milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Payoff process

Complaint: I took out a loan to pay off several Credit cards, XXXX of them being Citi and Citi XXXX. I have XXXX Citi cards and XXXX Citi XXXX card. I was going to payoff XXXX of the Citi Credit cards and the Citi XXXX and just have the Citi Credit card. The checks were mailed out on XXXX, XXXX. The XXXX Citi Credit Card was paid off XXXX XXXX, I kept waiting for the XXXX card to be paid off, and kept getting calls for late payments. when I checked the XXXX Credit card., it had a credit of over XXXX the check written to CITI XXXX was used to pay the card I intended to keep open. I have had numerous calls to Citi to get this resolved, I never get to speak with the same person, I spoke with Citi around the XXXX of XXXX..to let them know of the error that was made.and was told that they would investigate and let me know in 5-7 days. When I had n't heard anything, I called again on the XXXX I was put on a conference call with Citi, Citi XXXX and the bank to verify the check had cleared and written to CITI XXXX, which was verified, I was told by a Citi supervisor named XXXX, that he would take care of it within 5-7 days. This past Monday I had n't anything so I called again I asked to speak with XXXX, and got a supervisor form Maryland, who said she could see all the calls that have been made, and that XXXX did n't follow through, she was going to expedite and would call me on Friday the XXXX. she had said that she hoped that everything would be fixed, but with the holiday, may not be resolved, but she would call. Well no call .... My wife has been emailing also so we have a record. Today we received an email that we would receive a letter within 30 days detailing the results of the investigation. Meanwhile, Citi health is calling and emailing wanting a payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/18/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Account opening, closing, or management

Complaint: I attempted to use an ATM at the branch located on XXXX XXXX XXXX. in XXXX, AL. The ATM had an error message which stated that there were n't any transactions available. I returned to the branch and requested that the bank cash a check. They refused to do so an indicated that it was a transaction which they were refusing to all consumers and that they would n't allow anyone to take cash but only make deposits. I asked how long the policy would remain in effect and she indicated that it was as a result of computer issues.

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 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: URGENT- Ally Financial reported 30 day late pay to all credit bureaus and now we are being declined on our home purchase a week before closing. I have contacted Ally, the Credit Bureaus and sent credit disputes with documentation to get the FALSE reporting removed. This has caused us to lose our home and now car purchase and we are desperate to get help to resolve this quickly. Outlined below are the chain of events leading to the false reporting. 

Payments due on the 30th of the month XX/XX/18 - Payment made- ( XXXX  showing late pay for XXXX ) XXXX Vehicle was STOLEN XXXX Vehicle was declared total loss by insurance and notified Ally about the payment and Gap insurance At this time Ally sent to Total loss department and no longer was able to provide me information online or over the phone about payment status XXXX Contacted Ally to verify insurance payment was made they could not assist because it was already in total loss. I asked if a payment needed to be made so it does not negatively hit my credit because I am in the middle of home purchase. They no longer had payment due showing on their end, BUT I made a payment ANYWAY in the amount of XXXX to be certain this would not affect me. They reassured me the payment would be posted the same day and I would be getting the money mailed back for overpayment after the file was closed. 
XXXX Car Payment cleared from bank ( XXXX showing late pay for XXXX XXXX Receive a credit notification my credit was negatively hit with a late pay and droped score by over 100 points I have called in tears for weeks and nobody can assit with this, I lost my home and now unable to get a car due to this reporting. I HAVE NEVER BEEN LATE AND SPENT 2 YEARS BUILDING MY CREDIT FOR THE HOME PURCHASE AND NOW MY LIFE IS RUINED, Ally reported to XXXX  last payment was XX/XX/XXXX- 30 days late pay for XXXX Ally reported to XXXX last payment was XX/XX/XXXX- 30 day late pay for 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 05-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NC).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/15 I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$400.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at XX/XX/XXXX, Citi has decided not to honor the promotion. Citi has decided that I wo n't receive the points unless I find a postcard from 6 months ago. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$90.00} of fees and I will not be getting {$400.00} worth of Thank You points. This is NOT right. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with IOWA STUDENT LOAN LIQUIDITY CORPORATION (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I want to receive in the mail, all information pertaining to my loan from its inception in 2004 through today. Fees charged, interested charged, payments made, etc in chronological order. 
Please include a legend so I can understand your abbreviations.

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 10-06-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MA).
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: Company had enrolled me in payment plan. I had made or exceeded the minimum payment as shown on my monthly statement. Company reported a 30 day late mark despite this. Periodic calls to company resulted in being told account is fine/good standing/showing payments received. Upon identification of credit mark, escalated call to company and was advised was " speaking to wrong department as my account is in special program ''. Statements clearly show payments as follows : XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} Spoke to representative about amount showing past due on XX/XX/XXXX, XX/XX/XXXX statements prior to negative credit mark in XX/XX/XXXX. Was advised that this will continue to show since I am on a special payment program. 

Statements did not reflect past due amount in minimum payment due. Thus, statement incorrectly showed the true status of my account. Enclosed are statements for XX/XX/XXXX-XX/XX/XXXX,  which clearly depict the minimum payment, and the amount of payment made. 

Again, several calls made to XXXX XXXX during XX/XX/XXXX-XX/XX/XXXX about past due amount v. minimum payment due. Each time I was advised that this is due to my " payment program ''. 

Was wrongfully advised by customer service as well as statement documentation ( enclosed ). Payments were made according to the minimum payment due. 

Company refuses to acknowledge their misleading representation of my account status. This falls under Unfair and Deceptive as a UDAAP violation. The company did not act in a way as to their fiduciary responsibility to protect me as a consumer by incorrectly specifying the minimum payment due on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have filed a dispute with equifax to remove my joint chapter XXXX bankrupcy. filed on XXXX/XXXX/XXXX at NV, XXXX XXXX federal court # XXXX XXXX CT-LV, the address is XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX NV XXXX, tel # XXXX. Joint Bankeupcy under XXXX XXXX and XXXX XXXX, case # XXXX. This bankrupcy was dismissed/closed - ch XXXX. 
my original dispute with Equifax was on XXXX/XXXX/XXXX, they refused to remove it and instead of removing it, they are showing on my credit report that the bankrupcy court renewed the date which is my dispute date, which is XXXX/XXXX/XXXX. now I would like them to remove the bankrupcy from my credit report, it is over 7 years old. inclosed is documents and letter of dispute sent to Equifax , I disputed online and by mail. please remember that it is a joint bankrupcy and it has to be removed from my credit report as well as my wife 's. 
Thank you in advance. 
Have a happy and healthy new year. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from a collection agency regarding a medical debt. I sent a letter asking for information on the debt since I had no knowledge. I also asked nothing be reported to credit report until we could verify the debt. I have yet to received ANYTHING from them and it has since been reported to my credit report. I also sent a secured email to them through their website. They stated they could not tell me anything over the SECURE email even though I verified my information through it! They stated they could call me and I advised them they could send me a letter. I have also never received anything from that communication. I feel it is wrong to report something negative to my credit report without allowing me to verify and/or pay the debt once provided with the information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Mortgage (FHA mortgage) with CSTONE MORTGAGE, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: My XXXX and I were approved [ twice ] by Cornerstone Mortgage CO. 
XXXX [ XXXX ] for a Residential CONDO mortgage re-fi. My Cornerstone file # XXXX. The company is located at XXXX. 
Cornerstone, never complied during the approximate 5 month with RESPA. also, they have refused to provide a copy of my file [ s ]. Cornerstone [ broker ] / lender/ collected a appraisal fee and commanded I close a credit line of XXXX dollars with XXXX. [ active ] and in good standing [ 1 percent interest rate ]. I was told it could be re opened. ... XXXX refused. The lender enticed me to close a XXXX Credit card. I performed upon every request. The lender had no funds. ESCROW on or about XX/XX/2016 assigned a paid notary who spent 1hour at my residence obtaining ALL signiture [ s ] and documents. 
Thereafter the ''loan '' never closed or, funded. Cornerstone even forced me to significantly change my HOMEOWNERS insurance policy with XXXX and name their agency as the beneficiary Then the lender ordered another ''appraisal '' and caused in-ordinate delays to the loan. 
Respa was not complied with. The general interest rate decreased and the lender refused to decrease the APR. 
Again, the loan was ''approved '' and the Agent XXXX resigned from the Lender and I never heard from the lender again ... until i wrote an offer to settle and compromise. 
The lender never answered the offer to settle and my loss of additional interest and costs was about XXXX dollars. The escrow # is XXXX. 
Cornerstone mtg. kept the property Policy in their name until XX/XX/2016. 
.Finally, Cornerstone ran without authorization my credit 5 times. I agreed to only twice.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Other debt) with NCB MANAGEMENT SERVICES INC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been getting calls fromm NCB Management at my place of employment and I have already set up a payment plan with this company through their website and the first payment had already come out on XX/XX/XXXX of {$75.00} and the next one is scheduled to come out XX/XX/XXXXof {$75.00}. They call my job everyday and I am not getting called into my bosses office about this. I work with kids and I ca n't get away to take these phone calls and if I have a payment arrangement set up and the first payment was already made why do they have to continue to call me like that.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed MULTIPLE credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX ( XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 & XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 ) XXXX XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) XXXX ( XXXX/XXXX/2015 ) Please remove these inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Other fee

Complaint: Hello, I had a Macys credit card and I made a payment of {$290.00} on XXXX XXXX 2015. On the statement I have from macys it says there is no further balance. Recently I checked my credit report and it says I am XXXX days late with a XXXX dollar fee. The statements macys has sent are very misleading and dishonest. I paid a full balance and the statement says I have also paid the interest ... Only to be surprised I have accrued more interest from another quote billing cycle quote. My credit score is significantly lower because of these extremely dishonest business practices. I need your help please. This is a new trend a lot of people are talking about when it comes to consumer fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2015 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (AL).
Issue: Managing the loan or lease

Complaint: We purchased a new vehicle through a dealership and the dealership arranged financing through PNC Bank. The purchase occurred XXXX XXXX, 2015. The first payment is due XXXX XXXX, 2015. Today is XXXX XXXX, over 3 weeks from the date of purchase and PNC Bank has not sent us a payment booklet or loan account number in the mail. I called PNC Bank today, and they have n't even begun working on the loan yet ( it 's approved, but no paperwork has happened ). They can not give me a loan number over the phone, and without this information we ca n't make a payment. We had planned to make the first payment as soon as possible, but because they are dragging their feet interest is accumulating and we ca n't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Account Services Collections, Inc (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I hired a lawyer to represent me in a divorce case. I pre-paid a significant amount of & gt ; $ XXXX dollars. The lawyer did not perform and was significantly unprepared for my case, missing discovery items, etc.. Extremely poor performance. 

They lawyer / firm is now charging me for hours that I do not believe are accurate, and I do not believe that the lawyer/firm performed at all. 

They are putting an amount of {$5900.00} into collection ( they are the collector ) and it is on my credit report from the XXXX major agencies, and they are trying to harm me with. 

I have outstanding credit, except for this, and it is hurting my score by approximately XXXX points in the negative. 

I did not establish a credit line, or agree to the charges in good faith with this lawyer/law firm and sent them a letter of my dis-satisfaction even requesting a refund of monies paid. 

The fees they are claiming are excessive, and the amount XXXX pre-paid should have been more than sufficient. 

My lawyer 's performance was so bad, that opposing council was awarded fees from me, and those fees in total were only {$6000.00} dollars. The opposing councils efforts who totally destroyed my lawyer, and the opposing council was/is a top dollar and rated lawyer as a comparison. This opposing lawyer fees are less than what my unprepared and newbie less expensive lawyer and firm are trying to charge. Something is definitely not correct. 

This is a strong arm tactic trom the lawyer/law firm that damages an otherwise excellent credit history from me. I do not think that they are a creditor, and they always wanted their money upfront and had a credit card from me on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Deposits and withdrawals

Complaint: I was getting ready for work this evening and was caught off guard by a notification on my phone saying that my checking and savings through Bank of America was below {$25.00}. Naturally, I frantically went to the application on my phone and looked at my account. It had somehow went negative and the entire balance of my account was on hold to be withdrawn. My next reaction was to call the bank and inquire because I had no idea what was going on, I spoke to someone on the general customer help line and instead of being helpful he keeps asking me if I am 'aware ' that my account has been overdrawn and accused me of over drafting on my account, which I clearly had not because earlier in the day my account was fine. So, in addition to having my entire balance being withdrawn I 'm negative for these alleged overdraft fees as well. He tells me to call their bank fraud hotline, which I did and the guy on the phone was only slightly more helpful he told me that the charge was a " garnishment '' and gave me some random phone number to call. At this point I 'm beyond frustrated and puzzled so I call this number not sure of who I 'm going to get on the other line, it turns out to be some sort of debt collection law firm. Of course I both call them leaving a message and send an e-mail telling them to contact me immediately. I explained the situation and how I have no idea who they are, what this is for, and that by draining my entire account I 'm left temporarily destitute. Anyhow, I did more researching and this 'garnishment ' apparently was from a credit card I stopped paying when I was XXXX years old, so this was 8 years ago. My question is what on earth do I do? Is there anything that can be done through my bank? What is my next step? I 've been doing a lot of reading and if there was a judgment made on my debt, I was n't aware of it or properly notified. If I were able to afford to pay off the debt I would have. I just graduated and have a large amount of student loans, not to mention all of my other monthly expenses. What about the statute of limitations, in my state it is 7 years and my last payment on that credit card was 8 years ago. This company is supposedly located in Missouri, XXXX XXXX XXXX and their statute of limitations in that state is 10 years. The law firm representing them is located in my city and state. Does this make a difference? What are my rights and what can I do to get myself out of this terrible situation and get my money back?

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