milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened up a CitiGold checking account back in XXXX XXXX using a promotion that would give me XXXX XXXX XXXX miles once I 've made XXXX bill pays and {$1000.00} in purchases on my debit card. I completed the requirements and had n't seen my points post yet. I submitted a secure message around XXXX XXXX and the rep confirmed that I would see the miles posting within 60 days. It has been over 4 months and I still have not received my miles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX, XXXX XXXX, South Dakota which comes back to XXXX keeps pulling my credit report several times within a few weeks. I have not applied for any products with this financial institution and do not have any and have never had any products with this financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (I do not know) with Penn Credit Corporation (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had previously filed a complaint that was close because I did not have enough information or remember any of the debt collection company names. The complaint was  under:  XXXX  and was closed last year in   XXXX   XXXX  . I went overseas to work during that time and came back home in  XXXX  of  XXXX . I still have new messages pertaining to a  XXXX   XXXX  who has had the my current home phone number. From at least  XXXX  of the year  XXXX , I have had multiple daily calls from  Penn   Credit COR  at  XXXX  and  XXXX   XXXX  at  XXXX   XXXX  about debt collection. These calls start early in the morning between  XXXX  and  XXXX . No one is usually here to answer the phone and the answering machines only stores so many messages. In the past when I was home to answer the phone, I would tell the debt  collectors t hat they had the wrong number and they would stop calling after a few days. Shortly after that, there would be a different company call, and so on and so forth. It appears that they would close the file and give it to another company, but still use the client 's last know phone number which is my current number. Since the client has a female name, I think that they think I am her and that is why they keep switching the file off to other companies. This has been happening for probably 4 years and I would like it to stop without me having to change my phone number.   thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Advertising and marketing

Complaint: While booking a flight with XXXX, I was targeted for a XXXX miles + {$100.00} bonus ( after a minimum spend of {$1000.00} in first 90 days ) for the XXXX Visa Signature card. Seeing the alluring offer and the great bonus that would have reduced the cost of my current purchase, I applied via the online application and got approved after the usual credit check. I proceeded to use my newly approved credit card for my XXXX purchase - and all went smoothly. 
After about an hour of not receiving any email from Bank Of America ( the credit card issuer ) or XXXX congratulating on my approval, I searched the internet about the reviews of the credit card and found a cautionary blog ( XXXX/ ) informing me of the unethical advertising scheme that I just got trapped into. The author writes about his experience of applying for the Visa Signature card ( with XXXX miles + {$100.00} bonus and plenty of frills ) but getting approved for the " Visa Platinum Plus '' card - which is a lower end credit card with NONE of the advertised benefits or bonuses applicable. 
Really wary of this fraudulent marketing, I called up Bank of America reconsideration line and the consumer representative confirmed that I was not approved for the Visa Signature card but for the inferior Visa Platinum Plus card - which has none of the bonuses/benefits that led me to apply for a new card in the first place. The Visa Platinum Plus card does not appear on Bank of America/XXXX websites and there was no way I could have known that I would be getting no benefits at all. 
I am reporting this swindling " bait-and-switch '' marketing plot by Bank of America/XXXX where consumers are lured by high bonuses and embellishments but are not informed that they will be approved for the worthless inferior Visa Platinum Plus card.

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 07/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had settled a debt with a collection agency in XXXX of 2015. I was given a receipt for paying this debt, which says the account would be closed. However, this debt has been posted to my credit report as " in collection ''. The receipt ( as well as what I was told by the collection agency ) makes clear that this debt was accepted ; therefore the delinquency in my credit report is false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Payday loan, title loan, or personal loan (Installment loan) with SUN LOAN COMPANY INC. (IL).
Issue: Struggling to pay your loan

