milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (KS).
Issue: Account opening, closing, or management

Complaint: I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In XX/XX/2016, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. I signed up for the promotion because I was lured in with a bonus promotion that promised - AAdvantage miles would be credited to my AAdvantage account. I had confirmed via chat with a Citi Bank representative a few days after my application that the application will be processed, and that I qualified for the bonus offer of - Miles upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform - or more bill payments for 2 consecutive calendar months. 


After I met the promotion requirements, I contacted via phone and chat to Citibank to confirm this and to inquire when to expect the points to be posted. I was told that my request would be researched. Finally they informed me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was not for this promotion. I am requesting Citi to honor the set promotion. If I was indeed not targeted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not reject it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. They have not acknowledged that if I was not going to receive a bonus it should have been communicated to me during numerous confirmations about the offer. In addition to that they have been charging $ XXXX/month as account maintenance fee on my account. 

It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. I have been a customer since early - and if this is not handled appropriately I will pursue it further with litigation and no longer do business with this company ever again. I appreciate any help the CFPB can offer to resolve this issue in a timely and satisfactorily manner. Thanks.

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 04/30/2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: APR or interest rate

Complaint: I applied for Citi XXXX with XXXX month 0 % promotional APR and charged on the card on XX/XX/XXXX. On the statement with due date XXXX, it stated the promotion would end in XXXX billing periods. Originally I planned to pay off the full balance by XXXX. However, I forgot about it when I made payment on XX/XX/XXXX and there was remaining balance on the account, and only realized when I received the statement with over {$100.00} interest charge, calculated with the regular interest rate of 18.99 %. To prevent further interest charge, I paid the full balance by the due date. Out of my surprise, I received yet another interest charge close to {$100.00}. After calling the customer service, I was told if there was any balance, it required paying the full balance for XXXX months to prevent any further interest charge. 
Afterwards I read carefully on the statements, and realized that when the balance was not paid off on XX/XX/XXXX, Citi started to accrue the interest, not from XX/XX/XXXX, but from previous due date of XX/XX/XXXX. This calculation may be correct if the interest rate of previous month was already 18.99 %. But in this case, the interest rate of previous month should still be the promotional rate of 0.0 %. So Citi actually collected XXXX more month of interest. 
Citi may argue the promotional rate already ended even earlier. That is exactly the trick they play. Unlike other credit card companies that specifically states the date the promotional rate ends, Citi ambiguously states the rate ends in a certain billing period, with no specific date given. So Citi may argue the promotional rate ends at beginning of the billing period, rather than end of the billing period as we customers would assume. 
For people to prevent from making the same mistake, I recommend applying for cards that states clearly when the promotional period starts and ends, and avoid credit cards vaguely describe how interest charge is calculated, so that you will not be surprised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-12-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Funds withdrawn without my consent. Contacted Wells Fargo regarding a monthly withdrawal for insurance we never needed or wanted. 
Withdrawal Start Date : XX/XX/XXXX Monthly Withdrawal : {$24.00} Company Withdrawing : XXXX XXXX XXXX XXXX My financial advocate was going over my checking account and noticed a fee being withdrawn monthly. I told them I could not get out of paying because every time I called Wells Fargo they told me I had to pay this. My financial advisor told me I did not have to pay this.

Never wanted the insurance.Called many times to cancel but they would not listen to me. I contacted Wells Fargo and told them to cancel this ( XX/XX/XXXX ) and they finally did because I told them I was going to place a complaint with the Consumer Financial Bureau. When asked about all the monthly withdrawals being reimbursed, they said they had a recording of me saying I wanted it. I asked for an audible recording of me agreeing to this and they said they could not supply it.

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 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Diversified Consultants continue to harass me about a debt that I have no knowledge of. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this. Not only this, they called asking for my XXXX year old son and when I told them hat my son was only XXXX the man replied " there 's no way that 's possible. Ill find a better number to reach him at. '' They hung up on me and continued to call multiple times after that.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Conventional fixed mortgage) with MILEND, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: I contacted Milend Inc. to ask about the current interest rates they offer on mortgage loans. The individual I spoke with had taken information in order to give me an " accurate quote '' on interest rates. After several weeks I receive a letter from Milend informing me that an application for a mortgage loan has been applied. I never made any intent to pursue anything including an application or loan with the company. I specifically mentioned that I only want to know the current interest rates provided by Milend at the time.

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 12/28/2017 about Debt collection (I do not know) with The CBE Group, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: 1 ) I do not know CBE Group Inc {$42.00} Date Assigned XXXX/XXXX/XXXX # XXXX Retail Unpaid 2 ) I do not know XXXX XXXX XXXX Date Assigned XXXX/XXXX/XXXX {$1500.00} # XXXX Cable or Cellular Unpaid I had Identity theft before.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: After having XXXX XXXX leases in the past years and never being late on payments to them nor any other creditor either in my entire life, Lexus financial has reported me to the credit bureaus for 1 late payment over 30 days. 
They have stated that I did not pay the XXXX 2016 payment and that is totally untrue. 
After speaking with several of their representatives for hours in an effort to resolve the matter and explaining to them that the payment of {$290.00} was made thru their phone automated system ( as always ) on XXXX XXXX, they advised me that they WILL NOT remove the negative information from my credit reports and that they can not help me any further to please not call them anymore. 
They also advised me that they have been trying to contact me at a telephone number that does not exist and that is not a correct statement either, they have my phone number as well as my wife 's phone number in their file which I updated and verified with them back in XXXX 2016. 
Iam not late on my payments nor have I ever been late on my payment to Lexus nor any other creditor either.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: My mortgage loan was sold to Freedom Mortgage.   I refinanced the loan with another lender on  XXXX   XXXX ,  2017 .   My  Freedom  Mortgage statement ( online and received by mail ) shows the loan being paid off in full on  XXXX   XXXX .   On  XXXX   XXXX , Freedom Mortgage drew a mortgage payment from my bank account.   This is after the refinance was completed and my account was paid off.   My  Freedom  Mortgage statement shows that Freedom Mortgage reversed the draw on the same day,  XXXX   XXXX .   However, I did not receive the payment in my bank account, and have not received a check or other payment in the   two weeks since that date.
I have called and talked to their " customer care '' agents, checked with my bank, sent Freedom Mortgage my bank statement as requested showing that the funds were not returned to my bank account, and asked Freedom Mortgage to properly reverse the transaction and return the funds to my account.
Freedom Mortgage is telling me that they need to research what happened to the funds, and that they will have an answer fo  r me ( but will not necessarily return my money ) by  XXXX   XXXX , ano  ther two weeks. I have asked them to return my money while they research what happened to their transaction, but they have refused to do this.
I have been unable to speak to a supervisor or manager. They have repeatedly put me off, telling me the supervisors are in a meeting, the managers do n't get on the ph  one, the cash person they need to check with is at lunch, they will have to call me back.   They have effectively stolen money from my bank account by withdrawing it after my debt with them had been satisfied, and they are refusing to immediately correct this.

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 02-05-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX, my wife and I were involved in a car accident. Due to injuries we both suffered my wifes doctor did not allow her to return when her long term XXXX ran out, she lost her employment. She did however find a job in XX/XX/XXXX. Due to the initial job loss we fell behind on payments and applied for a loan modification. We were approved for the loan modification on or around XX/XX/XXXX my wife had significant XXXX XXXX and was unable to drive the 30 minutes to work, we tried XXXX XXXX, XXXX XXXX and XXXX XXXX. 
Nothing worked to help her with the pain and the doctor recommended XXXX XXXX in XX/XX/XXXX so again, she lost her employment as a result of injuries from the car accident. She was working through a temporary agency so they would not hold her job for her. In XX/XX/XXXX, I was told I had an XXXX in my XXXX due to my XXXX XXXX XXXX in the car accident, pieces of my partial XXXX XXXX broke off. In order to save my leg I had to have my XXXX XXXX, I was on XXXX XXXX for six weeks and then a total XXXX XXXX was done on XX/XX/XXXX. I work construction so I can not return to work for 3-4 months after my final XXXX. All in all I will be off from XX/XX/XXXX- MXX/XX/XXXX. As the primary income earner this is a hardship for my family. I have tried working with my lender and they said they have no programs that can help me since I have had a loan modification. XXXX XXXX said I will be eligible in two years. Meanwhile, we get hundreds of calls a week from Wells Fargo they send us letters saying they would like to sit down in person and go over the option but when I asked for someone to come here they said they dont actually do that. I should be eligible for some type of hardship since due to no fault of our own neither my wife or myself are able to work. Also when Wells Fargo did the loan modification they only lowered the payment by {$100.00} or so, this really wasnt enough to compensate for losing {$70000.00} In income. I feel it is unfair to charge someone such a high mortgage payment when they come to you for help. They are also making us pay mortgage insurance which is {$200.00} a month and out loan is paid down enough where that should no longer be an issue. They have delivered foreclosure payments to our child when he answered the door and have made me want to change my phone number because they call from early in the morning until XXXX XXXX XXXX at night. Its hard enough to lose your job due to injury but to wake up every morning to collection calls is horrible- they dont even stop calling us on the weekends.

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Yes I have hard inquiries on my credit report and I have old accounts that shouldn't be on my credit report no more why they haven't been removed

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 03-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: my wife and I had a cell phone with XXXX XXXX in 2004, or prior ; the only statement I have kept is from XXXX, 2004. XXXX was bought out by XXXX, which has since been bought out by XXXX. I was charged an early termination fee, despite my explanation that we had fulfilled our contract. Obviously, I refused to pay it, and I 've had to dispute it with XXXX, repeatedly, as well as at least 1/2 dozen subsequent collection companies. 
I called Dynamic Recovery Solutions today, and explained this and will forward add'l documentation to them. I understand the the current owner is XXXX XXXX XXXX XXXX XXXX ; So I will name them in this complaint. The documentation that I attach will illustrate how wrongfully we have been harassed about this obligation for more than 10 years.

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 Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Account was not verifie d or Consent was no t givin prior to reporting under the FDCPA.

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 12-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a rental/income property that NationStar foreclosed on because they refused to work the the Real Estate agent. He filed all the papers and had a buyer. Because NS dragged their feet and continued to ask for the same information over and over again, the buyer backed out. Agent than asked NS for an extension for find another buyer, they refused and foreclosed on the building. 
My problem is that on the XXXX under fair market value they inflated the number. Properties in the area are no where near what they have indicated on the XXXX. I have repeatedly called them to get this corrected, but with no success. I have been given the name of someone who is supposed to be researching this but I have called her twice within the past weeks and she has not responded. Additionally, they told me that the number under fair market value is the number they felt was a good bid for the property. They also added fees to this number. 'They got no bid close to that. They then foreclosed on the building without giving us a chance to find another buyer. I even said I would give them the keys and deed, they declined. 
Can you help me? This inflated number is affecting what I have to pay the IRS and my social security benefits because they are now taking more out of my check.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My Wife, XXXX XXXX, opened a checking account with XXXX and later applied for a credit card with them in her name only in XXXX. In XXXX of XXXX she requested that my name, XXXX XXXX be added as an authorized user to the card that was only in her name. Apparently USAA decided to add me as a joint account user on the account which I never gave permission to. This business was conducted over the phone and I expressly informed the representative on the phone that I was in no way to be responsible for her credit card account. I never received any correspondence regarding to the account nor did I receive any account statements regarding the account. I only found out that my name was associated with the account when I requested my Credit report in XXXX time frame of XXXX. XXXX, my wife filed for Bankrupt status In XXXX of XXXX after which I called numerous times to XXXX to try to resolve the situation and they basically ignored me and told me that my wife had added me as a joint account holder which never happened. I surmise that after her Bankrupt filing that they took it upon themselves to try and collect her debt form me. My wife has no Power of Attorney from me and I never signed anything or agreed by phone to be responsible for this credit card 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 07-12-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio Recovery is knowingly reporting false information on my trade-lines ( XXXX and XXXX ) to all three credit reporting bureaus.They have an account in there possession and is reporting as an open, revolving account. According to Federal law, Portfolio Recovery is not allowed to report a factoring account and report a past due balance reflecting an installment loan. This account was not purchased in good standing, which would then entitled them to report as is. I have disputed this account, and asked for verification. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company 's false reporting. I demand that this tradeline be removed from all XXXX Credit Reporting Agencies due to violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Payday loan () with National Principal Group, LLC (ME).
Issue: Applied for loan/did not receive money

Complaint: Receiving phone calls at work from NP Group XXXX. They will not give me information, just say I took a payday loan ( I did not ) that needs to be repaid by phone. Two calls so far. Other businesses in our area receiving the same call.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Struggling to pay mortgage

Complaint: Dear, Sir/Madam, I did not know to whom I should address my concerns to so if you would be so kindly as to forward it to the appropriate area I would be greatly appreciated.
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My name is XXXX XXXX XXXX I have had nothing but misery since you have become my mortgage holder. Your paper work has my mortgage start date as XX/XX/XXXX for the amount of XXXX however this mortgage was started in XX/XX/XXXX and original amount is for XXXX please see the attach documents. I am also attaching the copy of the document you sent title wellfargo 1,2,3. Please note the signature on the bottom of those document are not mine or my husband. They seem to be paste and cut.

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 06-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I filed a dispute in 2013 against the collection agency known as XXXX, account number XXXX Phone number XXXX with XXXX sometime in 2013. Transunion failed to obtain evidence from XXXX that validates the debt. I have not received within accordance to Landlord/Tenant law an itemized receipt to verify money owed to XXXX Court. I paid a large deposit and feel that was sufficient to cover expenses. Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information and they have failed to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This company has reported to a credit bureau that I currently owe debt to a phone company I have never had. I 've contacted this company to have it removed and for them to cease contacting me and they have continued to harass not only me but my family friends and MY JOB! I have dates and times of recorded voicemails that I have forwarded to my lawyers to prepare to file a class action lawsuit against this company

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