milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Using a debit or ATM card

Complaint: I 'm no longer an account holder of SunTrust. I used to be until I realized how unethical of a company that is. Let me explain to you why I believe this : For years, SunTrust advertised and promoted in big letters their XXXX XXXX debit card. With that card, an account holder could earn XXXX mile for every {$1.00} spent ( for debit and credit card transactions ). SunTrust even advertised that they would not put a cap on a cardholder 's ability to earn miles. 

Over the past XXXX months, SunTrust must have reviewed their debit card portfolio and what they did as a result of their review is shocking : They closed all account holders who had earned above average number of miles regardless of the types of products they purchased, regardless of the length of their relationship with SunTrust, and regardless of the amount of money in their checking accounts. I know of at least XXXX cases where SunTrust contacted XXXX XXXX to have the miles in the cardholder 's account reversed!!! 

SunTrust is clearly engaging in what is commonly referred to as " bait and switch '', a marketing strategy of getting customers to sign up for a product ( that, by the way, carries a yearly fee of {$75.00} ) and then, once a certain number of miles are earned, the account is closed. This is unacceptable and a regulatory violation. 

If SunTrust does not immediately stop closing accounts and reversing miles already earned, I 'll notify a well-known XXXX XXXX lawfirm to pursue a class action lawsuit against SunTrust and its XXXX and XXXX individually.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Bank account or service ((CD) Certificate of deposit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: My wife recently passed away and she had a CD at Bank of America in her name only. I have gone to the state probate court and received a ruling that granting me, the surviving spouse, ownership of the CD. I have submitted a copy of this ruling and a notarized form to Bank of America 's Estate Unit in order to gain ownership of the CD, yet the Estate Unit continues to delay releasing this account to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (PA).
Issue: Application, originator, mortgage broker

Complaint: We had a Home Equity Line of Credit with XXXX XXXX. XXXX XXXX sold the loan to SLS - Specialized Loan Servicing LLC. The loan was to mature in XXXX 2016. We received a letter to that effect giving a 90 Day Notice. We contacted SLS to ask what needed to be done to apply for a Loan Modification. We filled out all required forms and sent all requested documentation dated XXXX/XXXX/2016. Time went by hearing nothing. Finally I phoned. SLS informed me I would be receiving a letter stating the missing documents they needed. I did receive the letter dated XXXX/XXXX/2016. It stated " Documents still required from you : '' Which was for " XXXX XXXX XXXX - Income Type - Income- Employed / Required Documentation - Paystubs XXXX OR- Paystubs and Tax/Returns/Tax Transcripts. '' The rest of the letter showed " Document Status : '' of which all the rest of the Documents submitted were shown to be " Complete '' under " Status '' column and under the " Next Step '' column was shown " No action needed ''. I faxed to them the requested documents ASAP. Time went by again, hearing nothing. I then phoned - again. They informed me they now needed more recent bank statements, of which were shown initially as " Complete '', Retirement - Proof of Receipt which was also shown in XXXX/XXXX/16 letter as " Complete '', and Social Security - Proof of Receipt, which was also shown in XXXX/XXXX/16 letter as " Complete ''. I again faxed this information to them XXXX/XXXX/2016. I continued to hear nothing. I phoned XXXX/XXXX/16. SLS again asked for Retirement information. I told them this was sent and I felt they were dragging this Loan Modification application out and someone did not know what they were doing. The SLS agent then informed me there was nothing they could do anyway because this loan is now " matured and due ''. I stated " what do you think I am doing all this paperwork for?! I am doing this because you people instructed me to complete the paperwork and send all documentation for the purpose of a Loan Modification because of a change in our financial situation and we are unable to pay the balance owed on this loan at this time. Therefore, at the time we received the 90 day notice, we contacted SLS to see what steps could be taken due to being unable to pay the balance because of a fire and financial changes to our lives. We feel there is something radically wrong here with this company in the way they are processing Loan Modifications. There is certainly something wrong in the way they are processing ours. I finally did some research and found there is complaint after complaint as well as a Class Action Suit in XXXX Can you please help us. We are Senior Citizens and do not know where else to turn to.

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 05-04-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was reviewing some of my old student loan documents. I did not find documentation for th e tworemaining loans with Nav ient. I requested the promissory no te. Navient sent me a promissory note with incorrect information and the note did not include a signature. The signature box was simply marked and a notation made that electronic signature was on file. I requested additional information from Navient including proof the loans belong to me ; to date I have received no documentation. In an effort to avoid these accounts affecting my credit, I make on-time payments every month and will continue to do so until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Bank account or service (Checking account) with PNC Bank N.A. (IN).
Issue: Account opening, closing, or management

Complaint: On or about XXXX XXXX, 2015 I had a teller assist me in closing my checking account. On XXXX XXXX, 2015 I determined PNC had accepted an automatic deposit on my behalf. I returned to the bank and spoke with XXXX XXXX. He zeroed the account and " closed '' it. On XXXX XXXX, 2015, I determined that PNC had once again accepted a deposit on my behalf and had also returned an automatic debit on my account as Non Suffic ient funds as opposed to " closed account ''. On XXXX XXXX, 2015, I went to the bank and again spoke with XXXX XXXX, explaining I needed PNC to reject the automatic deposit so the deposit would default to a different account. XXXX XXXX entered into the system a No Debit or XXXX to the account. He also agreed to refund XXXX of the XXXX service fees. XXXX XXXX stated he would need his manager, XXXX XXXX, to authorize the refund and did not foresee any problems. I left PNC believing the issue was resolved. Later that day, XXXX XXXX telephoned me and stated XXXX XXXX would not authorize the refund of the service fee. After speaking with XXXX XXXX, I contacted the office of the Comptroller of the Currency, U.S. Department of the Treasury. The representative referred me to the Consumer Financial Protection Bureau. I spoke with a representative of CFPB and determined I should file a complaint. On XXXX XXXX, 2015 I informed XXXX XXXX of my intent to file a complaint if the issue was not resolved. XXXX XXXX said he would once again talk with XXXX XXXX on my behalf. He telephoned later and stated XXXX XXXX would not authorize the transaction. It is my understanding a closed account means no transactions to the account. If I am incorrect in my understanding, I would like someone to explain to me the definition of a closed account. If I am correct in my understanding, I would like to know why items were posted as NSF as opposed to Closed Account and have the service fees refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2018 about Debt collection (Other debt) with JNR Adjustment Company, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX began calling me 3 weeks ago claiming I had a balance due with XXXX XXXX XXXX ( they have an F rating with the Better Business Bureau ). I had closed my parking account at XXXX XXXX XXXX   at XXXX XXXX XXXX XXXX in XX/XX/XXXX with no monies owed. JNR claimed I owed different amounts to the facility, during the first call they claimed a balance of $ 300+, in another call JNR they claimed it was {$170.00}. 

I experienced bad service while a customer at XXXX XXXX XXXX XXXX : 1 ) XXXX XXXX  could never get my tag to work through the front entrance..I had to enter through the back alleyway ( they never fixed the problem ), 2 ) I returned my fob/tag to the facility and did not receive my deposit back, 3 ) I often found XXXX  employees sitting or leaning on my vehicle when I was parked near their valet service, 4 ) I could not get 24hr access to my vehicle, the XXXX XXXX XXXX was often " on break '' during non-peak hours, 5 ) When I had to enter through the XXXX lobby I was frequently treated unprofessionally and asked questions or denied access ( profiling -yes! ) I contacted XXXX XXXX XXXX directly via email ( my phone call messages weren't routed or returned ). I worked with a representative named XXXX. I forwarded XXXX the email correspondence from XXXX XXXX and XXXX XXXX from XXXX XXXX two representatives that I had previously worked with to close my account. On XX/XX/XXXX, XXXX emailed me acknowledging that XXXX XXXX was going to remove all fees, clear the account and remove JNR 's collection actions. I have this email from XXXX as proof. 

To date - I am still not sure if my account was cleared. JNR has still contacted me. When I followed up with XXXX regarding this matter, she replied that she will leave the account open with JNR and they will be my only means of contact. XXXX at XXXX XXXX will no longer reply to my emails or provide any details. 

JNR has refused to investigate the matter. The last representative I spoke with gave me a non working number to contact XXXX XXXX again. JNR has been unwilling to investigate this matter saying " it is your problem '', all they ( JNR ) have to do is " provide ( a wrong ) contact number to the business ''. 

I am getting the runaround from JNR and XXXX XXXX XXXX, neither company is working on my behalf to clear my account. XXXX  XXXX agreed to clear my account and then didn't follow through. 

This treatment is unprofessional, unethical and possibly illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I DID NOT AUTHORIZE THIS INQUIRY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Our home mortgage was sold in XXXX of XXXX to Freedom Mortgage. Throughout the life of our loan, we paid into an escrow account that paid our taxes twice per year. Once in XXXX and again in XXXX. When the loan was sold, Freedom claimed that our account was set up to only make a single tax payment from our Escrow account, however we have records that indicate in XXXX it was paid in XXXX and again in XXXX. Freedom conducted an escrow analysis in XXXX of XXXX that indicated we had a " projected shortage '' of {$3900.00} dollars. Which was absolutely ludicrous as our taxes are only {$5700.00} per year and we pay roughly $ XXXX/mo towards our escrow account. Every time we tried to speak with Freedom, they said they " would start an investigation '' and would " follow up '' with us or we were disconnected or was told contradicting information. XXXX representative told us that the {$3900.00} was a shortage from XXXX that they paid for us so that was why we were having to pay it back another said it was a " projected shortage. '' Multiple times we requested that they change back our payment schedule to twice yearly, however they never did and instead broke up the {$3900.00} shortage into 12 month payments for us to " pay back '' which resulted in an approximate increase of $ XXXX/mo to our mortgage. We have recently refinanced with another lender just to be done with Freedom but in the meantime have paid the increased mortgage amounts to avoid late fees/credit reporting as we have outstanding credit and have never missed or been late with a mortgage payment. I 've never felt so cheated about something in my life and Freedom has continued to show poor business practices through our refi sending the wrong payoff amounts multiple times over, which I can only believe was intentional to stall the loan payoff through the end of the year. At this point, the payoff was wired to Freedom today from our new lender, we had to increase our loan amount by roughly {$2500.00} because they did n't send the accurate loan payoff number, they now have over {$5000.00} in our escrow account and we have very little faith that they will return that money within the 30 day requirement.

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 04/25/2018 about Debt collection (I do not know) with Capital Accounts, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello, I have received several calls attempting to collect a debt for someone who does not live in my house or at my number. I have had this number for several years and I have asked Capital Accounts to stop calling and the person does not live at my address and this is not their number. They continue to call. One gentleman insisted he spoke to this person at my number which is incorrect.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit card () with ENCORE CAPITAL GROUP INC. (GA).
Issue: Billing disputes

Complaint: My complaint is against Midland Funding LLC of XXXX XXXX.a credit card company. I received this card I believe around 2002 maybe or earlier. My question is what is the statue of limitations for the state of XXXX for credit card collection and who is in charge of how much these companies are allowed to pile on additional charges. My initial credit limit was {$350.00} with the XXXX withheld for some type of annual fee. Needless to say whenever I have received collection letters from various companies about this debt the cost on this account continues to rise. I have refuted this debt several times. The amount that they are trying to collect is XXXX plus XXXX court charges. Since this account has passed through so many different hands no one seems to know where the additional charges are coming from or they are not willing to find out. What are my rights as a consumer and who can help me with this 14 yr old debt. The company that is presently collecting is XXXX XXXX XXXX, XXXX ( XXXX ) XXXX in XXXX , XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I just graduated from XXXX XXXX. Navient, as I was told when I first had XXXX XXXX services, I had six months forbearance. I even had gotten an email stating that I was " In School '' then the next stage was " Grace '' which generally meant I had to start generating profit as a member of society and get ready to pay back my debt. I have not yet walked acrossed the stage and they have sent me dozens of emails, " ca n't make payment??? Forbearance!!! '' " Ca n't make a payment? Call us we can help!! '' What happen to my grace? I sent a screen shot of the email they had originally sent me XXXX of 2017, and they asked if I was having issues making a payment.. there is no way I can give a cent to something that makes literally no sense! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Repayment issues. 
I was entered into the XXXX program for XXXX years, payments were based on certain criteria and payments were manageable. XXXX ( and circumstances ) have not changed in XXXX years ( I have more debt actually than years past ) and suddenly payments have gone from under {$30.00} a month to over {$300.00}. Seems like Navient 's XXXX program has had a change in calculating their new repayment terms, or I am, again, getting screwed by XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with C&F MORTGAGE CORPORATION (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: C & F Mortgage Corporation and/or XXXX and XXXX XXXX, XXXX XXXX, Virginia including all of it officers, employees, agents, assignees, successors whether past or present failed to provide notices regarding the consent order submitted in the " United States of America, Plaintiff v. C & F Mortgage Corporation, Defendant '' case no. : XXXX dated as received XXXX XXXX, XXXX and filed on XXXX XXXX, XXXX. The Objection on behalf of the XXXX XXXX XXXX XXXX XXXX 's attest to not receiving notices. Please attached to previously filed complaint XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 sent letters via fax and certified mail to have my credit report corrected since late XX/XX/XXXX. I have in return been told these acounts have been verified. I have asked for all supporting documentation that I lawfully am given this right under the Fair Credit Reporting Act 15 USA 1681g. As well as instructed them under said act to not return with " these accounts have been verified '', they have done just that. These accounts are not accurate and are very detrimental to my credit and livelihood asyou credit is a reflection of my character, reputation and credit worthiness. I have also instructed them if they can not provide me with the documentation that they have retained in their files as of that date that they are to delete such account as required under section 611 ( a ) ( 5 ) ( A ) ( i ). Under FCRA 15 USC 1681i all unverified accounts must be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do n't recognize inquiries on all  XXXX  credit burea I filed on  XXXX   XXXX  and  XXXX   XXXX  have not applied for anything on fix income spoke with all  XXXX  bureau or company and nothing is done they continue to say it 's not there problem that a inquiry is facts and thats not correct I 'm just tired of trying to get this correct and no one wants to help me please help me I am trying my best  XXXX  bless you

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 11/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Transaction issue

Complaint: What happened is there was a authorize on my account & the Merchant release it next thing I know you people at American Express are telling me I need to wait an additional 8 more days after it was released by The Merchant I personally feel you guys are con artists the most rudest XXXX that I have ever had to deal with in my life

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Medical debt) with Michael Harrison, Attorney at Law (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I think, not sure, I have a medical bill that went into collections on XX/XX/2014 with XXXX XXXX XXXX XXXX in the amount of {$25.00} and {$84.00} for XXXX XXXX. I have never received a bill from XXXX XXXX  and do not dispute it. I'm simply trying to pay off this debt. if and when I finally get through to this office. They are rude and abusive to the tune of " why did it take so long '' and " whats my problem ''. I looked up this Michael Harrison on the internet and XXXX and found I am not alone with these complaints and I am not truly secure with paying them through the mail or if I do that this will be expunged from my report. I simply want to pay the bill if it is in fact mine. How do I go about this? Their staff is extremely rude and I do not feel that as a senior I need to be abused in such a manor for simply inquiring about this {$110.00} so called debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Improper student loan collection : breach of contract ; fraudulent, deceptive and misleading representations in debt collection ; collection by unfair and unconscionable means ; and fraud. Navient " redisclosed '' and " realigned '' the terms of the consolidated student loan repayment to increase the monthly payment amount after about 14 years of timely payments. No previous payment was ever late, and nearly all monthly payments were for more than the minimum amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Credit Systems continues to attempt to collect a debt that I simply do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation