milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I received an offer to sign up for a CitiGold checking account, make a deposit of $ XXXX, and get a {$400.00} sign-up bonus. My experience with Citi has been horrible : - I met all the sign-up requirements, but did n't get the bonus as promised. I needed to email them multiple time and call them before I finally got the {$400.00} credit. 
- I withdrew my initial deposit after the required holding period, but was then charged a monthly service fee ( {$30.00} ). This fee was n't clearly displayed during marketing or the account opening process. They also continued to charge me this fee the following two months even after I had put in a balance large enough that was supposed to waive the fee. They eventually reversed the fees, but it required me calling in every month for 3 months. 
- When I had a {$0.00} balance and then got hit with a monthly service fee, this put me in overdraft status. They then charged me an overdraft fee. I do n't think it 's right to charge an overdraft fee when their fee caused you to go into overdraft state. Again, they refunded it, but it took another call. 
- While they have high limits allowing transfer of funds into Citi, their limits on sending money outside the bank are frustratingly low. They require a balance of $ XXXX to avoid fees, but only allow for external transfers of $ XXXX / day and $ XXXX / month. 
- While it 's nice they allow for online account opening, it 's annoying that you ca n't designate your backup withholding status electronically. Instead, they wanted me to fill out a thick set of forms and mail it back to them. 
Overall, dealing with Citi has been a horrible frustrating experience and I am going to close my account once I am able to remove all the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are two credit inquires on my report that are fraudulent and do not belong on my credit report and I want them removed. 
XXXX credit inquiry XXXX credit inquiry please remove and update my score. I'm not sure why everytime my credit score goes up your company false reports and brings my score down I am XXXX and this is crippling me as I have tried endlessly to put a end to someone using my name and social.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Advertising and marketing

Complaint: We applied and were approved for a credit card through XXXX XXXX XXXX card, provided by Citi. We were told that we would receive certain benefits such as improved boarding position and free checked baggage. When we used the card to purchase flights/book travel we still were charged for our checked bag and were not given the improved boarding status. The flights were purchased almost a month in advance and the bags were paid for at the airline kiosk with the XXXX XXXX XXXX Credit Card. When I brought this to the attention of the credit card company and the airline, both redirected me to a refund website which was not particularly clear about the information required to receive a refund. The website asked for a " document number '' which could mean an itinerary number, membership number, credit card number, how are you to know? Once I figured it out ( number found on the credit card statement ), I filled out the required information on the website and was told that my application would have to be manually reviewed. I had to do this twice, for the bag that travelled to and back from our destination. We 've flown since and I assume that I will have to go and file for these refunds individually. What is frustrating about this, is that we receive our reward miles ( as promised ) but the other benefits with upfront costs seem deferred until you the consumer takes further action. Why must a consumer take additional action to realize certain advertised benefits while other benefits such as airline miles are awarded using the same information? I could not receive nor use my airline miles without providing my XXXX XXXX membership number. Why then, when I provide my membership number to check into a flight and pay for a bag service at an XXXX XXXX point of sale at the same time, using their XXXX XXXX Credit Card, do I not receive the other benefits associated with the card. It seems to me that when I provide my membership number and present my card at the XXXX ( as well as in person when I hand over my bag for check-in ) I should automatically receive the benefit stated on the card ... why all the additional hoops? I wonder if this is a method of taking in revenue that hinges on a customer not paying close attention to their benefits. Furthermore, by providing some benefits, it creates an illusion that the XXXX and Credit Card company are behaving " above board '' by giving you benefits, when they are not actually awarding the customer all of the promised benefits as stated in the credit card application.

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 07-02-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I applied for REPAYE on XXXX XXXX, 2016, through studentloans.gov. I just discovered today ( XXXX XXXX ) that my request was denied on XXXX XXXX by my servicer ( Fed Loan Servicing ) because I have a deferment. First, Fed Loan Servicing never sent me any mail or email to tell me the application was denied. I only found out when I happened to log into their website to check my account and saw the notice there. I searched my email I never received anything from them about the denial. Second, the application was improperly denied. The Income-Driven Repayment Plan Request application specifically includes a question ( # XXXX ) about whether the applicant is in a deferment -- and I check " Yes, but I want to start making payments under my plan immediately. '' Therefore, Fed Loan improperly denied my application and should have granted it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2015 about Credit card () with BOEING EMPLOYEES CREDIT UNION (WA).
Issue: Credit card protection / Debt protection

Complaint: fraudulent charge showed posted to my credit card account. Charge XXXX XXXX FL.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (KS).
Issue: Trouble during payment process

