milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: In XX/XX/XXXX Citibank started offering {$300.00} to sign up for The Citibank Account Package ( checking account ) between XX/XX/XXXX XX/XX/XXXX. I signed up for the Citibank Account Package on XX/XX/XXXX online. In order the receive the bonus the offer terms stated that Within 45 days after account opening you must complete the following : ( 1 ) you must complete 1 qualifying direct deposit to your checking account OR make 1 or more qualifying purchase transactions with the Citibank Debit Card totaling {$250.00} or more, and ( 2 ) make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or a new or existing Citibank Savings Plus Account, and ( 3 ) maintain a minimum balance of {$15000.00} for 30 consecutive calendar days following the date when you made your qualifying deposit. Immediately after opening the account, I mailed in a check to be deposited for {$15000.00}. It took Citibank a full 23 days to deposit my check and then an additional 7 days deliver my welcome documents to my house so that I could set up my direct deposit. At this point, Citibank rendered it impossible for me to set up a direct deposit in time to fulfill their 45-day requirement. So instead I made a {$250.00} debit card transaction on XX/XX/XXXX. After the 90 days waiting period Citi had still not deposited my {$300.00} checking bonus even though I had met all the requirements as outlined above. I contacted them several 2 separate times about this issue and each time the front-line customer service rep said that I met the qualification standards for the bonus. Upon further Citibank review, they said that I did not qualify for the bonus because they consider my debit card transaction as a transfer instead of a transaction because it was marked as a money send. Looking through all documentation on what Citibank considers a transfer proved to show that this didnt make any sense. Citibank lists XXXX as a transaction type and not as a transfer type. Furthermore, the promotion sheet used by Citibank only states that the purchase must be made using the debit card to buy goods and services, which I did. Because of Citibanks lackluster turnaround time on opening my account, I was forced to make a {$250.00} purchase I wouldnt have otherwise made and eventually on XX/XX/XXXXI did make that direct deposit, unfortunately, it was 5 days past Citibanks 45-day window.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: I put a fraud alert on my credit records with XXXX, since they told me on the website that my data was compromised. I arranged to put a fraud alert on my records, which XXXX said would be shared with XXXX and TransUnion. I received a letter dated XXXX XXXX, XXXX telling me that the alert had been effected and that I should receive notification from the other 2 agencies. I had received an email confirmation from XXXX that the fraud alert was in effect. The letter from XXXX said that I should receive written confirmation from both of the other 2 reporting agencies and to contact them at the telephone numbers provided in the letter if I had not received such confirmation. I telephone TransUnion on XXXX XXXX, XXXX and, after wading my way through menus, finally got a human who confirmed that the alert was in place. I asked for written confirmation, either by letter or email to confirm that. I was told that they, TransUnion, was not providing any such confirmation and the only thing she could do was to give me my file number so that I could check in the future to see if the alert was in effect. XXXX told me that TransUnion is required to notify me in writing of this alert being in effect.

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 04/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (SD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I payed the XXXX XXXX office with my XXXX credit card and they said they never received payment, I have a receipt and they always make you pay the day of service

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 12-04-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2016 I received a correspondence from Bank of American stating that my credit card account ( XXXX ) is being closed by the bank for irregular activity. My credit line is {$47000.00} and I made a small purchase around {$3000.00} at a local liquor store. I called and spoke to a manager in the credit department and what I was advised was that the merchant where I used it at was a red flag, therefore the bank decided to close my account, and final decision is that they will not be able to reopen my account. I feel that my credit card account is being closed for a reason that is out of my control, and it has nothing to do with my credit, nor financial status. I believe no individual has control and knowledge as to where to use a credit card that is not a concern for Bank of America. I will like to have this information reviewed and I strongly request to have my account reopened so I may be able to continue my relationship with Bank of America.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX,2017 somebody Opened account for {$1000.00} usd from XXXX XXXX and was not me, My credit score got down from XXXX to XXXX in equifax only, for that reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I am reporting a man named XXXX XXXX. He calls from a disguised number and says he is the " Director of Hardship and Mitigation ''. Later he changed it to " Hardship and Litigation ''. He used to call me and just say he was collecting a debt but he has now changed his tactics with a " professional sounding title. " This man has been harassing me for years, and supposedly he says I owe money to a bank. I called the bank in question and they have no record of it, and are not suing me that they know of. 

He has called my parents and scared them, and threatened many times that there was a lawsuit, though i have never seen any papers for any lawsuit. He has repeatedly called my place of business, and my cell phone, when he does not have permission to do that.. I told him years ago to stop harassing me and he responded in a hostile manner. 

This is a false claim because if there really were some sort of lawsuit I would have been served papers. 

He keeps leaving cryptic messages, including to my parents, indicating I was in some type of danger. It scared them a lot and they called me thinking I was in the hospital or something. He stopped for a while, then started up recently, again insinuating that there was some sort of court case. 

Since I have actually dealt with other debt collection companies that are reputable, I know that he is phony.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: CONSTANT PHONE CALLS ARE BEING MADE TO THIS NUMBER WHICH IS MY FAMILIES NUMBER NOT MINE. I HAVE TOLD THEM TO STOP NUMEROUS TIMES AND THEY CONTINUE TO KEEP CALLING. THEY ALSO CALL MY PHONE NON STOP

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 03-05-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland Funding LLC continue to send collection letters for a debt that was already paid to them. Their attorneys XXXX XXXX and XXXX offered me to delete the credit report in exchange for the payment in full of {$1200.00} as of today they have not deleted the credit report and they continue trrying to collect the debt already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Bank of America is at it again with their overdraft fees. I check on my account at least every other day. Sometimes I do not have access to a desktop and use my mobile banking to check balances and such. They have created a new trick which allows you to see your " account balance '' on mobile devices but apparently it 's not a true balance. I.E : the statement page shows a balance of {$25.00} but at some point over the last 24 hours unbeknownest to the customer, a debit will have hit the bank ( I know that occasionaly my auto bills will come a day or XXXX early without warning ). Bank of America hides this information on a page that is not available through mobile banking and even on the desktop is difficult to find. They then wait until they have extracted their {$35.00} fee to even send an alert giving the account holder no fair warning to be able to put funds in before the item causing the fee posts. I received an email at XXXX today, checked my account, showed an available balance of approx {$50.00} after the supposed insufficient item that triggered the fee but on their other page which is conveniently not readily available, it shows differently. This secondary tab also shows " available balance history '' and " statement balance ''. In other words, the balance that they give you ready access to through mobile and first sight on a desktop is completely different then what they claim your balance is. I.E : my available ending balance on the " hidden tab '' is $ XXXX but my statement ( what I can see when checking in on my mobile device and the first screen on my website ) is {$51.00}. They deliberately hide your true balance, do n't send notifications warning of insufficient funds until the middle of the day after they have already hit you with a fee and do n't give you opportunity to get funds deposited before taking their fee ( e.g XXXX sends an immediate alert and gives you 24hrs to deposit funds before charging a fee ). I have lost over {$100.00} with this sneaky practice over the last year. I am pretty diligent about making sure money is there to cover bills but occasionally a company will post early without my knowledge creating this nightmare. If I had visibility to it when it happened and had a chance to deposit funds, there would never be an overdraft fee but as usual Bank of America has found another way to steal money off their customers.

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 12/19/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am disputing account number XXXX with XXXX XXXX XXXX for an amount of {$980.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: XXXX Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XXXX XXXX. That is inaccurate. At the time, I requested a new closing date on the XXXX account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XXXX XXXX for XXXX XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation and you will see form the XXXX records that a closing date/due date WAS in fact changed, leaving that as my only evidence. However, I do not believe any of the the 3 credit reporting companies investigated this properly, took XXXX at their word with no evidence of the recording ( which XXXX tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.

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 01/27/2017 about Debt collection (Credit card) with WELLS FARGO & COMPANY (AK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Disputed the account being in collections due to it being fraudulent. Contacted Wells Fargo and they had no record of charges in order to prove we did not open or have control of the card. It has been more than a year ( exceeding the 30 days required to respond to a dispute ) and nothing has been provided to us. We are demanding that the report be removed from our credit history. The account is listed twice, both showing " disputed '', and we want both to be removed.

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 12/13/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification in XXXX 2016 and up till now have not received an answer in writing though the assigned customer service representative said the application was declined regardless of my financial hardships and death in my family. The service I received from the Bank especially through the agent XXXX XXXX is very unacceptable and derogatory. Please help me out. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I previously submitted a complaint to CFPB. You assigned it complaint number XXXX. The company responded to the complaint and attached a credit card statement that shows my name with an address that I never occupied. This means that this account was opened using identity theft. Though I requested from the collection agency to obtain a copy of the signed credit application and send it to me, they instead sent you a credit card statement. Yet as you can see, the address on the statement is an unknown address for me and this is why I demand that the collection agency obtains and sends me the copy of the signed credit application for that debt. The collection agency has replied on the documents attached to the first complaint I filed, a letter indicating that If I believe that the account was a result of identity theft, that I must file a police report. I went to my local precinct to file an identity theft, yet when I showed the letter from LVNV funding where it says account opened in 2010,  the officer refused to give me a report because he says he ca n't file a report for something that happened 7 years ago and without evidence such as the signed application which LVNV funding failed to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Consumer Loan (Title loan) with Westlake Services, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I bought a truck advertised at {$6400.00} on XX/XX/2015. I gave a {$1500.00} down payment which left a balance of {$4900.00}. I received the loan payments breakdown of {$350.00} per month for 37 months. That is a total of {$12000.00} plus the initial {$1500.00} deposit. So I am financing {$4900.00} to pay back {$12000.00}? Furthermore, I did not get to drive the truck until the A/C was repaired as advertised. The car is not street legal as there are broken taillights which they promised to repair and the tag lights are also inoperable. I did not receive the truck until XX/XX/2015 with the paperwork of my financing. When I told them that I did not want the truck because this was not the advertised price, they said that I would lose the deposit and I already signed all the documentation. So then, Westlake Financial called me to ask for pay stubs. I asked them if I did not cooperate, would I still get approved for the loan. They said no. Good. Now I can get my money back.Right? Wrong! I have been lied to by every single person employed at XXXX and would like to purchase the truck at the advertised price of {$6400.00}, or return my down payment. Furthermore, they asked me to lie to the finance company -- by telling me what to say to them when they ask me questions. I am suppose to meet with the Sales Manager today and am extremely nervous about the outcome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Deposits and withdrawals

Complaint: Bank of America allowed XXXX Federal IRS tax refund checks that were jointly written to my ex husband XXXX XXXX XXXX and myself XXXX XXXX XXXX to be deposited and cashed by my ex husband without my authorization or signature. I do not now nor have I ever banked with them. The checks in question total {$730.00}. They were deposited into his checking account at one of their atms in XXXX, Maryland. The checks were never stopped once the transactions were posted on the next business day. The checks in question were forwarded illegally to someone else 's personal P.O. Box that did not belong to either my ex husband or myself. I contacted them to resolve this issue but they have refused to deal with me since I am not the account holder.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Lending transferred my mortage loan to Ditech ; I did n't have a good experience with Green Tree and now I 'm having an awful experience with Ditech. Since Ditech has taken over my loan they have done nothing but harass me for a payment that is not even 60 days past due. They sent a representative to my home which their customer rep says is there practice when payments are 60 days past due XXXX my account is not 60 days past due - it was due for XXXX and XXXX but as of XXXX XXXX it is not even 30 days past due ). They have sent certified letters to my home noting the start of foreclosure proceedings for my past due account. They sent a letter to my husband on XXXX XXXX noting mitigation options for the loan even though he is not listed on the mortgage. They were calling my job everyday until I ask them to call my cell phone. Now they are calling my cell phone morning and night to discuss my account even though I have informed them of my reason for falling behind in my payments and my plan to bring my account current. I spoke with a Manager today who insisted that I make my payment via check by phone because if I used my XXXX XXXX XXXX account to make a payment that it would result in a check being mailed and a mark on my credit because it would be 30 days past due. I was transferred to the Manager because I thought he was going to address the non-stop phone calls, the daily letters in the mail, and ensure that no one showed up to my home to see " if my property was vacant ''. According to the Manager, Ditech sends a representative to the home to verify if the property is occupied once the payment is 60 days past due which my account has never been. My mortgage situation XXXX home upside down ) puts my family in a position that I am stuck with these predatory lenders ( although I have a great interest rate and have maintained a good payment history until my husband 's injury ) my loan keeps getting moved around as these companies transition from XXXX to XXXX to GreenTree and now Ditech. The mortgage needs to do more to protect homeowners from greedy, heartless, collection companies such as Ditech and others like them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief