milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Citibank had lied to me and continue to playing a game with me. Their deceptive practice is unacceptable. Need to be corrected immediately. I heard there were thousands complains about the Citibank on purposely delay or deny customers ' bonus. I think all the victim customers should file a class action lawsuit to against Citibank. 
I successfully deposited {$15000.00} to my bonus checking account and waited for bonus to credit to my account. Until now XXXX more days had passed I have n't see a penny. When I open the account, it was stated on Citibank 's website and I had personally confirmed with their representative, that If I deposit over {$15000.00} in to the account within 30 days of account open, and keep the minimum balance of {$15000.00} for 90 days, then I will receive {$400.00} bonus. My account was opened on XX/XX/2016 with {$10000.00}. My promo code is : XXXX. And on XX/XX/2016 I added {$5000.00} to make the total balance to {$15000.00} to meet the requirement. I called Citibank multiple times about my bonus, they all said I 'm qualified for the bonus, but they gave me a deference date the bonus will be credited to my account. Today, I had contacted them and they said they do n't know why I did n't have the bonus and I should have had already. By logic, they should just credit the bonus, XXXX, they said they need open a case to do a " investigation ''. What a baloney! This is the dirty trick they are playing. Unbelievable! My account is clear as pure water, there was a deposit date and deposit amount, and the total amount never changed during these XXXX more days. What to investigate? Citibank is just do n't want to honor the offer on time and playing a game. This kind of dishonor behaviors should not be tolerated.

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 03/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Billing disputes

Complaint: I have XXXX credit cards with Bank America. However, there is XXXX I am having an issue with. I applied for a credit card for my XXXX business that I had been currently in at that time and put my daughter XXXX XXXX as an authorized user on this card approximately in XX/XX/XXXX as XXXX was XXXX of my employees as well. When we got the bill it was in XXXX 's name. I called the company ( Bank America ) and they basically told me there was nothing I could do because it was in XXXX 's name and with me as a co-signer! The bill came to my address in the beginning but was just in XXXX 's name. Suddenly, when XXXX moved to another town, she started getting my bills there at her new address! We could n't figure out why they were doing this! I told XXXX to make sure the bill got to me so I could pay it in time! Well, in XX/XX/XXXX I called the Bank of America and asked them to send me a bill to my new address as I am no longer in XXXX and we have sold our home. They said they could n't do this because it would have to go to XXXX 's address and they stated my home address! I told them that the address they quoted to me was my home address and I had been getting the bill back to my address for quite some time now! Well, they did n't forward the bill to my new address so 6 months later, they call my daughter and are harassing her for payment and she would like to buy a new vehicle and this is on her credit report. How can they do this when XXXX did not even apply for the credit card? We have called the company SEVERAL times asking for a copy of the original application because I know it is MY application!! XXXX NEVER signed anything so her name should not even be as the original applicant. They only send us copies of the billing and not the original application! I have now contacted a lawyer and he has me filing this complaint to hopefully save me from giving him money to handle this credit card company who will not listen to the truth. I hope you can help with this matter so we can get this taken care of! Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I Contacted Equifax In XXXX 2016 about Getting a replacement PIn Number For A credit Security Freeze they sent me a letter about XXXX forms of ID Well I sent in the Documentation they Reguested ( 3 ) times and I still have no pin. there only response was dated XXXX XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Wells Fargo Bank is deliberately re-aging a Line Of Credit ( LOC ) account on credit file by falsely reporting to the CRAs. Wells Fargo has removed the account history from credit file and continues to provide false data for DOFD to the CRAs by reporting this account recently went into a derogatory status XX/XX/XXXX, ( date of Chapter XXXX Bankruptcy filing ), and XX/XX/XXXX. The DOFD ( Date Of First Delinquency ) on this account is XXXX XXXX. This account tradeline meets criteria to be removed from credit file and should no longer be reported to the CRAs, as it has been XXXX years since DOFD. Additionally, this account was included in Chapter XXXX Bankruptcy XXXX years after DOFD, discharged in XXXX XXXX yet Wells Fargo placed charges/adjustments on this account AFTER they were informed of Chapter XXXX filing ( XXXX XXXX and XXXX XXXX respectively ). This illustrates a pattern by Wells Fargo of deliberately violating the FCRA and shall be sufficient to compel removal of this tradeline from credit file. This complaint shall serve as official record noting that the data furnisher ( Wells Fargo ) is providing inaccurate data to CRAs, per Experian, Wells Fargo validated in XXXX XXXX that the account DOFD is XX/XX/XXXX which is false ( official Wells Fargo Account History Report and XXXX official Wells Fargo letters dating back to XXXX are attached ). Wells Fargo also continues to update the status of this delinquency monthly on XXXX and XXXX credit files by re-aging the " last reported '' date, including comments on the tradeline that this account is " Included in Chapter XXXX Bankruptcy as of & lt ; current month, current year & gt ; ''. This in turn pushes out the " date of removal '' for the CRAs to XXXX years from each update which has been occurring monthly since I filed disputes with the CRAs. The TRUE DOFD for this account is XXXX, XX/XX/XXXX, not XX/XX/XXXX or XX/XX/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 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion, and Equifax have  re0inserted  an Item that was deleted almost a year ago. per FRCA, th e CB  's did not inform me within the 5 days of re-insertion.

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 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: About my Bankruptcy how did they receive my information because bankruptcy do not give that information to the credit bureau

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 04-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: 1 ) My mortgage loan was with GMAC but now Ocwen take over of the loan last year. Since they are taking over, I been charge XXXX times and XXXX on the escrow acct just for the taxes. I call them so many times to resolve that issue and they response is " we are going to do a review '' but nothing happen. My taxes is only {$1000.00} for the years and they are collecting each month {$230.00} that is a total of {$2800.00}. When I call them XX/XX/XXXX to address the issue they told me any extra money left for XX/XX/XXXX they will return it to me but until now I did not received nothing. They did it for XX/XX/XXXX and now they are doing the same thing for XX/XX/XXXX. I am asking them what they are doing with the rest of the money that sitting on the acct but they can not give me an answer. Right now for the month of XX/XX/XXXX, I am already reach the amount for my taxes to be pay. I like to know at the end of the year, what they will again doing with the rest of {$1800.00} left. I told them that I am struggling with my other bills when money sitting on a account which I do not have no control over. I am really living on a budget because I only survive on my SSI money and a part time Job. I told them in that case I will pay my taxes but no answer from them. 2 ) Also my principal is {$85000.00} and my rate is XXXX and my monthly mortgage is {$900.00} a month. with that rate, I feel like my payment is too high.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am locked out of my Equifax free credit report. The questions they were asking me were so wrong, and fraudulent that I am only left to believe my account, credit, identify and social security number has all been compromised. I need to resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Collection company has stated they have asked all Credit reporting agencies to remove the debt, but it is still being reflected on Equifax. See below quoted text from XXXX XXXX. 
" Company responded - XXXX XXXX XXXX said : Explanation of closure XXXX # XXXX - To Whom It May Concern : XXXX XXXX XXXX sent a second request to the CRA 's to delete the account from XXXX XXXX 's credit history ''

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (OR).
Issue: Managing the loan or lease

Complaint: We initiated an auto loan with Chase approximately two years ago. We started making payments through automatic bill pay at that time. We thought at that time that we were being very dutiful by paying on the first of the month. Well, upon recent inspection of my credit report, Chase claims we have been a full thirty days late the entire term of the loan. Effectively, when our payment is made it has been for the previous month 's bill. Now Chase Auto has made a claim on our credit report that we were 30 days late XX/XX/2016. When I asked customer service why they have n't called or written a letter explaining this inconsistency, they claim they have called ( even though I have NEVER received any call from them ) I am currently trying to buy a house and this report on my credit is holding up my application, and obviously hurting my good credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IN).
Issue: Account opening, closing, or management

Complaint: I am a XXXX who needs access to a statements from a closed joint checking account held with Bank of America. EVEN WITH the " letter XXXX '' given bank of america on XXXX XXXX, 2014, they refuse access XXXX. The bank contends they do n't have the document even though it was used to close the joint checking account and open a " guardianship '' checking account. They are requesting documentation again to review and see if they can grant access XXXX for his closed joint checking account which will be thru XXXXXXXX, I am asking for immediate electronic access to the closed joint checking account in preparation for interrogatories and his pending divorce. XXXX Hence, the reason for a court appointed XXXXguardian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: STELLAR RECOVERY INC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you STELLAR RECOVERY INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : STELLAR RECOVERY INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Payday loan () with Big Picture Loans, LLC (OK).
Issue: Charged fees or interest I didn't expect

Complaint: I signed the loan agreement with disclosed rate. What I did not understand is the way fees were calculated the day after you make a payment the new finance charge is front loaded on to the balance. If I paid according the the schedule I would pay approximately {$5000.00} for a {$1000.00} loan

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went through free annualcreditreport to get my experian report. it gave me some issue and that i will be sent a letter with report number to view. I got that letter with the report number but when i got online and punched in the number it gave me 30 seconds to view the report and after XXXX viewings it blocked the access completely. This is a joke! How can XXXX scan XXXX pages within 30 seconds before it times out!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i paid off the for XXXX XXXX and they need to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writing to dispute   XXXX    XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Sir or Madam, I am writing you to report a total injustice of my credit report being pulled 18 times for one vehicle loan. I only gave XXXX XXXX permission to pull my credit on one occasion. I checked my report and it had been pulled a whopping 18 additional times plummeting my credit score to the 500 range. I did not authorize the below 18 inquiries.

Please place yourself in my shoes and stop this egregious practice from dealerships damaging consumers lives.

I am requesting that the 18 inquiries listed below be completely removed from my credit report within 30 days. I appreciate you assisting me in contacting the below 18 companies to have the hard inquiries removed from my credit. I have disputed this atrocity through credit bureaus with no results.

List of 18 companies below to be removed from my report : Automotive, XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX from XX/XX/XXXX + Automotive XXXX XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX Please feel free to contact me with any questions or additional information at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX/XXXX/15 I called Green Tree Servicing to ask them questions about my account when they transferred me to my account specialist who was in charge of screaming belittling me and asking me why I had not paid for my XXXX XXXX. I have an entire month to pay for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2016 about Student loan (Non-federal student loan) with RMS-Recovery Management Services, Inc. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I filed for bankruptcy 3-4 years ago, which I was recently discharged from. However, during that time they tried to contact me. I directed them to my attorney but then they decided to harass my aunt, who is my co-signer. She 's been receiving vicious calls about putting a lien on her house, garnishing her and my bank account. They never call me or send me letters, they always send them to her and they keep adding interest to my debt, which it was agreed during my XXXX-XXXX chart XXXX period, interest would not increase. My debt was supposed to be down to {$85000.00}, well now they say it 's over {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On the morning of     XXXX   XXXX      2017 I lo gged in to my  XXXX  checking account to check my balance. There was an {$85.00} ACH withdraw from my account for a payment to a  Kohls  credit card with the name  XXXX   XXXX . I do not have a Kohls credit card. My wife does, but we use a different checking account to pay her bill. I first verified that the payment did not somehow go to my wife 's card. It did not. I contacted my bank and they told me I had to submit an ACH charge challenge to have the matter investigated and have the money refunded to me, but it could take as long as 45 days. They advised me to contact Kohls and explain to them what happened and that they could possibly remedy the situation faster. This is where my actual complain starts. I contacted  Kohls  and explained to them what was happening. They stated there was nothing that they could do and that they could not find the transaction I was referring to.   Here are my complaints :  1 . I do not believe a company should be allowed to process financial transactions if they do not have the ability research and find the transactions they process.    2.  I believe a company should be required to take some kind of action when they are notified that possible fraudulent activity has occurred.    3.  I believe their should be some kind of consumer protection for innocent victims, such as myself, that requires a company to take some kind of action when they have negatively impacted someone financially.  <P/> I filed a complaint th rough the Better Business Bureau . The response from Kohls was essentially them stating there was nothing they would do. A company should not be allowed financially harm someone and then do nothing to assist in the solution.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Summoned to comply with demand in petition on XXXX XXXX XXXX in amount of {$6800.00} have 15 days to comply in XXXX Judicial District Court Parish of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is hard inquiry on XXXX/XXXX/2016 labeled XXXX XXXX that again I believe was a ID theft potential. I have a XXXX contract for 2 years so there is no reason for me to have every tried to us XXXX. I did talk to XXXX and they agreed it was not me. 

Please have it removed as soon as possible.

Company response to consumer: Closed with explanation