milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-07-2015 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Rewards

Complaint: My complaint is with American Express. I have had a American ExpressXXXX card for a number of years. Because my roundtrip mileage to visit the nearest XXXX was eitherXXXX miles to the XXXX PA area or XXXX miles to XXXX MD and they opened a XXXX 's XXXX XXXX only XXXX miles ( RT ) from my home, I decided to allow my AMEX/XXXX to expire XX/XX/XXXX. I continued to use my card XX/XX/XXXX accumulating approximately $ XXXX in cash back rewards. Since AMEX severed its relationship with XXXX, I was told that I was no longer entitled to any of the accumulated cash back rewards. I find it interesting that AMEX gladly accepted my charges for more than a year including a {$10000.00}. charge XX/XX/XXXX, after my XXXX membership expired. I have tried to resolve this by phone on several times, but have not been successful, only getting contacted with their overseas customer service, who claims they were unable to transfer me to the US offices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I opened an account with XXXX XXXX XXXX XXXX and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report XXXX, XXXX, Transunion, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from my credit 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 08/21/2017 about Credit card or prepaid card (Government benefit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Bank of America Child Support prepaid card services and supervisors are refusing to deposit my money. The two payments were made in XXXX. They went to " pending '' but NEVER posted to my account. One was on XX/XX/XXXX for a total of {$400.00} and the second was on XX/XX/XXXX. I 've spoken to Bank of America at least a dozen times regarding this matter. I have submitted all documentation that they have requested. I have been hung up on by supervisors at least four times. I have contacted and gotten documentation from the child support agency for the state of Maryland, gave a supervisor of Bank of America the transaction numbers and the check numbers. They said that child support agency of Maryland did not fulfill these payments. Which I have proof of otherwise. I have documentation from Bank of America showing the pending deposits, and that they were never posted to my account. In XXXX of XXXX there was not one transaction made, not a deposit nor a purchase! I have experienced very rude and disrespectful conversations between myself and supervisors of Bank of America. I have all supporting documents from the state of Maryland and from the Bank of America website showing that nothing was deposited on these matters. Every time I 've spoken to a different customer service representative and or supervisor I have been given different reasons on why the payments we 're never deposited. Despite me sending all of my supporting documents, I have just been turned away and or hung up on, or given the excuse of a glitch in their system. I would not recommend Bank of America to anyone. If I had a choice I would definitely go through a different bank! Please help me! Thank you very much!

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 05/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: all current bills have been paid on time for a least a year. XXXX XXXX car loan paid off in full, some of my old accounts I am working on but there has been no significant change in my report, this is like watching paint dry

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 01/28/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This is my second complaint for an ongoing issue. My first complaint # XXXX has not been settled. I declared bankruptcy in XX/XX/XXXX. My case was closed in XXXX of XXXX. Caliber Home Loans still refuses to lift the hold on my account. I have no access to my account. No statements or online access. I pay an amoumt every month not knowing if it is correct ir not. They have blatantly disregarded correspondence from my lawyer stating that they are in violation on the NY State bankruptcy codes. How do they get away with this????? I never missed a payment in 8 years. The only way I can pay them is through my bank 's bill pay option or I can pay on the phone for a XXXX dollar fee. This is my home!!! They keep saying that an abandonment of property was never filed. The NY State trustee on my case informed them that no such document is required once the case is closed. Yet they refuse to grant me access to my account. I have not seen a statement since XXXX of XXXX. I am beyond XXXX about this. On top if this my mither passed away in XXXX of XXXX and they are still sending tax documents in her name and sicial security number. They were sent her death certificate a year ago and I have called XXXX other times about it. How can a company get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There's an inquiry made from XXXX 's on my credit profile which was the result of identity theft. Transunion was informed on XX/XX/2018 by XXXX  that my identity was compromised and this was inquiry was not made by 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthrized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I DISPUTED THIS ACCOUNT AND ASKED FOR VERIFICATION THAT THIS IS MY ACCOUNT AND HAVE NOT BEEN PROVIDED WITH PROPER VERIFICATION THE AMOUNT IS SHOWING {$330.00}. THE DIVERSIFIED ACCOUNT IS REPORTING ON MY REPORT XXXX DIFFERENT AMOUNTS XXXX AND XXXX ON DIFFERENT CREDIT BUREAU 'S THE

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: APR or interest rate

Complaint: I 've been subjected to paying interest on amounts that are much much higher then the actual amount of principal i was supposed to be paying interest on. this has been a systematic problem almost every month this year. 
I.E. : In attached statement of XXXX 2015 i had a balance of {$5600.00} on which i paid {$5500.00}. the total amount i would have been subjected to pay interest would have been {$140.00} HOWEVER the balance that the bank charged me interest on was {$4700.00} which means over 3000 % ( XXXX percent!!! ) more interest then i was supposed to pay. this systematic overcharging has happened almost every month this year. i 'm sure that this is something that many less then vigilant consumers had not paid attention to. 
this specific month- i contacted the card issuer and was refunded the over-payment HOWEVER- i was overcharged outrageously every month since as you can tell by the statements I 've attached.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and it is affecting me getting credit.

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 09-09-2016 about Bank account or service (Savings account) with BB&T CORPORATION (DC).
Issue: Problems caused by my funds being low

Complaint: There were charges for overdraft fees when I had enough money in my accounts to cover all bills.

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 07/14/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Trouble during payment process

Complaint: My mortgage with Bank of America. Modified on XX/XX/XXXX.through their ( BA 's ) Loan modification program.My contract was structured for staggered interest rates that reached their maximum XX/XX/XXXX@XXXX ( XXXX ) until XXXX XXXXXX/XX/XXXX of XXXX. The final payment on XX/XX/XXXX will be XXXX.
On XXXX XXXX I starting adding XXXX dollar to my payment to accelerate the payoff and in XXXX of XXXX i made my payment ( I was told subsequently that i paid it one day too early and it went completely to principal ) .. I made 3 calls to 5 people @ BA that assured me it was corrected. A couple days later I received my newest bill from BA and it said that my payment l had been raised {$2.00}. After 3 calls and 5 people later i was told it was corrected and that my next statement would reflect my correct payment ( XXXX ). I received my latest bill from BA XX/XX/XXXX. payment was raised XXXX per month. I called BA 2 times before strongly insisting on speaking with and officer of the bank. I was given VP XXXX XXXX XXXX. I have left 3 messages over 5 days, no response. today I went online and my account acknowledged my XXXX payment but surcharged me 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 04/20/2015 about Payday loan () with Ad Astra Recovery Services Inc (IL).
Issue: Can't contact lender

Complaint: I have ask Ad Astra Recovery Account XXXX on a number of occasion to validate this debt they have not. This account was included bankruptcy on XX/XX/2014Ad Astra Recovery is reporting to XXXX every month late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2018 I received an alert that a hard inquiry had occurred by XXXX. 

I phoned ( XXXX ) XXXX, and it did not sound legitimate, so I tried going through my credit monitoring, but can not determine how to dispute. 

I never authorized a credit inquiry, and have no idea of 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
Consumer complaint received 02/16/2016 about Credit card () with Comerica (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My entire wallet was stolen in XXXX 2015 and many of my credit cards were used. One of them was my child support credit card, XXXX, which they used {$550.00}. I have sent all the requested information, police report and they are saying the status is " fair hearing '' which means they can take as long as they want to resolve matter. I provided the company with all the requested information and there is no reason they should be holding my monies.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I made arrangement with a XXXX over the phone a few weeks ago to start the process of paying back a debt we owe on a past credit card. I agreed to a {$31.00} payment to start on a monthly good faith payment of {$50.00} once a month. Then he asked for an additional {$300.00} and wanted my bank account number and routing number, I told him no, I do n't give that out over the phone or internet. He understood, and then I told him to call me the following week for me to see if we could pay that {$300.00} due to the holidays. They went ahead and took out that {$300.00} with out my authorization. I called them back right away and talked with a XXXX and he stated that they needed 7 working days for that to be put back into my account. This was on XX/XX/2016, we still have not received that money as of today XX/XX/2016. I even asked to hear the recorded conversation from my first agreement with XXXX just to make sure that I stated no on the {$300.00} and they could not and did not produce that recording for me to hear. I was told by XXXX I was being recorded. I currently have XXXX bank doing a Fraud investigation in this matter but wanted to file this too just in case we have to sue Midland Credit for poor business practice and fraud. This action put my wife and I in a bind for the holidays and our bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (HI).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: It has been over 13 weeks since meeting the spending requirements to receive XXXX membership rewards points on my XXXX XXXX card from American Express. I have n't received any points. 

It has been over 13 weeks since meeting the spending requirements to receive XXXX Delta Skymiles on my Delta Platinum card from American Express. I have n't received any points.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I recently sold my house and deposited the proceeds of approximately 340,000 into my Wells Fargo account on XX/XX/XXXX. I was told the funds would be available in stages and totally available byXX/XX/XXXX. I got a message on my account web site that the funds were being held an additional week because I had overdrafts on my checking account the previous 6 months. I called the bank and was told that there was nothing they can do so I had to ask what does me having minor overdrafts on my checking account for which I was charged fees have to do with the integrity of checks deposited drawn on a major Arizona Bank? Of course there is no logical explanation. I asked them if a XXXX year old widow  has overdrafts do they put a hold on her Social Security Checks? An absurd analogy obviously but based on their behavior over the past 2 years I would not put anything past Wells Fargo. I am not familiar with Banking Law but this seems to be a civil as well as criminal act. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Delinquent account

Complaint: I am writing to dispute ( XXXX ) marks on my annual credit report. 
# 1. SYNCB/Chevron PLCC # XXXX I did not personally open this account but was added as an authorized user for the account. I never physically had a credit card in my possession for personal use. The primary account holder and I are not in contact with each other and to my knowledge all charges on the account had been paid in full. 
# 2. SYNCB/JC PENNY # XXXX This account was opened and kept current until XX/XX/2009, when I experienced some financial difficulties and was n't able to keep my account current. Once I was able to get some steady income, I reached out to customer support at JC Penny and nobody was able to assist with me trying to pay back the balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with National Credit Adjusters, LLC (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This debt has already been previously removed, but has been reinserted on my credit report with a new opened date and under another creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX CHASE MTG XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately.

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : CHASE MTG XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: First i called to see about doing a settlement payment agreement so we can pay off the balance. they refused to work out any deal with me that i can afford. then the agent made a threat saying they will come to my house and arrest me if i dont pay it now. i hung up after i said i will contact the consumer fianance protection. they are rude and are not willing to work with customers. I will not pay the full amount i dont have it and cant afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Mortgage (FHA mortgage) with Priority Financial Services (MD).
Issue: Application, originator, mortgage broker

Complaint: I was strung out for over 6 months attempting to refinance my home. They had me wait to make payments on my mortgage- but month after month, they could n't do it. I incurred late fees, which they said they would refund, as well as a {$500.00} appraisal that was never needed as they were never going to be able to close the loan anyhow. They gave me false hope and treated me poorly as a consumer to such a important matter. I wrote to them telling them what I 'm asking for and they turned me down. Poor business pratices

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-05-2017 about Debt collection (Medical debt) with Southern Credit Adjusters, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$98.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax is reporting on my credit report under a account that is not mine : XXXX XXXX. On XXXX/XXXX/2016, I requested Equifax to validate this information with XXXX XXXX and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). I again sent another letter to Equifax USPS Certified Mail item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). Equifax has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Equifax had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached ( see attached )

Company response to consumer: Closed with explanation