milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: In XXXX XXXX, I received a flyer in the mail from Citibank that offered me a promotion to open a Citibank CitiGold checking account. The bonus offered XXXX AAdvantage miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account alongside with spending {$1000.00} on the debit card. 

After enrolling and successfully opening up the account with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I Confirmed with Citi that I fulfilled all terms of the offer and that I should be receiving the bonus no later than my XXXX XXXX statement cycle. 

After reviewing my XXXX XXXX statement cycle, I did not receive my bonus points as promised. I contacted Citi on XXXX XXXX, XXXX and they said that an internal investigation was opened on my behalf. 

On XXXX XXXX, XXXX, Citi 's investigation team informed me that my bonus was denied for the following reason : " This promotion was not offered in conjunction with the opening of your account '' I called Citi on XXXX XXXX to appeal the denial, citing written confirmation from Citi that states : - The promotional offer is attached to my account and ; - I qualified for the promotion and ; - I met all requirements to receive my bonus. 

In the call on XXXX XXXX, they state that they will re-open the investigation and that I should receive the results in 2-3 business days. 

Its XXXX XXXX now and the case is still pending. 

It really looks like Citi is trying to pull a bait and switch on me. It 's been two months since the promised bonus and I have not received anything.

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 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: I have several medical bills from XXXX XXXX hospital which are in collection with XXXX XXXX XXXX. I have no medical issues, ive never been to this hospital and tjis bills are on my credit. I have dispuyed them several times along with a utility bill and several inquires on my credit that are UNAUTHORIZED by me. The credit bueraus always return the dispute VERFIED but i dont know who or where they are verifying this belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit determination

Complaint: I recently applied for a Macy 's credit card on Macy 's website. The website said that it required further processing and that I would receive a letter in 7 to 10 days. I received the letter ( which I 've included ) saying they were unable to open an account because they could not confirm my identity, and to call them. I called them and they ask me a couple of questions and said to hold they would finish processing my application. They DID NOT tell me they were running my credit for a second time! When they got back on the line they said I was declined because of my credit score. The letter said they could n't verify my identity and nothing about my credit score which they already new. They had ALREADY pulled my credit on XX/XX/XXXX when they sent me the letter. When they put me on hold and ran it again on XX/XX/XXXX without telling me they were doing that, it dropped my credit score XXXX points! That was the second time they ran it in 10 days. I would never have allowed them to run my credit a second time knowing they had just ran it on XX/XX/XXXX. I monitor my credit closely and was immediately alerted when my score dropped XXXX points. This has now dropped my credit rating to fair instead of good.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The info rmation listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have ma de. It is the result of identity theft.

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: I had an account with XXXX XXXX I paid the account off and at no point was it charged off. I believe there was some type internal error that they coded the account to be a pay balance each month instead of monthly. Whatever the case it never was charged off. This is have a huge impact and I really need your help.

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 03/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Per Case number XXXX XXXX XXXX states that they mailed a letter closing my account and stated that I was no longer obligated for the account on XXXX XXXX, 2016. Although I never received the letter they claim that they sent the letter to all XXXX credit bureaus. Not only is the information still on my credit report as open and in collections the credit bureaus refuse to remove the information from my credit report and claim that midland is still reporting the derogatory information. Per Case number : XXXX XXXX claims that they are reporting the information that it receives. This does not appear to be the case as these items are still appearing on my credit report. Please see the cases that were previously filed and have midland removed from my credit report as they claim they already requested the credit bureaus to do.

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 11-03-2015 about Debt collection (I do not know) with RSI Enterprises, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: unsolicited recorded call for dept collection. my number is on the do not call list, and have no outstanding consumer dept. 
Company name is RSI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On Monday,  XXXX   XXXX ,  2017 , at approximately  XXXX    XXXX   Central time I attempted to log into my Bank of America account online only to be told to contact customer service. I am assuming that my account was closed due to the other CFPB claim I have pending with them. That claim number is  XXXX . No one called and asked me any questions nor did they even advise me that they were about to close my account. I demand that I be able to go into a branch tomorrow,  XXXX   XXXX ,  2017 , and withdraw my money from the account. I am currently in the process of moving and this is holding me up as I do not have an active debit card.

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 04-02-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have an interest only loan with Bank of America that is going to re-ammoritize to a XXXX year loan. My house was hit by Hurricane XXXX and has lost a significant amount of value in addition to the housing market taking a fall. My loan is not HARP eligible which would have allowed me to refinance without an appraisal thus getting out of the high risk loan I am in now. When calling Bank of America they told me they do not have an in house HARP loan that would allow me to refinance or adjust my loan for a fee. My only options from what they said is to modify the loan. In order to do so I will go on a " trial '' payment for XXXX months. For those XXXX months they report my mortgage as late. I have worked my entire life to maintain impeccable credit. This will be devastating to my credit score. My only options beyond that are to try to sell it as a short sale or foreclose. I prefer to work within the system, I understand it is not their fault my home lost value. I just want to be able to refinance for a lower rate to make the payment more affordable. They are not willing to help. I am hoping for some advice. I have an NMLS number and have taken continuing ed. In one of the statements from the CFPB it encourages banks to refinance high risk loans with limited documentation. How do I get them to do that without affecting my credit negatively? Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XX/XX/XXXX, a credit card with number ending XXXX was opened fraudulently in my name. This was discovered approximately XX/XX/XXXX, based on a collections letter received from a third party collection agency, XXXX. XXXX was contacted via telephone ; the credit card from a pre-approved letter that was sent back to them from an old address. A police report was filed promptly, XXXX said they would close the account. The delinquent reporting was removed from my credit report. Approximately XX/XX/XXXX, a third party collection agency, XXXX, contacted me stating they had purchased my debt. I sent a letter disputing the debt and asking for additional information about the source of the debt. I also sent in copies of the previous police report, a new police report filed on XX/XX/XXXX, copies of correspondence with XXXX and the original debt collector, and detailed information about my residency. Hearing nothing, I sent two additional copies over the span of three weeks, with the third version requesting return receipt and priority delivery. A third party sent a response stating they purchased the debt and included a single line from an XXXX spreadsheet as proof of the debt. I disputed their proof and filed an FDCPA complaint. The third party removed the credit reporting, but refused to cancel the debt. I sent a response along with the FDCPA complaint, attempted to file a claim as a member of a class action lawsuit, and filed an additional lawsuit which was dropped after a settlement with the third party. About one month ago, I received a communication from Midland Credit Management that falsely, deceptively and/or misleadingly represented themselves in the collection of a cancelled credit card balance derived from fraud and identity theft. Additionally, Midland Credit Management used unfair and unconscionable means to attempt to collect a debt derived from fraud or identity theft. Specifically, the communication offered a settlement on the fraudulent debt, offering a savings on the debt, without stating that there would be tax implications for the " savings '' nor mentioning that making any payment whatsoever on the fraudulent debt would allow additional negative reporting for up to an additional seven years. Having not been disputing this debt for the last 9 years, a lesser sophisticated consumer would not be aware of the negative ramifications of working with Midland Credit Management on this old, discharged, fraudulent debt. I feel this communication, much like the previous communication with the other third party collection agency, violates 15 U.S.C. 1692e of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Problems caused by my funds being low

Complaint: Tcf bank is constantly charging over daft fee that I fill are in appropriate charge to gouge its customers. I never opt-in for them to pay any over-draft fee. I was told even if they did n't pay the vendor requesting payment I would be charged a return fee. They need to be investigated for deceptive practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2017 about Mortgage (VA mortgage) with CITIBANK, N.A. (WA).
Issue: Struggling to pay mortgage

Complaint: I was foreclosed on in    2008  by  CitiMortgage. As I foreclosed on I was under the impression that I can wait seven years for it t o drop from my credit but CitiMortgage reopened the case and withdrew their foreclosure on the home. I am now still showing as owner of the home but with a nonpayment of near ly ten years. I have tried a deed in leui but the bank sees my financials and just talks about keeping the home on top of me. The taxes alone will crush me so a deed in leui is not possible. The house is not habitable because it has sat for ten years vacant and with no upkeep. I have had three  lawyers and talked to every agency known to man but they all give me the same response. I cant help you but you can call ... .. agency for help. I am trying to move on with my life but I am unable to and there is no other option but to file complaints with every agency known to man. How can a mortgage company foreclose on you and then reopen and continue to ruin your life like this is ridiculous. I am in the military so I cant exercise my right to file for bankruptcy because I will lose my job.

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 12/21/2017 about Student loan (Private student loan) with Stillman Law Office (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Student loan charged off after 45 days of no payment. Now XXXX XXXX XXXX XXXX XXXX call to collect outside of collection hours. They always call twice, back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Loan modification,collection,foreclosure

Complaint: Bank Of America bought my mortgage, and added enormous fees, interest to my account. They also did not allow me to reinstate my loan so that I would be able lower the payment so that i could stay in my home

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been in the process of cleaning up my credit- or trying to. I have several issues. 
I had sent several goodwill letters recently. Trying to simply get negative accounts removed from several years ago when I declared bankruptcy. However, every single creditor I sent these too has then entered them as disputes. I am not disputing anything! I even plainly state that in my letters. 
Creditors that have done this so far- XXXX XXXX/XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX My understanding was that unless we specifically file a dispute then- it isnt a dispute. 

Second issue- new collection- I verbally told them I dispute it. I want an accounting. I never received any sort of mail correspondence at all. They updated an old collection on my credit report with this new information. Then as if that wasnt bad enough- I sent via certified letter- a debt validation which has been completely ignored. 
What next? 

I feel like we have all these laws that are supposed to protect consumers but they arent taken seriously. After all, why should they be? If you dispute something they just electronically verify the exact same erroneous information. Once you have errors on your credit report it is a nightmare. You never seem to get them resolved or removed and it seriously can ruin your life. You cant get credit or not affordable credit. And you never get out of that pattern because on down the road future creditors see that you had to go through sub prime lenders and they dont like that either. Meanwhile the only people that get hurt are the people this is supposed to protect.

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 01/17/2018 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: Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 12/21/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, Nation Star/Mr cooper received a payment from me for {$10000.00}. My balance was {$10000.00}, which should have left a balance of {$83.00}. On XXXX XXXX, I saw the check clear my account, so went on line to see if I could get a payoff amount. I noticed the {$10000.00} was " unapplied payment '' and my balance was still {$10000.00}. On the home page it stated congrats your loan is paid in full. I call and the girl on the phone told me that my account was paid off and I had no balance. I told her I should have a {$83.00} balance. She told me, I was wrong and there was {$100.00} escrow credit which was applied to my account. I told her the payment history did not show that and my most recent statement showed a balance of {$11000.00} with next payment as of XXXX/XXXX/XXXX, which was incorrect because it did not show my normal XXXX payment. She told me it would take a day or 2 to apply the payment, but my account was paid in full. I checked back on the XXXX of XXXX and their was not change to the history of the account, so I called again. I got the same run around and I was told it is in the satisfaction department and I was paid in full. On XXXX XXXX, I sent and email to them asking for my account to be updated because it was still showing {$10000.00} balance. They sent a generic email back stating someone would get back to me. On XXXX XXXX, I sent another email stating if it was not fixed I would be going to the CFPB, I received another generic email stating I would be receiving a letter within 10 day ( no letter ). SInce I did not receive a XXXX Statement in the mail, I went on line to check my account. There was no statement generated and the balance was still {$10000.00}. On XXXX XXXX, I sent another email, because the account is still showing a balance of {$10000.00}, I received a generic email back. On XXXX XXXX, I received a letter at my home, that they are researching my complaint and they have 30 days from when I notified them to resolve the complaint, however most of the time it is resolved in less than 30 days. It was already over 30 days from when they received my payment. On XXXX XXXX, I check my account and it is still showing a balance of {$10000.00}. 

I need a statement showing my payment was applied and the balance is {$83.00} and if there is an escrow credit of {$100.00}, it needs to show that, if not I need a true pay off figure. If my account is satisfied then I want my mortgage satisfied in the court house and proof the account is satisfied. I do n't want anything to show on my credit report years ago that I had a collection or missed payment for XXXX How hard is it to post a correct payment. How can it continue to show as payment applied, when my check was cashed?

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Medical debt) with Credit Bureau Collection Services, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX of XXXX my son had a case of XXXX XXXX. My ex wife and I have shared custody and he was with her at the time. When we talked I suggested making an appointment with his family doctor. Instead she took him to the ER and incurred this debt. Earlier this year the collection agency started making continuous phone calls to me. I have requested documentation that this is my responsibility but so far have received none. Also comments have been made by their agents to the effect of " so you would not pay for your son to get medical attention? '' Frankly, no, when it is not necessary, done without my consent, and could have been handled by his PCP and covered by insurance.

Company response to consumer: Closed with non-monetary relief