milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and XXXX ( XXXX ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 
After completing the requirements, on XXXX XXXX, 2016 I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles by the end of XXXX 2016. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by the end of XXXX 2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank. I am also attaching XXXX additional online chats I had with Citi inquiring into my missing bonus and Citibank 's response stating I would not be receiving my missing bonus.

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 07/14/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Credit line increase/decrease

Complaint: Hello, I am so upset about this, and I do n't know how to fix it. A company called Synchrony Bank took over many of my credit card accounts, and has gone though and XXXX by XXXX lowered my credit limits to the exact dollar amount I owe on each acct, making it appear as though I 've maxed my account and completely ruining my credit score. This is VERY unfair. They should have to make a note on the credit file that they lowered the limit, so that creditors do n't see me as maxing out accounts. There should also be a way that this does not affect your credit score the same way. How can this be allowed? VERY very unfair. I understand they have the right to lower the limits, but to have it look as though I maxed out these accounts has a huge effect on my credit score. Is there anything I can do about this? I really need some help here. TY - XXXX 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 07/28/2017 about Debt collection (Medical debt) with Remex, Inc. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I 've been trying to deal with this doctor XXXX XXXX for years now with no avail. I only saw the guy two time in which he prescribed me medication, that i was n't suppose to be taking. Then I come to find out at this doctor was a fraud for organizing and scheme patients and insurances for years. He was take XXXX of dollars in brides. When I call the office to fight the claim the nurse would give me nasty attitude one even cussed at me and threat me if I did n't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Ditech Financial last year when I refinanced. I have had issues with them responding to any questions I send. I have asked if they were going to assess my account as the previous company had done to ensure that the payments going into escrow will cover taxes/insurance. I got a letter stating they were looking into it. Then I got a letter stating that they were not supposed to assess my account until next year but they were going ahead and assessing it. That has been a few months ago. After I got that letter, I sent another message and explained that I was n't asking them to go ahead and assess it, I was just asking if they ever assess the accounts. I did n't want to owe a lump sum because they had not assessed it. I got another letter in the mail stating they were looking into it. I got my statement for the XX/XX/XXXX payment and the payment amount has gone up by a few dollars but there is no explanation and nothing to show they have assessed my account. I have had a lot of problems getting any response from them and if I do, it 's months later. I do n't know what agency is best to report them to or to try to get help from. I want timely answers to my questions. I have had a few previous mortgage companies and they always responded within 48 hours most of the time less than 24 hours and this company always mails letters stating they are looking into it so it 's always a few months before I ever get a response. I have sent another message and asked why the payment went up and expressed how I hate getting letters in the mail stating they are looking into it. I also explained that I hate that it takes a few months to get a real answer. I am so unhappy with this company that I put a note on every message and payment to please sell my account to someone else who has better customer service. I do n't understand not being able to get quick answers on my account. If this is not the place I need to report them to, please tell me what agency I need to contact for help. I am looking at refinancing just to get away from this company. 

Thanks for any help, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: As of XXXX XXXX, I became aware that I am a victim of identity theft. I have since filed multiple claims against Transunion, one of which was my disputing a large number of items on my credit report. I have spoken to a XXXX XXXX on now two occasions within the past week. First off, it is almost impossible to even get through to the department that handles my file. What this means is that I always have to go through at least XXXX departments each time, get hung up on or disconnected 3 times and then every so often find my way back to the " Complaint Management '' department FKA " Priority '' department. At this juncture, you leave a voicemail ( assuming it 's not full ) as of about an hour ago. The times I have spoken with XXXX XXXX she has conveyed to me that she unable to give me any updates as to the status of my disputes. However, what she has stated is that she can speak with me over the phone concerning my " contact '' information, hence why I am sending this claim today. In my initial CFPB claim ( XXXX ), I thought I was perfectly clear in how my name, address ( s ), phone number should appear on my credit file. As of this morning, this has yet to be done accurately. I have also supported the necessary documentation to validate such " accurate '' information. Also, I currently have an extended fraud alert with a consumer statement that clearly still shows an inaccurate phone number to which I have never had. I need the following to be updated " accurately '' and " immediately '', Please : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone Number : ( XXXX ) XXXX XXXX ) Extended fraud alert either removed entirely or to include the " accurate '' phone number listed above, ( XXXX ) XXXX. 
3 ) Credit Freeze removed I would also like to request that the results be emailed to me versus taking an additional 7-10 days for a hard copy. If that is possible, my email address is XXXXXXXXXXXX. 

This has been an arduous process to say the least. I would greatly appreciate help concerning these " issues ''. 

Thanks, XXXX XXXX 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 non-monetary relief
Consumer complaint received 11-10-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo is refusing to honor their letter stating that the XXXX % threshold to drop PMI was met. I used their appraisal company to appraise my home which cam is at XXXX % PMI. After they charged {$400.00} for the appraisal they sent a " new '' letter saying the entire increase in the value of the home must be due to structural improvements. When we proved this was the case they stated the value must be the cost of stuctural improvements not the increase in value due to the improvements. This was never made clear as they gave me the initial requirements. I called and spoke to several reps before beong escalated to the top team members who not only refused to drop PMI but would n't even refund the appraisal portion of my inquiry. This was downright misleading from the beginning and an increase in revenue for them as I followed their letter to the the T and nothing was changed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting incorrect information on my credit report. I tried disputing this information online but the system would not allow me to do so. 1st issue is capital accounts acct # XXXX they did not allow me the mandatory 30 days to dispute this item. Along with not giving me the proper time frame which is breaking the FDCPA. They also are reporting the wrong balance. My 2nd complaint is experian re-inserted my mandee 's charge account/commenity bank into the potentially negative part of my credit report. I submitted a letter from commenity bank/mandee 's that this account was never paid late. Experian moved it to the correct part of my report last month ( accounts that are satisfactory ). Then this month they re-inserted it into accounts that are potentially negative. I have disputed this and finally had it corrected and now they put it back into negative again. My main complaint is teacher 's federal credit union is listing as discharged through chapter XXXX bankruptcy. I NEVER did bankruptcy so this information is completely untrue and incorrect. This is listed twice on my credit report. I have contacted experian numerous times in disputing this information and it just keeps updating. Having this incorrect information reporting on my experian credit report is affecting my credit score in a negative way and making it very difficult for me in obtaining substantial credit.

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 05-03-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Submitted all proper identification along with police report from town that identity theft was based out of and experience still wo n't remove. This is my second time disputing with them. 1st they tell me I need to send in a Police report. Now finally I get the police report. They want it notarized. My credit has suffered long enough. This will also be the 2nd time you guys get involved as well with my fight with experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I bank with bank of America and this month they really missed my account up and I might get kicked out of my home for what they did with my rent check!! My landlord deposited my rent check in her account on XXXX XXXX, 2017 and it hit my back that evening. Well I get my check on the XXXX ( XXXX ) of the month in the amount of {$2500.00}. Bank of America bounced my rent check on the XX/XX/XXXX and when my deposit it the bank that morning I was over drawn for that rent check of {$1900.00} and some other things. Bank of America took over XXXX dollars out of my checking account to cover all the over drafts. So I ASSUMED after that they the bank PAID my rent check?? WHY ELSE WOULD THE Bank of America take the funds from my account? So now on the XX/XX/XXXX I check my checking account and to my surprise BANK OF AMERICA DEPOSITED THE XXXX FUNDS BACK INTO MY ACCOUNT???? My rent check bounced and I had to call my landlord. I went and got a XXXX dollar money order and sent it to my landlord. I called the bank and they have no answer for me.. Now that check and every other bill I have going thru this account will be over drawn. I 'm so sick of the way Bank of America has done what ever they please with you funds. They move yours funds around to make sure you over draw and those fees add up fast. I live on a fixed income. That 's how the banks get you. The banks know you have no funds to cover any of their fees until the next check.. Very disrespectful. XXXX XXXX email : XXXXXXXXXXXX address XXXX XXXX XXXX, XXXX, De. XXXX Phone : 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 monetary relief
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.

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 03-07-2018 about Debt collection (Credit card debt) with Client Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a letter to Client Sevices Inc requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. This delinquent information is still reporting on my credit file and I am asking for it to be deleted from each 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 04/30/2015 about Credit card () with SYNCHRONY FINANCIAL (NH).
Issue: Late fee

Complaint: This has to do with a TJ Maxx credit card account. I had made a purchase on the card, then paid my monthly bill, mailing it. The next time I got a bill ( today ) it did not reflect that had sent them a payment. So I immediately called customer service. I had to try XXXX times to get through on the phone, the system kept dropping me into a voicemail box. I then talked to XXXX different people- someone in customer service, then transferred to payments, then back to customer service, then to collections, then to customer service. Except for the last person, all of the representatives were telling me I could get XXXX ( XXXX ) late charges deducted from my bill, and this was the reason they were supposedly transferring me, but they seemed to have some kind of difficulties with their system, or their screen, or some other excuse- during XXXX interaction I heard laughing in the background when talking to the male customer service rep, after I stated I could not understand what he was saying due to his accent. 
I had already agreed to pay the bill, provided the late charges were deducted ( I had a {$120.00} balance and they had added {$75.00} in fees on top of that, so it amounted to XXXX of the total ). I was willing to pay the interest, but not the fees. I was told this would be done, and I asked to close my account. The minute they accepted my payment ( and no transaction number was given ), I was then told by the 'collections ' representative that they would only deduct XXXX fee, and that I still had {$35.00} showing on my account, which was a bait and switch. Most of the people I was talking to struggled to speak XXXX ... I then wanted to pay the bill in full because I felt these people were very dishonest- and they refused to take my payment for the remainder of the balance! The last representative was quite rude, told me my account was 'delinquent and already cancelled due to nonpayment ' which is not stated on my bill, and not stated by anyone else on the call to me. Also this company is charging a XXXX interest rate! How is that not usury? The company managing the TJMAXX credit account is XXXX Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2015 about Debt collection (I do not know) with Account Control Technology, Inc. (NY).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: On XXXX/XXXX/15, several XXXX employees from Account Control Technology contacted elderly relatives from my extended family at ( XXXX ) XXXX. They claimed to work for the US government, which was a lie. They worked for a company called Account Control Technology. In addition to making false threats, this fraudulent company sent me a virus and impersonated US government officials over the telephone in violation of the Fair Debt Collection Practices Act and the Fair Billing Credit Act. I am the victim of identity theft and grand larceny. This fraudulent company stole my identity electronically.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2016 about Debt collection (Payday loan) with Enova International, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Had a collection notice from midwest recovery services appear on my credit report for a payday loan front cashnetusa for {$770.00}. After checking with them I was told there was a loan deposited into an old bank account in XX/XX/XXXX however I contacted the bank and that account was closed in XX/XX/XXXX and I filed bankruptcy in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Student loan (Federal student loan servicing) with Manhattan Beach Venture, LLC (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was contacted XXXX/2016 stating that I had to act fast because president obama term was ending. They stated that they could help me repay my loans possibly not paying anything under the Obamas act. I was told that I made so little that I had no payments and that I would be charged $ XXXX mo for their service. They said they would sign me up and take care of all paperwork. I asked if I could cancel at anytime and they said yes. I asked what my apr would be at and they said 2 %. I asked if it would effect my payments when I got married and they said no. They told me that I do not claim my husbands income on the forms. I have been paying $ XXXX/mo for 1.5 years now. I have called and complained about how I have been told wrong info. You can never get a hold of anyone. No one wants to take credit for the information I was given, and come to find out the employee has been fired that soldy me this scam. I asked to be let go and cancel, they told me I still own them {$1100.00}. This company is a scam and ripping off young adults left and right. Someone needs to stop them! 
Company : Manhattan Beach Venture Employee : XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF THE WEST (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This loan was paid in full in 2013. Acct. # was XXXX. It was never reported as paid in full or closed. Tried to call the bank but line is always busy.

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 01/28/2018 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX is collecting 4 debts for XXXX XXXX Emergency Room, listen before you guys are making up your bills, you need to make sure that it's real. Or I'll take legal action for destroying my reputation. I went to see a doctor at XXXX XXXX not in the emergency room, I had an appointment. I had my insurance, and was covered. And I went there only once in my life. I never seen those 4 collections, if we'll have to take care of that in court. Because you guys are all over my report for false debts. Now if you don't go ahead removing these false reports from my credit reports. I'll file against XXXX XXXX XXXX in court. That's a totally destruction you guys are doing to me, it hurts my credits reporting debts that even you guys have no ideas where the hospital got them { { { { { Opened : XX/XX/XXXX ( 3 yrs, 7 mos ) Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA } } } } ; { { { { Opened : XX/XX/XXXX ( 2 yrs, 6 mos ) Account status : Open Amount : {$310.00} Original Creditor Name : XXXX XXXX XXXX XXXX PA } } } } ; { { { { Opened : XX/XX/XXXX ( 4 yrs, 3 mos ) Amount : {$300.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA } } } } } Opened : XX/XX/XXXX ( 4 yrs ) Account status : Open Amount : {$38.00} Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation