milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Adding money

Complaint: I had setup recurring loads ( {$25.00} ) on my Amex Serve card from my Checking Account through the linked Debit Card. Basically with the idea of saving few bucks everyday. 
I also had a Direct Deposit ( part from my pay check ) getting credited to this account twice a month. 

I also used this for few purchases once in a while and I used this card primarily for Emergency fund and had around {$5000.00} + left in my account. 

And one day ( on XX/XX/XXXX ) i got an email with a subject " Termination Of Funds Loading Capabilities on Your Serve ( R ) Account ''. 

I have no idea what is the issue here. And as the subject says i am not able to load any more funds on my account. 

I was scared there was some issue with then bank and withdrew all the left over money to my bank account. 

They have mentioned that they have " observed unusual usage patterns ''. 

What is unusual here? Loading Money from my bank account? 
or using this as Emergency Fund Account? 

I just need to know the real reason.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Hello, These are charges I did not make, did n't receive anything from and I have no knowledge of :  XX/XX/17    QT   XXXX   XXXX   GA REVERSAL OF TEMPORARY CREDIT Merchandise {$44.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX  E #  XXXX  TX REVERSAL OF TEMPORARY CREDIT Merchandise {$45.00}  XXXX / XXXX /  XXXX     XXXX   XXXX   XXXX   XXXX   #   XXXX   XXXX    XXXX   XXXX  OF TEMPORARY CREDIT Merchandise {$42.00}  XX/XX/17     XXXX    XXXX   TX REVERSAL OF TEMPORARY CREDIT Merchandise {$38.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX   #  XXXX  NM REVERSAL OF TEMPORARY CREDIT Merchandise {$54.00}   XXXX     XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX  AZ REVERSAL OF TEMPORARY CREDIT Merchandise {$53.00}  XX/XX/17     XXXX   XXXX  TX REVERSAL OF TEMPORARY CREDIT Merchandise {$360.00} They tell me to call fraud dept. and I do and they say I 'm not liable then charge me again and tell me to call fraud dept. and that I 'm not liable, charge me again, tell me to call fraud dept. etc.     This happens to be a secured card so it 's even more important to me that my balance be correct before I close it forever.     Thank you.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted an identity theft block to XXXX XXXX and Trans Union. I faxed and sent certified mail the complaint, affidavit, rules, and letter requesting to block the account associated with the identity theft. All three credit reporting bureaus have refused to block it

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other

Complaint: I had a credit card statement balance of {$6400.00} due XX/XX/XXXX I paid it in full on XX/XX/XXXX leaving a zero balance. The next month the credit card issuer sent a bill for additional interest charges in the about of {$52.00}. Is that within the law for them to charge interest when the balance, according their statement, was paid in full leaving a XXXX balance? During a conversation with their representative, XXXX, on XXXX at or about XXXX AM CST, I asked for understanding on how they calculated the interest charges, on what balance was the interest calculated since I had a XXXX balance according to the statement. She gave some information that did not make sense to me. I told her I would have to take the matter to a higher authority. She said I should be aware that they were going to credit the interest back to me because I had paid the balance in full. I asked if they would have credited it back if I had not called and complained about it. She gave a response that indicated they would not have because, in so many words, they would not have had a reason to investigate the account. Additionally, she said it could take XXXX or XXXX billing cycles to reflect on the account history. Therefore, I asked if it would reflect negatively on my national credit report ( XXXX ). She did not know and put me on hold to get the answer. She came back to the line within a reasonable amount of time and said she did not think it would reflect negatively because they do not report payment history unless payments go beyond XXXX days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have a private student loan with Wells Fargo. I took it out in XX/XX/XXXX for  {$6500.00}. I have been accused of 2 late payments, which I was unable to disprove, and accused of approximately 8 missing or late payments that I was able to prove their error. At the start of the loan, I have a federal student loan through Wells Fargo ( with a maybe 6 month overlap ). They mis-applied my payments every month and tried to say I did n't pay. Then harassed me on the phone daily even when their records showed I did pay ( I believe there is already a suit for this currently ). <P/>Of course these late claims allowed them to raise my interest rates to 13.5 %. During XXXX-ish, I spoke to them on the phone 1-2x per month as they continued to " misplace '' my money and accuse me of not paying, then the rep on the phone would say, oh - I see. no problem. I 'd confirm that I did not owe anything, and they would say yes - you do n't owe anything. Its been taken care of. Then the next month, another late charge and I would call back. I NEVER miss payments on anything. My credit history proved that. Of course this also hurt my credit for years. <P/>After paying for years, my balance is still XXXX. In my account history there are actually years of the balance going up instead of down. I have tried making double payments ( one to principle ) but they still only apply a portion of it to the principle. I have contacted them repeatedly. <P/>They do n't even have record of me ever having another loan with them, even though I have hard copy statements and certainly paid them for years until I paid off the first loan. When I mention that, they tell me I m wrong and this is the first loan through them. <P/>Last year I got a notice saying in order to help me repay more efficiently, they altered my auto-payment amount. When I checked, they LOWERED my payment amount ( by only $ 3+ ). I called on it, emailed, and tried to raise it back to what I had been paying ( or even more to help ) and they were kind, like always, but nothing was changed. ( this is when I tried to pay an extra chunk to principle again, and they only used {$75.00} of the {$100.00} to principle - note that they had already received their full payment which should have paid their interest/fees for the month. ) I have paid thousands of dollars ( approx. {$1500.00} per year ) on this loan and I still owe over {$1500.00} MORE than when I started, years ago.

