milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2015, I, an XXXX year old resident of XXXX XXXX was a victim of a telephone scam in which I was cheated {$1300.00}, which money I forwarded by XXXX, XXXX, XXXX to the XXXX XXXX, reference # XXXXThe call was by a so-called- XXXX of XXXX which prompted me to send the money was that a great nephew of mine was involved in a traffic accident in XXXX XXXX Ga, and neededthe money for bail. Instructions were given precisely go to the XXXX .XXXX and send the money within XXXX hours. I was shocked an confused and wentimmediately to XXXX XXXX and gave the clerk the money. No questions wereasked by the clerk, or questions asked about the money going out of the country. I havesince contacted the XXXX Attorney Generals XXXX to report the scam, and am awaitingtheir reply.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold account with Citi Bank in conjunction with a promotion offer XXXX American airlines miles after {$1000.00} in debit card purchases and bill pays in consecutive months. I quickly met the requirements and called in to Citi bank several times to confirm that the promotion was noted on my account and that I had met the terms of the promotion. Every time I called in the customer service representative informed me that I had met the requirements and that I would be receiving the miles within 3 months of meeting the final requirement. They also informed me on XXXX XXXX through a secure message that the miles were in process are were due to arrive in my account within 30 days. Citi bank is now refusing to honor the terms of the promotion saying that I was not initially targeted for this promotional offer. This is a direct contradiction to the information I received from several customer service representatives stating that I was eligible for the promotion and that I had met all of the requirements for the promotion. I believe that Citi bank knows that they owe me the miles and have been intentionally slow and unresponsive in their dispute resolution process. I began several investigations with them 2 months ago and the issue is still not resolved. As a whole the company has been very unhelpful and I think they are hoping that I just give up so that they dont have to pay the miles.

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 07/22/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: while reviewing my Equifax credit report they listed on it an account for real estate at {$56000.00}. I have no loan for real estate. The house I purchased in the past was handled through Chapter XXXX bankruptcy. I would like to have this investigated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Cbna/sears Hard Inquiry from XXXX XXXX, 2016 XXXX, OH XXXX ( XXXX ) XXXX Info from XXXX & XXXX  via XXXX XXXX XXXX XXXX website. 

This hard inquiry was not authorized by me as I have never applied for any type of credit from sears.

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 03/20/2018 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Medical debt) with Mid-Michigan Collection Bureau (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This is aregarding the nasty, patronizing and unnecessarily personal voicemail left on my phone from an employee of yours -- XXXX XXXX. 

This voicemail advised in a condescending tone that it was " time for me to accept responsibity '' for the debt owed. And that she was going to file for garnishment. And this was AFTER I had informed XXXX XXXX that I was at work and unable to have a conversation about this business matter. Ignoring my plea, she called back four times, then left said voicemail. I would hope that this kind of behavior is not representative of this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing statement

Complaint: I recently opened a new XXXX XXXX credit card with Citibank.This was a promotion offered by Citi/XXXX XXXX in their online reservation payment area. I was able to charge a flight immediately on the card, as they gave me temporary information on the telephone when I signed up. 
Yesterday, XXXX XXXX, 2016, I received the card and immediately logged into their online system ( which I was unable to do with the temporary information they provided at signup ). The Citibank website informed me that my statement had closed on XXXX XXXX and the amount was due on XXXX XXXX. I had not received a statement in the mail ( it arrived today- XXXX XXXX ) and it is not yet available on the website. 
It is my understanding that a customer is entitled to 21 days to review their statement, but I was not provided this. ( 21 days from today is XXXX XXXX. ). I contacted Citi by chat and message, but they refuse to allow me the full 21 days and simply reply with their scripts. I believe that their failure to provide me with the full 21 day grace period should result in them moving the charges to the next statement and resulting due date.

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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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 writ ten TranasUnion SEVERAL times as king them to remove a fraudulent account from my credit report and to remove fraudulent inquiries. I provided them a police report, an FTC Identity Theft report, and a notarized Identity theft affidavit but, they refuse to remove the invalid information from my report. They placed a fraud alert on my credit report but maintains that I have no fraudulent accounts on my report. I do n't understand why they put the alert on my account if there was no fraud.

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 08-03-2016 about Credit card () with AMERICAN EXPRESS COMPANY (IA).
Issue: Advertising and marketing

Complaint: I opened a new Skymiles American Express card a few months ago pursuant to a promotional offer. The offer stated that I would be awarded XXXX bonus miles and a {$50.00} statement credit after my first Delta flight purchase. Nowhere in the offer did it state that I would not be eligible for the promotion if I had a Skymiles American Express card in the past. I held a Skymiles American Express card that I canceled about two years ago. 

After spending about {$2000.00} on my American Express card, I called American Express because I was not awarded the bonus miles. The representative first claimed that the statement, that previous card holders are not eligible for the promotion, was in the acceptance letter sent by American Express. When I told her it needs to be in the offer because after I applied and accepted to the offer, I had already put in the time to apply for the card, and taken a hit to my credit. The representative then claimed that this information was in in the offer itself. The representative would not offer any sort of compensation. 

I am certain this information was not in the offer. Delta and/or American Express send multiple offers per year, and none of these offers contained the limitation that, in order to be eligible for the promotion, you can not have previously had a Skymiles American Express card.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: HELOC monthly loan payment adjusted from {$130.00} to {$440.00} in XXXX 2016. We were experiencing excessive obligations/household expenses prior to the payment increase which caused delinquency, but the SLS payment increase made the situation even worse. I submitted an assistance package to SLS explaining the situation including supporting documentation. After it appeared the modification request was in process additional documentation was requested and provided ( same day ). Over a two week period I attempted to reach my single point of contact on at least XXXX occasions with the only option being to request a callback. Once I spoke with the contact ( XXXX-5 times ) it was unclear what was still required. It only stated " Hardship Verification '' and my single point of contact had no idea what was needed. She was never able to advise or follow up to let me know what the underwriters were looking for. I called today ( XXXX ) and was able to access another SLS employee ( first time I was ever able to reach a human when calling ). Was on hold for XXXX30 minutes while she tried to confirm. Finally she advised the increased HELOC payment was not sufficient to justify a modification or other form of assistance. I offered to send in billing statements of all my other obligations to show/prove the excessive obligations but the SLS employee advised " that wo n't work because your already said the increased SLS payment was the hardship & per your loan agreement the payment adjustment itself is not a hardship. '' It is becoming painfully obvious SLS is a predatory lender who has no intention of providing assistance, including loan modification, for a distressed consumer. I am going to submit billing statements of my current obligations as a last ditch attempt to beg for a modification. We are currently XXXX60 days past due and approaching foreclosure status ( at 60 days they have typically sent a foreclosure threat letter ). We feel that if the payments were closer to the original amount, or even slightly higher, we could regain our financial footing. Please 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 08/21/2015 about Student loan (Non-federal student loan) with BRAZOS HIGHER EDUCATION AUTHORITY, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I build up a staggering debt both on private and federal loans pursing a XXXX at an XXXX University school XXXX. Unfortunately many things happened in my life and I could not pursue XXXX resulting in the default of the loans with XXXX and XXXXl loan companies. I can not afford to pay on any of the loans with my part time XXXX as an XXXX. The loans are in default and they are suing me in both civil and supreme court in XXXX New York.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 05/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I 've been having trouble with false information and negative interactions with Navient phone operators. I set up a payment to be made  in  XX/XX/XXXX and for some reason it was never taken out. I did my part and yet it was still never taken out. Then my cosigner started getting threatening calls even though I was told that she would not be contacted anymore since I had started a payment plan back in  XX/XX/XXXX . She  paid some towards the loan and yet the phone calls did not stop. Yesterday I received a call while at work so I was n't able to answer it and it went to voicemail. On the voicemail that I have saved on my phone, the operator did n't realize she was leaving a message and can be heard mocking my lack of payment with a co worker. Also yesterday I spoke with a woman who gave me good, but confusing, information and said that I would need to call back to make a payment since I could n't make one within the next two weeks but that the phone calls would stop for a week. This morning I received a call from a very rude man who would n't acknowledge the fact that I had spoken with someone yesterday about this very topic and that she said the calls would stop.     Needless to say, this is a very stressful situation and I 'm becoming very annoyed with the treatment I 've received.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I started a re-fi on my current main mortgage. During the process my wife accidentally paid our mortgage payment to a credit card from the same bank. ( Bank of America ) Once we found the error I promptly called my re-fi agent and asked him what I should do to make sure the re-fi went through as scheduled. He had me call mortgage customer care. I spoke to a gentleman there, agreed on a payment date and made the payment on that date which he promised would keep me current and work for the re-fi. They still cancelled the re-fi and told me they could not see the notes the care agent entered. I told them this was not fair and that it is not my fault they have a technology problem. We even went to a branch to pay in full and they told us we did not have to as it did n't show in the system we were overdue/late I called mortgage customer care and demanded escalation. The escalation agent agreed that this should not have happened and she would help take care of it and call me on my cell in 48 hours with a resolution plan. Never got the call back. I called in and no one could help me. By this time I was already receiving foreclosure notices ( Have faithfully paid this mortgage for over 13 years ) and then suddenly the bank sells my loan after servicing it for 13+ years. Now I am in a bad financial position and it is the banks fault as I followed everything they told/asked me to do. And I am out the money I had to pay out of pocket for certain fees. This re-fi should have been a simple and quick HARP deal and because of an honest ( And documented ) mistake I was thrown into possible foreclosure. I will be calling the state provided lawyers in the foreclosure documentation and would also like to know what you recommend.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (VA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I received a delinquent tax notice on XX/XX/XXXX. My taxes were due by XX/XX/XXXX. Franklin American Mortgage Company was to pay the taxes, which are in my escrow account. I called them on XX/XX/XXXX and spoke to a supervisor named XXXX. She told me that {$6.00} was taken from my escrow account when in fact the taxes due were {$330.00}. She said she did n't understand why the amount was n't questioned. The tax office has not received any payment on my taxes to date and the mortgage co. has not contacted them at all. I was told that by Thurs morning ( XX/XX/XXXX ) I would have an answer as to when my taxes will be paid and why they were n't paid. I called them this morning ( XX/XX/XXXX ) and was transferred to XXXX extension after holding quite awhile just to get her voicemail. That was around XXXX to XXXX. I still have not received a call from her. I had told her I did not want my name in the paper for delinquent taxes or having it sold on the courthouse square for delinquent taxes. I also had to contact them last year about paying my taxes. I need them to pay my taxes ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Closing/Cancelling account

Complaint: I had an XXXX card. I have been a member since 1996. They closed my account and sent it to collections. I have been trying to work with the collection agency but they are no help. I had contacted XXXX XXXX to get statement copies so I could pay my bill. They said they would sent it but it never came in. Then a month later I requested them again and they told me they would send out. And also they stated they would put a freeze on my account so I do n't get reported to credit agency. By the time I got the bills they had closed my account and sent to credit agency. They have lied to me and I should not be punished for this. I am willing to pay the full bill but I want my XXXX card reinstated and the false credit reporting deleted. Tell them to go back and go over the recorded calls and they will see what their agent said. They are not returning my calls form the executive dept either. seems like discrimation to find a way to cancel my card.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: I opened a secured cc account with bank of america in 2013 for {$300.00}, a while after I closed out my account. Later the bank said I owed them XXXX when I only had a limit of the {$300.00} I put in ( my line of credit ). Later they reduced it back to XXXX. I opened the account with the explanation that the {$300.00} I put in was my limit. When I reached the limit I could not use the car until I put another XXXX in. The bank is now saying I owe them XXXX and keep reporting it on my report with no data displayed and when I call the bank or write them and ask them for proof, since I could only use what I put in, I am told they do not have to provide that to me ( per XXXX ). They are also reporting the dates wrong on the 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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have tried calling Equifax regarding this issue. But there seems to be a serious bug. My updated electronic report has not been available from equifax online for nearly two months. My bank has attempted to view my report for mortgage and I also have tried through the online service that I pay for. I continue to get error messages stating that my report is either unavailable or two new to generate a score. I know i have had credit for over 20 years. something is terribly wrong. I even received a call from experience stating that they tried pulling all three of my reports in order to update my subscription for credit monitoring, but that my equifax report was producing an error. I have no problem receiving a manual hard copy of my report, but i am unable to receive an electronic report via my lender, credit monitoring agencies, or directly. 

I need equifax to look into this matter again for the third time and reset my report. Thats the best way I can describe it is i need them to reset my report. my credit card companies are not able to give me a refresh of my monthly equifax score due to this unexplained error. 

I logged into the equifax trueidenty data help and still unsuccessful with obtaining an updated report and or score. There is an unexplained Error that restricts this info. It 's not a fraud alert or credit freeze. It is a credit release or view error. I called equifax and was told that I should have lenders call them and use the business side of request. This is an unexplained process and I should not be limited from services that I pay for or request when it comes to my report and score.

Company response to consumer: Closed with explanation