milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Bank of America ( BoA ) regularly advertises their " XXXX XXXX Visa Signature Credit Card '' with promotional bonuses of XXXX frequent flyer miles ( or more ) for booking XXXX XXXX flights. This bonus is contingent upon completing {$1000.00} of purchases within 90 days of receiving the card.
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I applied for the BoA XXXX XXXX Visa Signature Card onXX/XX/XXXX. I saved a screen shot of the application page ( attached ), which clearly advertises a promotional bonuses of XXXX airline miles after spending {$1000.00} in 90 days.
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BoA granted me an instant approval, but misleadingly, the approval was *not* for the BoA XXXX XXXX XXXX  Signature Card . Instead, BoA approved me for the XXXX XXXX Platinum Plus Card, which has a much smaller promotional bonus of only XXXX airline miles.
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BoA did not clearly distinguish this product switch whatsoever. I received no email, letter, or other notification that my application for the XXXX  Signature Card was denied. Instead, BoA mailed me the Platinum Plus card, which arrived with no mention of either the XXXX or XXXX promotional bonus. BoA only advertises the " Visa Signature ''  version of the XXXX XXXX card on their website, so there was no reason for me to believe a different " Platinum Plus '' version of the card even existed.
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Once I received the card, I made more than {$1000.00} of purchases using the card, not knowing I would receive only XXXX bonus miles for the promotion. Once I received the XXXX promotional miles, I was confused. I waited to see if an additional XXXX miles would post to my account, which never arrived.
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Today, on XX/XX/XXXX, I called BoA and inquired about the promotional bonus. BoA informed me that because I was only approved for a {$1500.00} credit limit, I did not qualify for the Visa   Signature card, which is why I was mailed a Platinum Plus card instead. I explained to the representative that this was very misleading to me. The customer rep argued it was not misleading and offered to transfer my call to the credit department, suggesting they could explain why I was only approved for {$1500.00}. Since this would only waste more of my time, I declined this suggestion and hung up the phone.
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I strongly suspect that many other consumers have had this same issue. According to BoA, my FICO score was well over 750 at  the time of application, and I listed an annual income of more than {$100000.00} on the application. I suspect a large number of other customers with similar or worse credit scores have had the same " bait and switch '' tactic applied to them. After some cursory internet searching about this problem, it indeed seems to be a common issue.

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 11-07-2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (GA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: GLA contacted a phone number I do have but it is a cell phone and the voicemail is not secured and does not identify any name. The message broke HIPAA and fair credit by disclosing nature of call, that it was for home health services, and stated there was a judgement of which there is not. I contacted the XXXX XXXX XXXX and they show they had not spoken to me and that I do not have a judgement. I called GLA and because I would not give me social security number they refused to accept my statement of dispute of the debt. I am not required to give my SSN and I did verify the phone number and my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (Medical) with HOVG, LLC (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I already have a case going..Case number : XXXX I have received several calls since my last submission and I stopped answering the call. One call the man asked my father if he was related to me. Tonight I received a call and my father gave me the phone. I told the man several times I do not have a job and I do not have money to pay that bill at this time. He wanted to know when I stopped working and why and who pays my bills if I have not money to pay my bill, how to I pay my rent and cell phone bills. ( I live with my parents as I am their caregiver since I lost my job- I do not get paid ) All my bills are going to collections because I ran out of unemployment. I told him I was not going to explain myself again and he said he knows because they have been calling me. I hung up on him because I was tired of repeating myself to someone who does not speak proper XXXX and is hard to understand and would not listen. He kept repeating saying they needed to update their system on how I pay my bills and why I wont pay that bill. I told him how I pay my bills was none of his business and he said it was because if I am paying other bills they need to know why I have not paid them.. I told him I was not going to explain myself again and hung up. I was on unemployment and had to decide what bills had to be paid on {$260.00}. Their bill was at the bottom of the list and I ran out of unemployment and still have no job. I am tired of the harassment. If I had money to pay all my bills they would have been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Deposits and withdrawals

Complaint: XXXX/XXXX/15 : XXXX $ of unauthorized ATM withdrawals were made in NJ supposedly using my card. I have never been to the said location and could not have been there at the time of withdrawals ( XXXX ) because I finish work in XXXX , NY at XXXX. 
XXXX/XXXX/15 : I find out my account is depleted and call Citi Bank. They set up an investigation as well as issuing me a new card, and I also change my pin. 
XXXX/XXXX/15 : I file a police report and call Citi Bank again. They decline the claim. 
XXXX/XXXX/15 : I re-submit the claim from a Citi Bank local branch, and the agent sends documents proving that I could not possibly have done the said transactions. 
XXXX/XXXX/15 : Citi Bank decline the claim again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted each Credit Buruea about the inaccurate reporting of the Bankruptcy they do not meet the guidelines set forth to report this on my credit file, XXXX is the only Buruea that has acted accordingly to the rules and regulations, they stated this information was provided by a 3rd Party, therefore I would like the other 2 Burueas XXXX and TransUnion to remove and delete the Bankruptcy as well off my credit file. I have contacted the Bankruptcy court and they responded they do not provide this information to the Burueas or 3rd Party Agencies. Ive sent several letters asking them to dispose of this on my credit and they keep saying they verified it, which is not true.

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 04-05-2018 about Debt collection (Medical debt) with Capital Accounts, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XX/XX/18 letter received threatening to report unpaid medical debt to credit bureaus. Itemized bill sent violating HIPAA guidelines. 
Capital Accounts collection agency for XXXX XXXX XXXX XXXX. 
Patient responsibility was paid at time of visit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: I was not given my FULL Award Miles as promised for opening and using a Citi XXXX XXXX XXXX XXXX credit card. I felt betrayed so I called to close my Account. The customer service team did not want to close the account ; in fact they sent me to the credit card retention department where I encountered a horrible agent who never addressed my REQUEST to close the account. After demanding him to close it with a very strong tone, the agent still did not close it. I then hang up the phone angrily. Shortly afterwards I called back and was informed that my credit card, XXXX XXXX Citibank was CLOSED, without me on the phone to confirm it. The Customer service representative did not communicate with me or read me a closing statement or any type of confirmation. In other words, my XXXX XXXX XXXX Credit card account was close incorrectly and unprofessional. I was absolutely very upset and reached out to several supervisors at Citibank XXXX XXXX XXXX After hearing my complaint, they all apologized on behalf of the agent. I also reached out to my Branch regarding the improper closure but still did not get any proper help, nor did i ever receive my XXXX. XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: Me and my wife leased vehicles back in XX/XX/XXXX both XX/XX/XXXX 's. The lease was up last year in XX/XX/XXXX, and we decided to purchase the vehicles. XXXX sent us paperwork that was wrong on several occasion. We thought things were fine until we got a letter from Ally stating we needed to pay a registration fee. The problem with that is the customer is never supposed to pay anything, except tag renewal and the monthly note. We received a late renewal from the XXXX in which we had to pay XXXX including late fees. We contacted Ally in XX/XX/XXXX of this year, and they gave us the run around concerning management. So we finally got Supervisor/Relocation/Title Transfer person named '' XXXX ''. She informed us she would check in to the matter and get back to us, we thought is as taken care of. I got sick and had major XXXX in XX/XX/XXXX in which I almost XXXX, and my wife got another letter from Ally taking about registration. My wife emailed XXXX in XX/XX/XXXX only to never hear anything from her, and we have not received anything from the XXXX in the mail about out vehicle registration. When I tried going online to renew bot vehicles they stated they were not found and application in process. Our tags expired in XX/XX/XXXX, and we have been dealing with me getting well from my XXXX. I do not have the money to pay big late fees in XXXX, we have the emails we will attach .We have never been late and always been on time with our payments.

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 05-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I called  Chase  customer service department  XXXX  about my checking account because I wrote a check #  XXXX  for {$240.00} and the bank processed as {$540.00} creating a negative balance on my account and I have no access to my money. I spoke to a supervisor and he said even though it is a bank error they have to wait  XXXX  days to get the credit back to me. is a terrible customer experience and it did not take the bank  XXXX  days to take the incorrect funds from my account. Now I am wondering if they have made this same issue with other checks I have written. Another issue I have is at the beginning of the call a message indicates the call  may be recorded but when I told the representative they transferred me to in their executive complaint department thatI was going to record the call, he told me I could not record the call because it was against their policy. Why are they allowed to record but   the customer is not?

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-05-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Trouble during payment process

Complaint: I am meticulous about paying bills on time, and in mid XXXX of XXXX I sent off a check for the rough principal balance remaining on my account plus an extra amount for what I expected the accumulated interest to be, a total of {$1700.00}. My intention was to slightly overpay, and I assumed they would then send me some sort of document detailing the fees to pay off, recording, reconveyance, whatever. They received this payment XXXX, well before the due date of XXXXXXXXXXXX. Inexplicably, they returned the UNCASHED check to me by overnight mail, with a cryptic note saying only that I sent the wrong amount, and should send replacement funds-but no indication of what the correct amount was. I immediately called account services and was told that someone " assumed " I was trying to pay it off, so sent my check back to me. Disgusted, I asked the customer service person what the payoff figure with all fees would be, was told It was {$1800.00}, which I immediately sent and which they cashed on or before XXXX-I do not yet know the precise date but the automated account information indicates the account is paid in full and closed as of XXXX. The customer service rep, " XXXX '' could not explain why the initial check was sent back to me unprocessed, why they had not attempted to contact me by mail, telephone or email before sending it back, or why they did not include the actual figure they wanted but assured me that this payment would not be considered late. All should have been well, except that today I received a billing indicating that my XXXX payment was past due. I am beyond angry and frustrated, and my greatest concern is that this was or will be reported as a more than 30 day past due mortgage account, due no fault of my own. I have not uploaded any document, but certainly have the first and second letters from Bank of America.

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 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a delinquent closed ( written off ) account on my Experian credit report with a company called XXXX that is not mine. I 've tried disputing, but it 's hard to provide evidence something is n't yours especially if you have no idea how this account is connected to you. I 've even tried calling the company, but they are unable to even let me access the account because I do n't have account number which makes sense because I 've never received a bill for the account that IS NOT MINE.

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 06-10-2015 about Consumer Loan (Vehicle lease) with Campus Student Funding, LLC (FL).
Issue: Managing the loan or lease

Complaint: The first occurrence was XXXX XXXX, 2015 in the amount of {$370.00} at which I notified the company of the error, the company did not notify me. Second occurrence on XXXX XXXX, 2015 in the amount of {$370.00} at which the company was notified of the same error and is currently unresolved as well, again I was not notified of the error I had to notify them. On both occasions the representatives that I called have requested and they have received faxes of the occurrences on my account at which they confirmed that they were received via fax to the representatives and management team of the company. All documentation showed the amounts debited in error, fees resulted from the error. The representatives and management team has promised as per the conversation to reimburse the amounts and any applicable fees associated with the error. I have met each demand the company had requested, I also faxed them documentation that I want a resolution. I contacted the company and verified they have received all the faxes, and I also requested for everything to be noted on my account. The have only reversed the XXXX charges, however have not reimbursed me for my fees. I was charged {$36.00} for each transaction by my bank as an NSF fee, and I have also been hit with {$140.00} in overdraft fees for my personal charges to my account that went NSF due to the {$370.00} charges. I have submitted written documentation that I want resolution, I also want verification of the error and the solution of the error. The company has not sent me any documentation that I requested, I then requested for termination of my lease with the company as they violated the contract agreement. The company has failed to comply with all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Receivable Management Services Corporation (PA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: RMI has called multiple times after XXXX, even after XXXX, despite being informed that the matter is contested - charges for medication insurance ( after date of cancellation ) that had been cancelled because the insurance had ceased medication coverage! RMI was told the billing was contested, with request for the names of their officers/owners and those of XXXX Mmedicare RxSaver Plus PDP who apparently sent them the bogus charges and instruction not to contact me again until that information was provided. Not only has RMI not provided the requested material. Not only has RMI continued to contact me, but now they are repeatedly contacting me after XXXX. When their telephoning individual is informed that they are calling after XXXX, they are refusing to terminate the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX is listed on my credit report and the company did not disclose proper information regarding amount owed and bill break down to explain debt. I never received anything in the mail informing me of debt prior to it being posted to my credit file. I do not acknowledge or accept the debt as listed and denounce any ownership of the debt. I believe this is a result of identity theft because my identity was stolen and inaccurate information exists on my credit report. Company failed to provide sufficient, factual information to prove this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (AL).
Issue: Settlement process and costs

Complaint: I hate WELLS FARGO with a passion. My husband and I were approved for our Loan, .... All throughout this ordeal I 'm pregnant with our daughter ... 
***during this time I was under a lot of stress, in the beginning I was XXXX, and by the end, I had developed XXXX, which is XXXX XXXX XXXX, during the last trimester of your pregnancy*** ... 
- Anyways, we were set to close on XXXX XXXX, 2015, we moved into our new mobile home on XXXX XXXX, a few days before closing ... .may XXXX came, we did n't close, the underwriter that had our loan was still requesting information.. 
, got a XXXX closing date of XXXX XXXX, then XXXX XXXX ... we did n't close on neither days. By this time im out on maternity leave and on XXXX XXXX, we welcomed our baby girl XXXX into this world. Months pass, I never heard from anyone regarding the loan/loan process .... 
somehow the UW that was working on our loan mysteriously got fired, a new UW picked up our loan ... He started requesting the same information our previous UW had asked for ... Submitted everything ( paperwork legal docs etc ) once again ... 
Over the next few months I NEVER heard a word from our mortgage lender nor loan processor. 
XXXX XXXX, I received an email that stated ... '' You guys should 've gotten an Denial letter in the mail '' ... I asked, a denial letter for what, ... .she said your landlord said you guys were behind on rent and that KILLED THE LOAN ... * our previous landlord said we had gotten behind 3-4 months rents, which is a total crock of XXXX ... We were just ready to leave that dump. * So I emailed her back and asked, why did n't they contact us, we could 've provided the receipts ... So basically we got denied because of a " SIMPLE LIE ''!!! 
He lied, and WELLS FARGO, SCREWED US!!! 
I 'm out luck, out of money, and now after being in our home for the last past 8 months, WE ARE OUT OF A HOME!!! 
I 'm at a total and utter lost for words.. How in the XXXX did all this happen. Now all of a sudden no ones knows nothing.. 
My question is if we were days away from closing, then why did n't they just pick up, were the old UW left off??? And close on the set date of XXXX XXXX, 2015 ... What happened to the old UW, why was she fired??? 
The loan processors voicemail states, that he no longer is affiliated with that department, where is he now???? 
If we were APPROVED then why get DENIED at the last minute??? 
Why did n't they ask for documentation regarding my rent??? 
They screwed us over, so at least you guys, can give us some answers!!!! 
I mean that 's the least they can do, I mean my credit score was pretty decent, now I ca n't even buy attention. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief