milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (SC).
Issue: Account opening, closing, or management

Complaint: I opened a SunTrust checking on a promotion. {$250.00} Half if you deposit {$100.00} within 14 days of opening and the other half when you maintain deposits. I will include correspondence, but what it boils down to is I was deemed ineligible. I began to investigate and saw a discrepency on their promotion details. SunTrust clearly in print says 14 days. 
I have always understood banks and businesses to use " business days. '' Well I would have qualified for the promotion had it been " 14 business '' days. SunTrust said " we meant calendar days. '' Which is represented no where in their promotional document in plain public viewing eye. I kept following up and asking for clarification and I kept getting the same ineligible computer generated CSR response. I finally spoke to one CSR and I was " put on hold '' while they read the XXXX paragraphs of the promotion detail and then " click. '' I called back and spoke to one of the execs XXXX XXXX or XXXX and I could n't connect with her, she just left a generic response for me of my ineligibility. I spoke to another exec that agreed to present my pointing out of SunTrusts vague and imbiguous promotion terminology, still SunTrust says I am ineligible. I went to XXXX page and voiced my opinion. Still to this second, SunTrust is unwilling to admit that they have misleading advertising terminology and that it is open to interpretation and not specific. I am asking that they show me banking policies where " days '' are used in the banking world for transactions as opposed to " business days. '' Then a representative responded to my XXXX post and said " all transactions mean days unless otherwise specified. '' Again they proved my point. Their " disclaimer '' does not appear on the actual terms of the promotion. I interpret banks as using " business '' days, not " calendar days '' when I do transactions with them. I feel they should honor the promotion and deposit the funds into my account. They are in error. Their advertising department is responsible for the open-ended, vague communication of their promotional terms. Why should I be penalized for that? In all, I have proof that my funds left my XXXX in time to qualify also, but for whatever reason, SunTrust kept saying it was n't there until it was too late. Also let 's not forget that Monday, XX/XX/2016 was XXXX and all banking institutions were closed. So my money being delayed was not my fault, it was due to banking day holiday. 
I want them to admit their advertising is ambiguous and prove to me that banks use loose terminology when making contracts and doing business. I just want to see it in writing. I would also be satisfied with a code of laws to search to see where banks use days as opposed to business days.

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 10/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I contacted the Credit Bureau, requesting validation of the Bankruptcy, because I did not file a bankruptcy. I was sent back a credit report stating that the bankruptcy had been verified by the XXXX Court ( but no documentation to support that ) and if I had questions to contact the XXXX Court at the address listed on my Credit Report. I sent a letter to the XXXX Court requesting they 're procedure for verifying information with the Credit Bureaus and they sent me a letter back stating that they do not report to any of the Credit Bureaus.

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 06-12-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Wells fargo is not allowing XXXX XXXX access my account information.

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 05-02-2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I am working with a lawyer to attempt a loan modification and the most recent documents from the mortgage company states " account was reviewed and denied for loan modification on XXXX/XXXX/2015 due to debt to income ratio out of acceptable guidelines. Account currently no longer being solicited due to Cease and Desist placed on the account ''. 
Neither my lawyer or I am aware of where this statement originated from because I have been working with them for months to resolve this modification issue. Any assistance you can provide would be very helpful in working with my lawyer to acquire a loan modification on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX has placed mortgage loan on my credit account number ending in XXXX this belongs to my father at the same address. I have asked several times for it to be removed. All three credit agencies refuse to move the information. yet fail to provide me with any validation of the loan. Recently, I sent each agency documents showing the loan ending in XXXX was not my loan. That I had another loan with my father ending in XXXX ... I sent them copies of the original documents of both loans.. They still refuse to remove the XXXX credit from my file and still provide no hard evidence as to why. I have been sending letters since the beginning of XXXX. To both the credit agencies and to XXXX XXXX XXXX and I am getting no where. Transunion - Dispute Results From TransUnion TransUnion received your request on XXXX XXXX, 2016 and completed their investigation on XXXX XXXX, 2016. Please review the results carefully. 

Result : Based on your dispute request, TransUnion has included new information on your TransUnion credit report. 

If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to TransUnion at the address below, along with any supporting documentation. You may also request that TransUnion add an explanatory statement of XXXX words or less to your credit report. 

Account Name Account Type Open Date Status Balance XXXX Mortgage This is at least the third time I have disputed this information with Transunion especially and with XXXX XXXX XXXX as well. Where do I go from 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 04/20/2017 about Student loan (Federal student loan servicing) with Student Loan Processing Direct, INC (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have paid the company almost a {$1000.00} to be enrolled in the federal student loan forgiveness program. I then call the federal government and they stated that I was never enrolled in this program. The federal government also stated that I had missed three months of payments and that I was going to be sent to collections if I did not pay the amount due. I was told by Student Loan Pro that I did not need to pay the federal government (  XXXX   XXXX   XXXX  ) anymore because now Student Loan Pro was handling my loans.  Student Loan Pro  stated they would not give me back any of the money because they did get me on an income based driven loan forgiveness program and reconsolidated my loans, but they DID NOT enroll me in the ten year loan forgiveness program. THE MOST IMPORTANT PART!!!! This company is a farce, they only collect your money, they do not help with loan repayment and they do not provide the services they promised. I do not recommend them.

Company response to consumer: Untimely response
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: i never authorized them to track my credit, yet am responsible for any effects of their credit breach and must pay for any freezes to attempt to protect my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (DE).
Issue: Deposits and withdrawals

Complaint: I was informed by an official of the bank ( Citizens Bank XXXX in Delaware in XXXX 2013 that since I have my XXXX-weekly check direct-deposited into XXXX of my accounts, I will not incur any charges whatsoever regarding balances etc. but surprisingly, the bank has stealthily resorted to charging over $ 4 monthly for almost a year claiming the balance on XXXX of my accounts is less than {$200.00}. This is quite deceptive and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Student loan (Non-federal student loan) with CL HOLDINGS LLC (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On XX/XX/XXXX, I borrowed XXXX from XXXX. Apparently in XXXX my loan was sold to Jefferson Capital and I was not notified. Jefferson Capital filed a judgement against me. They claimed on the judgement paper my loan had been in default since XX/XX/XXXX and my last payment was XX/XX/XXXX. On XX/XX/XXXX it was sold to Jefferson Capital. I was never notified of the new lender and now I have a judgement against me for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am being contacted by Conn 's Home Plus. They Start calling shortly after XXXX, if I do not answer the first time ( I am working ) then they will call again back to back. I have sometimes received as many as 40 calls in a 24 hour period. The number I listed is just the most current number they call from. There are more, many more numbers. I understand I owe this debt, but they start calling when I am only 1 day late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2015 about Credit card () with PAYPAL HOLDINGS INC. (WY).
Issue: Unsolicited issuance of credit card

Complaint: PayPal illegally signed me up for an unwanted online credit. You can see the same situation has fined PayPal XXXX here : XXXXThis is exactly what happened to me : '' Enrolled consumers in PayPal Credit without their knowledge or consent : The CFPB alleges that the company often automatically enrolled consumers in PayPal Credit when those consumers were signing up for a regular PayPal account or making purchases. The company enrolled other consumers while they tried canceling or closing out of the application process. Many consumers ended up enrolled in PayPal Credit without knowing how or why they were enrolled. They discovered their accounts only after finding a credit-report inquiry or receiving welcome emails, billing statements, or debt-collection calls for amounts past due, including late fees and interest. " I am furious because this is a sleazy way to get me to open a credit line. The normal payment button was changed to " PayPal Credit '' and I could not select another payment option. I selected this option and then canceled. I was then able to use a drop down to opt out of PayPal Credit and use the normal PayPal Balance for the payment. This auto-opt in to open a credit line is an abuse. I closed the credit line XXXX minutes after it was opened however this will affect my credit score. PayPal credit representatives informed me that a hard credit pull was performed to approve the PayPal credit line. This is NOT okay. I now have to go through a 60 day process to plead to the Credit Bureau to remove the hard credit check from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Mortgage debt) with JPMORGAN CHASE & CO. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: JP Morgan Chase in XX/XX/XXXX recorded an assignment, a false conveyance to XXXX XXXX trustee to XXXX XXXX Trust XXXX placed in my land County records. ( see attachments ) XXXX XXXX and XXXX XXXX remic Securities have been in compliance and Silent with Chase and XXXX XXXX Trustee unfair and wrongful egregious acts. A summary judgment was entered on XX/XX/XXXX and a final Judgment of foreclosure and sale signed on XX/XX/XXXX.This was done by the way of deception and misrepresentation. A sale is schedule for XX/XX/XXXX. I have contact XXXX XXXX overtime and recently on XX/XX/XXXX I have sent them a request asking for XXXX XXXX XXXX XXXX to answer some of my claims. Emails were sent to XXXX and XXXX at consumer contact center loan delivery and operation services support team from XXXX XXXX XXXX inquiries. Since then I have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My bank reduced my credit limit based on information from Experian. I immediately pulled a copy to see no issues and a score XXXX points higher then what they received. However, the bank says they are using a Vantage Score. Apparently, bureaus give consumers a FICO and use that on their credit monitoring programs. I have asked for the Vantage Score as well via mail. A consumer CAN NOT obtain this on the website and they have no option to speak to a person to address this Vantage issue at their phone number. How is this fair credit reporting?

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 11/18/2016 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Unsolicited issuance of credit card

Complaint: I applied for a care credit account XX/XX/2015 for XXXX. That account was not closed but was paid off. On XX/XX/XXXX I recirved a care credit master card in the mail. Called to inquire because I had never ordered or requested a card. The representative advised me that this account was open for me and card sent because they upgraded my account to a MasterCard. I was surprised to hear that I had XXXX accounts open with them. As I only opened XXXX last year. When questioned, the representative advised me that this second account was opened for me last month. I cancelled XXXX accounts. They were not authorized to open that second account. I am upset by this it appears an employee may have opened this fraudulently without my knowledge. In addition, I was not aware a card was coming so someone could have taken my mail and activated it. This is a very sketchy and unsafe practice. I would appreciate if someone could look into Care Credits business practices for opening accounts.

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 10/20/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (SC).
Issue: Managing, opening, or closing account

Complaint: Received a replacement card from Rush Card and can not activate my new card. Rush Card has been stating for the last 11 days that their system is down .... It is nearly impossible to reach somebody over the phone and when I do I get hung up on or told nothing we can do and we do not know when the issue will be resolved. Rush Card also does not respond to my e-mails either. Terrible service!

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am part of the Equifax breach. I feel like I should be given 7 years of free credit monitoring by the company. I also would like to be able to remove my information from their database since they clearly can not be trusted with it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NV).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to complete a deed in lieu ( DIL ) with Wells Fargo Bank and just do n't seem able to conclude this. 

We tried to do a short sale with no luck and we 're finally able to get Wells to do a DIL with us. We signed the DIL agreement with Wells Fargo XX/XX/XXXX with an agreed vacate date of XXXX XXXX, XXXX. As part of the DIL with Wells Fargo they also agreed to settle a XXXX we had with XXXX and pay them ( XXXX ) {$12000.00} to settle. 

We vacated the house on XXXX XXXX, XXXX and did not sign the closing paperwork with Wells Fargo until XXXX XXXX, XXXX ; this is after Wells was a no show for the closing on XXXX XXXX. 

As of last week we have still not received final closing paperwork from Wells Fargo, the home is still in our name and the {$12000.00} payment to XXXX for settling the XXXX has not taken place. We also continued to pay the utilizes on the house until XXXX XXXX, XXXX at which time we stopped paying the gas, electric and water ; was not able to stop paying for trash service as the house is still in our name. 

We have representation from a local attorney and he is trying to get this resolved as well. 

Any help you can give us with this would be greatly appreciated.

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 05-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I sent in a signed affidavit from a process server and sent it in and nothing has been done and my credit score is bad now.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion, shows me owening a debt to XXXX, XXXX, debt is not mind, I have contacted XXXX which states that I DO NOT OWE them a debt. Upon Contacting Transunion, They state that another company has filed on XXXX XXXX behalf.

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 06/18/2015 about Debt collection (Medical) with Renton Collections Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have requested Renton Collection XXXX to provide me with written statement of my debts via mail or email, they have refused to email it to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient .... do I need to say more!   They have harassed our EX-in-laws to death!  XXXX  &  XXXX   XXXX .    XXXX . The  XXXX  are now threatening legal action against  US!    YES! My daughter  XXXX   XXXX  -  XXXX  owes this company LOTS of student loan money. She is an UN-employed  XXXX  living  XXXX  knows where!   When she was employed she made her payment timely. When she was n  't, Navient would n't work with her for a repayment plan - without her co signers last 6 mos. of bank statement and paycheck stubs!!!!! WHY would they need MY financial history when SHE is willing to re-pay?? I am in bankruptcy and my house is in foreclosure. I am on a medical leave and have n't received a paycheck in 5 months.
You cant get blood from a turnip! If Navient practiced   the same repayment plan as ANY federal loan  - Meaning Federal  loans in repayment are so easily negotiated.   Instead Navient hounds, humiliated and harasses!

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Judgment XX/XX/2012 {$0.00} XXXX : XXXX XXXX XXXX XXXX showing up on my equifax report and has been paid off and closed

Company response to consumer: Closed with explanation