milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: In XXXX of last year, I opened a Citigold checking account that had a promotion offer. The promotion code is XXXX which outlines conditions to meet to get XXXX Aadvantage points. I met those requirements in XXXX 2016 and confirmed with Citi through Secure Message that I met the requirements. The secure message stated that my miles would be credited no later than XXXX/XXXX/16. That passed and I called up Citi to find out the status of my points. They started an internal investigation and came back saying that I qualified and would need to call into provide my Aadvantage account number ( this letter was dated XXXX/XXXX/16 ). I subsequently called in to provide my account number. They informed me that it would take 48 - 72 hours to process the transfer. For the last six weeks, I would secure message or call in to Citi 's customer service line to ask for a status update on my points. Each time, I was met with confusion as they did not know what happened and they would send an inquiry to their " back office '' with high importance. After six weeks, I am fed up with Citi 's unprofessional treatment and therefore am filing a complaint with the CFPB.

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 04-04-2016 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: XX/XX/2015, I opened a Money Market Account with Santander Bank and was told by XXXX different bank managers that the account would earn .90 %. Each month I have logged on to the bank 's web site ( which has continually advertised .90 % ), to deposit additional monies to that account. When I received tax information regarding the interest earned for 2015, I began to question whether I had in fact been getting .90 %. I spoke with the local branch manager and was told that .90 % was a promotional rate, that I received for an unspecified amount of time, and now this account was earning .40 %. At no time was I told this was a promotional rate, nor was I told that the .90 % rate would apply for a limited time only. I could not find any information to that effect on their web site. In fact, Santander has continued to offer the same .90 % rate all this time. I feel that this is unfair and deceptive advertising. I would not have put my money into their money market account had I known the rates would change at an arbitrary point in time unknown to me. Furthermore, at no time was I given access/information as to the actual interest rate the account received. I feel that they were not clear in their business practices and they solicited my business under false pretenses.

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
Consumer complaint received 09-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SUNTRUST BANKS, INC. (VA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Check fraud with XXXX XXXX Check ordering via SunTrust confirmation numbers XXXX and XXXX. I was informed that the checking account could not be verified. 
However, a withdrawal was made in the amount of {$100.00} on today XX/XX/XXXX with SunTrust to conceal fraud and consecutive SCRA violations ( civil penalty with the Social Security Administration for appointment scheduled on XX/XX/XXXX at XXXX XXXX ) with XXXX XXXX XXXX due to release of information. Also, the withdrawal was made with SunTrust upon knowledge of denial of legal services with XXXX XXXX due to slander of XXXX harassment by XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have a recording of the conversation from my criminal case with the City of XXXX back in XX/XX/XXXX. The recording will be presented at my next therapy session on XX/XX/XXXX at XXXX XXXX with XXXX. XXXX & XXXX fraud in the amount of {$2.00} million with SunTrust and XXXX XXXX. XXXX XXXX, XXXX XXXX 's XXXX, and XXXX XXXX XXXX XXXX ( Net worth is {$14.00} million, alleged report of {>= $1,000,000} is false due to investigation of fraud with XXXX XXXX ) have been bought out by my entity as sole proprietor of XXXX 's XXXX & XXXX XXXX due to income tax fraud in the amount of {>= $1,000,000}. Recall fraud with SunTrust for VIN XXXX. TCPA violation in the amount of {$250000.00} for release of false information due to knowledge of my stolen identity since XX/XX/XXXX. IRS and XXXX Patent infringement violation in the amount {$4.00} million. XXXX XXXX is the premise of the {$330.00} civil penalty with SunTrust due to using XXXX on XX/XX/XXXX to conceal life securities fraud with my maternal grandmother XXXX XXXX 's insurance with XXXX XXXX. My Underwriting Formal Disclosure was notarized on XX/XX/XXXX due to this financial deception. My Capital Leverage Report/UCC-3 Statement/XX/XX/XXXX Dividend History adjustment of .1 was notarized on XX/XX/XXXX due to this financial deception. The XXXX Dividend History adjustment of .1 was used for XXXX fraud with XXXX XXXX University.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I ordered a credit reporting product from EXPERIAN called credit check total. There was a {$1.00} fee which I accepted. Then AFTER signing up they informed me that after 7 days I would be billed monthly beginning on XXXX/XXXX/XXXX at {$29.00}. On the account itself they provided no convenient means of cancellation. They require you to call a number. The problem is that each time when I called yesterday I was told I would have to wait AT LEAST 1.5 hours to 1.75 hours to speak with a person about cancellation. I do n't have 1.5 at least 1.5 hours to sit around waiting to ask them to not renew my membership. So, yesterday I sent them an e-mail to XXXXXXXXXXXX with my membership information and requested that they cancel my membership immediately. Instead, this morning they charged me {$29.00}. I then attempted to call them to dispute the matter. The system said I would have to wait AT LEAST 30 mins. I thought at least I can make breakfast and do some chores while I wait. I waited for over 1.5 hours before hanging up! The goal of the whole practice of making you call seems to be to allow them to renew your subscription indefinitely because at this point I 'm not sure anyone actually answers their " customer care '' line.

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 05/17/2017 about Mortgage (FHA mortgage) with PNC Bank N.A. (MI).
Issue: Struggling to pay mortgage

Complaint: I have had a mortgage for nine years. I was divorced in XXXX 2016. This whole last year my ex XXXX XXXX XXXX XXXX XXXX and has sqatted in the house without allowing the two sales for over full price. I kept this bank up to date on everything from day one about his XXXX and a court ordered XXXX That it was handed over to our lawyers to iron out any issues with this banks lawyers but to no avail. Then the bank said no to court ordered in deed of lieu to protect me from his deliberate attempts to ruin me. They screamed at me to pay all overdue funds when I was in hiding for my safety not saying anything to my ex who had been fired again for illegal behavior. This bank only protects those who do wrong and punishes the responsible home owners. All of our conversations where recorded, with bank employees screaming at me. It is now in a redemtion period and I was just qualified for a better rate and full mortgage but the mortgage division stated that my lawyers protected him and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My vehicle was repossed at 17 days with out notice. When I finally located my car I called with confirmation of payment and I was informed there system was down because the system was down I could no retrieve my car. I had to wait until Monday there system was working I had to pay more storage fees and drive over two hours away to pick up the car from an auction lot. The finance company refused to work with me on removing the reposition from my credit as a sign of good faith since I have been making my payments on time and also there was the issue with the computer system please is there anything that could be done I 'm trying to rebuild my credit and this is causing a lot of problems for me.

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 12-11-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Marlette Funding, LLC (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have a loan with a " company '' called XXXX XXXX - which was advised by XXXX XXXX to consolidate my credit cards. I have asked repeatedly to get my statement online - which have not received - have been told by this " company '' that they will send to me in the mail, the mail service here is horrible. Sometimes do n't get mail for 2-3 days - very unreliable. Do not understand how a company can not offer statement online. Also, this company originated in another state and after checking my correspondence from them, there are several companies located in XXXX XXXX, IL, XXXX XXXX, TX and also in Del. I do n't have a very good feeling about this company - since I can not even get a statement on line to know what the balance of my note is - very uncomfortable not knowing who or what I am dealing with. When I made this loan, it was online and approved for over {$7000.00} - have made multiple payments and never received any email or acknowledgement that the payments were received. This was do n't through the mail - at a much earlier time. Please look into this company - I will give you all the background on it I can - they are very secretive about their addresses, just XXXX XXXX. I am a widow and XXXX years old. Please do n't let me be swindled out of what I thought was an honest company and was trying to get my head above water. I see on your site that there have been other complaints about this company. Please investigate this company and it 's affiliates - there seems to be something fishy about them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the recent changes to law, effective XX/XX/2017 Public Record data reported must include a minimum of name/address/SSN/ and date of birth in order to appear on a credit file. The credit bureaus haven't updated/reported this info and per the law Bankruptcies don't include this info and this should be removed promptly from my report.

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 09-08-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I received a notification from US Bank telling me that there was an address change on my business account and to call them immediately if I did not request an address change. However, when I called US Bank, the customer service representative told me that they had closed my account. She told me that usually they would send a notification, but I never received any notification of them closing down my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Debt Recovery solutions dated  XXXX / XXXX /   17  stating that i owed them, however, the current creditor is  XXXX   XXXX   XXXX   XXXX , and the original creditor is  XXXX   XXXX    XXXX   XXXX  .   On  XXXX / XXXX / 17 , I sent  Debt Recovery  Solutions a certified letter requesting that they validate this alleged debt, however they have failed to do so and they continue to report this alleged debt to the credit reporting agencies.   On  XXXX / XXXX / 17 , I received a letter from  Debt Recovery Solutions d ated  XXXX / XXXX / 17  with a bill from  XXXX   XXXX   XXXX   XXXX  showing a balance {$0.00}. They have not provided me with any legal documents about this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (I do not know) with Oracle Financial Group LLC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Apparently, Oracle ( XXXX ) XXXX has contacted my employer numerous times explaining that I have an important legal matter. They have also called my church, my neighborhood association, and parents. This is a lot extreme!!! When asked to discontinue, they insisted on verifying my social security number. They were very hostile! I have verified with credit and court records, and neither has me owing a 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 non-monetary relief
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In reviewing my credit report, I notice d a Hard Inquiry f rom  XXXX   XXXX  on    XXXX   XXXX     2016. I ma de no attempt to apply for any credit through   XXXX   XXXX  , and in my attempt at mortgage financing I was lead to believe that the number of inquiries on my account contributes to lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I cancelled service with XXXX till I returned from a trip and requested it to be reinstated. XXXX was sold to XXXX within in the next few months and filed a claim to enhance their financial books. 
This happened several years ago and XXXX has sent XXXX different collection agencies after me aiming to harm my credit. XXXX is apparently as corrupt and lacks business morals as XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-11-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a copy of my XXXX credit report and disputed the following items in writing on XXXX XXXX, XXXX via return receipt mail to XXXX that I did not recognize. 

1. Previous address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Reported XXXX 2. Credit Account Number XXXX XXXX XXXX XXXX {$1800.00} 3. Credit Account Number XXXX XXXX XXXX {$1800.00} I also mailed a dispute letter to both Jefferson Capital and XXXX via return receipt on XXXX XXXX, XXXX. I have attached a copy of the letter to Jefferson Capital. 

On XXXX XXXX, XXXX, I received a confirmation result letter from XXXX  that they are deleting all three disputes. I have attached a copy of this letter. 

On the same day, XXXX XXXX, XXXX, there was a letter delivered to our address to the attention of a XXXX XXXX from Jefferson Capital regarding the {$1800.00} debt. The letter states that they must be notified with 30 days after receiving this notice to dispute it and enclosed a form to complete personal information including your social security number. It also says that unless I notify their office within the 30 days that their office will assume this debt is valid. 

I am officially filing a complaint against Jefferson Capital to stop all communication. XXXX has already deleted my disputed items and I am not familiar with an XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Equifax has received written notice, including signed Bank Notarized Affidavits to Never add a Fraud Alert, however, Equifax keeps adding Fraud alerts intentionally stating I requested a fraud alert which is a Blatant lie. Equifax blatantly Break the XXXX daily without Any repercussions from the Federal government! Requested on XX/XX/XXXX, and now XX/XX/2017 a security freeze waiving the {$XXXX} fee by submitting a police report and they are giving me the Run around that they have n't recieved the documentation. XXXX and XXXX received the same documentation and added a freeze immediately. I want the CFPB to keep this case open until this matter is stated resolved. Equifax keeps stating they automatically add XXXX alerts even though they have the attached letter requesting to Never add any Fraud alerts to my account without my consent otherwise they are violating the federal law. Additionally they need to sent a complete copy of my credit report by mail. To make sure my information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I graduated with an XXXX in XXXX. I learned about the Public Service Loan Forgiveness program around XXXX and spent time researching about the program. I continued to research online over the past 10 years, as there were many forms and changing web pages to read through. I began working with low income families in a XXXX XXXX   in XXXX. As a single mom, I was counting on the PSLF as part of my career of service and retirement plan. On XX/XX/XXXX, my employer submitted an Employment Certification Form at my request and by the end of the month I received a letter from XXXX detailing that I had no eligible loan types for the loan forgiveness program. Unfortunately, through all the research and loan repayment plan applications I had completed over the years, I did not get the correct information to qualify for PSLF. Apparently, my loan types, FFEL, were phased out around XXXX and replaced by XXXX   XXXX. The only option I had was to consolidate my loans into XXXX XXXX. Now my ten years of service starts over and I don't even know if the loan forgiveness program will still exist in XXXX. Both my loan servicer and PSLF Program were not looking out for me. Maybe I could have gotten the correct information about qualifying for loan forgiveness if I would have known what specific question to ask, as I am a resourceful person ( I find information about community resources for a living ). I feel tricked by fine print.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NE).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom mortgage received double payments on my monthly loan. When I realized what was going on I asked them to stop pulling payments as I had payments already pulled for my loan. I asked for the additional payments to be refunded back to me. The customer complaints escalation team confirms 3 bi-weekly payments were duplicated. However each time I call in - NO one will give me a number to call them back and NOONE has a direct line or an extension for me to call back to. Each time I have called I speak with anyone new. each time we have the same conversation ... they want to only reimb me 1 payment. Each time it always concludes with yes they owe for 3 bi-weekly payments and that the money will be mailed. I wait, after NO refund -I call back in and start the complaint all over again. NO notes are placed in my file, No one that I talk to has a direct line or even an extension for me to call. They all promise to expedite the refund, but no payment is recieved. I started this process on XXXX XXXX! on XXXX XXXX I was given only a portion of the full refund owed me. Again when I called, I was told they first show no refund, then they will pay one and then this last time they need my XXXX payment in full before they can reimburse the " additional " payment that has been on my account since XXXX. I feel I have been patient long enough. I also feel that if I were late on my payments I would be charged interest and a late fee! My bill stated if my payment is not received by a certain date I will be assessed a {$42.00} late fee. I now think they should pay me interest as well as a late fee for the days I have waited for my refund.

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 11/28/2016 about Credit card () with Alliance Data Card Services (VA).
Issue: Unsolicited issuance of credit card

Complaint: XXXX is issuing credit cards without proper disclosure and is not informing customers about APR. I visited their store on XXXX in XXXX VA and the associate submitted a credit card application without informing me about the terms and conditions of the card and i thought i was getting a store XXXX card and not a credit card,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX servicing and XXXX remain on Equifax report after several complaints filed with Federal Consumer Finance and over XXXX documents, filed proving fraud and theft. 
Please also find pictures of documentfiled. in the XXXX th district court XXXX Pa XXXX XXXX person. for XXXX seperate banks XXXX of them being bankrupt at the time this was posted. please. 
Note that XXXX XXXX XXXX was never listed as having a right to collect this morgagealso note the expired notery stamp by 3 years. 
also Please note that XXXX XXXX XXXX who collected my morgagevpayment

Company response to consumer: Closed with explanation