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 07/18/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Money Was Taken Out my account and i wish it wasnt. It left me in the negative

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 04/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Incorrect information of my credit report and fraudulent accounts open in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a complaint through this portal ( XXXX ) in regards to XXXX  XXXX. I received an email from the Director stating that there is not an account in my name that could be located and can not be validated. In turn, this company does not appear to be licensed to collect in the state of Indiana.

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 09/26/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Myself, and XXXX children have loans with Sallie Mae, payment was made and taken out of my account but Sallie Mae calling to say payment not made, try to verify where payment was posted and they now say I am not who I say I am because they either have XXXX or XXXX both names that I go by so # XXXX will not talk to me and they have flagged my account that I am not who I say I am. but are harassing that payment not made, they wo n't even talk to me to get the confirmation number from the bank.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit card () with U.S. BANCORP (TX).
Issue: Other

Complaint: I applied for the XXXX visa credit card and got declinedfor a collection that is supposed to be removed and that 's not fair

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: XXXX XXXX {$400.00} NFCU My now wife and I took a trip to XXXX as to where I would propose to her. During this time I had $ XXXX CL card with NFCU. While we were there, I made a purchase for the hotel room and all was fine, until 2 days later. We decided to stay another couple of days and I attempted to pay for my extra days .... They locked my card completely out of the blue. Because of this happening I now was stuck in XXXX with no money nor gas ... And we had our XXXX kids with us ages XXXX and XXXX. I was forced to drive to a NFCU about 2 hours away to simply provide them a picture of my ID. This happened twice in 3 months where my card was randomly locked and completely frozen. I have been receiving calls threatening to report me in an attempt to collect the debt owed on this card ... If I am correct that is not legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Credit decision / Underwriting

Complaint: I applied for a home equity line of credit application with my bank, Citibank in XXXX XXXX and was initially offered a conditional HELOC of {$450000.00} ( in writing ). I was continually denied credit and after working with multiple higher levels within the organization and months of providing all data requested, on XXXX XXXX, they declined to offer me even as much as {$1.00} credit and I decided to file this complaint. 

With .... 
-Over 24 years of continuous banking relationship with Citibank -Status as a Citgold client ( their premium customer level ) -Over $ 100XXXX in deposits in my Citibank accounts consistently since XXXX ( including right now ) -Two previous home equity lines of credit with Citibank -A credit score of XXXX, the highest the loan officer had personally ever seen -Over $ 1XXXX in home equity in my XXXX homes -Over 80 % value equity in the home Citi would be issuing the line of credit against XXXX jobs from XXXX and my own consulting business -Already XXXX scheduled classes at XXXX XXXX XXXX ( at top XXXX public University in the world ) confirmed -A pending job as a XXXX XXXX XXXX as per the XXXX of the University with an anticipated annual salary of {$90000.00} -Over {$30000.00} annually in rental income profit ( $ XXXX gross ) from my XXXX XXXX XXXX car garage home that has a signed annual lease that Citi has a copy of at their request ( that has a loan/value ration of XXXX ) -A {$120000.00} annual consulting contract with my largest client that Citi has a copy of at their request -A statement from my XXXX CPA stating my anticipated income for XXXX to be at or over $ 120XXXX that Citi has a copy of at their request -Copies of my personal and company tax returns for the past 4 years that Citi has a copy of at their request. 
XXXX prior conditional approvals from Citibank for a home equity line of credit of $ XXXX and $ XXXX -My prompt and highly detailed/documented submissions of everything Citibank has asked for since starting this home equity line of credit application in XXXX, XXXX ( 5 months ago ) ... yet, I was still denied a Home Equity line of credit approval. 

The idea that my bank of over 24 years wo n't lend me even {$1.00} with this stellar and almost model loan applicant status is shocking, so I am asking the CFPB to intervene in the process with Citibank to review and overcome any approval issue. 

Thank you so much for your assistance.

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 08/20/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of Maryland for XXXX XXXX County case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX MD XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2015 about Debt collection (I do not know) with Solidus Group LLC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Company calls and threatens me with charges of bank fraud. refuses to verify debt, never says this is an attempt to collect a debt. Says i owe XXXX for payday loan. I contacted XXXX corporate office, they say i do not owe them and this company trying to collect is a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. XXXX WITH A SECOND HACK ON XX/XX/2017. I 'M IRRITITATED. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and allwill be forgiven. Consumer would also like thank thr Consumer Finacial Protection Bureau for protecting her/his Personal, Family, and Household.

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 04/22/2015 about Debt collection (I do not know) with American Credit Adjusters (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This phone was retasked from XXXX XXXX XXXX After two years this company continues to call for the original owner - I have repeatedly told them that I am not the person and asked them to stop but they call all the time

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Consumer Loan (Vehicle loan) with Dwight Financial, Inc. (CA).
Issue: Managing the loan or lease

Complaint: Everytime my husband or I call we are getting different stories. We have a letter stating that XXXX payments was our final payment for our motorcycle and we just had to pay fees for not having insurance. We have been calling for the last week trying to get info on the fees. Everyone is so rude there and now is saying XXXX is our final payment ( which makes no sense ) saying that they never received XXXX payment but then stated they received a cashiers check XXXX XXXX ( which would be considered XXXX payment ) now theyre saying theyre going to put a 30 day late on my credit which i dont see how they can do because there is no payments left besides the fee for no insurance and they cant even give us a straight answer on what is owed. Everytime someone answers its a different answer. I have never been late in the 4 years i have had this loan and i have never been treated with such little respect ever in my life. I closed my bank account XXXX XXXX payments come out XXXX XXXX they received a notice the account was closed XXXX XXXX, they received my cashiers check XXXX XXXX and since then i have been trying to figure out what is owed to pay the fees off and one minute i call and its they never received a cashiers check now its they have then it was XXXX was the pay off then its XXXX they have absolutely no idea what theyre talking about and its only 2 women that answer the phones there!!! Its absolutely ridiculous!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2017 about Vehicle loan or lease (Loan) with VEROS CREDIT, LLC. (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: They company that I am filling this complaint is called XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. They seem to be a high risk loan company with very high interest rates. When I purchased the XXXX XXXX XXXX I knew my financial situation and at the time was making good money so I did n't have a vehicle at the time so I purchased this impulse but. My payment was {$420.00} a month now it 's fine up to {$480.00} a month, they are charging me insurance late fees plus a {$10.00} over the phone charge. This company will start calling since my 1st months payment on the day my payments due and will call 4 to 5 times a day. They tell me the 10 day grace period period under California law does n't apply to them and if I read the contract they said they can use any means to try and collect in the debt. I 've asked for proof of their insurance and they have refused to this day to provide me with any. My check engine light has been on since I bought the car, which it never would of passed smog with it on. They used, used catalytic converters to try and get the light off. To this, day the light is on and wo n't pass smog. They offer in their emails to help but only make a deal to get a payment. Their ruthless when they call and will call from over 20 different numbers. They 've left rude messages on my phone. " Like oh my god I almost told him it was veros credit '', not realizing she had n't hung up yet. I would also be interested in a class action against this company. Since all of this I went and bought a brand new XXXX XXXX XXXX about a month ago. I have no more intentions on paying on a vehicle that has no chance of paying smog without paying the out of pocket expense to get it legal to pass. I would appreciate any feedback or advice, or at least kept In the loop of any action taken against this company. I have plenty of proof with the amount of calls I have received from this company and just from the XX/XX/XXXX i have over 25. Thank you for your time. XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation