milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XX/XX/XXXX through XX/XX/XXXX of this  year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Bank account or service (Other bank product/service) with WESTERN UNION COMPANY, THE (TX).
Issue: Making/receiving payments, sending money

Complaint: I received a money order from a tenant and misplaced it for over one year, but it was not three years old. It was purchased through Western Union Financial Services. Western Union claims that it is no longer any good and needs to be reissued for a large fee. I understand that a money order in the state of Texas is not abandoned unless it three years old from the date of purchase under the Texas Property Code, Chapter 72 Sub chapter B page 4. It appears that Money order companies makes the own rules and regulation that does not coincide with state and federal laws to rip off consumers because of misfortune of an accident. 

I called Western Union and they want a large fee to replace it. A fee had already been paid to purchase it so why would they not honor their check. Western Union States on the back of their check, Not good after XXXX year from date of purchase. There will be a non refundable service charge will be deducted from the face value of the check to be assessed where not prohibited by law. 

I called XXXX XXXX who the check was drawn on. They could not help. I called the Federal Trade Commission and they directed this matter to this office.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: My name is XXXX XXXX. I am a small business owner and my account for that business was housed with the financial institution known as, Huntington National XXXX. InXX/XX/XXXX an employee of the business I ran had access to multiple checks and account information. She used these checks, and corresponding account information to steal from the business and myself. {$2700.00} was the amount taken in a 40 day timeframe. I inquired and informed my local Huntington Branch the XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX, Ohio. Now when this conversation happened, two things should have happened in tandem with one another immediately. 
1. Stop payments on the checks I informed the branch that I was missing 2. Account Closure. 
Neither of these required responses occurred. Instead the account continued to overdraft, expand upon the fees being allocated to my account, and eventually reported my overdrawn account to check systems as a " closed with a negative balance '' account. 
I filed a police report, I have a signed document that possess a notary stamp verifying that I swore to the fact and indemnify myself of these charges, I also attested this information to the Huntington Fraud Department. I have done everything they have requested, and instead of supporting me, a small business owner who had fraud occur on his account, through no fault or inaction of his own, they decide to tell me multiple times. They are busy. This gross negligence is unacceptable. I would simply like the fees removed, my case resolved, and the check systems report to disappear. In essence, I want Huntington to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have written three letters disputing all the items on my Experian Report. I have supplied Experian with the XXXX letter, title and attorney 's letter. I have attached copies of my dispute letter XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15. Experian has failed to remove the negative entries on my credit report. I can be reached at XXXX ext 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 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TN).
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: CHASE BANK USA, N.A has been running a hard credit check when I have NOT applied for credit and they have now done it twice and will not remove the information though I 've been in contact with them through a XXXX since XX/XX/XXXX and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new one in XX/XX/XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: The credit card in question is one that I have not used in over ten years, but was recently charged by fraudulent spam accounts starting in XXXX of XXXX. Capital One did not send me bank statements that these charges were occurring ; therefore, I was unaware and could not dispute them earlier. I only found out that this was happening when Capital One started reporting my lack of payment to the credit reporting agencies. I received my first statement on XXXX XXXX ( after calling to inquire and demanding they send them ). 

On XXXX XXXX, when I made the aforementioned call, according to Capital One 's customer service representatives, they could see that these charges were made and were fraudulent. Evidently, there were other charges that were caught and denied ; unfortunately, there were other times they were not caught. 

On the same call, I was told there was nothing they could do to resolve the issue, that I would have to pay my {$320.00} bill in full. They also did not know what I could do to resolve the hits to my credit scores/reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Ive been hatched and identity fraud. My online Hatchers keeps accessing my accounts. I cant stop them from going into your data base and accessing my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (I do not know) with Hunter Warfield, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hunter Warfield Inc. ( XXXX ) calls me DAILY ( every morning/every evening ) at my home phone seeking a " XXXX XXXX XXXX ; ref. Acct # XXXX. '' I have told them REPEATEDLY she moved from this address to XXXX, in XX/XX/XXXX, and I do NOT have any contact with her nor do I know her current whereabouts. On XX/XX/XXXX I filed a complaint with the FL XXXX ( Complaint ID # XXXX ), and Hunter Warfield agreed to XXXX NOT to contact me anymore. I accepted their resolution and the case was closed early this morning ( XXXX ), and then they called AGAIN at XXXX ( Robocall! ). I have emailed Hunter Warfield ( XXXXXXXXXXXX ) an " alternate '' family member 's contact information ( who MAY know her current whereabouts ), and yet they CONTINUE TO HARASS ME VIA PHONE DAILY! I want this STOPPED! I suspect XXXX XXXX has used both my home address/phone no. to fraud those to whom she owes money and probably skipped out owing rent from somewhere, as she did here.

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 05/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My dates of enrollment were incorrect- I was listed as being " in grace period '', when I was actually enrolled in school at least part-time. This caused my subsidized student loans to accrue interest when they were not supposed to, so I contacted the school I was attending in Fall XX/XX/XXXX- the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) & had them fax the info to XXXX at Navient. I had already paid off a few of the loans that the interest was wrong on, so Navient is having to go back & retroactively adjust the amount of interest on the loans in question. I have received notification from Navient back in XX/XX/XXXX that they had received the info from XXXX & that as a result, my dates of enrollment have been adjusted. I called On XX/XX/XXXX, & spoke to XXXX XXXX ( employee # XXXX ) & requested that the amount taken off of my loans as a result of the correction be sent to me in writing. She informed me that a customer service advocate would send the info to me, but that it would take 5-10 business days. I again requested that the amount that was deducted from my balance due to my dates of enrollment being adjusted be sent to me in writing during another phone conversation with XXXX ( employee # XXXX ) on XX/XX/XXXX. I received an email from a customer advocate named XXXX on XX/XX/XXXX & again, I requested the info. Today, I sent her another email- requesting the information for the 4th time ( this is the 2nd time I have made a written request- the other times were verbally over the phone. ) It has been a month since I have been trying to have this information sent to me in writing, but they have ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On XX/XX/XXXX 2017 I received a letter from Toyota financial services stating that they will be sending me a refund of excess wear and use charge s,  which they inadvertently charged on my previous loan lease- and that the refund would be provided under separate mailing, it has been almost a year and I have not received any further information- I tirelessly attempted to contact the company to get more information and they have acted like th y did not send me this letter or refrained from elaborating, this is unfair and deceptive practice, as far as I am concerned they have known th y have had my money for 9 months and have withheld it, meaning they now owe me some form of interest onntop of the original refund. Vin number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Payday loan) with Harpeth Financial Services, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: There was not a selection above that truly fit my complaint. I was referred to XXXX XXXX lawfirm by XXXX. They told me that my account had not been sent to a 3rd party but that was a lie. This is a collection agency. I called their office at XXXX and spoke with XXXX. I asked her my balance and advised her that I wanted to set up a payment arrangement. She begins asking me very personal and invasive questions. Such as how much I make and who I pay my car payment to, and what the year make and model of my car are. I asked her why she needed this info she then tells me its so they can collect on the account. she never gave the intro of " this is an attempt to collect a debt .... '' and when i refused to answer her questions that I felt were invasive she refused to work out a payment arrangement with me. I asked straight up if she was refusing my offer to make payments. She straight up said yes. I disconnected the call at that time. I do not feel they need to know such personal information to set up a payment arrangement. I work in collections also and we would get into trouble for asking questions like that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: When i moved out of my apartment at XXXX XXXX XXXX XXXX ky XXXX on XX/XX/2015 i called and had my XXXX XXXX XXXX set up to be disconnected but then on XX/XX/2015 when i tryed to move in a new apartment i couldnt put XXXX XXXX XXXX in my name cause i found out XXXX XXXX XXXX never turned the electric off and called and told them and they said all they could do was go shut off so no more money builds up they said they couldnt do anything about it cause the apartment complex told them i was living there still

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 08/22/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: DO NOT CLOSE THIS COMPLAINT XXXX IT IS NOT COMPLETED AT ALL NOTHING HAS BEEN RESOLVED THE LETTER THAT WAS WRITTEN ON XX/XX/XXXX IS NOT ACCURATE AT ALL THEY ARE LIARS AND I AM TIRED OF IT I AM SO ANGRY AT THIS NONSENSE WELLS FARGO DID NOT FOLLOW THEIR PROTOCOL AND PROCEDURES IN ADDRESSING A CLAIM AND THEY ARE TURNING THE FACTS AROUND AND BLAMING IT ON ME AND TRYING TO JUSTIFY WHAT THEY DID TO ME NO THIS HAS TO BE RESOLVED HONESTLY WITH OPEN COMMUNICATION I STILL TO THIS DAY HAVE NEVER RECEIVED A LETTER STATING MY CLAIM WAS DENIED AND HAVE NEVER RECEIVED THE RESPONSE FROM THE DENTIST MY ACCOUNT WAS DEBITED THE MONEY PLACING IT OVER DRAWN LEAVING ME IN POVERTY NOW THEY CREDIT THE MONEY BACK TEMPORARILY WHAT IS THAT SUPPOSE TO MEAN -SO YOU ARE GOING TO TAKE IT AGAIN WITH OUT NOTIFYING ME? 

I NEED THE LETTER STATING THE OUTCOME OF MY CLAIM AND YOUR POLICY ON HANDLING CLAIMS NOT THE VISA POLICY THAT IS NOT WHAT YOU FOLLOW, REGARDLESS I AM SUPPOSE TO GET COMMUNICATION ON THIS AND NEVER DID. 

THIS DOES NOT SOLVE IT IT IS STILL OPEN DO NOT CLOSE MY COMPLAINT PLEASES

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I sent my fourth m and final dispute letter to Experian asking the to either send me proof that the debt is mine or remove the debt from my report per the Fair credit reporting act. However, they did not reinvestigate my dispute and instead sent me a copy of my credit report and stated that they would not reinvestigate my dispute unless I send new information.

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 01/29/2017 about Credit card () with JPMORGAN CHASE & CO. (AL).
Issue: Rewards

Complaint: I have a Chase Ink Plus Plus card, and I am unable to transfer my ultimate rewards points to my XXXX XXXX account. I have not been given a reason for not allowing me to do so. I understand that Chase does not want me to send points to the accounts of employees ; I am not trying to do that. I am trying to transfer the points from my account chase ink account to my united account and the request is being blocked by the rewards team.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (VA).
Issue: Managing the loan or lease

Complaint: We paid off a home equity line of credit with Chase Bank on XX/XX/2017. Because of the timing of the payoff, we were owed a balance of over {$1000.00} in connection with the payoff. We contacted Chase on XX/XX/2017 to find out when we should expect to receive that balance and were told we needed to submit an authorization to close the account. We did so that day by email and the following day by fax. We contacted Chase again on XX/XX/2017 to find out when we should expect to receive the balance and were told the account had been closed and we should expect to receive a check within a week. Today we received mailed materials noting the line had been blocked and giving us a " payoff amount '' showing we are owed over {$1000.00}. We contacted Chase again and were told the line has not been closed, that an additional " work order '' is required and that it will take 3 business days to process that and at least another 7-10 business days for us to receive our refund. At that point, we will have waited approximately 6 weeks from the time the line was paid to receive a refund of our money, after having been given incorrect information by Chase about what was required to obtain it every time we have contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: In my most recent Experian Credit Report I viewed several accounts ( loans ) that I paid in full still reflecting as open. I requested Experian to send me my most updated Credit Report and as of today they have not complied with my request. If these accounts are not reflecting correctly on my Credit Report it is damaging my Credit Worthiness and Credit Score.

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 09/25/2017 about Debt collection (I do not know) with MRS BPO, LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Not my Loan ' and do n't know the person ' they 're asking for

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 explanation
Consumer complaint received 05-01-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: This is not a specific complaint about any XXXX of the credit bureaus. It is a comment about the process of getting the free annual credit reports that federal law mandates. I tried to get my free annual credit report from XXXX on XXXX/XXXX/XXXX. I went through the process and ended up with XXXX reports. The issue is with the identify verification process that each credit bureau uses in order to verify who you are and issue your report. They use obscure pieces of information from your past credit history because supposedly " you would be the only XXXX to know that kind of information ''. Each bureau asks 5 or 6 questions. That is 15 or more obscure questions that you have to get right in order to get your reports. Anyone in their XXXX like me with 30 years of financial history has probably gone through a number of car loans, at least a couple of mortgages and a whole bunch of credit cards and store cards. How am I supposed to answer questions like which credit card or store card I opened an account with in XXXX? I keep meticulous records and yet I can not answer that question. After completing the process I had the distinct impression that it was more difficult than it had to be on purpose. I can only speculate about the motives behind such a decision but the end result is that fewer people get the free reports that they are entitled to. Now, instead of being able to do the request online, I have to call each credit bureau and answer the same kind of obscure questions over the phone. If XXXX of financial institutions can confirm your identity without asking you to remember the monthly amount of your mortgage from XXXX, then the credit bureaus can certainly do the same thing.

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 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX 2017 a unauthorized hard inquiry was performed on my credit report by XXXX XXXX XXXX in XXXX NJ. When I noticed this report I spoke with with Transunion about this and they said I would have to speak with the people involved to remove it. After numerous attempts I finally spoke with XXXX XXXX XXXX and was told they would " get back to me '' they never did/ Transunion provided this info to what I believe to be a scam or fraudulent company. I have made repeated attempts to get this removed and have since froze my transunion account because of this. Transunion is not will to do  anything to help me in this matter. I had no reason to apply for any type of credit at this time and it worrries me that my info is so readily doled out

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: I was promised that my XXXX paid accounts would be removed after i paid them off.

Company response to consumer: Closed with explanation