milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (MO).
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: First Progress Platinum Credit Card states I have a balance of {$250.00}. 

The Credit Card I have is a Secured Card with a Cash Balance of {$300.00} To Secure the Credit Card. First Progress never made a refund of the {$300.00} Cash I paid to Secure the Card. 

There for I should have a Refund of {$46.00} returned to me with a XXXX Balance. 

First Progress kept the {$300.00} and reported to all Credit Agencies that I owe them outstanding Balance of {$250.00} but they forgot to State they Kept My {$300.00} I paid in the Beginning to open the Account. 

I want an Investigation into the Fraud they have committed in keeping My {$300.00} I already paid them. 

In Conclusion I want them to report to all 3 Credit Agencies I have A XXXX Balance and a Refund of {$46.00} Owed Me. 

Waiting for a reply, XXXX XXXX XXXX Account Number Credit Card : XXXX expiration XX/XX/XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Other financial service (Credit repair) with Park View Credit (PA).
Issue: Fraud or scam

Complaint: I was scammed by Park View Credit. I was having a difficult time buying a house because of a foreclosure on my credit report and another item. On XXXX XXXX, 2015 Park View Credit called me and promised they can remove the foreclosure and the other item off of my credit for a fee of only {$350.00}. During a long phone conversation, Park View Credit promised me they would refund me the {$350.00} if they ca n't remove the foreclosure and the other item off of my credit. Park View Credit also promised me that they can remove the items off of my credit in two to six months for the same {$350.00}. Park View Credit offered me an optional service for {$89.00} after the first two months. I made it clear to the sale representative on XXXX/XXXX/2015 I did not want the optional service for {$89.00}. 
Park View Credit told me that I will receive letters from them and from the credit reporting agencies that show that they have been working to remove the items off my credit. I did not receive the letters from Park View nor did I receive any letter from any credit agency. I checked my credit and the items are still under my credit report. 
On XXXX XXXX Park View Credit started charging me the optional {$8900.00} that I said I did not want. I called customer service and I was told that Park View Credit has not removed the foreclosure off of my credit. I was told if I still want them to remove the foreclosure I will have to pay them the {$8900.00} until they can remove it. I canceled the service for breach of contract and requested a refund ; Park View Credit refused to refund my money. 
Park View Credit lied to me over the phone ; they lied to me to trick me into signing up for a service that they never had any intention of delivering. Now they tell me that they ca n't remove the foreclosure and the other item off of my credit but they are not refunding my {$350.00} plus the additional {$8900.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: An account that was deleted off my XXXX and equifax credit report was re-inserted and put back on my credit reports. This account ( XXXX XXXX XXXX XXXX ) was removed now upon checking my reports it is showing as accounts that are closed and as a charge off. XXXX has it listed under accounts that are closed and marked as needs attention ( which is wrong ). This account was completely removed off my report as it was suppose to be ( according to corporate office over at XXXX XXXX XXXX ). Equifax has it listed just as a closed account but upon reviewing the closed account it shows charged off. This account was completely deleted off my reports and now re-inserted into a different spot. Once deleted they are not suppose to re-insert.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Medical) with Michael Harrison, Attorney at Law (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The XXXX department was paid after I had an auto accident by XXXX insurance PIP coverage. They are attempting to double bill me to collect an additional {$230.00} which is not owed. I received a collection letter from XXXX XXXX in XXXX, NJ. The representatives refused to identify themselves and they are accessing my private information which I did not authorize. 

Any person accessing private information for my security and that of my family should be required by law to identify their fist and last name. I was hung up on by a person called XXXX XXXX who was a supervisor if that is indeed her name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/22/2018 about Mortgage (Conventional home mortgage) with UNITED COMMUNITY BANK (FL).
Issue: Trouble during payment process

Complaint: United Community Bank , Inc. ( UCBI ) took over XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had my mortgage payment on automatic payment from my account with XXXX XXXX. I have NEVER been late with a mortgage payment. On XX/XX/XXXX I received a threatening letter from UCBI saying my XX/XX/XXXX payment was past due and they may report me to Credit Bureaus ( caps used ). 

XXXX had withdrawn my payment from my account of XX/XX/XXXX. 

In addition to this letter, I received two letters from UCBI threatening to place forced flood insurance in one and forced hazard insurance in the other. Both letter said my insurance had expired. 

I checked with my insurance carrier, XXXX, and was told my food was in full force and due for renewal XX/XX/XXXX. The hazard was in full force and due for renewal XX/XX/XXXX. 

I feel UCBI sent these threatening letters rather than using XXXX XXXX XXXX 's records to change declaration page. They took over the bank and its records and customers, we didn't volunteer. 

I don't know if any law was broken ; however, they are not treating former XXXX XXXX XXXX XXXX customers well.

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 02-02-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Continues to attempt to collect Zombie debt after the statute of limitations in the state of California. I submitted a formal request asking this debt be removed from my credit report and they did not respond nor did they remove it from my Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: i try to login into my transunion account to access my credit file and check the status of open disputes. every time i try to i get an error message saying that my file ca n't be accessed due to data provided. I have had the same account info for many years and the system shows me logged into my account. When i call in to the csr dept they tell me its nothing they can do. I want someone to tell me if there is an alert on my account that i 'm unaware of or why when i 'm denied credit i 'm unable to obtain a copy of my credit report that is entitled to me by 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 12/13/2015 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Using a debit or ATM card

Complaint: Re : Non Receipt of Cash at XXXX ATM-Amex Debited Checking Acct Chronology of Events 1. XXXX XXXX 2015- Requested {$700.00} cash from ATM but did n't receive cash. Received a receipt stating I exceeded the daily limit allowed. 
2. Called Bluebird Amex and spoke to customer service rep XXXX ID # XXXX in XXXX XXXX XXXX Utah and informed him of what transpired. He then informed me to email or fax the ATM receipt along with a statement of what occurred to the Prepaid Dispute Processing Dept. 
3. I also spoke with customer service rep XXXX ID # XXXX. She also explained that the investigation what take approximately 10 business days, and in the interim I would receive a provisional credit of {$700.00} 4. I informed XXXX this was an emergent matter that needed to be remedied ASAP as it 's affecting my ability to pay my rent for XXXX and other financial obligations. 
5. I faxed and Email my letter to the PDPTD on Friday XXXX XXXX, 2015 and was received on Monday XXXX XXXX, 2015. 
6. XXXX XXXX 2015- Spoke with XXXX-XXXX Branch Administrator and explained the situation I experienced with their ATM and he requested that I fax a copy of my ATM receipt to his attention. 
7. XXXX XXXX 2015- Spoke with XXXX to follow up on ATM receipt I faxed him yesterday and he informed me after examining the receipt that the ATM rejected my request for {$700.00} due to it exceeding the maximum daily request. He also pointed out to me at the verbiage at the bottom of the receipt where it states in part " REQUEST EXCEEDS DAILY LIMIT '' as proof and evidence that the ATM never disbursed the {$700.00} cash that was requested. 
8. Spoke with XXXX, Acct Mgr. to get an update of situation and was informed that I my account would receive the provisional credit on XXXX XXXX 2015. 
9. Also later spoke with XXXX-Amex Bluebird Cust Svc and informed her of what I had been told by XXXX Mgr.-Vito about the ATM situation. I also gave her XXXX 's phone number to contact him to verify what was told to me and she informed me that she would notate the information and forward via email to the dispute processing department. 
10. XXXX XXXX XXXX Received email from Prepaid Dispute Processing Dept. stating that investigation was completed and it was determined that no credit is due and the transaction will remain on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been notified from Equifax that my information was compromised and I am requesting that XXXX credit inquiries be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do n't recognize inquiries on all  XXXX  credit burea I filed on  XXXX   XXXX  and  XXXX   XXXX  have not applied for anything on fix income spoke with all  XXXX  bureau or company and nothing is done they continue to say it 's not there problem that a inquiry is facts and thats not correct I 'm just tired of trying to get this correct and no one wants to help me please help me I am trying my best  XXXX  bless you

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XX/XX/XXXX I got a letter from the Department of Human Services telling me that when I submitted for my kids chips my information was breached. I immediately have a previous ID theft alert ( from another information breach ) updated with all XXXX credit reporting agencies. In XX/XX/XXXX I got something from Homeland security telling me the same thing because I am a FEMA certified adjuster. I sent a copy of this item also to the agencies. I found out ( When I was trying to get a mortgage that I was turned down for due to these inaccurate items ) that all three agencies allowed XXXX other items that were fraud on my credit file for 8.5 years instead of 7 and there are countless inquires and medical bills that reoccurs on my credit. Every time I write in concern of the inquires I get a letter back telling me that these items will remain 2 years even though I sent in proof that they were fraud. I also sent in proof of my XXXX insurance dating back to XX/XX/XXXX and all of the invoicing associated with my plan for those years as proof that the medical items that were on my report were fraud because they didnt match any of the visits under my itemized plan. I keep getting letters back from the agencies saying that the items were verified and will remain. I called the creditors and asked what documents they sent the agencies so that I can get a copy for the police. They told me that they only sent over itemized invoices with not signed documentation. I called and wrote the agencies asking them how can they dismiss my proven legitimate documents over invoices from a creditor. Still the items were allowed r=to remain. Not only these items but the inquires also are bringing my scores all the way down. Even my oldest daughter XXXX XXXX XXXX XXXX/XXXX/XXXX Has bills on her credit file starting from when she was only XXXX and they were allowed to remain. My son XXXX XXXX XXXX/XXXX/XXXX has a medical debt on his also ant it was allowed to remain as well. They are both under my plan and has been since XX/XX/XXXX and prior to that they were on XXXX ... They were part of the initial fraud alert back in XX/XX/XXXX. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity as well as the identity for my XXXX children as proof. I an working storm claims so I dont have a copy of the letters from DHS or FEMA on this computer but they should be easy to obtain by your agency. Also the credit agencies has a copy from back when I mailed them to them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Carrington contacted me to refinance my loan with them and I agreed, they pulled my payment history with them and approved the refinance, I submitted everything and was told we would close before the end of XX/XX/XXXX. Meanwhile, they had held my XX/XX/XXXX payment which was made on the XX/XX/XXXX for {$1000.00} and put it in an " unapplied category '' and did n't tell me my payment had went up {$52.00} for escrow.. Carrington said they notified me by mail but I never recieved anything.. So they showed I did not make my payment. They have since reported this to the credit bureau that I was over 30 days late with my payment ( dropped my excellent standing to below average ) and have since disqualified the refinance because of a late payment. I have the printouts from my bank that I have paid my loan every month for the 10 years I have had it. Even their website shows the payment but not applied to anything. My original mortgage was with XXXX and they sold a block of notes to Carrington a few years ago. They treat people terribly, like criminals trying to collect money. They results of theire actions have been very detrimental and I think criminal. I have worked hard to have my credit rating and they have abused the power they have. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: as a result of fraudulent actions i have 11 inquiries that i did not apply for when i asked the companies in question i was told to contact the credit agencies when i did so they told me to go back to the creditors at this point i need these fraudulent inquiries removed they are not connected to any accounts on my file. 
1..XXXX XX/XX/XXXX 2.XXXX  XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX  XX/XX/XXXX 10.XXXX  XX/XX/XXXX 11XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with Capital One or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: someone is using my identity in XXXX Tx. Ive never been to texas. I live in Florida. I 've complained to all the credit bureaus and nothing has been done. I notified the companies involved and they did nothing either.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (Auto) with U.S. Auto Credit Corporation (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had to have auto repairs and I have done this before. It was known that I have 15 days to make payment and I 'm not even 15 days yet. They call me at least 5 times a day, now they contact me email and my job. This happens frequently, and it is a used car but repairs have officially be completely done. It makes you not even want to make the payment. They call and have attitudes when you ask for extension. It is getting out of hand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing

Complaint: I have XXXX XXXX XXXX card that I use for business purchases/expenses. XXXX of the main reasons I use this card is because I can defer the payment for 60 days. Over last few months because business being slow and other reasons my credit utilization debt/credit ratio changed. In the mean time an executive from XXXX visited me at the office and actively encouraged me to use the card more and was told verbally that he would see to it that my line can be bumped up significantly to XXXX. After next few days I get notified that my credit limit was reduced to {$31000.00}, and future charges were being refused. I have always used the deferred payment to manage my cash flow. My card payments were according to the terms that were promised, I do n't mind if they reduced my credit line ... but I just saw that they have deemed my account past due and in a suprise move taken away the deferred pay option. They want me to pay all balance by XXXX XXXX, which I believe is not correct. I wanted some XXXX to contact them on my behalf and resolve this before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Debt collection (I do not know) with Commercial Recovery Systems (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I keep getting collection calls for a " XXXX XXXX XXXX '' ( have only heard it, so it might be spelled differently ). I am not this person, nor related to this person, nor know this person. I have called the company before and told them they have the wrong person. However they continue to call and have called for more than a year now. <P/>Here is one of the latest voicemails from ( XXXX ) XXXX, XX/XX/XXXX XXXX XXXX : " This message is solely intended for XXXX XXXX. This is XXXX calling you from CRS. This call is in regards to a legal matter that has been linked to your name and social. If you 'd like to make a formal statement, please contact our office at XXXX. Make reference to case number XXXX. '' Another voicemail from ( XXXX ) XXXX, XX/XX/XXXX XXXX XXXX : " We 're calling today with XXXX XXXX XXXX looking to get in touch with XXXX XXXX XXXX. It appears we have a scheduled delivery of sealed legal documentation that requires a signature and form of id. We will be out between the hours of XXXX and XXXX tomorrow XXXX. If you 'd like to reschedule or have any questions please press 1 and a live representative will be right with you. Thank you. '' Another voicemail from ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX " We 're calling today with XXXX XXXX XXXX looking to get in touch with XXXX XXXX XXXX. It appears we have a scheduled delivery of sealed legal documentation that requires a signature and form of id. We will be out between the hours of XXXX and XXXX tomorrow XXXX. If you 'd like to reschedule or have any questions please press 1 and a live representative will be right with you. Thank you. '' Other phone numbers used with similar messages : ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX I told them they had the wrong person on XX/XX/XXXX. I was told they would remove my number.

Company response to consumer: Untimely response
Consumer complaint received 04-02-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Problems when you are unable to pay

Complaint: I purchased a Vehicle ( XXXX ), which I received auto loan through Santander Consumer USA In XXXX from XXXX In XXXX NY. The car only had XXXX miles, after 1 yr engine blow and they told me I was XXXX miles over my warranty. So I voluntary surrender the car because an new engine would cost XXXX and I would be paying more than the car was really worth. The car was then re-sold, and it was charged off by Santander and they sold the account debt a company called second round and it is now really affecting my credit report. I have reported this to the credit agencies and this is still coming up.

Company response to consumer: Closed with explanation