milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: Recently I stayed at a hotel in XXXX XXXX. The hotel generated XXXX authorizations from the American Express Serve Card, XXXX for {$310.00}, XXXX for {$90.00}, XXXX for {$180.00}, and XXXX for {$23.00}. Upon settlement with the hotel, I was billed XXXX for the XXXX authorization and XXXX for the XXXX authorization, which left a XXXX balance with the hotel. The XXXX authorization and the XXXX authorization remain on my Serve account, which went into a negative balance. After a direct deposit was processed XXXX dollars of my money is inaccessible. 
After contacting the hotel, the hotel contacted their third party credit card processor, XXXX and XXXX XXXX. The third party processors had no record of the remaining pending authorizations, they were cleared from their system after the hotel was paid in full. 
American Express Serve, however, continues to hold the money, and states that they can not remove the authorizations manually. American Express Serve also states that these " orphaned '' authorizations will drop off systematically after 30 calendar days. 
The hotel has contacted American Express and requested that they clear the authorizations, which American Express stated they did. Yet, the Serve account still shows the holds in place. 
American Express Serve states that they are powerless to rectify the circumstance, and that I will just have to wait until XX/XX/XXXX to regain access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This is a formal complaint against Experian located in XXXX, TX. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I 've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, [ insert CB name ] has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon

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 10/26/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mom has passed away and I am just trying to make payments for the house that is now under my dad 's name while it is waiting for a closing date. I have made payments on the account previously but as soon as I told them we are closing in few months, and is XXXX month behind on payment, they are just hanging up on me making it impossible for me to make any sort of payment. I know that in state of Virginia, mortgage companies can foreclose the house in 90 days. We have significant equity in the house so I do not want to preassume anything but this situation makes it seem like Seterus Inc is trying to prevent us from making payment so they can foreclose our property. They are keep telling me the information is wrong even though I am providing them with same information I have been telling them for months. All of the sudden, the information is incorrect as soon as I told them we are under contract and need to make 1 month of payment so that our house is prevented from going under foreclosure. Also, I now have to pay a late charge because they were not allowing me to make any payments before the pay period I was responsible for late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Payoff process

Complaint: I had XXXX credit cards with USAA, XXXX accounts i paid off and closed those accounts, I kept the XXXX account and again paid it off, yet they continue to hold my funds long after they received them via ACH. I called was told " Well even though you have a great credit history with us, and paid off the XXXX accounts you closed '' the open account in which you also paid off, we hold the money as long as we can '' i asked why now? was told thousands of people pay large amounts on there accounts but USAA holds them as they can make interest on holding thousands of payments by our customers, thus you can NOT access your funds for about 10 days even thought we have had your full payment we can make interest by holding customers. I was told today 4 different stories on this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: I had sufficient funds in the bank to make a transfer to cover valid ach / recurring payments I authorized. In the past and for many, many years, the bank has paid the amounts, sending me notification of the insufficient funds, at which time I would make a transfer or deposit timely to cover the payments. For the first time in several years, the bank decided to return items unpaid and charge return item fees without allowing me the opportunity to cover them. When I called the bank, I was advised by XXXX, a supervisor that Chase can and will return items at their discretion. There is nothing she could do about it. I advised her I would be leaving the bank as soon as my autopays were set up elsewhere. It appears Chase is willing to treat loyal customers with complete disregard to collect a few fees before the end of the year for their shareholders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2015 about Bank account or service ((CD) Certificate of deposit) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Account opening, closing, or management

Complaint: About two years ago I cashed in a CD that I had with Bank of America. It was relatively small, around {$5000.00}. Being fairly poor though it was my life savings. I understood that by cashing in early I would lose the interest earned. That was what I agreed to when I set up the CD. My son had found a one time opportunity to buy something that he could almost immediately resell at substantial profit. I told him to spend the {$2000.00} he had on the goods and that I would replace the money from my CD. Once he spent his money it was critical that I follow through and reimburse him so I no longer had any choice on cashing in. When I ended the CD I was stunned that the bank penalized me over {$300.00} for the early withdrawal. The total earned interest was under {$60.00}. I was told that the bank had unilaterally changed the terms and was now penalizing me based on principal, not interest. I reminded them that I had never agreed to change the terms. They said they had sent notice but I never got one. I read correspondence from the banks when it concerns my money. I absolutely never received or agreed to this change in our agreement. I wrote XXXX letters to B of A about this and never received a response. In anger I closed my accounts with B of A and moved them to a locally owned bank. When I told them about being charged over {$300.00} for cashing in my CD in the XXXX month of a XXXX month term they said I had to be mistaken, no bank would do that. While I waited they called B of A and were stunned to find out that it was in fact true. Since that time I had to cash in CD with the new bank when my mother got sick and I had to travel to visit her. My new bank also had to penalize me for early withdrawal from a CD of the same amount. In this case it was XXXX months early. Their fee was XXXX. Yes XXXX. XXXX of the fee charged by B of A. That bank robbed me as surely as if they mugged me on the street. I 'm XXXX and live in poverty on Social Security XXXX. Please get my {$300.00} back from those heartless thieves at B of A.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Yes- my mother 's name still not removed from all of my USAA Banking Accounts. I have contacted USAA about this repeatedly, I have mailed in via XXXX and sent via Mobile Application signed paperwork by myself and my mother to have her removed from my accounts, and today received bank statements with my mother 's name still on them. I have contacted both your organization and USAA several times about this- when is and XXXX XXXX action ever going to take place? I just talked to USAA XXXX 's Office, I believe lady 's name was XXXX as she did not have her headset on correctly and refused to adjust it so I could hear her clearly!!!! Thank you ... ..I guess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My credit card was stolen approximately around the XXXX of XXXX of XXXX. I was not aware as I am sick and I do not check my wallet very often as I possess many cards. The card company is Citibank. I have called numerous times stating that I did not make any transactions after the XXXX of XXXX. The issue also is that the card company allowed the person who stole my card to spend over my credit limit. My credit limit was only 8,000 and they allowed the perpetrator to spend close to 12,000 without my authorization. The card I possess is the XXXX XXXX XXXX XXXX by Citi. Every time I call, they are very nasty to me and I have tried everything in my power but to no avail. There were no transactions processed on my account after XXXX XXXX. I had called for a replacement card and they sent me a card with the same number and when I went to use it, I was stopped inside of XXXX and pulled over to the side as if I was in possession of a stolen card. I called Citi explaining them what happened and in a very nasty manner, they suspended my account and told me they would send a new card. This horrific experience has left me to the point of bankruptcy. I am XXXX XXXX XXXX with very little income. Please help.

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 04/19/2017 about Debt collection (I do not know) with Focus Holding Company (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Request to stop the calls and they keep calling during work hours and at night when sleeping

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit card () with BARCLAYS BANK DELAWARE (UT).
Issue: Advertising and marketing

Complaint: My wife & I each applied in late XXXX XXXX for a credit card from XXXX XXXX & Barclays Bank based on an email promotion for XXXX bonus miles. We each met the requirements, spending limits, and full payment on account, but, as of XXXX XXXX, no bonus miles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2015 about Credit card () with WELLS FARGO & COMPANY (AL).
Issue: APR or interest rate

Complaint: I have XXXX credit card accounts with Wells Fargo. I accidentally paid off the wrongcard and now they have charged me the accrued interest on the only remainingcard. I mixed them up and paid off the card that was n't due until XXXX and thecard due in XX/XX/XXXX has been charged over {$900.00} in interest. Both the other cards were paid off. I did not have any late payments, all monthly payments on all XXXXcards were paid on time previously and I have excellent credit. This was a terrible oversight as I have XXXX serious illnesses and I am on XXXX. I have sent them a letter by a fax XXXX times and they have not responded. I can pay off the entire balance due ( minus the deferred interest ). 
I have no money otherwise for this deferred interest as I am on a strict budgetfrom XXXX. This was a terrible mistake and I am begging someone to helpme with this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Debt collection (Other debt) with ERC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do not have a contract with this company therefore I am not reliable for this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was XXXX at the time of the collection and did not have anything owed to in my name. This is a mistake and is hurting my credit. I do not have an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collector for portfolio recovery services continues to call my cell phone about someone else 's debt. I told them they have the wrong number. When I asked how they got it they refused to tell me and told me that my friend gave it to them. He never gave them my phone number. They have used automated dialing systems to call my cell phone without consent. When I called to have my number removed the lady was very unprofessional and rude. I asked for a supervisor and she disconnected the call. I told her I needed her to listen to me and she said " not today ''. And asked me why I was calling about someone else 's account - when I was returning the call they left me. I called back and the supervisor refused to give me information about their company such as where they are located and what is their contact information for corporate. I had to ask several times if it was a debt collection agency before he confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, I submitted a letter to CitiMortgage asking them for any and all transactions from XXXX to now. CitiMortage sent me info on the monies received .When I had asked for any and all transactions.In XX/XX/XXXX there was a letter sent again. There response was the information requested is substantially the same as information previously requested. They refuse to give me access to the information I as for.

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 04-05-2017 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed the debt from Credit Systems and it was deleted from my XXXX credit report in XX/XX/2016. I noticed that in XX/XX/XXXX this same inaccuracy was reporting on my XXXX report as well. Which should had been removed from my credit report back in XX/XX/XXXX. I disputed the debt on my XXXX report and provided the documentation proving it was removed from my XXXX report back in XX/XX/2016. However, instead of Credit Systems removing the inaccuracy from my report, they put it back on XXXX report and showed that the debt had been in collections for 14 months dropping my score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I this am just called once again American Express to try and negotiate the APR rate on my account. I did indeed call again on Friday evening ( XX/XX/XXXX, late ) to try and negotiate the APR rate. To my frustration I have gotten no result at all. On Friday evening XX/XX/XXXX was the first evening I had spent at my address since the Hurricane of Irma. Having no experience with hurricanes the stress of same is the same as trying to negotiate an APR rate with American Express. I have been with Amex for so many years and I have always paid my bills on time until a few years ago, when I was laid off from my job. I did somewhat land on my feet if you will, and the balance is higher than I would like it to be and if I could afford to send them more, I would and they know that too, but I can not. XXXX is a killer and the XXXX of a hurricane and then this complaint are enough to kill anyone and I WOULD LIKE TO HAVE MORE OF WHAT I PRESENTLY SEND TO AMEX A CREDIT TO MY NAME AN OPPOSED TO THEIRS.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I moved out of   XXXX   XXXX   on  XXXX    XXXX  . Everything in the apartment was clean and paint. A worker in the complex paint it and fix the spot in carpet for me! They are saying that they change carpet lying because want to charge and keep the money. Also I sent them all the info and is only until a colleccion agency call me that I know about this bill. They had {$750.00} of security deposit. Also I moved out because a custody battle in Michigan and give them proved!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Trouble during payment process

Complaint: Select Portfolio Servicing ( SPS ) as sumed the servicing of my mortgage in  XXXX  of  XXXX  from the previous servicer  XXXX   XXXX . I spent some months dealing with   XXXX   regarding a mistake in the city taxes for my escrow payment. When they turned over the loan servicing, I believed this issue to be corrected  (  see attached letter dated  XXXX / XXXX / XXXX  ).   Shortly, upon assuming my loan,  SPS  notified me that my payment was to change from {$800.00} to {$760.00}. I contacted them immediately, asking for them to do an escrow analysis to check if the city taxes were reported correctly. (  XXXX / XXXX / XXXX , spoke with  XXXX   XXXX  and faxed a copy of my property taxes as requested. ) The month following my call, I received a refund check in the amount of {$800.00}, labeled " escrow overage ''. I called again, and was told the analysis was done and the new payment was correct. I was instructed to cash the check, as if there was an error, it could not be returned made out to me.   Within a month, I received a new escrow analysis reporting I was {$870.00} short in my escrow account. The letter made no offer to put right the account should I pay the shortage. It stated my new payment would be {$870.00} until such shortage was paid back.   I sent  SPS  the amount due for the escrow shortage ( which was {$68.00} more than the initial refund of the escrow account ).  ( I  also had paid 2 months over the {$760.00} amount and instructed the overage to go to escrow?? ) This complaint is to report the ineptitude of handling my escrow and the costly time invested in trying to straighten out the mess  SPS  created. I repeatedly contacted  SPS  to report the error, but they proceeded regardless. This is the second servicing company handling my escrow that miscalculated city taxes. Are they not responsible for contacting the city to report the correct amount for taxes?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have not reticulation of this debit on the facility this company represents i have not myself been too.

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