milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2015 about Other financial service (Credit repair) with Park View Credit (NC).
Issue: Excessive fees

Complaint: Signed up with Park View Credit to repair credit on XXXX XXXX, 2015. As of XXXX XXXX, 2015, they have not done anything. I was told by XXXX XXXX that the {$59.00} XXXX fee to pull credit ) would be deducted from fee of services. The price that I was given by XXXX did not include a deduction of the {$59.00}. XXXX XXXX said it would take 45 days but, as of XXXX/XXXX/2015, they have not done anything. This company has received {$400.00} and have failed to do what their contract states.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2016 about Credit reporting () with CORELOGIC INC (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Hi my name is XXXX XXXX and been trying to contact those company who put all of the credit inquiries on my report asking them for prove or any documentation that i authorize of those inquiry but it 's been more than 5 months and so may letters i send. and I can get any response from them please help me cause they were not answer for me and I hoop they answer for you either let them remove those inquiries or I supply the documentation that show that I requested of those Credit I need your help thank you so much. 

( note ) i sending you copy of some of thats letters me to them and letters they response I got from them to support my claim thank you so much again. and one of those companies does n't even exist because I have a return certified mail back to me telling me that they are not they do n't exist but they still show over my credit report as inquiry.

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 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My TransUnion credit bureau was pulled by  XXXX   XXXX  on  X/XX/2014   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

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 04/26/2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Late fee

Complaint: I currently have a card open with JCPenney through Synchrony bank. On XXXX XXXX, I submitted what I thought was my full minimum payment of XXXX. I asked the cashier to confirm the amount and she said that she could not. I am now being charged a XXXX late fee because according to Synchrony I still owe XXXX of my minimum balance ( because it was really XXXX that I should have paid. ) Also according to Synchrony I did not make a payment. So now I have a late fee and a black mark ( my account is now delinquent ) on my record because Synchrony is citing privacy concerns that will not allow the cashiers at JC Penney to confirm the minimum balance due ; essentially they are setting it up so that the customer accumulates lates fees.

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 12/15/2017 about Debt collection (I do not know) with HOVG, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX claims I have outstanding debt with them. This is a liability that they are fraudulently attempting to collect from me. I assume the result of identity theft. I have never heard of them, or of the original creditor ( XXXX XXXX XXXX ) that they claim the debt stemmed from. I have never been contacted by XXXX XXXX XXXX, and the first I heard of XXXX XXXX XXXX is when I learned of the derogatory remark on my credit report. They have NEVER even attempted to contact me. 

On XXXX/XXXX/XXXX, I submitted a dispute through their website. They have yet to respond to me, as they know they have acted with reckless disregard and are at fault. See attached for confirmation of the dispute I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Checking or savings account (CD (Certificate of Deposit)) with GOLDMAN SACHS BANK USA (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I had a CD with XXXX XXXX, that was transferred to XXXX XXXX. I was told everything would remain the same, and for two years it did and I was very happy with them. This happiness induced me to open two more Cds with them for a total of three. The latter two CDS were opened with Goldman Sachs. My problem began when they began Using XXXX/Goldman Sachs and transferred these cds to them My problem began when in XX/XX/XXXX they changed my user name to my email address, without any authorization, and will not let me log in without sending to my email address a pin every time I want to Log into my account. I have complained to them numerous times about this problem. 

Today I filed another complaint with them and this time I insisted on a case # XXXX, with a person who said his name was XXXX who refused to provide his last name or employee ID # who said he worked in the XXXX XXXX XXXX Utah office. On the other occasions I complained they sent no written correspondence to say the complaints had been received. Today I requested a copy of my complaint and case # be sent to me. I was told sorry they can not do that. There is simply something very wrong with this situation. 

This use of email address as a user name and forcing people to accept this and logging into a site that is not secure like a bank is supposed to be is absolutely absured and not what I agreed to when these accounts were opened. 

Email can be hacked thus exposing my information to anyone that would hack or intercept an email. I DO NOT WANT MY BANK ACCOUNT NAME TO BE MY EMAIL ADDRESS, It then would let the hacker get not only information to these accounts but all linked accounts. I feel very unsafe with this institution, before they were very nice and responsible now they are HORRIBLE. Even their customer service and accessibility sucks too now.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed an identity theft dispute for a card w/all XXXX bureaus at the same. Included my info + FTC identity theft report. XXXX and XXXX quickly investigated and removed the card. Experian has continually lost my paperwork info/constantly closes the disputes saying the credit grantor does n't know how to contact me to discuss the identity theft when I SENT THEM PROOF OF A CERTIFIED LETTER +THE CREDITOR 'S RESPONSE TO SAID LETTER. Every time I re-open the dispute they ask for the SAME PAPERWORK I have already sent AT LEAST 3 times both via certified mail and now on their website. ( Which it took months to get it to actually work for the document uploads without giving me an error. ) Every time I call the lines are busy, and I just keep getting these mailed responses telling me to re-send all the documents I have already sent 3 or 4 times both physically and electronically. And to also reach out to the credit grantor. ( Even though I sent proof of already doing so. ) Throughout ALL of this they have not actually investigated the actual identity theft even though there 's tons of proof behind my not taking out the card. I sent them a letter explaining the situation, including the fact that some phone numbers, addresses, and employment on my report along with the card were from that very same identity theft. So of course they remove the phone numbers, addresses, and employer ( removing the evidence, but not the actual issue ) but leave the card and ask for all the paperwork I already sent yet again. 

I am so beyond done with this. There 's only so many times I can re-send information before just assuming a company is completely inept, especially given how quickly XXXX and XXXX resolved the issue. I can not believe that this company is still considered one of the " big XXXX '' credit bureaus in the United States. How laughable.

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 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: This is a continuation of Case #  XXXX .   XXXX    XXXX   XXXX   XXXX   XXXX  not respond, which is part of the original complaint. Very distressing, and appears intentional.

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 Vehicle loan or lease (Loan) with Coastal Credit, LLC (VA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I purchased a used vehicle in XX/XX/XXXX, then got a divorce and my child support impacted me being able to pay for my vehicle around XX/XX/XXXX and called to voluntarily turn the vehicle in. They had the vehicle picked up and said they would send it to auction and I haven't heard from them since XX/XX/XXXX. Now in XX/XX/XXXX I receive a subpoena to court and reports to my credit that I owe them a balance of $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Billing disputes

Complaint: Over {$7000.00} of fraudulent purchases were applied to my account. 
The purchases were with XXXX merchant, XXXX XXXX House. They are a mail order DVD service. I have never done business with XXXX XXXX House. 
I submitted all the information Bank of America required to file a claim. 
Bank of America has not credited my account. 
Worse, it is impossible to reach their Fraudulent Services department. They provide a phone number to contact them, but I have to wait hours on hold before anyone will answer the phone. When I get a representative, they tell me a supervisor is required. I am then put on hold for hours again. It seems if the system is intentionally designed to discourage and prevent cardholders from resolving fraud claims.

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 05-12-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I have a charge for {$51.00} on my  AMEX  Serve Card that I attempted to dispute with card. I had previously attempted to reach merchant several times via email and phone. I was unsuccessful in reaching merchant. Due to extenuating medical circumstances and failed contact with merchant, on  X/XX/17    I reached out to  AMEX Serve Card  to dispute charges for items not received from the merchant. The Card company agent me informed that too much time had lapsed and that could not dispute my charges due to there system would not allow them. I requested the call to be escalated, nevertheless, the Card company agent continued to overlook my concerns. The agent  XXXX , identified herself as a Account Manager but could not provide me with a physical address to write my dispute regarding my claim. The agent told me there was nothing she could do because the computer system would not allow her. I again requested that my issue be escalated to a higher level. She claimed she was going to transfer me to another  manager  but then the call was disconnected in the so-called transfer process. This is not a line of credit, this my own money deposited on this card, and I 'm being denied opportunity to have issue addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (I do not know) with Coastal Financial Solutions, LLC (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: VM was left on my friends phone by XXXX XXXX from Coastal Financial Solutions - called a reference of mine from something I supposedly did - and told them basically if they could not get in contact with me they would begin the legal process against me in court in the county I live - stated county.. left a case number to reference - XXXX - and XXXX numbers - XXXX ext XXXX and then a direct line - XXXX - this call was on the XXXX or XXXX of XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Vehicle loan or lease (Loan) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: This month, on XX/XX/XXXX, my loan payment of {$450.00}, which was due on XX/XX/XXXX, was mailed to Navy Federal Credit Union by my bank XXXX. Navy Federal Credit Union said that they did not receive it until XX/XX/XXXX. I normally order payments from my bank to be sent 10 days before the money is due.
This problem has occurred twice before within the last year, and I believe that Navy Federal Credit Union is delaying the processing of incoming checks rather than marking them paid on the same day that they are received. I would like an investigation of their bill processing practices, since I think that 9 or 10 days should be sufficient time for checks to be mailed and processed in. 
I asked to speak to an upper level manager of XXXX XXXX XXXX, but the supervisor with whom I spoke refused to transfer me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (Medical debt) with AR Resources, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, 2017 AR Resources placed an account for the amount of {$1000.00} on my credit report in violation of the Fair Credit Reporting Act. AR Resources failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account AR Resources is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Portfolio Recovery in earlier XXXX after I became aware that they were the collection agency that own XXXX of the XXXX accounts listed on my credit file that do not belong to me. As of today I have n't received any of the requested information, although the letter was delivered XX/XX/XXXX XXXX? XXXX. 
According to the information being reported in the account which was supposedly opened in XX/XX/XXXX with a date of first delinquency of XX/XX/XXXX, unfortunately without the assistance Portfolio Recovery, I can not take any concrete steps to have the inaccurate information remove from my credit file. Not only the company ignore my request, the debt was validated with XXXX on XX/XX/XXXX reported as if it was a new delinquent account. 
I recently start new monitoring services with both XXXX and XXXX, I have received multiple alerts that I recently fall behind on payments ; however after I logged into my account, I could not find the source of the alerts without buying a new credit report, since I already get my free report for this month. This morning I received an alert from XXXX after carefully review my report I realized that the reason I was getting this alert with affected my credit score is because the disputed charges were being validated and reported as if they were not only valid but delinquencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/29/2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Billing disputes

Complaint: On XXXX XXXX, XXXX my husband and I made concurrent purchases on our credit cards XXXX. We made these purchases on a 36 Month promotion plan, as long as these payments are made on time no interest is to be charged to the account. We have made all payments on time. To date my husbands account is charged {$22.00} per month interest. When I contact the bank ( synchrony bank @ XXXX ) they tell us to go to XXXX and talk to them and XXXX has to send them information in order to make this correction. We have been to XXXX 6 different times to no avail ... ... they will tell us the information has been sent to synchrony bank and it will be reflected in our next XXXX3 statements, and it never has been. XXXX however has never discredited the fact that this was purchased on a 36 month promotion and there should be XXXX interest charged to his account. They say they do n't understand why we are still paying interest on a 36 month promotion. When we contact synchrony bank they tell us they have not received this information and again they tell us to go back to XXXX. We as consumers feel it is time for this game to be over. I MADE XXXX LAST ATTEMT TO TRY AND RESOLVE THIS MATTER ON SATURDAY XXXX XXXX, XXXX. I contacted synchrony and spoke with XXXX a supervisor there explained the situation again even going to XXXX 6 times and XXXX said go back to XXXX they are not showing this is account on a promotion. I contacted XXXX by phone @ XXXX and spoke with XXXX ( that is the name I was given ) I explained everything else to her again and I was told someone would call me back ... .well no one ever did.We are tired of playing this game and are certainly not going to loose {$310.00} in bogus interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: CitiBank Advantage card abruptly cancelled my card stating that I had " unusual payment '' history. When they refused to explain what that meant, I escalated to the office of President and CEO ... eventually finding out that is was because I paid my bill in cash. I was an " A '' rated customer ALWAYS paid on time. I offered to provide bank statements as to where the cash came from ( withdrawal from my checking account ) of XXXX some years ... and they flat out refused. They have tagged me as a person who can not have a CitiCard in the future. I maintain large balances at CitiBank, I have been approved by the XXXX ( in order to get a XXXX ) ... have an excellent XXXX own a home, lease a car..etc and ... I explained that I felt like a dolphin who got caught in a tuna net ... and would they please re examine, that I would provide any and all supporting documents or statements they would like..and it was a flat out " NO '' ( only real reason I cared ... .because I earned XXXX XXXX XXXX ) but it was wrong all together. 
To add insult to injury, in the midst of the dispute, as I awaited a response, I was late in that XXXX payment ( waiting to see how they wanted me to handle the balance since card was cancelled ). Although I paid balance in full ( $ XXXX dollars ) they reported that as a late payment to the credit bureaus and have refused, even as a one time courtesy ( an only time ) to remove it. 
I reapplied for the card a year later ( only for the XXXX milage ) and was refused. I have XXXX gold and platinum, so I do n't think I 'm much of a credit risk ... .after many phone calls with them ... it turns out that they have marked me much like someone on a " no fly '' list. 
It comes to mind every time XXXX as they advertise HEAVILY for Citi Advantage card ... .and I fly a lot.

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