milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2016 about Prepaid card (Other special purpose card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Managing, opening, or closing account

Complaint: I 've complained before about these rebate/reward cards and the fees because traditionally a fee comes with a service and they provide zero service. They take a monthly fee for what, not using it, kind of backwards logic but of course makes banks rich while robbing consumers. 

This complaint is not about that though. So I tried to use XXXX of my cards and it was denied presumably because I did not have the full amount available on the card which is XXXX point # 1. So you ca n't use the balance and pay the rest with another means of payment??? 

For convenience and so AMEX does n't miss responses which they traditionally do, that is question XXXX and I 'll make a list : 1 ) Can consumers pay with a reward card and even if the balance is not available for full payment, apply a partial payment? If not, why, too technically advanced for banking??? 
2 ) I would love to know how many cards other than being robbed with the fees, end up with small balances that never get used because you ca n't go over with the purchase??? i would basically like to know the possibility/probability of using down to the penny. 
3 ) To top everything off, I was charged a {$1.00} fee for attempting to use the card and for what??? 

This is just more ripping off the consumer to make millions and millions in profit ... In processing the note was that AMEX denied the charge, not the processing company, AMEX so this is their issue, their shortcoming, their greed ... 

The card number for reference is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I REQQUESTED VERIFICATION OF DEBT FROM XXXX ACCOUNTS WITH CENTRAL FINANCIAL CONTROL AND WAS NOT PROVIDED WITH DEBT VERIFICATION. ALSO, I PAID THE DEBTS HOPING THAT I WOULD RECEIVE DEBT VERIFICATION ON THE FOLLOWING ACCOUNTS : ACCOUNT NUMBER : XXXX - PAIDACCOUNT NUMBER : XXXX - PAIDACCOUNT NUMBER : XXXX - PAIDI WANT TO KNOW WHY I WAS NOT PROVIDED WITH DEBT VERIFICATION AND PAPERWORK AS REQUESTED. ALSO, I WOULD LIKE THESE PAID COLLECTION ACCOUNTS REMOVED FROM MY XXXX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is still ongoing, Trans Union spliced my credit with someone elses, using my social security, with another persons name and bad credit .I have been trying for almost 2 months to get my credit back in order .I have sent all requested paperwork XXXX times .Nothing has been done .I call XXXX times a week just to find out nothing has been done and I always get the same answer 5-7 days.After the XXXX Nothing has been done .I 'm trying to get a mortgage and ca n't because of this .I 'm going to be homeless in XXXX .if I ca n't get this fixed .If documents are needed I prefer to mail them because of sensitive info

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Credit card) with Platinum Holdings Group, LLC (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been receiving harrassing phone calls since XXXX XXXX 2016. The person calling stated they are from Platinum Holdings aka Premium Asset Services aka PAS LLC- from a man with the name of XXXX XXXX . He uses threatening and vulgar language. He is very combative on the phone to the point of belittling you. He has stated that I owe roughly {$7000.00} to them from an old XXXX XXXX credit card account. He stated that I had until next business day to pay or I would encounter a law suit. When I told him I did not have that type of money and that I would need to speak with my spouse about this issue he stated " You didnt speak with your spouse when you rang up this debt. '' then continued to ask me " Where are you going to get money to pay me by tomorrow '' He has also gone as far as to call other part of my family and threatening them as well, calling my mother " a XXXX like her son ''. This type of abuse should never be allowed to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made :  XXXX   XXXX   XXXX  - Account #  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 09/20/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: XXXX XXXX, XXXX charged me a total of {$4800.00}. This company charged my card and failed to provide any services. Since charging me they have not even called me back. I actually tried to call them on multiple occasions and they never returned the phone calls. I received absolutely no services from this company and want my funds returned back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Wells Fargo continuously calls my mother 's work number every day and leaving messages harassing her for payment.

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 07/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ditech Financial LLC (DE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Greentree is illegally boosting my balance to collect more money on a collection than I owe. I have attached XXXX copies of my credit file page showing Greentree 's loan. In XX/XX/XXXX they showed a XXXX balance but listed that it was transferred to another lender. In XX/XX/XXXX they showed the balance of {$210.00}. When I called to pay this amount, they jacked up what they said I owed to {$810.00}. 
The Fair Credit Reporting Act provides that a creditor must report accurate data to the credit bureaus or remove the account. 
Sec. 623 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
If the {$810.00} is a correct balance, then Greentree committed willful negligence when it reported {$210.00} to the credit bureaus on XX/XX/XXXX. 
Regardless ... boosting a balance from {$210.00} to {$810.00} in 30 days is illegal and unethical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Other

Complaint: Ihave a capital one credit card and they keep charging a intrest charge on my statment evry month even when i pay my full balance. In there own statment you have a 30 day grace period. I have contacted them and asked them to correct the promblem but it is still continuing. After i recieve my stament i remove the intrest charge and pay the balance i owe and right under the intrest why? I have been keeping a close watch on this but if its happenig to me how many other poeple have not and are paying intrest when they should not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2015 about Credit card () with U.S. BANCORP (TX).
Issue: Transaction issue

Complaint: Went to the credit card companies website to make a payment. I submitted the payment and the response from the website was the transaction " timed out '' please visit our site at a later time. I logout out came back, later and tried again. This time the message was, we are experiencing technical difficulties. please try again later. I did and got the same message. When to check my checking account balance and the transaction was posted XXXX times. Called the XXXX number on the back of the card. Operating asked me which of the transfers were to be reversed and I told her the last XXXX. I asked how long it would take to have the funds returned and she said, " depending on the backlog, between XXXX and XXXX days ''. 
I found this situation unacceptable. Want to let other know of the issue I was having.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Billing disputes

Complaint: A chargeback was issued for an unauthorized credit card charge, and chase did not help me resolve the case. I have since refused to remit payment for this charge on the grounds that it was not authorized, and I asked chase to cease contacting me. 

Since I requested a cease of communication, I have been contacted an additional 12 times. I consider this contact harassment and have notified each of their agents to contact me as such. A company like chase should not be allowed to ignore the law when it comes to unauthorized charges, AND harassment. That is highly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 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 . Bank  of Ameri  ca/ MB  NA does not respond adequately, which is part of the original complaint, and the continuation of the problem since 2016. ( I asked for communication from assigned representative of Bank of America/ MBNA in 2016. Never received. I was instructed to write to another department at Bank of America/ MBNA . Again, no reply. I was told no negative actions would occur to me while in this process Bank of America/ MBNA set forth. Negative actions occurred, causing distress. ) Bank of America/ MBNA continues to cause additional distress, and it 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 02-09-2017 about Mortgage (Conventional fixed mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I wanted to buy a home.I shopped around a lot for the best rate.I authorized 3 companies to pull my credit. I went from an 814 credit score to a 740. I have no debt except the house.Several companies pulled my credit after I specifically told them not to as it would affect my XXXX score for some reason I do not understand.XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX were not authorized.One online one I closed the page the minute they asked to run my credit & they still checked my credit.Its a way to ruin our credit to make a higher interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Credit determination

Complaint: I OPENED A SYNCHRONY BANK CARE CREDIT ACCOUNT SOME YEARS BACK THEY NEVER SENT ME THE CARD BUT ALLOWED ME TO PAY FOR VET SERVICES THAT DAY I REQUESTED A CARD THE FOLLOWING YEAR AND THEY C CLAIMED THEY SENT IT AND DID NOT SUBSEQUENTLY THEY CLAIMED EACH CARD SENT WA S A NEW ACCOUNT AND ALTHOUGH I HADNT HAD A LATE PAYMENT IN YEARS THEY CLAIMED LATE ON 5 ACCOUNTS WHEN IT WAS ONLY A CARD CHANGE SINCE THEY REPEATEDLY NEVER SENT CARD THEY HAVE DAMAGED MY CREDIT I NEVER HAVE LATE PAYMENTS ON ANYTHING XXXX NY 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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This complaint is in regards to a tradeline being reported on my TransUnion credit report as XXXX XXXX XXXX. Per the Florida Attorney Generals Office, this loan is in violation of the The Florida Consumer Finance Act, which prohibits a lender, regardless of their location to offer loan products to residents of Florida without holding a state issued license to do so. According to the Florida Office of Financial Regulation 's Division of Consumer Finance, XXXX XXXX XXXX does not hold the required legal license to provide loans in the state thereby making this tradeline invalid by law. Continued reporting of an invalid account is a direct violation of the Fair Credit Reporting Act.
I have disputed this tradeline repeatedly with Transunion only for them to send an e-validation to the lender to confirm my name and address, never investigating the validity of the alleged loan with the appropriate agencies as I have outlined above. This invalid tradeline is being reported illegally by an unlicensed lender and Transunion continues to refuse to effectively investigate this fact, willfully disregarding FCRA requirements.
I am again requesting CFPB assistance in enforcing federal law and having this illegal tradeline removed from my TransUnion credit report. XXXX XXXX XXXX is an online Tribal lender who is not licensed to provide loans in FL. They are illegally reporting this invalid account in an attempt to extort payment from me and TransUnion refuses to perform a simple validation with the appropriate agencies that would confirm this fact. I demand that TransUnion either permanently remove this item from my credit report, or provide evidence that they have validated this lender 's legal ability to enforce this alleged account and it 's reporting.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

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 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MI).
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: I have been going back and forth with Discover Card for the last 3 months. I have lost at least 1.5 days off of work having to talk with different departments within Discover Card company. Beginning in XXXX, 2017, through XXXX, 2017 ; I found that my card was charged over XXXX in charges to one merchant ( XXXX XXXX XXXX ). I only found this out when I received an email from the company that my credit card was at it 's limit. I talked with at least 10 representative stating that I did not make these charges over the course of 1 week. I was at first credited the charges on my account, and then after their ( Discover 's ) investigation stated that I am responsible. I then spoke with Discover and asked them what measures they have to protect me if charges are made to my card that are EXTREMELY set afar from my normal uses. Again, I was told that they will investigate. On X/XX/17 Discover credited my account for {$5500.00} stating it is a transfer balance. I received no notice or explanation. They also credited my account for {$780.00} on XX/XX/XXXX. When I seen that they credited my account for the full charges, I immediately paid off any other balance and closed the account. I told them the reason is I had no protection from this company and I was very unimpressed with how they treated me as a customer. Today, I received an email from Discover stating this : This is an alert that you set letting you know when your Discover card account balance is over {$500.00}. Unless your alert amount is set at your credit limit, this does n't mean that you 've gone over your credit line. Balance Alert Amount : {$500.00} Current Account Balance : {$5300.00} Credit Line : {$7200.00} Date Exceeded : XXXX XXXX, 2017 They have now charged my card again, yet a different amount of XXXX. My brother works for the XXXX XXXX and he said, before calling the company again, to seek assistance with the Protection Bureau. I have included the last 5 months statements to show the transactions the company continued to approve and the proof of transfer balances, credits, etc. Any help in getting this resolved would be greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit card () with FIRST NATIONAL BANK OF OMAHA (CA).
Issue: Billing disputes

Complaint: I attempted to file a graduation application during " no fee '' period but XXXX computer system did not work, would not allow me to file. XXXX charged me {$50.00} for graduation fee, but then acknowledged in writing that I was not at fault because their computer system did n't work. Merchant now refuses refund. I disputed charge with card issuer First Bankcard, submitting copy of XXXX fee schedule showing no fee due and the email acknowledging I was not at fault. The credit card person apparently either did n't read my letter or did n't understand simple XXXX, and arbitrarily disallowed my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/18/2015 about Debt collection (Credit card) with Merchants and Medical Credit Corporation, Inc. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: A woman calls up to XXXX times a day and has left several messages on my employer 's voice mail stating that she is calling regarding an unpaid debt. My employer has threatened to relieve me of my duties if they continue to contact me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved out of apartments and paid my last month rent and move out fees. They accidentally applied my payment else where which in turn sent my balance to a collection agency. This happened in XXXX of 2014 and I still can not get it cleared despite them stating they made the error and have said it was fixed twice.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2015 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Late fee

Complaint: I went to XXXX last winter for XXXX months. I Notified my Chase bank that I was going to be there. Unfortunately, Chase has to verify the computer I was using overseas By sending a Email to me. My XXXX email was blocked too for the same reason. Unfortuntely, I was late in making a payment on my Cards ( Freedom Card ) Untill I found some one with a smart phone to call the bank Branch in XXXX Ohio and Made the payment that way. In the mean time, I was charged a late fee of XXXX Dollars do to this Mess. I request that the fee be refunded to me and Give me an easy way to make payments from XXXX, when I go next winter

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/25/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Payment was made XXXX XXXX, 2015 on Bank of America mortgage account # XXXX in the amount of {$2100.00} ( for a regular payment due of {$2000.00} + an additional principal payment of {$150.00} ), well within the 16 day grace period where a late fee is not charged. That payment cleared my checking account with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. 

However, reviewing my Bank of America mortgage statement for Bank of America mortgage account # XXXX, my {$2100.00} payment is noted as " {$2000.00} payment posted '', a {$51.00} late fee was charged, and the additional principal of {$150.00} was not noted. Why was I charged a late fee when my payment, for more than the regular monthly payment was made well within the grace period? 

This appears to be more of the same bad behavior Bank of America has become well known for, settling more than XXXX class action lawsuit, paying a huge penalty to settle each lawsuit. Please see the attachment showing the XXXX XXXX, 2015 {$2100.00} withdrawal from my checking account with XXXX XXXX XXXX XXXX XXXX " Bank of America/TYPE : Mortgage Co ; Bank of America ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: a personal loan company emailed me stating I could get a loan the company 's were fraud the company 's deposited mobile check deposits citibank wo n't help I have been hung up on at least four times I 'm XXXX and citibank did not due due digenge and check my signature card it was two companies XXXX XXXX and XXXX XXXX citibank wants to take my brothers. XXXX check how is he supposed eat or pay rent I have been with citibank since the 90s I expect better from this company and I expect a call a call back since the repesentinel wo n't help I 've contacted ftc aND did a preport I expect help and a call back at XXXX XXXX XXXX or XXXX asap

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