milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX XXXX, I saw a fraudulent charge of {$360.00} to XXXX on my Chase checking account. I immediately called Chase and reported the fraud ( within 30 minutes of the charge appearing ) and Chase flagged the purchase, refunded my money and said they 'd investigate. On XXXX XXXX, I received an email from Chase stating that the charge was accurate -- I called Chase who said their investigators determined someone ordered a laptop online and appeared in person later ( after it was reported as fraud ) at a local area store to pick it up with an ID. I called XXXX who confirmed that someone did pick up a purchase under XXXX XXXX at the XXXX XXXX store with another person. They would not give me further details except to confirm that the email used in the purchase was not mine. I have since filed a police report with the XXXX XXXX Police Department regarding this incident of fraud and possible identity theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted XXXX by phone about my mortgage payment ( s ) being late due to hurricane Irma in XX/XX/XXXX. I was informed at that time that there was a program that I could participate in that would not penalize me for missing my mortgage payments from XX/XX/XXXX through XX/XX/XXXX. I was told there would not be any late fees or negative impact to my credit as a result of participation in the program. I'm sure there is a recording of this call. I was told that I could apply for a modification to my mortgage, which would include the missed payments. I felt such relief and appreciation. In XX/XX/XXXX I began resuming my mortgage payments and at that time XXXX  reported my loan 90 days delinquent to credit bureaus! I was mortified considering I was told that this modification would not negatively impact my credit. I believe I was mislead and now have two or more months of 90 day late payment status on my mortgage I am paying trial payments and feel this account status is not fair to me. If I was aware that this would happen, I would have taken a loan to get the payments in. XXXX  assured me that everything would be just fine and this would not impact my credit. I was approved for the modification.

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 12-07-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My information was compromised and used to obtain medical and other things. I '' ve noticed collection accounts on my credit report that are fraudulent. I 've submitted information to the credit bureaus however they do n't really seem to care too much. They 've helped some but XXXX and XXXX.. just to name a few really do n't care. I battled XXXX about 2 years ago and have not had time to address this until now. Hoping this will bring some relief. Noticed fraud items beginning in 2014 but like stated earlier too much in life was going on. I received letters from XXXX for our prepaid card and XXXX XXXX so I figured it was from this but this was just something that might have released. No One knows who stole my identity bc no cameras and police said it 's hard to track unless they use it local.

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 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I disputed inaccurate information that was on my credit Report with Transunion and XXXX almost XXXX months ago with XXXX XXXX Account # XXXX Late payments that was incorrect XXXX gave them 30 days to respond and they don't so XXXX send me paper work that it was verified that I had No late payments so, Two weeks later XXXX Placed the late payments back on my Credit Report. It is against to fair credit act to do so without a consent or notifying me before places inaccurate information on my Credit report I have asked them to notify me before doing so because I have had a fraud alert on my credit report in 2017.I need this off my Report in the next 10 business days or I will have to speak to my lawyer.Please contact Transunion and XXXX.Thanks

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 06/16/2016 about Credit card () with U.S. BANCORP (OR).
Issue: Billing disputes

Complaint: There is a fraudulent charge on my account. I have contacted the fraud department on numerous occasions about the matter. However, now they refuse to speak with me about the matter and XXXX of the representatives went as far as to yell at me and then hang up when I only asked for her to repeat XXXX sentence because I was taking notes.

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 04/16/2015 about Credit reporting () with Seattle Service Bureau, Inc (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: They are stating I was billed and NEVER did I receive a bill from neither the collection agency or the actual doctor and this is affecting my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied for an income based repayment plan on XXXX XXXX, 2016 because I could n't afford my monthly payments. I made the XXXX payment. I then called on XXXX XXXX, 2016, to inquire about my status. I advised I was unable to make my XXXX payment. They told me they could put me in a forbearance state while we waited for the income based application to be completed. On XXXX XXXX, 2016 they denied my application because i incorrectly completed my XXXX XXXX application - I stated i was not in a forbearance, which was incorrect when they reviewed it on XXXX XXXX. 

Obviously the company has a financial incentive to kick my application down the road. Interest continues to accrue, and they advised me to apply for a forbearance. They did not tell me it would adversely affect my income based application. They then denied my application - telling me I could reapply. They also put me on a standard repayment plan now - represents XXXX % of my after tax income. I have accepted I will be sued by this entity in the next couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Hi my name is XXXX XXXX and i paid of my balance for wells fargo already cause i had a checking account with them before. I paid {$30.00} yestraday and the rest today. I was trying to open a new account but it was not letting me..

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 09-12-2016 about Debt collection (Payday loan) with Avant Credit Corporation (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted Avant on XXXX XXXX asking if I could make my payment on XXXX XXXX because I incidentally made two payments one month which put me ahead in terms of paying them. They replied back saying, Thank you for your email and we apologize for any trouble. We have received your request and have forwarded it to the appropriate channel. If you have any questions in the meantime, do n't hesitate to reply to this email or give us a call at XXXX. We appreciate your patience while we work to resolve this! On XXXX XXXX I noticed on my bank statement that they withdrew the XXXX even though I asked to numerous time if the double payment could suffice for the XXXX XXXX payment and my regular payments resume on XXXX XXXX. I noticed when I checked my contract that they did indeed accept my double payment but as yet have did nothing in terms of resolving this issue of the double payment. Please see the attached correspondence written to the creditor requesting clarification. Please note that the original loan was taken out XXXX 2015 in the amount of {$1300.00}. Since that time, I have paid to the credit the amount of {$990.00}. Please note that this loan still carries a balance of almost {$1300.00}. Which is ridiculous considering that I have paid all but XXXX of the original loan amount of XXXX. Their lending was deceptive and the interest and fees are simply legalized loan sharking and preys on individuals that need to seek out alternative lending options.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have sent numerous dispute letters to XXXX about a furnisher /public record named XXXX XXXX XXXX XXXX XXXX XXXX they are reporting on my credit report. XXXX claimed they verified directly with the with Lexis Nexis that XXXX XXXX XXXX XXXX XXXX XXXX that the account belongs to me. I 've requested their method of verification SEVERAL times and each time they just mark as " verified '' without providing me proof of their method of verification with a written reply from the furnisher nor Lexis Nexis ( who  by the way has my account locked ) that clearly states this account belongs to me. These are all clearly stated on all my requests and yet they ignored and just marked it as " verified ''. If my account with Lexis Nexis has been  locked from access how is XXXX able to verify this? I 'm very dumbfounded. 
If XXXX is not able to provide their method of verification to me how do I know this belongs to me and how is this accurate? 

Nonetheless, I made my own request directly to XXXX XXXX XXXX XXXX XXXX XXXX, and my letter was as returned '' ( letter attached ). Now, with my request being returned from the court, how is XXXX and Lexis Nexis able to verify so quickly with the court and mark it as " verified '' and close my dispute? With XXXX XXXX response to my CFPB complaint # XXXX as " verified '' again. How is this all possible and how is this fair and accurate reporting? 

Several creditors, home lenders refuse to provide me credit due to this information and it is very damaging to my score. I 've attached all the letters I 've sent to XXXX and each dispute they 've responded with " verified '', again without providing me information on how they verified this information from Lexis Nexis or the furnisher. 
Again, each dispute I 've sent to XXXX answered as " verified '' without providing me proper " written '' method of verification is a violation of the FCRP 611 ( a ) ( 7 ). This is an intentional false reporting if they are unable to provide me their method of verification. I am making one final attempt to have XXXX correct/delete this information from my personal credit report before I proceed in a small court claims if they are unable to provide me WRITTEN verification on how they verified this directly with Lexis Nexis and/or the XXXX XXXX XXXX XXXX XXXX XXXX. 

I, again will remind XXXX that in a case, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Vehicle loan or lease (Loan) with CarMax, Inc. (TN).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I was sold a lemon that XXXX could not and would not fix. 
1- severe battery drain from computer ( causes failure to start if sitting ) 2- fuel tank pressure problems ( no gas cap and solenoid, etc. ) I offered to the scum that sold me to give it back and he openly refused af thx giving disaster outside of crossville trying to change a tire. I know how to change a tire.I had a spare. what I did not have was the custom tools for the custom nuts that were installed wo my permission when I was sold the car. I did ot ask for these modifications and they cost me over 200 extra to replace the tire. I was not compensated. XXXX in XXXX XXXX outside XXXX can confirm multiple visits for the lemon issues. They could not fix it. 

they took the car back but when I confronted XXXX and carmax about this they remain silent. My XXXX deposit has not been returned to me and they have been served multiple times. continue to want to collect a debt not owed. was forced into buying gap because they sell underwater cars.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have a XXXX XXXX XXXX and Citizens Bank equity line account at is over 7 years old and it should be remove for my account. Equifax refuse to remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with Army and Air Force Exchange Service (AP).
Issue: Other fee

Complaint: My wife and I both utilize Military Star credit cards ( websites : XXXX and XXXX XXXX. During this billing cycle and earlier ones, we have been unable to pay our bill in full and therefore avoid interest charges. Upon attempting to do so at their website, I am only able to pay up to {$2500.00} or the entire credit card balance. Furthermore, only one payment is allowed during every seven ( 7 ) day period. The Military Star card terms and conditions are located here : XXXX These terms do not mention a dollar amount or the minimum time required between payments. No credit cards we have ever used have imposed such limitations on the amount and frequency of payments.

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 12-03-2015 about Debt collection (I do not know) with STONELEIGH RECOVERY ASSOCIATES, LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling my cell # XXXX also. Unkown debt possible scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have submitted numerous documentation ( which is attached ) to the creditor, XXXX, as well as to Experian, XXXX and XXXX to validate that I have paid XXXX account XXXX in full and that XXXX XXXX illegally applied the payment to XXXX account # XXXX. 
I have requested on numerous occasion that XXXX XXXX provided debt validation for account # XXXX, however, they have not done so as required by the Fair Credit Reporting Act. 
Yet, Experian and XXXX continue to report this account as an open collection although documentation have been submitted on numerous occasions to them, proving that the money that was submitted to pay off this account was applied to an account that violates the Fair Debt Collection Practices Act. The creditor continues to violate both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and has not responded to my requests for debt validation, yet Experian and XXXX continues to report the debt based upon the false info provided by the XXXX. Due to XXXX XXXX 's blatant violation of federal laws, XXXX has correctly deleted this account from my credit file. 

I am requesting the CFPB to request Experian to delete this account from my credit file as required by Federal Law. Complete documentation is attached.

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 01/17/2018 about Debt collection (Auto debt) with Professional Bureau of Collections of Maryland, Inc. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: This is a Repossession debt, that happen 5years ago. There have been 3 DEBT Collectors.This accounts HAS been sold to 3 different collectors. PBC trying to re aged the debt. Texas statues of limitation is " 4years ''. I 've challenged this repossession to the State of Texas. XXXX violated the Texas State Repossession laws, and Settled with me out of court. I asked them, too stop. I have file another complaint with The Attorney General of Texas. Please read : If the repo agent breaks into your garage to take the truck, that is breaching the peace " This what XXXX did ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX 2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan.

I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l would n't accept it at all and they insisted me that it was definitely be a soft inquiry and wo n't hurt my credit score so l said OK, just give me the rate.

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- WELLS FARGO DEALER SERVICES 4- XXXX XXXX XXXX 5- XXXX Two different hard inquiries on XXXX ; 1- XXXX XXXX XXXX 2- XXXX XXXX  One hard inquiry on XXXX ; 1- XXXX XXXX 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 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Receivables Performance # XXXX ( XXXX, XXXX, WA XXXX ( XXXX ) was paid in full {$340.00} re : orig creditor, XXXX, XXXX and it states they were paid in full on my XX/XX/XXXX credit report. I have called them : NO RESPONSE. Why do n't they remove this " Adverse Accounts '' info when I fully paid them 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 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a request to Experian in XXXX, asking them to investigate errors on my credit report. I have sent several follow-up letters to them, but I have yet to get a response.

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 07-08-2015 about Debt collection (I do not know) with Concord Resolution Inc (Closed) (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hi, I 've been getting harassing calls almost daily for months ... 

The most recent ones are from a company they call " Concord Resolution '' in the voice mails and it 's a recorded robo voice when they leave a voice mail. 

They are very rude and threaten to pursue lawsuits for a supposed payday loan which I 've never made, straight up extortion. 

I 've asked them to NOT call me anymore that my number is registered on the do not call list via XXXX and telling them via phone to add me to their donotcall list because of all of these ridiculous calls. 

They call at all hours of the day. Today they called at XXXX and again about an hour ago. 

I receive calls like this daily. 

They have various phone numbers each time and I am tired of being threatened by people who I do not owe and should n't have my phone number in the first place. 

These are a couple numbers used often. 

XXXX. XXXX. XXXX. XXXX so on. 

Number 1 is the one that 's been calling multiple times within the last few days.

Company response to consumer: Untimely response
Consumer complaint received 04-02-2016 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Balance transfer fee

Complaint: I received an email from PayPal about a settlement for Case XXXX. They said I would be credited with {$30.00} plus an additional {$1.00} to cover a fee if I request a check. They did not deposit the {$1.00} and are charging me for the check and giving me a refund of only {$29.00}. I realize this is a very small amount but with XXXX customers, PayPal is cheating us again. I tried to call them bu I just get put on hold. They do not provide an option for electronic contact.

Company response to consumer: Closed with explanation