debt with  XXXX , I then asked what this is for and they said for {$100.00} and I said for what and they said for  XXXX . I hung up and called  XXXX . Both the billing dept and Collections dept told me I had a  XXXX  balance with them. Then they told me they could n't help me and I needed to speak to billing again. After telling them I was called by a collection agency 5 times they finally looked into it and stated I owed {$100.00} for a unreturned modem from the previous address. I stated I gave that to the technician. They said they do n't see that in their records. I told them I always pay my bills if I miss a bill I pay it as I have before. I also asked for proof of this as I have received nothing in the mail from them saying I owe this. They could n't answer any of my questions but say they sent it. However I received the  XXXX  statement from them just fine and other previous statements. I also said I called in several times prior and this was never brought to my attention. They said it 's not the rep 's job to look at every account. I sign online and my account says I have a  XXXX  balance and I have no messages or notification. I am not paying for something I gave back and have never received ANYTHING in the mail or email that I owe. They can use the excuse of " it 's a different account '' all they want but my email has not changed so they could of sent an email but they have n't. I feel as this is mistreatment and should be reported so no one should go through this as well.

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 04-12-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Deposits and withdrawals

Complaint: I have a complaint about Chase Bank..I deposited a 3rd party check, I know for sure that the check is legit and the writing bank has no issue with clearing the check..Chase employees keep giving me the run around and giving me mixed information..They told me that the actual payee of the check would have to provide a phone number for them to call and we provided that info, there are actually XXXX numbers associated with her phone account that 's under her name which they say they ca n't verify any of the numbers ( how odd ) ..Then the first person I spoke with let me do a 3rd party call with the person who signed the check over to me, the second person let me do 3rd party call, of course I had to speak to several employees and still nothing accomplished, after speaking to the second person who also gave me her name I spoke to a third person who said that we could n't do 3rd party calls and also told me that they ca n't give me their name ( yes I know that she was supposed to give me her name ) to make a long story short they restricted my account and told me that once the check clears with the other bank then they will send the money back but my thing is why even let the check go that far? They should have just sent the check back to me or just cancelled the transaction out and let my account remain open considering that there is obviously no fraud in the situation because I have spoken to the other bank and everything is fine on their end..I never knew it was illegal to deposit a 3rd party check..The list of their bad customer service can go on for days, but my main concern is them restricting my account and not to mention they told me that I can put money into my account but I will never be able to touch it and that 's where all of my jobs sends my direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with Stevens Business Service, Inc. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted XX/XX/XXXX regarding a debt that they said was owed from XXXX XXXX from XX/XX/XXXX. I moved from an address in XXXX, MA on XX/XX/XXXXand at that time disconnected my XXXX XXXX service and paid off my bill for {$500.00}. The lady on the phone could not tell me my last payment or when I disconnected service. I called XXXX XXXX and they told me to call back the collection company. I have not received a phone call, bill, or letter from anyone since I moved and disconnected service.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ask company to provide validation that debt was mine and the stated that they do n't have to. sent a validation letter on  XXXX  and still have not heard from the company for validation. Also disputed with the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: As of XXXX XXXX, 2016, I have now submitted on three different occasions, XXXX XXXX, 2016, XXXX XXXX, 2016 and again on XXXX XXXX, 2016 disputed information to Experian Credit Monitoring Services regarding incorrect personal informatin on my credit report. The fact that my disputes and requests for correction never get addressed and I 'm never even notified by any party on the outcome, if there is an issue ( s ), if there 's a need for additional information, or of anything, I 'm continuing to have to submit disputes to Experian Credit Monitoring Services regarding correction of my personal information. The fact that each time nothing gets corrected, raises significant question regarding the overall reliability, integrity and validity of Experian Credit Monitoring Services of doing any part of their job in investigating and correcting and responding to my inquiries, disputes, and requests. A copy of this complaint is being forwarded to other governing agencies, one of which will include the Office of Inspector General, Federal Reserve. 

On XXXX XXXX, 2016, I submitted an online dispute notification to Experian Credit Monitoring Services, but nothing was ever corrected regarding my dispute of personal information. 
On XXXX XXXX, 2016, I called Experian Credit Monitoring Services and spoke with a representative who identified herself as XXXX and she indicated she was on " Team XXXX ''. XXXX stated she would correct all of my personal information in which I had originally disputed on XXXX XXXX, 2016. We went through each item line by line. 

On XXXX XXXX, 2016, upon reviewing my credit report once again from Experian Credit Monitoring Services, my report is still showing the incorrect personal information that was supposed to have been corrected upon online submission of my dispute and correction request on XXXX XXXX, 2016, and upon my subsequent follow up verbal telephone call on XXXX XXXX, 2016 to Experian Credit Monitoring Services which entailed a verbal discussion with representative, XXXX, who stated over the telephone on XXXX XXXX, 2016 that the personal information has been corrected.

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 06-03-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Pioneer Credit Recovery is fraudulently claiming to be collecting on a debt for the XXXX. They call me weekly and demand payment. The XXXX terminated their relationship with Pioneer Credit Recovery in XXXX of 2015. Payment for my XXXX loans is being made through IRS tax garnishment. It is my belief that Pioneer Credit Recovery is committing wire fraud since they have no professional relationship with the XXXX and therefore can not collect debts on their behalf. I want other debtors to be wary of making any payments to this 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 03/24/2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Credit line increase/decrease

Complaint: Creditor Synchrony Bank is using unfair credit practices. The company has reduced my credit limit on a number of occasions and each time it is without timely notice, i.e. written communications. Since this has occurred, I took notice of the timely of the mail and they took adverse actions to my account prior to my notice thereof and further more reduced my credit limit below my outstanding balance. Since this company has taken over for GE Capital it has been a nightmare. I want my credit limit restored so it does not continue to adversely affect my credit until such time as I can pay the account off.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I put a credit freeze on my data at Experian on XX/XX/XXXX by telephone. Subsequently, I was sent three sets of documents, also called reports, by Experian with an identification number. The document advised me to save this identification number because I would need it to validate my identity with Experian should I need to temporarily lift the freeze on the credit report. Each report had the same identification number. The number contained 6 leading XXXX followed by 9 other digits. 

On XX/XX/XXXX and again on XX/XX/XXXX, I attempted numerous times to temporarily lift the credit freeze on my credit data. I was unsuccessful and encountered the following problems. 

The use of leading XXXX defeats the purpose of a unique ID number since the online form accepts any number of digits up to a maximum of 10 and there is no way to know how many to enter or whether on should enter any at all. 

Regardless of the number of leading XXXX, since I tried all possible combinations which the form would accept, including NO XXXX, the online form to temporarily lift the freeze would not accept this number. In each case I included the other 9 digits. 

I also tried the number I was given when initially creating the freeze over the phone but which had not worked during a previous temporary suspension of the freeze. This number was different from the one sent by mail on an official form. This one had no leading XXXX and contained 10 digits. This was also rejected. 

I then tried to establish my identity without a PIN using a series of questions. I answered each question correctly but Experian rejected this method of validation as well. Apparently the data they collect is often inaccurate and invalid and produces many false negatives. 

Finally, I tried to upload a PDF scan of the three documents they sent again using their online form, but their system was unable to upload this document. 

Experian does not provide telephone support to resolve problems like this. For a company with so much power over the financial lives of Americans to display this degree of incompetence with no way to quickly resolve issues is completely unacceptable. 

I need a valid identification number to use to temporarily lift the credit freeze on my credit report promptly from Experian. This number should contain no leading 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 02-01-2018 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (OH).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I have a prepaid Citibank card and a merchant issued a refund of XXXX to it because it was one of the cards I had on file with them. This was issued in XXXX of 2017. I have contacted Citibank numerous times and sent them all documentation they requested. I have documentation from the merchant showing this transaction and Citibank accepting the credit of XXXX. The merchant had 2 cards on file for me as I have an ongoing marketing account with the company, the other bank card on file had expired and it was the one charged for the original purchase however they automatically remove cards with expiration dates so they issued the refund to the Citibank card as they assumed I would receive it, WELL I never did and Citibank has kept that money for almost a year and has not added it to my prepaid card or sent the money back to the merchant so that they could return the money to me. All Citibank has done is give me the runaround and are holding the money that belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-07-2017 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (NJ).
Issue: Charged fees or interest you didn't expect

Complaint: I borrowed {$350.00}, I am being charged 795 % interest!

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 07/28/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I signed up for a CitiGold Checking account which promised a reward for joining of XXXX XXXX XXXX Aadvantage Miles. I was told on XX/XX/2016 what requirements I needed to meet by XXXX XXXX. On XX/XX/2016 I was told I met those requirements and that the miles would be deposited on XX/XX/2016. I have yet to receive the miles I was promised for opening the 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 monetary relief
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have pulled up my credit report in the Past and recently XX/XX/17, All my information is mixed with Fathers information. When Ipull up my credit report with my social security and date of birth it pulls up my dads information. I have also contacted a credit repair company suggested XXXX XXXX website and the rep that I spoke with also pulled up the report and there in fact showed Accounts that belong to my father. Also My father is Not deceased so there is no reason for this mix up. There are inquires that have been on my credit report for a more then five years. There also credit cards that were opened with my information.

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 03-01-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Rewards

Complaint: In XXXX/XXXX/2015, Citibank customer manager decided to close my Citi Double Cash credit card due to a phone call argument over various bill pay payments that I 've made from outside banks. As a result I 've lost {$330.00} of cashback for this month that they did not honor upon my account closing. To make matters worse, this Citibank manager then made a personal call to close my Citi Premier card out of malice, resulting in XXXX of lost points worth {$530.00}. I believe that my accounts were unjustly closed by Citibank and I was not given the chance to redeem my cashback and point rewards worth well over {$860.00}.

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 01/18/2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage due to medical issues in XXXX XXXX. I hired an attorney to help me submit an application for assistance with my lender US Bank. My attorney submitted my complete financial package on XXXX XXXX, XXXX. US Bank sent me a letter dated XXXX XXXX, XXXX, confirming my complete application was received. My attorney has been contacting US Bank since then and they now say there is no review open and they have no status of my review. According to my attorney, RESPA Reg X requires my lender, US Bank, to give me a decision in 30 days after receiving my complete application. Today is XXXX XXXX, XXXX and It has been 45 days since my application was confirmed complete. I have no review open and I am getting closer and closer to a foreclosure.

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 06/29/2016 about Debt collection (Payday loan) with WLCC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: continuous calls to my employer a letter via fax to my supervisor with a demand for payment through payroll deduction

Company response to consumer: Closed with monetary relief