milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Adverse information was incorrectly reported to XXXX and XXXX, and it was later removed from those XXXX credit reporting agencies at the request of the collection agency. A version of that incorrect information is now on Experian, however, and Experian has not allowed me to dispute it online. I have been told by people dealing with the agencies that Experian will " grab '' information from the other agencies even when it is not reported to them. And now I find I ca n't get them to cooperate in correcting the record without paying them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have XXXX hard inquiries on my Transunion credit report that I did not authorize. First from XXXX on XX/XX/XXXX. The second from XXXX on XX/XX/XXXX. Third from XXXX on XX/XX/XXXX. The fourth is also from XXXX on the date of XX/XX/XXXX. I did not authorize these inquiries and do not know what they would be for. I have sent letters to these companies to get them removed but have gotten no response.

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 12-03-2016 about Debt collection (Credit card) with Rodenburg LLP (MT).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: All I have received or heard from this collector was when a default Judgment was filed on me. I had not receive the judgement summons nor any other contact with this group before hand. Just a copy of the order granting Judgement and default judgement, Certificate of Service, and Notice of Entry of Judgement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: As of XXXX 2017, XXXX has not fixed the error that 's on my credit report. I have contacted XXXX and the Collection company on several occasions. Per the collection company XXXX XXXX XXXX they have alerted XXXX on several occasions to remove this account from my credit file. I disputed this account with XXXX and XXXX has not done anything about it. I even asked XXXX if they verified information send it to me and they refused to send it to me. I am wanting this account off my credit report immediately because I do not owe XXXX XXXX XXXX any money at all. XXXX does not respond or they take well over 30 days to respond if they feel like it. Please have XXXX  remove this account from my credit file immediately. I even tried calling XXXX to speak with a live person and got the run around, how can a company like this continue to report and do whatever they want to put on someone 's credit file just because. This is so wrong and this account 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 explanation
Consumer complaint received 06/26/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Last fall I opened a Citibank Citigold checking account with a promotional code XXXX which promised me a XXXX XXXX XXXX AAdvantage mile bonus if I fulfilled certain conditions : two online bill pays in two consecutive months and debit card transactions of {$1000.00} or more in the first 90 days of account opening. I fulfilled the terms of the promotion and I received multiple communications stating I would receive this bonus, but then when the time came for me to receive the bonus, I was suddenly " ineligible '' for the bonus and " denied. '' On XX/XX/XXXX I received my first communication confirming I have fulfilled the terms of the promotion and I would be receiving the promotion bonus for XXXX XXXX miles. Quoting from a Secure Message I received from Citi on XX/XX/XXXX : " I can confirm that you have completed the requirements for this promotion on XXXX/XXXX/XXXX to be eligible to receive the XXXX XXXX miles incentive. Per the promotion policy, the AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 days from the end of the statement period in which you complete all offer requirements. With this in mind, you should expect to receive your miles no later than XXXX/XXXX/XXXX '' On XX/XX/XXXX I received a second confirmation that I would be receiving the promotion bonus, also via Secure Message from Citi : " After my review, I confirmed that with the bill payment on XXXX/XXXX/XXXX and your total debit purchase of {$1000.00} being met on XXXX/XXXX/XXXX ; all promotional requirements have been met. To set your expectations, the miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. I was able to calculate that the miles will be credited to your AAdvantage member account by XXXX/XXXX/XXXX. '' Then on XX/XX/XXXX I received an abrupt denial of this previously promised bonus : " Unfortunately, there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. While Citi does offer AAdvantage miles promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I complained to Citi about this and requested that they at least refund me the banking fees which I had paid thus far to Citibank for the Citigold checking account. This was denied as well, claiming that I was not eligible because the promotional offer had not been " targeted '' to me. The original terms and conditions of the offer contained no such language that receiving the XXXX XXXX mile bonus was contingent on being " targeted. '' Given the promise of my receipt of XXXX bonus XXXX miles on several occasions and then an abrupt denial when the time came, I feel that Citibank has been very deceitful in its handling of this case.

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 05/15/2015 about Debt collection (Mortgage) with Real Time Resolutions, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I purchased a house XX/XX/XXXX, in XXXX, Georgia. Property address is XXXX XXXX XXXX, Georgia. At the time I purchased the property, I received a XXXX loan with XXXX XXXX XXXX. The 80 % was a conventional loan and the 20 % was an unattached note on the account. The property went into foreclosure and was sold in XX/XX/XXXX. The 80 % was satisfied, however the 20 % part of the loan was not. The XXXX part of the loan was sold to a debt collector which is known as Real Time Resolution. The debt collector, Real Time resolution has been reporting this as a late mortgage payment every month on my credit, when I no longer own the property, instead of an account in collection. Since the creditor has been reporting this as a late mortgage payment every month, it has really affected my credit. I have reached out to the creditor directly and also disputed on my credit report, and the creditor refuses to make the necessary corrections. This is an unfair and deceptive way of reporting a debt as a mortgage debt instead of an collection, when the creditor bought the debt and is clearly identifying themselves as a debt collector. I need for the creditor to correct my credit reporting information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
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: XX/XX/XXXX E-Mail XXXX Case # number XXXX XXXX I have a Tenet that ran up a {$1100.00} cable TV bill Including equipment and early termination fees with XXXX and the service was disconnected. Later I found out that XXXX would not turn the service back at that address until that debt was paid. 
Over the telephone XXXX XXXX ( XXXX collection agency ) and I agreed to a settlement of {$700.00} for this {$1100.00} debt and we agreed that I would be getting a proper confirmation letter in the mail within XXXX days. 
Settlement date XX/XX/XXXX At that time XXXX XXXX ( XXXX collection agency ) told me that they would be mailing me a confirmation letter in the mail confirming the transaction. 
I called them back one week later XX/XX/XXXX because I did not receive it. They said that they would mail it to me and it should not take longer then a week and I still have not received anything. 
This transaction was a reduced settlement amount agreed by myself and the collection agency for a debt my tenant had for a cable TV and Internet service that tenant failed to make payments for. The reason why I paid it was XXXX would not start a new service at the address unless the debt was paid. 
Being that it was a reduced settlement for the debt owed, I need a proper invoice with account number so XXXX does not come back to me for the balance, and for record-keeping purposes for my tenet. This invoice must indicate names and account numbers so that if the time came XXXX can identify it. 

Around XX/XX/XXXX I disputed the charge with Citibank Requesting that either I get my invoice for the {$700.00} I paid them or Refund my money. On XX/XX/XXXX Citibank informed me that the charge could not be refunded and to contact XXXX to get my invoice for the {$700.00} I repeatedly requested from them and did not get.

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 12/18/2015 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: Personal info stolen fro XXXX. 
Attempts to get credit cards from companies that I already have an account, caused hard hits on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a collection account with equifax like I did with transunion and experian, and unlike those XXXX credit bureaus who deleted the collection account, equifax did not properly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Credit card protection / Debt protection

Complaint: Let me start by saying clearly and plainly, we did not charge anything to this company and we have received nothing from this company. 
Now the story ; We had a Visa Signature credit card with Bank of America. When we received our XXXX statement we immediately call the bank about an unauthorized credit card purchase to someone called XXXX at XXXX. We called the company and received a text mail subscriber phone number ( which is a clear indication of a typical scammer telephone ). We left a message with this XXXX company and never heard back. We sent the company an email from the email address provided by the Bank of America and it was rejected as " ADDRESS NOT FOUND ''. 

Additionally we lodged a complaint with the credit card holder, Bank of America. On XXXX XXXX, we received a letter from Bank of America indicating our account was credited for the full {$220.00}. But on XXXX statement the charge reappeared. The bank claims they have a receipt that proves we charged it because it has our address on it. I 'm sorry but a simple XXXX search will show anyone our address. So that is n't proof at all. 

Additionally the receipt that Bank of America proved to us clearly shows the Shipping Address as " UnConfirmed ''. Obvious since we received no package from this XXXX company. 

We do not believe that we should be forced to pay for a credit charge that we did not authorize. And that the Bank of American or their associates does not have the right to come up with " bogus '' information to convince us to pay for their mistakes. 

We have all telephone calls with Bank of America recorded if you should need to listen to them. 

Also we should note that the credit card in question was replaced in XXXX for other fraudulent charges. 

It is our opinion that Bank of America is unwilling to assist us and intend to make us pay for their mistakes and inability to handle. I have attached a copy of the bogus receipt 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 monetary relief
Consumer complaint received 12-12-2017 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: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX has negative remarks on my credit report that are inaccurate and recently sent documents that are fraudulent. The statements have wrong addresses and documents that look altered. I would like XXXX XXXX XXXX XXXX to provide me with the Deed ( contractual ) Mortgage to prove I applied for a mortgage with this company not address or name verification but contractual agreements for a loan.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: wanted to get some negative reports removed from credit report. I have several loans with Navient and have found that things reported or not true. I have been talked into doing income based driven plans and forberernace. put once those things have been completed its as if I did n't make any payments or the payments has increased and hit negatively on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit card () with SYNCHRONY FINANCIAL (OK).
Issue: Payoff process

Complaint: I sent certified funds via certified mail to Synchrony Bank/Sam 's Club to pay off this account in XXXX, 2015. It was signed for on XXXX XXXX, 2015 and can be verified at usps.gov. I have the tracking number. I have copies of the returned certified mail receipt that was signed by their representative. They lost the check and have added another months interest as well as a late charge. I have contacted them four times and get a run-around and an attitude that I 'm a deadbeat or am simply ignored. They are n't even offering the courtesy of a phone call, email or any form of update as to what, if anything, they are trying to do to remedy my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/30/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: To whom it may concern, I 'm having a problem resolving loan payments to Great Lakes Educational Loan Services Inc. As of XXXX of this year, I had spoken with a representative grom Great Lakes in order to reduce my monthy payments. I am out of the country XXXX XXXX XXXX in XXXX and my income has been cut severely then what I make back home in Florida. I spoke with a representative I believe on XX/XX/XXXX or maybe the last week of XXXX right before I departed in order to make a financial agreement to at least pay something on my loans. To my knowledge and my bank statements from XXXX to XXXX, we had agreed on a {$20.00} payment covering both my loans until XXXX when I return. On XX/XX/XXXX the payments were correctly deducted and likewise on XX/XX/XXXX. As of XX/XX/XXXX, I noticed a {$250.00} deduction from my checking account from Great Lakes therefore, putting my bank account in an overdrawn state. I was then charged an additional {$35.00} a day until I could conveniently contact my friend in Florida to deposit a significant amount of money in my account. I have filed a complaint with the loan service as they have told me the only thing that I can do is fill out a income-driven repayment plan application. In doing so, the only result I get back from their website is for a forbearance plan in which case my account already states I am in until XX/XX/XXXX. This is where my confusion sets in. If I am already in forbearance yet still making {$20.00} payments it seems a little hypocritical to me. I have no problem making the {$20.00} a month payments which we had agreed upon before I left but, why the {$250.00} deduction? I have limited access to contacting the company unfortunately as my phone was shut off before arrival in XXXX, XXXX. The Great Lakes Ombudsman office has transferred my complaint to XXXX and I have not gotten an email back in 3 days. I am contacting your bureau in relief that I will be reimbursed my lost funds due to either negligence from Great Lakes or misinformation given to myself from them. I have pictures of bank statements online showing the {$20.00} deductions from XXXX and XXXX on top of the {$250.00} deduction from XX/XX/XXXX ( with the additional {$70.00} in overdraft fees ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Debt collection (Other debt) with LJ Ross Associates (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My one and only encounter with LJ Ross Associates : On XX/XX/XXXX my credit score suddenly dropped 150 points from XXXX to XXXX. Research showed this was due to a collection report filed by LJ Ross. Upon calling LJ Ross, it proved difficult to obtain information on the fraudulent report. After being transferred to a supervisor who only identified himself as " XXXX '' I discovered the alleged creditor was XXXX XXXX XXXX XXXX. 

I called XXXX to inquire about the problem and they told me there was a charge to my account over 4 years past the point I had sold the property and asked them to cancel the account. XXXX said they would correct the clerical error and show my account closed in XX/XX/XXXX, thus invalidating the XX/XX/XXXX charge. 

The issue here is LJ Ross ' tactics to contact me. In lieu of sending a letter or making a phone call, they elected to obtain my immediate and undivided attention by reporting the fraudulent collection to XXXX, XXXX and XXXX. Perhaps legal, but this action is highly unethical. Their utility company clients engage their services under the presumption of adding some value to the process. What 's the value of libeling a former customer who has paid XXXX over {$50000.00} in the course of 24 years?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (Reverse mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: The loan servicer, OCWEN, put homeowners insurance on my mortgage even though I already had a full and sufficient policy on my property. They also included fees for appraisal, inspection and attorney fees. I filed a complaint, XXXX. OCWEN only removed the cost of insurance. I have called to no avail!

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 04-01-2016 about Consumer Loan (Installment loan) with Ascend Consumer Finance, Inc. (GA).
Issue: Taking out the loan or lease

Complaint: Unfair Lending Practices. I was given an offer from Ascend Consumer Finance ( XXXX ) XXXX based in XXXX, CA for a personal loan. I passed all of their credit criteria with flying colors. I would not even have applied for the loan if I did not meet the minimum criteria. I provided all needed documentation. I signed the contract to receive the loan indicating my APPROVED status. Later I was notified that I would not get the loan. This appears to be a scam company existing to ruin my credit rating and steal my identity. i would advise ALL consumers seeking financial services to steer clear of this company at all costs.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit card () with JPMORGAN CHASE & CO. (KY).
Issue: Balance transfer

Complaint: I used checks sent to me in the mail from Chase to conduct a balance transfer from my XXXX XXXX card to my Chase card. Chase almost immediately billed me for the amount and XXXX XXXX says they never received anything from Chase. I have called numerous times and spoke to numerous people on both sides and was told last Friday by Chase that they would " expedite '' it. I still owe {$5700.00} to both cards. Chase will not verify that they sent it to the correct account. Of course Chase has charged me a fee too.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: So I recently became ill in XXXX of 2015 and I was not able to keep track of my finances and when I came back I was hit with a {$450.00} fee and a closure of the checking account.these were racking up and to my dismay I was not even able to waive these fees due to my health circumstances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief