milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Mid-America Accounts Control Bureau, Inc. (MO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was called by Contact information : Mid-America Accounts Control Bureau , Inc . 
XXXX XXXX XXXX XXXX XXXX, Missouri United States Phone : XXXX saying they had a hostiapl bill from XXXX hospitals that they were turning over to a lawyer unless I paid the debt. I told them I had a credit lawyer taking care of everything. They then told me they would be turning it over to a lawyer. They then hung up the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: XXXX XXXX XXXX XXXX - I signed up for XXXX XXXX card in anticipation for a trip my wife and I were planning on taking. The promotional material I received in the mail was that I would earn XXXX XXXX miles after spending {$4000.00} in first 4 months. I more than exceeded the {$4000.00} in four months but was only credited XXXX bonus miles. I called Citi costumer service and they said that I was never eligible for the XXXX points offer. I read for them word for word the hard copy letter I received in the mail and they indicated I had to send them the hard copy letter, which I did. I called them back after a week and they confirmed for me that indeed I was eligible for additional XXXX points. I said ... great, please credit me them so I can book our airline tickets as the prices / miles for the tickets I need to book have already increased due to their mistake. They simply told me they were unable to do so and the it would take up to 2 billing cycles for the additional credits to hit my account. In my opinion this is simply unacceptable and they are clearly responsible for any costs I incur due to increasing airfare considering it was their mistake and they admitted it was their mistake.

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 04/19/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Selling my mortgage to a Business That Is Not BBB Accredited Mortgage Company.  XXXX    XXXX    XXXX . Without giving us an account number or without approval from us. Leaving me open for more of their stealing and helping  XXXX  to do what their past complaints consisted of to me. Got notice today and It starts  XXXX   XXXX    XXXX  . Less than  2weeks.  Spoke to  PNC (   XXXX   )  she did not care. I took out the loan with  National City Mortgage Company. National  City was bought out  by PNC. I called PNC yester day and asked for a supervisor call us., they did not call us.  XXXX  said they have nothing to do with us any longer because they do not have our mortgage any longer. We have been paying on time for almost 16years. This is our home. We have more than nothing to say about who we do business with. Nationstar is the worst business they could have dumped us on. Nowhere on or contract does it say that they could sell our mortgage. We never implied or signed anything allowing them. .Nationstar just got fined  XXXX   XXXX  Dollars fine last month. I was told by  XXXX  to call  XXXX  to get this information .I got a tape telling me that they would call me back. They did n't either.  XXXX  is also where my checking account is with no bouncing checks. Where did we go wrong. Nowhere.PNC went wrong. Just because their a bank that does not give them the wright to do what ever they want. I served my Country and I expect the lawful authorities to do there jobs. It amazes me how a company like  XXXX  stays in business. Own and operated by crooks. There are  XXXX  reviews about  XXXX  bad, XXXX  Neutral  XXXX good. All the complaints are of the same nature.Stealing, charging fines after suddenly misplacing their payments making payments late drawing late fees. ect..This is where PNC dumped my wife and I. We are  XXXX  and we do not or will not deal with thieves. The Government needs to shut down  XXXX  and not allow Banks lik e PNC t o dump you in the middle of this mess.PNC was our 2nd Mortgage company. We still have no payment book or even an account number. Would you trust them? I feel like we are being set up by PNC to later have  XXXX  steal from us.  PS My si ster had  XXXX   XXXX   XXXX .  3months ag o they foreclosed on her home .She said her payments disappeared. Payed through her bank.  XXXX  &  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Ohio  XXXX   XXXX . Please leave message been getting allot of sales calls since this happened.  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Bank account or service (Other bank product/service) with WESTERN ALLIANCE BANCORPORATION (NV).
Issue: Using a debit or ATM card

Complaint: The Bank of Nevada/Western Alliance Bank AutomaticTeller Machine location XXXX at XXXX XXXX XXXX XXXX XXXX Nevada, did not released the {$400.00} I requested on XXXX XXXX, 2016 approximately at XXXX using my XXXX XXXX Debit Card .A message on display stated an invalid transaction. On a second try I collected the {$400.00} with a receipt of the transaction which indicated the previous {$400.00} were already deducted from my XXXX XXXX debit card from my checking account causing a low balance of {$310.00} from the XXXX checking account balance. I immediately on the same day XXXX XXXX, 2016 I reported the Bank of Nevada/Western Alliance Bank 's ATM Fraudalent Activitiy to my XXXX Customer Services representative, XXXX XXXX XXXX, at the XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Nevada. The XXXX XXXX representative, XXXX XXXX XXXX is claiming the {$400.00} from the Bank of Nevada/Western Alliance Bank be credited to my XXXX XXXX as soon as possible. Such ATM fraudulent activity caused me to suffer severe financial distress lowering my Checking Account Balance with insufficient funds to meet my next financial obligations due on XXXX XXXX, 2016. My income is from the Social Security Administration Retirement Benefits payable only on the Second Wednesday of each month. My next direct deposit is due on XXXX XXXX, 2016. Consequently, because of the Bank of Nevada/Western Alliance Bank 's Automatic Teller Machine 's fraudulent system I am suffering a severe financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Closing/Cancelling account

Complaint: acct closed with XXXX balance due and still showing under my XXXX credits bureaus was also included under chapter XXXX bankruptcy. please removed this acct.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Their is errors on my credit report that I did not validate or authorize. These accounts/inquires below need to be removed immediately because they do not belong to me. 

REMOVE COLLECTIONS : XXXX XXXX - XXXX - {$260.00} XXXX XXXX XXXX XXXX - XXXX - {$710.00} REMOVE INQUIRES : XXXX XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX XXXX/XXXX XXXX/XX/XX/XXXX XXXX/XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX  XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX REMOVE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 04/20/2015 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A law firm acting on behalf of Unifund got a court order judgement against me for way more than the debt owed. There are several points to this complaint : - Unifund 's law offices representatives REFUSED to let me speak to their attorneys. 

- they threaten me and told me not to get my own attorney. They told me if I hired an attorney they would charge me {$25000.00} in fees as a penalty. 

- I was never served papers on this case. I pulled the serve and they say they served a XXXX XXXX which is impossible bc there was/is not anyone else at the home that fits the XXXX description on the paper. 

- they keep changing the amount I owe and refuse to put the exact amount in writing. 

- when I offered to pay the amount of the judgement thet refused to provide a receipt or any paper work saying I satusifued the debt. 

- they threatened to ruin me financially and said they would never stop suing me

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX DOB XX/XX/XXXX XXXX XXXX FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX, XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX A XXXX ACC # MEDICAL ACC # XXXX XXXX, XXXX F XXXX XXXX XX/XX/XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 04-07-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Billing disputes

Complaint: I was ( rightly ) charged a late fee for a payment. The following month I made my normal monthly payment on time, howrver Capitol One charged me an additional late fee because I did n't pay the first late fee. So they 're charging me a late fee- on a late fee. 
When I called, I was told by the representative that the late fee is rolled into the loan balance- which in my understanding is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank SXXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 06/15/2017 about Student loan (Private student loan) with GREAT LAKES (TN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I attended XXXX for 2 years. They had referred me to XXXX XXXX XXXX for my student loans. I am at {$28000.00} in debt since XX/XX/XXXX. I am in deferment until XX/XX/XXXX. Interest is accruing at $ 700+ a month. HOW THE XXXX CAN I EVER PAY THAT BACK!? I could go and get a XXXX degree for XXXX XXXX and XXXX XXXX for less than {$6000.00}. I was absolutely taken advantage of under their predatory loans.. What can I do about it now? Kiss my chances at ever being financed for a home or car goodbye the rest of my life?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Consumer Loan (Installment loan) with Bliksum, LLC (WI).
Issue: Problems when you are unable to pay

Complaint: I had to take out a loan for a house repair and loan me.com was the only one willing to loan me XXXX dollars what I needed. Now come to find out its 135 % interest and by the end of the Loan term I will end up paying around XXXX dollars this is loan sharing and they take advantage of people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Bank keeps denying me a checking account for no reason. I have had a checking account with them once for 2 weeks which they have closed with no explanation. I have tried to apply and open a new account with them however they keep refusing it with no clear explanation.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (TN).
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 disputed the fact that I was never late and there is not a pending foreclosure. My XXXX report has dropped nearly 30 points because of this. I did in Lieu of Deed. XXXX paid CitzensOne off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with XXXX, XXXX and XXXX. There were no late payments either.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (IN).
Issue: Closing on a mortgage

Complaint: We were doing a mortgage and called XXXX XXXX with Loan Depot. We told him what we wanted and had been quoted for rate. He said he could match it. When we got our financial docs to sign I saw that he was charging me {$4200.00} to buy down the rate. I called and told him that I was not going to pay to meet a rate I had gotten from another lender. He told me " don't worry about that, just sign it and I will get it taken off before we close ''. Our loan was very rocky bc of XXXX XXXX. We were supposed to close on XX/XX/XXXX, but he did not get the appraisal out in time and we were delayed. That was difficult for us bc we were supposed to be out of our house we were in on XX/XX/XXXX. We had to pay extra to stay until the XX/XX/XXXX. Then a few days before the loan closing we get the disclosure paperwork and that was not taken off. We called and could not get anyone to help us. We went forward bc we would have been homeless onXX/XX/XXXX had we not. At the closing table the {$4200.00} was still on the paperwork. I was very unhappy, but had to have a place to live. I signed and closed on the loan. 
On my way to our house to move into, less that 1 hour from closing a rep from Loan Depot named XXXX XXXX called and apologized that they had made mistakes and the {$4200.00} was not taken off bc my loan officer did not give them what they needed. I explained to him that I was not happy at all and I wanted them to refund the buy down rate that they charged me. He said to get him documents from other lenders, I told him I did not have any bc that was months ago and I can not call a lender and ask them to send me docs after I have closed with someone else. He insured me that they were at fault bc they did not follow the fair lending practices that are in place. He stated that someone would be getting with me to fix this situation. That was on XX/XX/XXXX. I have called and tried since then to get this resolved. XXXX XXXX the branch manager called and said he was trying to solve this but would have to send it to legal to get it taken care of. That was the first part of XX/XX/XXXX. It is alomost XX/XX/XXXX and I have not heard from anyone. I have sent emails and text messages letting them know if I do not hear anything I would be filing a complaint. To this day I have not heard back. This is a classic case of predatory lending and I want to be reimbursed for the money they dishonestly took from our family.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2017 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In response to Consumer Bureau : XXXX Doctors Business Bureua To Whom It May Concern : The Affidavit was typed! 
Please be advised that I have received your correspondence dated XX/XX/XXXX. This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Struggling to pay mortgage

Complaint: I applied for a mortgage modification and was declined in XX/XX/XXXX due to income. I later received information that my home was being foreclosed. My lawyer stopped the foreclosure. I was later given another court date. I submitted another modification request I XX/XX/XXXX before my court date. The judge did not foreclose my home but Wells Fargo refuses to help me save my home by doing a modification. The servicing company for Wells Fargo is America 's Servicing Company. My income has improved for my husband and myself that is now stable.

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