milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: " Get a {$400.00} bonus when you open a new Citigold or Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days '' - Citibank website. 

In XXXX Citibank widely advertised their promotional offer. They promised to pay {$400.00} to the new users of Citibank account package/Citigold account package. {$15.00} XXXX deposit was required. Initial {$15.00} XXXX deposit should have been kept on account for 30 days. They promised to pay {$400.00} bonus at the end of 90 days term. Link to the original offer on their website ( unfortunately, does n't work anymore ) : https : //banking.citibank.com/cbol/16/checking/aquisition/400-offer/default.htm XXXX : I opened Citibank account package and made a qualifying deposit. Money was kept on account for 30 days. After 90 days no rewards were paid to my accounts. 

XXXX : Gave a call to Customer support, asking what 's going on with promotional offer. Investigation was opened, Reference number : XXXX. 

XXXX : Got a letter regarding investigation from XXXX, specialist of Premier & Escalated client Services of Citibank. Letter stated : " A credit of {$400.00} is being processed to your account in fulfillment of this offer. '' Letter is attached to this complaint. 

XXXX : Talked to XXXX from customer support. XXXX confirmed that I was eligible for the bonus and it takes up to 30 days to process bonus. 

XXXX : Citi still did n't pay promotional {$400.00}. Placed one more call to Customer Support to check the status of investigation ( from XXXX, Reference number : XXXX ). They say previous case was already resolved and they sent a letter to me. When I replied that I expect a result not a letter, they offered to create a NEW CASE TO RESOLVE THE PREVIOUS CASE. And provided me with a new case number : XXXX. Amazing customer service experience. 

I 'm not alone, you can see many similar complaints to Citibank across consumerfinance.gov website.

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 05-07-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: i have been paying this company  XXXX   XXXX   XXXX  for the past few years. I have n't received any updated bills or receipts regarding this medical bill. I would like bills regarding this issue so that  I may match it with my records to ensure I am paying the correct bills an d the correct amount. In the past few years I have received  XXXX  different bills from this company and have enclosed information showing where they have been paid monthly and the original bill dates and the amount still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX Capital One filed a XXXX with IRS for a charge off of a XXXX card debt in XXXX. I have no records of this at all. I found out about it from the IRS. On call Capitol One, they will not send any documentation, only the card number which is not mine. I have never had any calls, letters or other correspondence on this issue. The IRS is currently charging me interest and has threatened fines and will not even discuss relief on this issue without documentation, of which I have none. I did work for a company that filed bankruptcy around XXXX and it is possible that my name was attached to a corporate card at that time, but those records are no longer in existence. and if that is the case, why would Capital One wait 12 years to do something about it. 
I have spoken to at least XXXX different people at Capital One, including XXXX supervisors in the recovery division, and have been offered no help. I have asked for documentation and have been told that the documentation was mailed to some XXXX XXXX that I never heard of. I asked repeatedly for them to email of fax me the account info so that I had something to show the IRS but was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have a credit card through elan financial. 4 payments have been made on my account by another party totaling XXXX ( approx. 1. 1400, 2. 2900, 3. 9800, 2. XXXX ). This occurred over the period of a month. I called after the first one and the removed it add applied in error, but then another appeared, I again called and this time changed my account number. Then two more payments appeared, they said the account number change did n't matter since they forward it for a year ( which I should have been told in advance ). Now I ca n't make my normal payment because it does I 've over paid ( my balance was less then 200 ). One they find where these payments belong and I can finally pay I 'm going to be charged for finance charges because of there mistake ... Also the amount of the payments seems like money laundering but they have ignored my repeated calls.

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 06/13/2015 about Student loan (Non-federal student loan) with Alorica Inc. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: In XX/XX/XXXX, my US Department of Education Loan was sent to West Asset Management. At that time I entered into a payment plan of {$55.00} a month taken directly out of my bank account. Faithfully for the past XXXX months this withdrawal has been taken out with a monthly reminder sent from West Asset Management that I granted them permission to do so. On XX/XX/XXXX a XXXX XXXX called XXXX XXXX at XXXX leaving a message stating that she was calling to speak to him in reference of me. Also on XXXX XXXX XXXX called XXXX XXXX and stated to her for this call was that the reason XXXX was calling was because I had XXXX XXXX listed as a contact person in my file. Both of these phone calls were told as a lie and are harassing to these individuals. I have the original paperwork that was sent over to West Asset Management and neither of the people that are listed above is on my paperwork. West Asset Management employee XXXX XXXX crossed the line when she lied to these individuals and did not have permission to contact them. If West Asset Management was trying to get in contact with me, they could have sent a letter just like they do every month to state they will be making the withdrawal for payment. I can see if I missed a payment and they needed to contact me regarding non payment, but I have my all of my bank statement starting from XX/XX/XXXX to present that payments have been made on time. West Asset Management should not be allowed to do this to anyone. The debt is being paid on time and the harassing and lying should get them maximum fine for crossing the line because I am following through with the agreement we have in place, and they did not have my permission to contact anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (NY).
Issue: Trouble during payment process

Complaint: My name is  XXXX   XXXX  In   XXXX  , a series of events caused me to fall behind on my mortgage payments. I contacted my mortgage servicer (   XXXX   XXXX    ) to tal k about reinstatement. However, the lender and its agents denied me the right to reinstate my mortgage because they grossly inflated the reinstatement amount by $  XXXX  which effectively denied me the right to seek all loss mitigation options and forced me into a wrongful foreclosure. The actions by the lender and its servicing agents are at the minimum grossly negligent or at worse fraudulent. I wa s only two months beh ind in my payments which combined was less than {$5000.00}, but instead of sending a notice that I could reinstate the arrears for the actual amount of arrears, they sent me threatening letters that I had to pay {$65000.00}! Please help me and my family.     Recently, the servicing of my mortgage has been transferred from  XXXX   XXXX   XXXX   to  Shellpoint Mortgag e.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened an account with Regions bank on XX/XX/2017 after receiving a promotional offer in the mail of a {$400.00} bonus after signing up for online statements, and making 10 purchases within 60 days. This was all confirmed to me by the representative that opened my account by phone. He said the {$400.00} would post within 120 days after account has been opened. 

Regions is now offering the same promotion but has reduced the 10 debit purchases to 30 days. The person that opened my account made did not make mention of that and told me directly I had 60 DAYS. Which was the promotional advertisement by Regions, for 60 days. 

Regions is denying me the {$400.00} bonus saying I did not post 10 transactions with 30 days, even though their very own representative told me I had 60 days!!

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 05/18/2015 about Mortgage (Other mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX my husband & I received a mortgage loan of XXXX dollars to get XX/XX/XXXX square foot home on land my husband inherited from his father. We got behind on the payment a couple of times and received several phone calls from Vanderbilt Mortgage harassing me and my husband at all hours of the day even when we told them to only call on Wednesdays from XXXX. They called my father, mother-in-law, and brother-in-law threatened them that we did n't pay they would take our home. I did n't sign the contract my husband did but I still received multiple notification including from their attorney with my name saying that I was a creditor that signed the contract. We had to change our phone number several times and my mother-in-law had to disconnect her phone number because they would not stop harassing her. THey harassed me into going to labor with my last XXXX. I was hospitalized for a month to keep me from going into labor at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Debt collection (Auto) with DriveTime (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: If the payment is not there immediately on the day it is due, regardless of the 10-day grace period or the fact that I have NEVER paid late in over a year, they call that day and every day until it is received. Payments are scheduled on paydays and it takes a couple of days to get the payment to them, so I have over 70 calls logged from them in the past year. I ca n't stand it! Give me a few ( 5-10 ) days grace period and THEN if I have n't paid, I understand a call, but this is utterly ridiculous!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (I do not know) with Client Services, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called me threatening to sue me without giving me any information. Also called my daughter threatening her also.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX was my mortgage servicer during chap XXXX bankruptcy and that loan was reported written off in XXXX & included in Judge 's discharge. Correct. XXXX buys mortgage in XXXX and also reports chap XXXX write off duplicately reporting and not showing any payment history in spite of reporting loan open date of XXXX where there involvement did n't start until XXXX. They were paid on time 100 %, No short sales, No foreclosure, and received over {$340000.00} in on time payments. At least 12 requests complete with bankruptcy, XXXX XXXX, and FCRA documents and continues to DUPLICATELY report write off on both XXXX & XXXX accounts of {$310000.00} each. Financially hurt by credit score resulting in new mortgage rate of +.6 % over 30 years, and increase of {$1700.00} in closing costs. Very expensive mistake XXXX refuses to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with JPMORGAN CHASE & CO. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I received a certified letter from Chase attempting to collect a safe deposit box fee that was cancelled and discharged through Chapter XXXX bankruptcy. I filed in XX/XX/XXXX, discharged in XX/XX/XXXX. The deposit accounts and all closed and discharged. 

I emailed the Chase Executive Team on XX/XX/XXXX, and still to this point have been told that the legal team has it but no updates or other information can be given.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: After I opened master card I used it only few times and then paid it off. I received bill six months later stating with a credit limit of {$300.00} I had a balance of {$500.00}. I disputed transactions and said that I am not able to find card and that I didn't use it for six month. 
After a month they send me exactly the same bill. Considering that I don't have access online this makes the whole process very difficult.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: Hi ON THE XXXX OF XXXX I WENT TO XXXX AND DEPOSITED {$840.00} ON TO MY PREPAID RUSHCARD ... .UP TO THIS DAY THE XXXX OF XXXX I HAVE YET TO RECEIVE THIS MONEY ON MY CARD FROM THIS COMPANY ... ..I CONTACTED XXXX AND THEY TOLD ME THAT EVERYTHING WENT THROUGH AND THE PROBLEM IS WITH RUSHCARD ... .I HAVE CALLED RUSHCARD FROM THE XXXX UP TO TODAY THE XXXX OF XXXX AND CAN NOT GET THROUGH TO CUSTOMER SERVICE..THEY ARE HANGING UP THE PHONES, ,NOT ANSWERING, ,LONG WAIT TIMES TO TALK O SOMEONE..ETC ... THE FEW TIMES I GOT THROUGH TO THEM LAST WEEK THEY TOOK MY INFORMATION, REFERENCE NUMBER FOR MY XXXX DEPOSIT AND SAID THAT IN 2 DAYS MY MONEY WILL BE ON ... ..STILL NOT ON MY CARD ... ..CALLED AGAIN AFTER THAT THE SAME EXACT THING ... YOUR MONEY WIL BE ON IN XXXX HOURS..UP TO THIS DAY STILL NOT THERE ... .I HAVE BILLS TO PAY, RENT, MEDICAL FEES, ETC ... NO ONE CARES AND NO ONE IS HELPING ... ..ON XXXX THE OWNER OF RUSHCARD ID ON THERE SAYING TO DM HIM AND EMAIL CUSTOMER SERVICE..I DID THAT MANY TIMES AND STILL NO RESPONSE ... .THIS IS BY FAR THE WORST POSSIBLE THING I HAVE EVER GONE THROUGH ... I WANT AND NEED MY MONEY ... .HE IS SAYING THAT EVERYTHING IS UP AND RUNNING BUT YET THOUSANDS OF PEOPLE STILL CAN NOT GET ACCESS TO THERE MONEY AND ACCOUNTS ... .JUST ENDLESS LIES ARE BEING TOLD ... ..WE NEED OUR MONEY NOW, ,AND W NEED TO BE COMPENSATED BECAUSE THIS HAS MESSED UP MY LIFE AND MANY OTHER 'S ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2017 about Debt collection (Auto) with Financial Assistance Inc (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I did n't give permission for this car to be put in my name. I was taken advantage of while having XXXX and being out of my mind on medications and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Struggling to pay mortgage

Complaint: Informed my lender ( Nationstar Mortgage ) in XXXX XXXX that I had discovered that my original home loan they had bought from XXXX XXXX XXXX XXXX XXXX contained falsified information on my income and assets. I was unaware when I originally obtained the loan that the lender XXXX XXXX XXXX XXXX had falsified information. Consequently, I now owe more than the home is worth and the ARM in the original note has nearly doubled my mortgage payments. I am trying to obtain a loan modification from Nationstar but was informed that the modification had been denied. I have yet to receive any formal letter from Nationstar but the Nationstar Rep mentioned that I would pay more if the loan was modified. I am only asking for an option to keep my home that I have lived in for XXXX years. The loan from XXXX XXXX has damaged my credit, the terms of the loan that I thought I was agreeing to were not what I had been led to believe, and I have no equity in my home. I do not want to lose my home and I am trying to come up with a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Billing disputes

Complaint: I stopped using my XXXX Credit card several years ago- ( 9-10 yrs ). Not so soon after that I was sent bills from XXXX to pay for items ( {$10000.00} ) I never bought, and alerted them about this. I also asked target on several occasions to send me the original receipts w/my signature. They never sent them..With-in a year or so after that, THEY SUED ME THEY NEVER SERVED ME AND the case went into judgment- I ONLY LEARNED OF THE JUDGMENT WHEN MY EMPLOYER RECENTLY RECEIVED A NOTICE OF GARNISHMENT. 

MY NEW ATTORNEY WENT TO THE COURT COPIES THE FILE AND DISCOVERED THAT I WAS NEVER PROPERLY SERVED THE AFFIDAVIT OF SERVICE WAS INCORRECT. 

I FILED AN OSC TO VACATE THE JUDGMENT AND A STAY WAS GRANTED. 

XXXX IS TRYING TO COLLECT MONIES FROM ME WHICH I DO NOT OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was in a XXXX a XXXX when this accured. This is over 7 years old. Please send me more info on this. My sister had all my credit cards when i was in the hospital at XXXXXXXX, XXXX am disputing it Because I dont know anything about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Dear CFPB, I was subpoenaed to come to XXXX County XXXX XXXX Court to work out a payment arrangement with XXXX XXXX XXXX XXXX XXXX from XXXX, FL whom were representing XXXX XXXX XXXX who was representing Citi/Sears XX/XX/16 I made my 1st pmt theday of the court date but XXXX XXXX XXXX XXXX XXXX filed a judgement against me on XXXX/XXXX2016. I did  n't understand why they did this when I worked out a payment arrangement with the mediator and their law firm. I paid the debt in full. Well, I am trying to close on a Home Equity Line of credit and I was informed by the title company that I have a judgement on my credit report even though I completely paid off my debt. ( See Attached Letter ). I come to find out through internet research that XXXX XXXX XXXX XXXX XXXX is no longer in business. I sent an e-mail to them asking for my judgement to be satisfied and to send me a letter with my Case # XXXX and Document # XXXX stating that my judgement was satisfied.

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 05/22/2017 about Debt collection (Other debt) with Credit Bureau Services Association (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX  says that I owe {$900.00}, I had already paid the {$900.00} the time I was moving out of the apartment. Then they said the {$900.00} was for the carpet repair, it is impossible as I had already cleaned the carpets myself and paid someone to do that. I DO NOT owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had the loans through the department of education and had trouble getting them paid for a long time. They decided to transfer the loans to FedLoan without my knowledge. I did not receive any consultation or letters informing me of the change. So when I started receiving post and calls from FedLoan I originally thought I had been the victim of identity theft. Once I got a chance to actually talk with them I was able to get started paying on my loans.

Company response to consumer: Closed with explanation