Complaint: O n   XXXX   XXXX  ,20  17 I was informed  by S un Loan  company that the   XXXX    checks that I have written for  XXXX  was returned by   XXXX   XXXX    unpaid. I was informed that if I did n't pay them back for the checks and the  XXXX  fee for both of them. They will send them to the states attorney. I told them that I 'm having a hardship right now due to my health of a  XXXX  I have had. And they rudely told they did n't care. Those   XXXX   checks are from a complaint I file with   XXXX   XXXX    refusing to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage with Nationstar that expires XXXX XXXX, XXXX. The loan originated with XXXX XXXX XXXX and is a conventional fixed rate simple interest loan. Nationstar is claiming that we have a balloon payment of approximately {$13000.00} due on the loan. I filed an earlier complaint # XXXX that contained the loan agreement and the modified loan agreement. In order to resolve this issue, it is important that Nationstar provide a complete payment application history all the way back to XXXX XXXX. I personally requested this payment history, and Nationstar said they would be providing it to CFPB by XXXX XXXX which I thought was in relation to the earlier complaint. However, since that complaint has been closed, I am officially requesting that information in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: RE : Case XXXX, the terms of the County of XXXX XXXX recorded " FULL RECONVEYANCE '' by XXXX XXXX XXXX, the legal counsel for Bank of America as part of the solution of the above mentioned Case, are unaceptables by XXXX XXXX XXXX, due the stated full enforcement to collect the debt, even this second mortgage loan ending in XXXX has been discharged in Bankruptcy Chapter XXXX. Case XXXX, and Bank of America Bankruptcy Team @ XXXX XXXX XXXX XXXX. XXXX XXXX CA was properly served on XXXX and XXXX 2015. The Bank of America counsel is violating a federal law order trying to fully enforcement in collecting an already discharged debt by Chapter XXXX and surrendering secured real property procceding. " XXXX XXXX XXXX '' the Bank 's legal counsel, wrote in the recorded " Deed of Reconveyance '', that this legal instrument is solely for the purpose of release the lien of the Deed of Trust of the XXXX XXXX XXXX described real property, currently in active process of Short Sale as Foreclosure Alternative and the expected Collection Effort by " XXXX XXXX XXXX '' is totally illegal As Is in the recorded " Deed of Reconveyance '' before the Authority of XXXX 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 10/31/2016 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I traditionally take and make bi-weekly payments on my mortgage with Stearns lending so that way I can take and make an extra payment as well as so I can take and pay down the principal on the loan more quickly. 
I am not signed up for any bi-weekly payment plan and or service and have always questioned given the quick and easy method by which companies are able to take and receive and apply any payments that come with them why I should have to take and incur an additional cost when I can clearly show that my mortgage company by their own system is receiving my payments but they are are choosing to apply them to the loan on their own schedule thereby forcing me to continue to incur added interest while at the same time they are just able to sit on my money without any added return or benefit for me? 
I have provided a PDF of all payments that have been made every 2 weeks going back to XXXX/XXXX/2014.

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 04-06-2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My complaint is about XXXX company sending me a bill stating that I owe them money for their services and that I was under a contract for years to come. But when I first sign up for there services I was told differently. I paid my final bill with them and close out there service. 
Next thing I no I receive in the mail an " RPM '' notice stating that I was in collect. 
I had spoken with someone representing this company and again they suggested that I call " XXXX '' office. The reason why this third party has not been calling me is because I did not give them my telephone number. 

RPM stand for Receivables Performance Management LLC.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Since around XXXX 2017 I have been communicating with Suntrust Bank and I made them aware of the situation regarding my account. The Suntrust account and the vehicle financed with the Suntrust loan was ordered to be paid my my ex-husband but he failed to finance the car and pay off the account as ordered by the court. Since my account was late several times because of this I decided to contact XXXX to have the vehicle repossessed by the, sot hat they can get their money back. Me and my husband spoke to XXXX repossession department and provided them information about the whereabouts of the car so that they can reposes the vehicle and sell the vehicle, Since our first contact with Suntrust we explain the situation and explained then that we were trying to settle the account. The vehicle finally was repossessed and once again we contacted the repo department to have them auction sell the vehicle ASAP since we did n't not want to incur any more charges. however we were told that we have to wait. we obtained the information of the recovery department and we contact them and we were told that we had to wait to settle the account. Once the account finally was at the recovery department we were able to settle the account, the representative stated that the account was going to be reported as paid in full, we agreed to that and we sent the payment to settle the account, however the account is still being reported as " Charged off '' After all the communications that we had wit Suntrust they failed to acknowledge that we were trying to settle the account with them since my ex-husband failed to do what that was ordered by the court, and up to this date my account still shows as charged off when I was told that it will be reported ad paid in full.

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 07/24/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (FL).
Issue: Taking out the loan or lease

Complaint: We had a lease with Ally Bank on a XX/XX/XXXX car. Beginning XX/XX/XXXX ended XXXX. The buy out on the contract was {$19000.00}. Per the bank the car XXXX is valued at {$28000.00}. When we tried to use the equity in the car for trade in on a new car. Ally told the dealer for them to take the car for trade they would have to pay $ XXXX..Becouse of that we could not use our equity in the purchase of a new car. Causing us financial damages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: When I attempted to place a credit report freeze on my account, Equifax WARNED the PIN they would send MUST be used to access ( unlock ) my credit report. 
Their transmittal : Could'nt open PDF So now my account is frozen, and I NEVER received a PIN to unlock it. 

I am dissatisfied to accept Equifax 's offer of one year credit monitoring as I read it is BUNDLED ( in the fine print ) to an arbitration clause. Anyone with a brain understands arbitration is a FRAUD perpetrated against consumers. Which you seem fine with. Tells where your paychecks are REALLY coming from. 

Attempting to place a credit report freeze at XXXX  has been IMPOSSIBLE. 
Online, they as much as call me a liar and refuse to allow a freeze. They then recommend I call XXXX XXXX XXXX XXXX to speak with an agent who will pace a freeze. 
Great. Until you realize they will NEVER answer. I have made multiple attempts, given my SSN, zip code and street address number to their XXXX robot answering machine and then am dumped into a ( never answered ) cue. 

MY data was stolen. Now this breach is being compounded by the relevant credit reporting bureau 's REFUSAL to allow safeguards to be emplaced. 
Please save this communication for referral should litigation become necessary. 

XXXX, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: BEFORE THERE BECAME A BALANCE I ATTEMPTED TO WORK WITH XXXX TO GET THE BALANCE PAID. THEY WERE UNWILLING TO WORK WITH ME. I HAVE EVEN REPORTED THE CUSTOMER SERVICE AND THE HANGING UP ON ME. LONG WAITS ON NUMEROUS SITES AS WELL AS HERE.

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 05-11-2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My husband made a cash deposit of {$1800.00} on  XXXX   XXXX ,   XXXX  . CASH, handed to a teller, counted and confirmed. That evening I transferred the money to my checking account so that I could pay my mortga ge ( our accts are linked but separate ). The bank put a hold on the deposit stating some rule that if a deposit was made after a certain time then it would n't post until the next day, however, had he deposited thru the ATM the money would have been immediately available. That is the complete opposite of previous banking rules! It was cash, handed to a live human being! At any rate, me transferring the money that the bank says was n't there resulted in 5 overdraft fees. The bank has refunded 3 out of the 5, however, that is not acceptable. I believe the bank is participating in predatory practices to steal my hard earned m oney.

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 monetary relief
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and so  I don t owe   XXXX    XXXX   XXXX  anything.   I never had an account go past due with   XXXX    XXXX  this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or  XXXX  anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.    XXXX   XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (IA).
Issue: Loan servicing, payments, escrow account

Complaint: I have contacted Freedom Mortgage Corporation on XXXX separate occasions to remove my PMI insurance since we own more than XXXX % of our home. I have submitted a written request to Freedom Mortgage to remove it. They then requested an appraisal, which I also submitted. However, since I did not use one of their vendors for the appraisal they denied my request. They are now contacting me to try and barrow me more money because they have an " updated '' value of our home. All I want is my PMI removed. The customer service has been terrible. 

Purchase price of home was {$160000.00}, principal as of XX/XX/2016 was {$130000.00}. We are still getting charged PMI.

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 07/20/2015 about Debt collection (Credit card) with Weltman, Weinberg & Reis Co., L.P.A. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX BANK ONCE AGAIN IS IN VIOLATION OF FDCPA AND TCPA ETC ... HAS SUBMITTED UNLAWFUL LAWSUITS TO US AND HAS ONCE AGAIN AUTHORIZED COLLECTION AGENCIS TO HARASS US. THIS DEBT BELONGS TO XXXX XXXX XXXX, XXXX AND EX FAMILY MEMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After obtaining a copy of my credit report I noticed multiple unauthorized inquiries from the same company all around the same date. There a re 3   XXXX   XXXX   XXXX  for 3 days in a row that I did not authorize.  The 2 I am  disputing is  XXXX / XXXX /  XXXX   and  XXXX / XXXX /  XXXX  . I 'm not sure why this creditor ran my credit multiple times. The next  is 2 in quiries for  XXXX   XXXX . The oth er 2 is  for  XXXX  and  XXXX  I am not sure who or what these companies are.     On  XXXX  there ar e 2 inquiri es per creditor. I did not authorize  XXXX   XXXX  to run my credit on  XXXX / XXXX /  XXXX   or  XXXX  on  XXXX   XXXX . I am not sure how these creditors got my information. I called the credit bureaus and was told to contact the creditors directly, I did so and I was informed to contact the bureaus. I sent the creditors certified letters and not  one of t hem has responded but  XXXX   XXXX  for the  one  inquiry  XXXX / XXXX /  XXXX  .     The credit bureau proclaims to have verified I authorized these accounts, I asked them to provide me with the information they used to validate these accounts but my request have went ignored.

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 03/30/2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX Wells Fargo Bank , N.A . foreclosed on a home based on a XXXX reverse mortgage, and the borrower being deceased as of XXXX. However, the home was placed in a living trust as of XXXX, and the mortgagee did not have authority to remove the home from the trust. On XXXX XXXX, XXXX the beneficiary of the trust contacted Wells Fargo to inform them that the home was placed in an irrevocable trust in XXXX, and Wells Fargo responded that the loan did not originate under a Trust Agreement. Well Fargo is intentionally disregarding the creation and continued existence of the XXXX trust agreement, as they know the trust invalidates their reverse mortgage and the debt. Regardless of whether the loan was originated under the trust agreement, the trust agreement preceded the reverse mortgage 's origination. It came into existence in XXXX as an irrevocable trust, continues to exist and can not be dissolved. Wells Fargo admits that the trust prevents the loan from meeting FHA Investor guidelines and XXXX XXXX XXXX XXXX. Yet, Wells Fargo continues to attempt to collect an invalid debt.

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