milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Approximately 16 months ago, I reported my Citibank Simplicity VISA Card as lost or stolen. When Citibank issued me a new card, they advised me to give any authorized merchants my new card number. At about the same time, I cancelled ongoing business with one merchant, XXXX XXXX newspapers. I refused to give XXXX my new account number, but they refused to take no for an answer. Over the following more than a year, XXXX submitted charges to my account under my old account and Citibank authorized these charges and posted them to my new account number. I disputed every one of them. Citibank approved every disputed charge. Finally, on XXXX XXXX, XXXX submitted a charge of {$50.00} which Citibank approved, despite lack of authorization to do so.
I need Citibank to once and for all lock out ALL charges submitted under my old account number. I also need Citibank to permanently block any and all charges from XXXX XXXX for any amount, at any time, and for any reason. I also need Citibank to permanently reverse the {$50.00} charge of XXXX XXXX from XXXX XXXX. Federal law gives me the right not to have to deal with unauthorized charges and Citibank 's actions are violating these federal laws.

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 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I ha d two Citi  credit cards. They both came with bonus points. After about one year, I cancelled  one  of the cards. Last weekend, I noticed that app rox 72,000 poin ts were deducted. When I call ed Citi, I was told   that when I cancelled, I was told I had 60 days to use those points or they would be forfeited. The representative told me that she would contact me after retrieving the phone call to cancel the card to make sure I was warned.     She called back to tell me they had no record of the cancellation but that they sent me an email with the information. I can not retrieve emails that old but have no recollection of this. Much worse is that the account has an {$87.00} credit balance. Think about this - they ran to take the points away but seem to be fine with holding on to my money. If they had any integrity, and if they truly had warned me, they would have sent me additional emails over those 60 days, certainly by day  55, to  " remind '' me that I was in danger of losing those points. I am very savvy about these things and have been very successful with points - this is totally inconsistent with my history. There is no doubt that their anxiousness to take my points while keeping my money speaks volumes. I want those points reinstated so they can be redeemed. If they had refunded my credit when I closed the account, they might have an excuse. Here they do not.

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 Navient Solutions, LLC. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX, Direct loans and other companies have constantly caused problems which damaged my credit and has led to filing bankruptcy twice. They have constant sold my loan from one company to the next capitalizing the interest over and over. I never received the interest rate that they promised over the phone. This has been a constant financial burden to me in such that it has caused me severe financial harm. They would ask for paperwork to be sent to them over and over stating they got it but it was lost or claiming I did not send it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: There was a glitch in the system. These inquires were added back to my 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 12/28/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The credit bureau is reporting me as deceased. When i tried to go and dispute it, I answered the questions wrong. They asked about a mortgage I did n't even have. The rest of the questions I answered were correct. I am now locked out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (LA).
Issue: Unauthorized transactions/trans. issues

Complaint: I had my direct deposit set up with Rushcard and now I ca n't access my funds. It posts the funds to the account but when I try to withdraw it from the ATM it does n't allow me to. It also wipes out my balance when I try to use it in any store or contact them about not being able to use it. Also, when I contact them they hang up in my face or tell me that there is nothing they can do until it 's fixed and they have not estimated date or time that it will be corrected. I call them everyday and as soon as I 'm connected to an agent they hangs up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2016 about Credit card () with CITIBANK, N.A. (MS).
Issue: Advertising and marketing

Complaint: About Citi AA Credit card. 
In their website, it is stated that Plus new cardmembers can earn up to {$100.00} in statement credits on eligible XXXX XXXX purchases in the first 12 months of account opening. See website : XXXX But I never got this XXXX credit back to my account. Today, I called citi. The agent played word game with me. He said that " new member '' is not a new member to citi AA credit card but CITI credit cards as a whole. If I applied any Citi credit card, I am not eligible for XXXX dollars credit 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 explanation
Consumer complaint received 03/24/2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Receivables Perfom is currently reporting a paid Collection account on my most recent XXXX Credit Report. 

The debt was paid to the original creditor. It was not paid to third party. 
Written request for complete information concerning the debt have not been answered nor addressed as of today.

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 06/22/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: Bank of America has lied and they just do not want to assist customers in finical hardship. Since our last discussion I looked into Bank of America option of Credit Counseling and they should be aware that CLOSED accounts are not eligible for that plan. My account is closed and has been for sometime which means that it is not eligible for their suggested program and yet they still refuse any assistance to their former customer in addition Bank of America has yet to provide me with information about their " regulation '' that restrict their programs but no other bank including those larger than Bank of America appears to have the same restrictions.

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 01/13/2017 about Consumer Loan (Installment loan) with Conn's, Inc. (AZ).
Issue: Problems when you are unable to pay

Complaint: Conns Furniture gave me a high interest rate loan. 
XX/XX/XXXX, I became ill. and fell behind two payments. 
The payments have since then been paid in full. 
The constant harassment of calling from XXXX different phone numbers continues. The calling of friends and family members continues, when asked that they stop. They said they would when they received XX/XX/XXXX payment. In regards to the Fair debt Collections Practices Act. and The Fair Credit Reporting Act. I really need for Consumer Financial Protection Bureau to step up and give real assistance. I have continuously filed complaints with CFPB, Since XX/XX/XXXX and now XX/XX/XXXX. As long as these loan companies are vendors to the repositories they will report whatever they like and they really need to be held accountable. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NC).
Issue: Struggling to pay mortgage

Complaint: As the client 's XXXX XXXX I have been trying to obtain the Promissory Note for the client since XX/XX/XXXX in order to apply for Hardest Hit Funds in NC. The client has called several times, as the XXXX XXXX XXXX I submitted a new Third Party Authorization on XX/XX/XXXX according to their requested specific  guidelines that the agency name and phone number had to be on the same page as the clients signature. When I called back today XX/XX/XXXX Citi Mortgage then informs me that the client has to be present for them to provide me with the document. At no other time have they relayed this information to me. Then when I told the agent that the client has also called several times and requested the Promissory Note but it has never been received there was not answer for this.

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 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Since XXXX 2017 I have disputed a bankruptcy on my credit report that is not mine, Equifax, XXXX, and XXXX are claiming to investigate it but my contact to the court denies this. Equifax claims to get this info from XXXX who I did contact by certified mail with no response ...

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Credit card () with Continental Finance Company, LLC (PA).
Issue: Other fee

Complaint: I applied for a XXXX credit card and read the agreement .It says there will no monthly maintenance fees started until 2nd year of terms.Yet I closed my account before entering the 2nd term.There is still a balanc I am paying off from the company.They have added the monthly maintenace fee on tho while paying it off tho. I dont feel that is legal according to what I read.This is due to the fact as I said I didnt enter in to the 2nd year of term because I wasnt willing to pay a {$120.00} annual plus a XXXX $ monthly fee, that would have been XXXX a year to keep open whether you have a balance or not.

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 10/24/2016 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get a medical bill in collection that I do not have any knowledge about. This bill is for 2014 and I do n't recognize this debt. I want this account to stop hurting my credit and calls to stop immediately.

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Fraudulent hard inquiries appear on my credit report. I have tried disputing them and have had no success. Please have the three credit bureaus, XXXX, Equifax, and XXXX remove the following hard inquiries from my credit report : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX My personal identity was stolen and i did not make these requests. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Have received phone calls at XXXX on XXXX, XXXX on XXXX, and at XXXX on XXXX from the collection agency.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am trying to secure a home loan at XXXX XXXX XXXX in XXXX NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted 5 of the 5 accounts which are fraudulant accounts to have them closed or to inform 2 of the accounts that have balances, that they were not opened by myself. One of the organizations XXXX XXXX acknowledged the fraud activity when none of the information provided matched their information. The other organization XXXX XXXX XXXX has been highly uncoorperative. They have been contacted over 6 times since X/X/17 when the report was run. I can not speak to anyone higher in the corporation than a floor manager, who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on X/X/17, two more times with dates I did not document.On X/XX/17 I spoke to the floor supervisor XXXX who opened a case report and informed me that someone would contact me to further the case. No one called. OnXX/XX/XXXXI  spoke to XXXX who opened a case, took down my information and told me someone will call me. Noone called. On X/XX/17 I spoke to XXXX and XXXX who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a 30, 60 day late charge and reported to XXXX, XXXX, XXXX lowering my credit score. I was also informed that they are going to charge me a 90 day late charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed XXXX to help in the battle. XXXX XXXX will not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are XXXX XXXX XXXX and credit card division XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Billing disputes

Complaint: I was late making the monthly balance payment to American Express on account numberXXXX. They eventually cancelled the card and charges off a balance of {$1400.00}, but not before rolling up late charges and interest for many months. I have asked repeatedly for several of the bill collectors to get me a copy of what any actual charges were, as opposed to penalties and interest, and offered to pay actual charges, but no one ever responds, and if i try to call AMEX they just say it has gone to collections and refuse to talk to me. None of the collectors ever send a copy of what I am being charged for.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Medical debt) with GOLD KEY CREDIT, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I revived a letter from Gold Key stating that the debt was or will be removed from my credit report. 
Also you have not contacted XXXX to report the changes in my credit report, I would ask you to do so, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2017 about Debt collection (Other debt) with YAMAHA MOTOR FINANCE CORPORATION USA (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a call from Yamaha Motor Finance on XX/XX/XXXXand spoke to XXXX. She informed me that my account was 50+ days past due for {$51.00}. I questioned the amount because I always pay more than our monthly payment. She stated that they took my late fees of {$51.00} out of my last installment payment made and now my payment is past due. Is this legal?? I have read my contract thoroughly and can not find such justification. I asked for a supervisor and talked to XXXX. He sounded like a broken recorder so I asked for his XXXX, XXXX XXXX ( not sure if spelled correctly ). I was told that since the mgr is not in the office they can not transfer me to his voicemail?? I was also refused the managers email address. I have since tried to reach this billing XXXX on XXXX, XXXX, and XXXX. I even sent a certified letter on XXXX/XXXX/XXXX to which no one has responded. On XXXX/XXXX/XXXX I paid the {$51.00} PLUS a monthly payment. I received a call today XXXX from them and talked with a supervisor named XXXX because I was told that now my account does n't qualify for the extension ( I 'm only 10 days past due now ) but XXXX offered this to me at 50+ days past due XXXX XXXX said that must be a training issue ). I have been out of work since XXXX and I 'm trying very hard to keep the account out of collections. I would like their payment tactics looked into because it seems unethical and illegal in so many ways.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit card () with U.S. BANCORP (MD).
Issue: Other

Complaint: I have a Fidelity Reward credit card. Recently they change the servicer from XXXX XXXX XXXX to US Bank. But they did such a bad job in conversion. I did not receive the notice but receive my new card ( a Visa card, used to be XXXX XXXX ). Then I update my account number with the new number and send the XX/XX/XXXX payment ( {$2100.00} ) through my online checking account. After 2 weeks, this payment was not posted into my account. Then I called them and was told the conversion. They did not receive my payment since I used the new card number but sent to the old address. I did not know the conversion happened in the first place. How would I know the new payment address? I called the original servicer, XXXX XXXX XXXX, new servicer, US Bank, and my online bank. Nobody is responsible for this mess. I lost my {$2100.00}!!!

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 01/26/2017 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account has been disputed time and time again. I have submitted undisputable proof where the company that they made errors with my documentation. I lost a sale of my property due to them making an error in my processing. The credit reporting agency still has not had this removed from my file. they keep stating that is account is verified as is. But with me showing proof of their negligence it should not remain on my credit file. I also have proof where they removed the account from credit file and had it placed back on by changing the 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 07/23/2015 about Debt collection (Credit card) with CITIBANK, N.A. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are continuing to call and harass me even after I speak to a representative and either make arrangements with them or tell them of future arrangements. The reps are obviously not documenting the accounts properly because I continue to get phone calls almost every hour on the hour. From what I understand, once I speak to someone they are not supposed to continue calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I have several credit inquires on my credit report that were not requested by myself and were given without my authorization  1.  XXXX   XXXX   XXXX   Date Filed   XXXX  2017   Type Credit Unions 2.   XXXX   Date Filed   XXXX /2017  Type Mortgage Reporters 3.   XXXX   XXXX   XXXX   Date Filed   XXXX /2017  Type Mortgage Reporters

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