Complaint: My name is XXXX XXXX and live at XXXX XXXX XXXX XXXX, XXXX, KS XXXX, I purchased a home through XXXX XXXXXXXX XXXX in XXXX, in XXXX the mortgage was purchased by XXXX XXXXXXXX XXXX in XXXX GreenTree purchased our mortgage and then in XXXX Ditech has merged with GreenTree. I was unaware of any kind of problem with Ditech Inc, ( Account # XXXX ) until I ran my credit report. They are reporting my payments being late from XXXX XXXX to current XXXX XXXX from 30 to 120 days late, our mortgage has not been late during this time frame and has been paid on time per the written contract with XXXX Mortgage signed in XXXX. Ditech is not honoring the contractual agreement terms of the mortgage holders that they have acquired. They are reporting my account past due {$7000.00} as of XXXX XXXX, per my bank records going back to XXXX XXXX XXXX my account is current. They are also charging me late fees when per the original contract signed with XXXX their is a Grace period from the 1rst of each month until the 15th, not considered late if paid prior to the 15th of each month. There are 8 instances on my Credit Report where they are not reporting the payments that were made to both GreenTree / DiTech Financial and the balance being unchanged. They are also incorrectly reporting the payment amount that was made to them for the months that are reported. They are incorrectly reporting the balance owed on my Mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX. 

We had 5 credit card accounts. Our credit report shows " no late payments '' " ever '' until XXXX or XXXX XXXX. 

We took out Chapter XXXX Bankruptcy on XXXX XXXX XXXX. All payments were current. We were told the trustee would pay the cards and no further interest would be charged. We took out Chapter XXXX to hopefully settle some things on our house. Every bill we had was current and paid to date. Again, there is continued perfect history on our vehicles, electric payments, insurance, etc. 

As soon as we filed the bankruptcy paper, our credit cards closed the account. In addition, as we find out two years later, the credit card companies immediately sold the debt to collection companies for pennies on the dollar. It was not to collect for them as the trustee would have been paying them for the next 5 years. 

After settling on the house, we withdrew from the bankruptcy. We saw XXXX XXXX checking our credit. Then we started getting calls from them. They said they were collecting for the credit card companies. We settled 3 of the accounts as agreed and were doing payments of the other two for 5 years. 

Every month, portfolio as a collection agency, is stating that a late payment is received and reporting it on XXXX 's credit report. They also reported my payments to them when paid in full as late. 

Our insurance company on our house told us we were a poor risk and raised our premiums because we made late payments to a collection agency. 

Attached are a viewing of XXXX and XXXX payments that they automatically take from our bank account. Again, we receive and the credit report shows that the payment is late. 

XXXX XXXX is a debt buyer not a collection agency. They are destroying our credit history by reporting it late and that " we were sent '' to collections. AGAIN THIS IS WRONG. They bought the debt -- period. Now they continue to ruin our credit by false reporting even though they are getting paid every month on time as they agreed. 

We do n't think they should be allowed to report payments this way and ruin our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FROST BANK (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Frost Bank did a hard pull on my credit without my consent. I inquired about a loan at a branch, gave all my personal information and asked to have my file sent to an underwriter. But I never agreed to have my credit pulled. No disclosures were given to me and no consent was obtained verbally or in writing. I called Frost Bank after a hard credit inquiry appeared on my credit report to have it removed. They were going to speak with the branch banker who had only ever taken one application prior to mine and get back to me. I called three times, spoke to employees in various offices, and a woman promised to get back to me. I told her this was clearly a regulatory violation ( FCRA and Regulation V ), reporting a credit inquiry without having obtained consent or providing disclosures. Please ask Frost Bank to remove this incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: For the second time Freedom Mortgage has misreported information to the credit agencies. We completed our refinance with Freedom mortgage and closed the previous loan. Freedom mortgage has reported a 30 day late notice on a loan that closed and paid in XXXX of 2016 ( XXXX ). On XXXX XXXX, 2016 my wife and I both received 30 day late notices on this " closed '' loan. Freedom mortgage has also incorrectly reported our loan balance to the credit agencies. They ( Freedom Mortgage ) have added the paid interest to the loan instead of reporting the payments made. Both these items have a negative impact to our credit reports.

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 07/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX of XXXX XXXX assistance XXXX total, XXXX XXXX XXXX total, an account through XXXX XXXX. Please help as this agency is not complying

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called Transunion multiple times about these inquiries on my credit report. I sent letters to all of the creditors who have no knowledge of these applications. I called and spoke with XXXX in the Us Handling Department at Transunion who said he would get these deleted and never did. I have been speaking with different reps who gives different answers. I have been following rules by sending in certified letters and I have copies of the receipts.

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 05/13/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm representing a client who had XXXX loans recorded by GMAC for her property in 2003. XXXX mortgage is still active and a XXXX was released. The XXXX mortgage was a HELOC in which the client never drew from. GMAC closed and never recorded a release for this unused account. Now there is a mortgage still appearing on title and I ca n't track down a servicer to obtain a lien release or any proof that this loan has a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I purchased a new motorcycle from Honda with Honda Financing for the loan in XX/XX/XXXX. I was fully covered with insurance for the vehicle and GAP insurance for the loan. The vehicle was totaled on XX/XX/XXXX. I notified Honda of this the following week. My monthly payments were about {$160.00}. My insurance company sent a check for over {$4000.00} to Honda, however, Honda said I was late making a payment. My GAP insurance sent Honda a check for the remainder of the amount owed on the loan. When I found out my credit score had negative remarks on it greatly lowering it, I called Honda. They told me that since I did not pay them {$160.00} that my account was delinquent. They said even though the insurance paid multi-thousands more than the {$160.00}, it did not count since it I did not make the payment. Both my auto insurance and GAP insurance have paid the total of the loan within a couple of months, however, my credit is still damaged because of Honda. I have been communicating with Honda and have submitted to them all the documatation they have requested as soon as I had them, as well as other documentation from the insurance companies that their money is on the way.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: MY NAME IS XXXX XXXX. I WAS CHECKING MY CREDIT AND FOUND OUT THERE ARE DIFFERENT ADDRESS LISTED. I HAVE NEVER LIVED IN XXXX, IL 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 2 ) XXXX XXXX XXXX XXXX, IL XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, IL XXXX ALSO I HAVE NEVER GONE BY THE NAME XXXX XXXX. I THINK IS THE WRONG PERSON OR THEY ARE USING MY IDENDITY. MY EMPLOYER INFORMATION IS NOT CORRECT.

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 03-10-2016 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Application processing delay

Complaint: The Chase account has been reporting on my personal credit report, when in fact, this account should be listed on my business credit. I have disputed this information with the XXXX credit bureaus and nothing has come of it. I am appalled at this situation!

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (FHA mortgage) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Me and my husband are both retired senior citizens, and tried to refinance our home. The BBVA Compass Bank informed us we should not have any problems refinancing our home. We informed them that we did have a bankruptcy on our credit, and it was less than 5 years old. The banking officer informed us that it should not be a problem getting us approved, so we scheduled the appraisal per the officers instruction. The money was taken out of our account without knowledge of the date. We then received a letter stating that we were denied the loan, but we were informed by the officer it would not be a problem getting approved. We were upfront in letting them know about our credit situation, but we were mislead by the bank staff in general. We are XXXX retired XXXX and on a fixed income. The amount of XXXX that was taken out XXXX/XXXX/15 was a setback for us, especially being mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am disputing the validity of your attempt to collect a balance as it has already been paid. 

My HSA plan, XXXX XXXX, paid this in XXXX XXXX for a service from XXXX delivered in XXXX XXXX. The debt of {$23.00} was paid in a timely manner, but XXXX is having an internal issue with posting the payment properly. 

I also called XXXX on XXXX/XXXX/XXXX to dispute the bill and had a conference call with my representative at XXXX XXXX, XXXX, as well as XXXX from XXXX XXXX. XXXX provided XXXX the virtual card payment authorization # XXXX and confirmed that XXXX processed the payment on XXXX/XXXX/XXXX. 

I then called AGAIN on XXXX/XXXX/XXXX to XXXX after receiving another statement, and spoke to XXXX. She told me that she saw a note that the Deposits Department was investigating the missing payment and she was sending them another message to get an update of the status. 

I have not received another bill since this time, so my assumption was that they found the payment and applied it to the account. 

It is now XX/XX/XXXX, which is 16 months later, and I am being contacted by another collections company about this same debt. I called the company, American Medical Collection Agency, today and advised them that this has been paid, provided a copy of the HSA statement showing the deduction of funds and the background information presented above. 

This is unacceptable to continue to be harrassed for a small dollar bill that has already been paid in a timely fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with HIGHLAND FINANCIAL SERVICES (Closed) (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: A woman called me from an out of state # XXXX and said she was calling me because a Civil Action Lawsuit was being filed against me. She would n't tell me what the lawsuit was in regards to, she was rude, she said I needed to call XXXX and reference a case # within the next 2 days before I get served with a Summons. I called the toll free # and a man requested my name and DOB and said the call was in regards to an outstanding XXXX account the was 7 years old. I explained to him that I 've never had a XXXX account. He said I should know about it because it would have been on my credit report. I told him it was n't and I know this because I just purchased a home. When I told he to no longer call my phone and that I work at a lawfirm and will begin recording the conversation he got really upset and requested my bar number. He then said I could n't record our conversation and said he was going to hang up.

Company response to consumer: Untimely response
Consumer complaint received 12/30/2017 about Mortgage (Conventional home mortgage) with BB&T CORPORATION (GA).
Issue: Trouble during payment process

Complaint: Our mortgage moved from XXXX to BB & T, I had been a XXXX customer for 10 plus years, in those 10 years, we have not been late on any payments. Starting XXXX ( thru XXXX XXXX, BB & T has reported me late to the Credit bureaus although we have not been late. BB & T receives two payments for the mortgage ( one from me and the other from my mother in law ), it appears that one payment is always reversed and is not corrected til a later date ... I have contacted BB & T and they acknowledge that I have not been late and correct it in their system, however, when I asked for the Credit bureaus to be corrected, BB & T is not correcting the CB 's. My score has dropped over 75 points. I am trying to purchase a house and this has had extreme negative impact on my score. In addition, had I not been monitoring my credit as closely as I do, I would not have seen this issue and it would be too late for resolution. I have tried to work with BB & T as well as the credit bureaus ( submitted disputes ) with no corrections in my Credit Report. I need to have my credit report corrected to reflect that i have NOT been 30 days late.

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