milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: To whom it may concern : I have applied for the American Express XXXX XXXX XXXX credit card onXX/XX/XXXX and got approved with a {$6000.00} line. Earlier today ( XX/XX/XXXX ) unexpectedly I noticed that my other American Express Bluecash Everyday card that I have been using since XX/XX/XXXX has got a line decrease all of a sudden from {$12000.00} to {$6700.00}, so I called American Express customer service right away. Throughout my conversation with them, it seems that when they approved my XXXX XXXX XXXX card application, they allocated {$6000.00} of my XXXX XXXX card line to the new card, and the only option to increase the line for my XXXX XXXX card is to apply for a credit line increase. This is the problem. First of all, there was absolutely no communication/notification to me regarding the line decrease/credit line allocation between the two cards in any forms after I was approved for the new card. It 's not only a question on credit card line strategies but also a customer service issue - I feel that I was n't fairly treated with my right to get notified regarding the credit decisions that the credit company is making. I understand that credit line decrease is usually communicated before being implemented and it usually has negative impact on credit bureau profile. Secondly, as much as I want to have the new card, I want to have sufficient spending limit on my XXXX XXXX card, and the sudden decrease is certainly not helpful on this front, and has affected my upcoming spending plans. Last but not least, customer service transferred me from one department to another during our conversation without providing much helpful information regarding what the possible solution is for this matter. When it comes to a " final conclusion '' that I need to apply for a credit line increase, I feel it 's beyond unreasonable as they cut the line without telling me in the first place, and by applying for credit line increase, they will have to pull my credit again without any guarantee that the line is able to be increased back to the level it was. To summarize, it was a fairly disappointing experience with American Express, and hope that the issue could be further addressed to them and resolved in a mutually-beneficial way. Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Account closed who still showing a balance of {$2300.00}. I would like this account to show  XXXX  balance immediately on 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 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
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 mailed a letter to Experian on XX/XX/XXXX requesting method of verification for accounts that are inaccurately reporting on my credit report. The companies are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Experian received my letter on XX/XX/XXXX and mailed me a copy of my credit report dated XX/XX/XXXX which I received in the mail on XX/XX/XXXX. However, the credit report is not what I requested. What I requested was method of verification. Furthermore, the credit report stated that Experian contacted the companies and verified the accuracy. I never asked Experian to investigate in my most recent letter, I asked for method of verification. I requested the name, address, phone number, date and time of the person Experian spoke with to verify this inaccurate information. I also requested the name, number, department and title of the person from Experian claiming to have verified this information. According to the Fair Credit Reporting Act ( FCRA ) credit reporting agencies have to provide method of verification within 15 days of my request or the information must be deleted from my credit report. Since Experian has been unsuccessful in providing method of verification for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX I demand these inaccurate accounts be removed from my credit report immediately. I also want an updated copy of my credit report once this has been completed.

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 10/21/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Multiple time we have faxed the Authorization to Release Loan Information, Listing Agreement and the Offer multiple times to no avail to M & T Bank, at the time, date and fax numbers below. I have proof that the faxes we successfully transmitted. One successful email was sent as well. 
Here 's the date, time and fax number or email : XX/XX/XXXX at XXXX mst at XXXX XXXX at XXXX mst at XXXX ( successful transmission return email ) One must wait 3 days to call back to verify to they received it, which is wasted time because they said they did not receive it. 
Called back in to find out they have no record of such and re-faxed at the below fax number. 
XX/XX/XXXX at XXXX mst at XXXX XXXX at XXXX mst at XXXX ( Delivered/Confirmed via XXXX ) You have to wait 3 days to call back to find out if the fax/email were uploaded into their system. 
XX/XX/XXXX at XXXX mst at XXXXXXXXXXXX ( Delivered/Confirmed via XXXX ) XX/XX/XXXX at XXXX mst at XXXX ( Delivered/Confirmed via XXXX ) My assistant also faxed multiple times, but she is out of town and could not supply that information to me at this time. 
Here 's the challenge - because we needed to get the Authorization, Listing and Offer in within 37 days of the foreclosure sales date to M & T Bank, which we could have done had they acknowledged receiving the faxes and email. The XX/XX/XXXX foreclosure sale would have been postponed giving us time to get whatever else that may have been required. We are now a week away from the sale on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed .Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible .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 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have XXXX accounts XXXX XXXX XXXX XXXXXXXX Bank of America XXXX XXXX XXXX services But on my report they show only XXXX accounts and that 's the reason my score went low

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (SD).
Issue: Problems when you are unable to pay

Complaint: I have an auto loan with gateway one lending and another with a different bank and the payments are 5 days apart. so I split the payments and pay both every two weeks. I noticed my payments were n't going to the principle so I emailed asking why. I get a response, to me seemed very rude and sarcastic. I then made a partial payment like I always do and the following day I started to get calls saying I need to make my payment. I again emailed them in a stern sense saying they just too a payment and they clearly know what I 've been doing for the last few months. did n't hear anything back until I get a voicemail of a lady talking to someone saying, I guess we can scare her into making her payments, even then that wo n't help. she then called back again and I told her what I heard. she had no problem getting a manager. the manager got on the phone and to me seemed to down play it, oh, well we do n't do that here, im sorry. but still insisted that I needed to make a payment on post date one. he took off late fees and did n't charge me the 10 dollar over the phone processing fee and said he would email me my transaction and if I have any other concerns to let him know. well, I have n't gotten that email yet. this is disturbing to me that they feel they need to talk XXXX about a client to another associate. they always get their money. I bought the vehicle XX/XX/2016 and it 's a year later and I 've barely knocked XXXX off the loan. my payments are XXXX a month.in 12 months that 's XXXX dollars and if you took that and split between principle and interest that 's still XXXX dollars. it does n't add up to where my money is going. Im trying to build my credit back up and this company is hurting me. they report to the credit company everytime I 'm late. It just does n't sit well with me, I have to wonder, when they call am I going to be threatened. not to mention they call before XXXX, they will call me 2 or 3 times then call my husband while at work. now I have to worry, if I make a payment is it going to the right thing, are they going to send sone one to come get my truck, because I making a partial payment twice a month is n't good enough or are they going to leave another threatening voicemail. please can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Paul Michael Marketing Service (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a debt validation to this collection agency because I do not recognize this debt. They ignored my written request for validation and continue to report this as an outstanding collection on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The below address is not mine. I have never lived at that address. 
XXXX GA 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 non-monetary relief
Consumer complaint received 01/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I contacted Transunion Regarding negative inquiries and they refused to help me were very passive and short. Not helpful at all and this was not resolved. I contacted them regarding the following negative inquiries : -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XXXX -XX/XX/XXXX -XXXX -XXXX -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 02-08-2018 about Debt collection (Other debt) with Hindman Sanchez P.C. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I revived notification regarding a debt owed in XX/XX/XXXX from HindmanSanchez, related to HOA fees. I was served with papers in XX/XX/XXXX regarding a XX/XX/XXXX Court Date. I reached out to the Collections agancy on XX/XX/XXXX via Email which I can provide. asking for a payment arrangement. I received a call back from XXXX  on the same day via voicemail advising about my email and payment request. I called her that same day and set up the arrangement as per my email. A direct Check mailed from my XXXX XXXX account starting XX/XX/XXXX for $XXXX per month until paid off. She advised as long as that was set up, they would be OK with the payment arrangement. HindmanSanchez recived a check for $XXXX on XX/XX/XXXX, then another check for $XXXX   on XX/XX/XXXX. then another one on XX/XX/XXXX. the first two checks were cashed. the 3rd has not been. However the amount was pulled from my account on the day of mailing. on XX/XX/XXXX HindmanSanchez had a draft of XXXX withdrawn from my account. as per my original amount owed was XXXX  no payments have been posted to my balance. as of today. the collections agency claim the draft was ordered because nothing had been posted. but they do see payments revived.  Now they want to wait to see what was revived before they refund me any money paid over the amount of XXXX. I had a valid arrangement with them, they failed to follow their processes which caused my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (CA).
Issue: Taking out the loan or lease

Complaint: At XXXX XXXX in XXXX I took in a Certified Vehicle Certificate for a XXXX Ford Mustang GT convertible which was not granted not disposed in my favor. I was treated unfairly, harassed, insulted by Visitors, Customers and entire staff at XXXX XXXX in XXXX. I was informed by employee that nothing was in it for them, so they could n't grant my certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I owned a Bank of America account. A fraud activity had happened to my account by someone else that I knew of. I paid the negative balance in full and would like to be able to open a new account with 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 03-04-2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I have asked for a history of our payments twice now so we can see what we have paid in late payments, how much we owe and when we can get our PMI dropped. Both times they have told us due to our bankruptcy judgement they can only send us XXXX type of history but not what I am requesting, yet neither time that they have said they will send us what that can have we received anything. How can I get some information about the mortgage we are paying on, some what to see what we have been paying and how those payments are being applied. They seem to be able to send us info on our escrow account, when those payments change, how come we ca n't get any info on the mortgage Itself? 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: XX/XX/XXXX I submitted XXXX quarterly estimated tax checks to the IRS. XX/XX/XXXX when I submitted my tax return I was told that they had not received the XX/XX/XXXX check. The check was submitted to my bank ( credit union ) and paid to an account at a Wells Fargo bank. The IRS did not receive the payment and the endorsement on the back of the check does not match their endorsement procedures.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with I.C. System, Inc. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have 3 hard pulls and do not know who they are.

1. XXXX XX/XX/XXXX Pulled a hard pull on my credit without my consent.

2. XXXX XX/XX/XXXX - Pulled a hard pull on my credit without my consent.

3.XXXX XXXX XX/XX/XXXX Pulled a hard pull on my credit without my consent.

I also have 2 derogatory accounts that I have tried to resolve.

1. IC Systems XX/XX/XXXX 2. XXXX XXXX XX/XX/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 07/13/2017 about Debt collection (I do not know) with Springer Collections Inc. (WI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Spring Collection at  XXXX  contacted my mother today asking for myself or my husband, as well as informing her of who they were and that they were collecting debt on our behalf.  <P/> I am currently at work, but then they also called my phone number, so why they called my mom after she told them she was not them and giving her our debt information is not the proper practice. I have relatives with my last name that I wish to not be notified of my financial issues and would like to speak with someone in regards to what I can do. I have not lived in Minnesota for 5 years now and do not know what this debt is regarding, and I do not want to call and give them any of my information, now that they just shared it with a family member of mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Medical Data systems, Inc is attempting to collect a debt that I do n't owe nor have I ever established a contract with this company. You purchased a debt from a company that claims that I owe them but by you obtaining the debt does not legally bind me to owe you anyting, furthermore they are in complete violation of HIPPA and FCRA law which is violation of the law

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 10/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the companies, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. You will see in my letters dated XXXX XXXX XXXX and XXXX XXXX XXXX that I have repeatedly made these offers. Fed loan Servicing on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Funding did not provide adequate verification for debt in question. No documents were provided showing a contract or signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian claims that the XXXX account is mine after much evidence that this is a fraudulent account. They erased it once but decided to add it back due to " new '' evidence. 
I have provided documentation to prove that it was fraudulent activity even the credit company had statements with the wrong address. It even went to the point where the company tried to sue me but did not show up to the appointed court date of XXXX XXXX, 2016. The judge recommended that this would be thrown out because the prosecutor, XXXX XXXX, was absent to the hearing. 

Also Experian provided a false document to the Attorney General about the investigation that seemed generic at best. Experian even went as far as to reference a XXXX XXXX which is on page XXXX of the document Experian Attorney General ( not sure who XXXX XXXX plays in the picture ). I am assuming that the people at Experian use a cookie cutter letter that they send out to dispute and not really take the time out to examine the matter. 

If that is the case, Experian should be punished for neglience because people lives are at stake.

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 10/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: Opened a checking account at Citi branch location XXXX XXXX, 2016. Wrote a check from an existing account at another bank to establish balance. It was deposited in my presence that day. Requested checks for the account, was told they cost ~ {$29.00}. Explicitly asked bank employee if I should pay for those, he said no, it will just be deducted from the checking account. The originating bank shows my initial deposit posting XXXX XXXX. Six days ( four business ) later, the checks were charged to the checking account, but the initial deposit was still not " available, '' resulting in a {$34.00} " insufficient/unavailable funds fee '' on top of the price of the checks. Called customer service, they were unable to reverse the fee.

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 05-03-2015 about Credit card () with U.S. BANCORP (WI).
Issue: Advertising and marketing

Complaint: I have signed up for US bank Visa for XXXX XXXX which as their main benefit offered XXXX night free on all awards. The fee is {$75.00}. I would like the refund of my fee, because they discontinued this benefit. US bank refuses.

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