milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AR).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: on  XXXX   XXXX  I received a call informing me after  30+years of u sing  my American Express card they  put a hold on my card until I will give them permission to go through my I R  S ta x returns .I have never been late on a payment and have generally either paid the full amount or more than the amount due ever month. I informed them I was out of state and was using my card for motel & gas. They gave me no reason for this action beyond they want to know my income and they will decide if I can afford this card. I DO NOT think that is their decision to make as long as I am making my payments!!!! I feel they are judging me on my age and  XXXX . I am  XXXX  and no longer have a high income but I have been  XXXX  for several years and am managing fine, they have no idea what I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Beginning on XX/XX/XXXX I began having ACH transactions reversed from my business checking account to my creditors. All of the transactions listed below were coded incorrectly. All the transactions were coded XXXX Frozen Account when in fact my account was not legally frozen. The bank verbally agrees that my account was not legally Frozen. They ( branch manager and the asst manager ) say account was never Frozen but yet the ACH department gets their information from the bank as to why ACH transactions are reversed. I did make a deposit in the amount of {$2000.00} on XX/XX/XXXX that the bank put a hold on. They say this is the reason for the returns but that does not explain why I had the return on XX/XX/XXXX that was coded as if my account was frozen and furthermore these other transactions should have been coded XXXX uncollected funds not XXXX Frozen account. The deposit in question never should have been held as it cleared the other bank the same night it was deposited but my bank said the funds couldnt be verified. They already had the funds. I have spoken to the branch manager 3 times, the Asst manager atleast 5, customer service 8-10 times, I have filed a complaint and a dispute with the bank. All I need is a letter from my bank stating my account was never frozen and is a valid account. The branch has contacted the legal department and they are not allowed to write a letter for anyone about anything. I have contacted XXXX and spoke to customer service manager who was the first person to understand the ramifications to my business due the codes being wrong. The bank XXXX manager was supposed to call me but I never heard from them. It has been 6 weeks and no resolution. I have no access to my business line of credit, I have to now hand walk my XXXX XXXX payments in person to pay in cash at a XXXX store for the next 12 months and due to the XXXX return I may not be able to get another working capital loan from XXXX for my business. This has greatly effected my business and I am unsure of the future ramifications to my business. This could honestly put me out of business if it is not resolved and I can not access my line of credit or renew my working capital loan. I started this XXXX in XX/XX/XXXX and my account has been with Huntington for about 19 years back when it was XXXX XXXX. Also, none of the transactions show on my account that they were returned or paid and I was not charged a fee for any of these returns. XX/XX/XXXX- XXXX return code XXXX {$240.00} XX/XX/XXXX- XXXX XXXX return code XXXX {$230.00} XXXX XXXX XXXX return code XXXX {$240.00} XX/XX/XXXX - XXXX XXXX return code XXXX {$230.00} XXXX XXXX return code XXXX {$240.00} XX/XX/XXXX- XXXX XXXX return code XXXX {$230.00} XXXX XXXX ( XXXX ) return code XXXX {$200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2015 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a credit card with XXXX XXXX several years ago, it is reported on my credit report as XXXX separate accounts. Yes I know I need to repay it, but XXXX bad items vs XXXX is killing my score.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Yes I have a claim on my report with derogatory marks that was obtained during a period of time that I was XXXX. I was XXXX in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX the fraudulent activity on my report transpired In XXXX. I do not know how this is possible but please let me know what I have to do to prove my innocence and get this matter corrected. 
Thank you, 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 10/25/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XX/XX/2015 I visited XXXX XXXX Used Car Dealers at XXXX XXXX XXXX, XXXX, XXXX XXXX with a pre-approved {$20000.00} check in hand to purchase a XXXX used Nissan Altima. The sales person ( XXXX ) asked if I wanted to cancel the {$20000.00} pre-approved check from my credit source and apply for a new {$20000.00} loan through XXXX XXXX for perhaps a better interest rate, My answer was no, " I do not ''. This queston and aswer was repeated 5 or more times with the same answer by both parties. I completed paper work to purchace the XXXX XXXX and a day later discovered XXXX XXXX had removed the warrenty and failed to dusclose the vehice had been in an accident. I also discovered XXXX XXXX had illegally slammed my credit report with an inquiry. This illegal inquirey was enough to cause EQUIFAX CREDIT BUREAU TO LOWER MY CREDIT SCORE. I filed a dispute with Equifax and XXXX XXXX and neither will process the dispute to remove the illegal inquiry on my credit report. I also sent written complaint toXXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. My credit score remains lower than it was before XXXX XXXX illegally slammed my credit records. Can you please help? Contact Information : XX/XX/2015 Equifax Information Services LLC Attn : Dispute Department P.O. XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Medical) with Hollis Cobb Associates (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was in an accident XX/XX/2016. I reported to the emergency room with no medical coverage. I made the hospital aware that I had automobile coverage for claim. I also made the hospital aware I was in a hardship due to this accident. I am XXXX and unable to work. However, I have been contacted several times in regards to a bill for {$310.00}. I recently, was contacted with additional bills that were not related to such matters mentioned. Nevertheless, I have proof of hardship. I do not believe I should be responsible of bill or bills no limited to the accusations against me and my credit. Included is a copy of my hardship from XXXX as well as addresses involved to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/30/2016 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX ( FBN XXXX ) represents Unifund CCR , LLC in a lawsuit filed against me. This debt was from XXXX of 2009, which is well beyond the statute of limitations for Florida, F.S.S. 95.11. Because of unforeseen events, I was unable to attend the court hearing for the judgement. Since then, XXXX XXXX has continued to attempt to illegally collect this debt through grnishment of wages.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Student loan (Non-federal student loan) with KEYCORP (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am submitting my request again since Key Bank USA / XXXX XXXX / XXXX ( XXXX XXXX XXXX ) continues to wrongly report a delinquency / non payment on my credit report multiple times for ONE student loan issue that was paid in full and resolved ( DUPLICATE reporting of same issue when it is just ONE issue ). 1. The account was paid in full and should be removed as a negative on my credit report. 2. In addition, reporting by XXXX entities was wrongful because the account existed only with Key Bank and the other entities have no right to report. XXXX. The one account at issue was wrongly reported negatively under multiple account numbers when the issue involved only one Key Bank account which was paid in full. 4. After multiple attempts to correct the erroneous reporting of the account with Key Bank and the Credit Bureaus -- all XXXX Key Bank entities continue to wrongly ( negatively ) report the account in duplicate and unresolved. 5. The amount involved is under {$200.00} however its impact to my credit history is negative, erroneous and without basis. 

I am seeking your assistance resolving this matter because KeyBank USA / XXXX XXXX / XXXX and the Credit Bureaus have repeatedly failed to address this even though I have contacted them multiple times. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Chase XXXX Credit Card. 
Suddenly they stopped the use of my credit card, They send me a few e-mails to correct the problem, it says chase fraud protection, asking me to recognize some transactions, I do not respond immediately, later message says response is not valid anymore, when I call, many questions and card is blocked, I spoke to several associates and no success, they say someone will call me within 24-48 hours, I got a prepaid phone, If I do not answer they leave a message to call back, I called, the the process is the same, someone needs to call me back, and the process keeps going on, I got tired and ask them to close the account and they can not close the account either, they say someone will call me, I said I can wait 5 minutes I will answer the phone, someone called me today X/XX/2017 and person from chase did not talk at all, so I hanged up. 
this is so frustrating, I do not owe any money to them I just want to close the account, tired of wasting time on calls and dealing with Chase associates.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Trouble during payment process

Complaint: Receive Social Security Check   XXXX   Wednesday of each month, Our house payment goes in the mail the next day   XXXX   Thursday of every month, I have cancelled checks for every payment for the last 32 years,   XXXX   XXXX   XXXX   sold account to  Carrington Mort gage and we have had nothing ut problems with them every since. We have sent copies to  Carrington  Mortgage and have tried to explained that we are not past due, now they are calling  2  to 3 times a day and threatening foreclose. We have asked them several times to put the old balance that they show owing to the end of the contract and they say they ca n't. My husband is   XXXX    XXXX   XXXX   XXXX  with  XXXX   XXXX  (   XXXX   XXXX   XXXX   )   XXXX   and  XXXX   XXXX   XXXX  the  XXXX  they are causing by sending  XXXX  to  XXXX  letters weekly and calling daily is not helping him. We have lived in this house for 32 years if we were not going to pay our mortgage payments why would we be in the same place this amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Payday loan () with Pressler & Pressler, LLP (NY).
Issue: Can't contact lender

Complaint: they said the apply for some loan i never thet plus thto te dont want to tell me were the loan was taking

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Medical) with MST Financial Services, L.L.C. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had health insurance, on XX/XX/XXXX of 2015 XXXX XXXX billed me for no insurance I called back giving them my information, they called me back 5 minutes later stating I did n't have health insurance. I told them I will call you back I should have health insurance so when I called XXXX XXXX back they never would answer I called multiple times leaving messages with no response, I received a call from XXXX about it being in collections I told them I had health insurance and that XXXX XXXX neglected to call me back with any updates. I sent them the information from the XXXX State Health Authority, my debt was removed from XXXX but not from XXXX. Only to find today my debt in collections is not double the amount and showing on both credit reports. I need help I 'm fed up with the games both XXXX and XXXX are playing. I do not owe either a single penny I am on a state funded healthcare program due to low household income my health insurance is free

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 01/31/2018 about Debt collection (Credit card debt) with Alpha Recovery Corp (VA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a phone call at XXXX XXXX est, by alpha recovery group on behalf of XXXX. I asked what this is in regards to ; the first gentlemen would not tell me prior to verifying my identity and then hung up once i asked again what this was in regards to. I called back to try and figure out what the was in reference to. Then, second lady did the same thing and hung up once I asked who this was and what it was in regards to : both were extrmely rude and abusive, yelling and telling me I dont know what Im talking about. I called back and reached a lady by the name of XXXX XXXX : she refused to tell me who she was until I verified my identity, even though all three times I stated I was the person they were looking for. They would not proceed until I gave my personal information. After I asked why they were calling so late, she proceeded to get rude as well ; yelling and harassing me the entire 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 non-monetary relief
Consumer complaint received 12-08-2015 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: This pertains to file # XXXX where I have proof that BB & T is lying. On my original complain I stated to BB & T had debited out {$100.00} premature from my account. All this started back on XXXX/XXXX/2015. Where i have made a cash deposit if {$100.00} bringing my balance to {$95.00}. Then on XXXX/XXXX/2015 there was a charge of {$28.00}. And here is where the problems starts. BB & T charges me {$36.00} OVER DRAFTED FEE on XXXX/XXXX/2015. The reason is that BB & T has stated that on XXXX/XXXX/2015 there was a withdrawal of {$100.00} Plus {$3.00} fee for using another banks ATM. The problem here is that it was not on XXXX/XXXX/2015 that the Withdraw occurred but on XXXX/XXXX/2015. I have the Bank Statement for BB & T which I printed off their web site. And what BB & T sent to me. As you can see, from the Bank Statement I am providing it shows where the Withdraw of {$100.00} occurred on XXXX/XXXX/2015. But BB & T takes the {$100.00} on XXXX/XXXX/2015 making my account go NEGATIVE. Furthermore, on XXXX/XXXX/2015 I make yet another deposit of {$100.00} again in cash. But because BB & T took out the {$100.00} on the XXXX/XXXX/2015 it has caused nothing but OVER DRAFT FEES which have total now to a {$260.00} ... And BB & T does not want to remove the fees when I have PROOF directly from their website. 

I have attached Both The Bank Statement that BB & T provides their customers and the So call Bank Statement they provided me with their entire letter providing nothing but misleading information plus inaccurate transactions from the bank to cover its shine! 
But as the saying goes : A picture is worth a thousand words! You be the judge of the proof yourself. And again BB & T states the {$100.00} was for XXXX/XXXX/2015 when it clearly states it on the personal bank statement from the bank on line the transaction took place on XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: I was victim of identity fraud/theft. Someone opened up a XXXX credit card in my name. I contacted Transunion in XX/XX/XXXX, submit all the paperwork, contacted XXXX XXXX and submit all the paperwork with. It was confirmed to be fraud and was supposed to be removed from my account. 90 day fraud alert fell off my account, we were in the middle of moving across country/XXXX XXXX XXXX military/ needing to have credit checked to get a new apartment. 
Just found out my identity was stolen again to purchase something from XXXX so I contacted the Credit unions to put a freeze on my accounts. In doing so, I received a report from Transunion showing my credit report. It is still listing XXXX on my account - and this is about 6 months after the confirmed fraud. I attempted to call to dispute as I was not able to do it online and the person I spoke with was not only a bit difficult to understand and rude, I was not sure my problem was resolved after the call. 

Please help victims of identity theft. These agencies are just terrible to work with and we 're helpless!

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 10-05-2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I notified Chase Bank that I was going through a divorce. My soon to be ex was on my checking account so that in an emergency he could pay bills. I was told I could not remove him from the checking without his consent. I asked how I could protect my money ( we had separate accounts, he had his own money at a different bank ). The branch manager advised me to move my money from my checking to my savings account to protect it, as my " ex '' was not on that savings account, and then she noted my account with regard to the situation. As expected, the " ex '' went to a Chase branch and requested a withdrawal of the money in my account. The bank gave him ALL of the money ( checking AND savings ). When I received an email notifying me that my account balance was below my limit, I was shocked and went immediately to the local branch. I was told that because I had overdraft service on my account, that I had no recourse and that the bank had done nothing wrong. The overdraft service, according to the Chase website, states that it will pay : Checks, Automatic Payments and Recurring debit card purchases. It also states that it will NOT cover everyday debit card transactions. My " ex '' did not have a debit card for the checking account. He simply walked in, and withdrew everything from the checking and savings. The bank did not contact me, and I assume did not verify that he was NOT a named person on my savings, which should NOT allow him the overdraft service. As the sole custodian of the savings, the overdraft service should have only been protecting me. If the bank knew that overdraft would enable him to receive all funds, they should have advised me when I requested their help in protecting my funds, and I would have asked that it be turned it off. Their website documentation does not state that the overdraft service includes withdrawals. It should n't include withdrawals. If someone has access, they should be required to transfer the funds in order to withdraw them. Please help me get my funds back from Chase Bank, who erred in agreeing to disburse them to my now ex-husband who was not eligible to receive them. Their documentation and communication to all is confusing and misleading to a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Credit card () with CITIBANK, N.A. (LA).
Issue: Billing statement

Complaint: Citibank 's mobile app does not allow one to view payments or pending payments. This makes it more likely to submit double payments. There is no warning against submitting a double payment. This makes it likely that the credit card bill is double billed creating overdraft issues for the payment ( checking ) account. 

I had this problem and contacted both institutions ( Citi credit cards and the checking account ), but the double payment was never removed from Citi despite multiple calls. When I tried to make the next monthly payment, Citi said they reprocessed the double payment, and they could do nothing about it. I found XXXX in the Florida office at Citi customer service very unhelpful when this problem cropped up again the next month. First I had to get my payment ( checking ) account made " active '' over several calls. Then, when it was active, the double payment from the previous month was charged. If I had just paid my balance in full right away, the double payment from the previous month would have overdrawn my checking account again! I am waiting to see if the double payment is processed before paying that part of my balance at Citi credit cards.

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