milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I was a victim of identity theft, I have sent over all proper documentation to equifax and they have not done the right procedure according to the law. In response to this they have constantly lied into that they did a proper investigation. They have reported a wrong address that is not mine and they have serveral information on my report that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Unsolicited issuance of credit card

Complaint: I have submitted a complaint previously regarding the same issue. I 've had a XXXX attempted credit card opened in my name without authorization. You all continue to blame fraud as to why I continue to have Chase credit cards being opened under my name for an XXXX XXXX credit card. You all have a partnership with XXXX and clearly a breakdown in security. I still hold Chase accountable for such relationships and the main source to a. ) running my credit and b. ) opening an account without doing any of your own due diligence. You simply accept what XXXX XXXX submits to you with no care whatsoever. I still believe you all are responsible call it fraud or not to ensure accounts are not being opened just for the sake of opening them. Has anyone checked to see if the employees of XXXX are being compensated for opening up accounts? How is this any different from what XXXX XXXX did??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This month I checked my credit report through XXXX. On each report there was a new item for {$2000.00}. One is listed as XXXX ( TransUnion ) the other as XXXX ( XXXX ) ; both list the original creditor as XXXX. I do not have a XXXX account ; my last XXXX account was closed in XXXX, 2011 ; and had a XXXX balance. I have received no XXXX communications since.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Paypal XXXX XXXX has continued to call my workplace and harass me AFTER I have specifically told them to DO NOT CALL MY EMPLOYEE ever again! Our receptionist is also a witness that they continue to call and this needs to stop. It is very disruptive to my job and against our company policy!

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (LA).
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: XX/XX/XXXX bill XXXX XXXX Comenity Bank Charge {$19.00} Do not receive paper statements. I opened a XXXX account several months prior to receiving this bill and at that time I cut my XXXX XXXX credit card in half and mailed it to Comenity Bank requesting my account be closed. Apparently, this never happened. When I received this bill, I sent an email to Comenity bank explaining that I did not authorize this purchase and in fact had closed my account by returning my credit card to them. A month later I received a letter from them saying that the charge was indeed mine as it was for a recurring rewards program that I needed to cancel or it would continue to be billed each year. Also, they claimed they had not received anything from me requesting my account be closed. I immediately called the bank and requested that they close my account. Next, I contacted XXXX XXXX and they claimed it was for my XXXX membership. They agreed to give me a partial refund. So, I called Comenity back and told them that XXXX XXXX issued a credit. In the meantime, my bill had soared from {$19.00} to {$87.00} and the bank said that XXXX XXXX had issued a credit in-house and not to the bank. I offered to pay the {$19.00} which was the original amount, but they said they can not accept anything but the full amount because they can not negotiate a payment on a closed account. I refused to pay anything more than the original amount since I 'd been trying to get this resolved from the beginning and asked to speak with a supervisor. That request was denied. Since that time, the bank has phoned me 5 times a day between XXXX XXXX and XXXX XXXX. Someone finally told me they could accept {$25.00} to settle this dispute. I made that payment on XXXX/17. The woman lied to me because they are still sending me bills that I can not even log into because I no longer have an account! At the time of this dispute, my credit score of over XXXX existed for over 30 years. Now it is in the mid XXXX XXXX Can you help me settle this dispute and restore my good credit score?

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2017 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: Information belongs to someone else

Complaint: These three charges are errors. They do not belong to me. XXXX XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX Closed : XX/XX/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 06-08-2016 about Debt collection (Medical) with The Receivable Management Services Corporation (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My company closed last year with the last day of health coverage XXXX/XXXX/XXXX. I had received a letter from XXXX XXXX/XXXX/XXXX after calling them about terminating my insurance, stating that the insurance would be terminated for non-payment on XXXX/XXXX/XXXX., Since I was starting my new job XXXX/XXXX/XXXX I continued to have health insurance. I then received a call from collection agency in XXXX XXXX for money for XXXX and XXXX XXXX installments. They also stated they needed proof of coverage. I immediately sent them proof of coverage and the information regarding the termination of coverage. I continued to receive phone calls stating they either had n't received the proof of coverage or they could n't read it. I continued to re-send it. After 5 months of calls I was told by XXXX from RMS that if I paid {$100.00}, sent another copy of the confirmation of coverage to the address she provided this would close the account. I did this XXXX/XXXX/XXXX. I was then called in XXXX XXXX stating they never received my check. I then sent a copy of the cashed check. I requested confirmation that the matter had been closed. Instead I was told they were going to send the check back to me, which I have never received. In XXXX I received a letter stating that they had not received my proof of coverage or payment. This has now been ongoing for almost a year. I have done everything asked of me, but yet I get continued requests for the same information over and over. They now want more money, and I have never received " the check they sent back to me ''. I would like to have this matter closed. The insurance was already cancelled XXXX XXXX, XXXX. I was told be an XXXX representative that to terminate the insurance all I had to do was not pay it. this is also confirmed by the policy book. I had coverage starting XXXX XXXX, XXXX from my new employer. I would welcome any assistance you can provide.

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 06-09-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: THIS IS NOT A DUPLICATE.  For the XXXX time in less than XXXX days Chase has processed a large item first so that they can then charge XXXX overdraft fees on small items.   A total of XXXX overdraft fees for $XXXX each totalling $XXXX was charged to my account.  Additionally the reverse positve pay that is on for my account is no longer working and does not give me the chance to review the checks before they pay.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (WA).
Issue: Other transaction issues

Complaint: PayPal advertises that you can send money to anyone via e-mail, even if they do not have a PayPal account. I have used PayPal for many years for purchases and was very happy with their service. So I trusted this method of money transfer to my relative though I have never tried it before. On XXXX XXXX, 2016, I sent my Uncle in XXXX, {$2000.00} via my personal PayPal account as a gift. I sent it directly to his personal e-mail address : He accepted the transaction via his personal PayPal account. My relative then attempted to transfer the funds to his bank in XXXX, XXXX so he could access the funds. His XXXX account utilized a different e-mail address than his PayPal account and he was unable to make the transfer. He request help from PayPal and was advised that he needed to setup a business PayPal account, which he did ( although he has no business ). He was then able to transfer the funds from his personal PayPal account to his business PayPal account. He then attempted, again, to transfer the funds to his XXXX so he could access the money. But now is being denied access to the funds because the business PayPal account is frozen. This is because PayPal requires my relative to provide detailed business information needed to complete the business account, which he can not do, because he has no business! Thus, the {$2000.00} can not be accessed by anyone as long as PayPal has his business account frozen. Note that the only money in his business PayPal account is the {$2000.00} I sent him. The only reason for setting up the business account was due to problems with his personal PayPal account. When I tried to submit a dispute via PayPal resolution center, they stated that I had to contact the seller directly for a refund. With his account frozen for administrative reasons only, no one can touch the money. My relative would be very happy to send the money back to me, if only PayPal would let him. I have proof of the transaction from me to him and PayPal 's response to my complaint. My relative is stuck without recourse, I am stuck without recourse, PayPal will not allow either one of us to access my original {$2000.00}. Furthermore, the PayPal information provided to my Uncle was in XXXX, although he only speaks and reads XXXX. His XXXX is very minimal. Also, the PayPal account only provides a template for the American bank system of routing and account numbers. The XXXX banking system is completely different. In the process of trying to do a good deed, my Uncle and I have created a mess that has {$2000.00} stuck in a XXXX scenario. For the record, I sent my relative a second transfer of funds directly from Bank to Bank without difficulty. The only issue is how do I now retrieve the original PayPal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I received an alert on my XXXX XXXX report that on XX/XX/XXXX that was reported that XXXX XXXX reported that XXXX was opened on XX/XX/XXXX for {$1400.00} for collection on my Transunion Credit. I  called XXXX in XXXX, Oh and spoke to XXXX and imformed gave them information with my Social and  he informed me that my account was not active and the last time my account was opened in XX/XX/XXXX. I don't have any cash advances. The XXXX XXXX contact is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX contact number XXXX XXXX. I think this a scam

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 02/25/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from a man who said he was Kay Jewlers but refused to give his name. He told me I had 2 hours to come up with {$75.00} or they would take legal action. They are repeatedly calling me all hours of the day from different numbers, calling my work repeatedly after being told I can not receive personal calls at work.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a medical procedure done that I XXXX paid for in cash, at a discount. A couple months later I get a bill from XXXX XXXX for what would have been the balance due if I went thru the insurance instead of paying cash. I went to their local office & they confirmed that I am payed in full. Subsequently I have receieved notices from CMRE trying to collect. I am Paid in full. I want this resolved asap please.

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 08/17/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Time after time, BOA will hold checks and payments and wait until the moment my direct deposit has gone in. I am over it, there is no reason I should 've had a fee, when there WAS enough funds to cover the check. They also have a fake story of " rolling fee reversal '', but can not give me dates, or times. They also are are supoosed to have a 24 hour time frame to fix an account with a negative balance ( per their handbook ), though do not follow their own guidelines.

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 02-11-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I removed overdraft protection from my checking account and told the bank not to cash payments on multiple occasions if I dont have the money to cover charges. Instead they run charges anyways and bill me {$34.00} overdraft fees and {$15.00} extended overdraft fees on top of it. If I dont have the money how is it logical to charge me fees on top of fees? Its illegal and being done without my consent! Please help protect the little guy, thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2017 about Debt collection (Credit card) with The CMI Group, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I owe a past due to XXXX and the credit collector, Credit Management, calls me 2 to three times a day. They r calling my cell number and never have verified if I am the correct person they seek.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The CMI Group, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: CREDIT MANAGEMENT, XXXX. XXXX XXXX, XXXX, TN XXXX IS REPORTING AN INACCURATE ACCOUNT FOR XXXX XXXX XXXX FOR {$2100.00}. I DO NOT OWE XXXX THE AMOUNT OF {$2100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I did in fact witness a wrongful attempt to collect funds in the amount of {$9000.00} on XXXX XXXX 2016. The Original creditor of this dispute is XXXX XXXX XXXX XXXX XXXX, which have been turned over to recent collection agency by the name of I.Q.Data International , Inc. Furthermore, I have never lived or signed a lease agreement in the state of California. This is simply a mistake or failure to identify the proper debtor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Opened a CitiBank Interest Checking account under the {$300.00} promotion on their web page. Here is a link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I also gave my bank information to do a opening deposit of {$15000.00}. When I called in to follow up on it, they had no idea where the {$15000.00} went and no clue about the promotion. I told them to look right on your homepage and they will see it but somehow they could not find it, funny. Well after weeks of calls and hours waiting on hold I tried one last time to see if they honored what their advertised and fix things but the manager still no no clue about anything, I do n't understand how that is possible. Seems like a deceptive scheme for consumers to open accounts like 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 explanation
Consumer complaint received 12/30/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Making/receiving payments, sending money

Complaint: Overdraft Charge on Electronic Payment. 
I Did Not opt IN for ATM, debit card or electronic payment overdraft. 
So my expectation is that the bank will NOT attempt to make a payment if I do not have funds on my accounts. 

Citizens Bank is charging me {$35.00} overdraft fee on electronic payments I programmed in its electronic payment online banking. Note that the bank CANCELED the payment and will charge me an overdraft for a payment that it will NOT perform. 

The overdraft fee is called, a return fee. The explanation is that Citizens bank needs to reimburse, Citizens Service provider that tries to make the payment when there is no funds available. 

My Rationale : I understand that my OverDraft Opt out rights are being twisted. 
If the account does not have funds and Citizens Bank knows about it, Citizens should NOT perform the payment ( as actually it did NOT ) and NO Fee should be imposed. 
Citizens Bank twisted this logic, by NOT performing the payment and calling the the fee ( {$35.00} ) a return fee. 

Talking to the bank representative, the payment will be resubmitted automatically and if there are still lack of funds another fee will be imposed. 

This behavior seems to twist the opt-out rights afforded by legislation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2016 about Bank account or service (Checking account) with BB&T CORPORATION (PA).
Issue: Deposits and withdrawals

Complaint: I had a fraudulent charge on my checking account and the bank will not do anything to reimburse me. Every person that I 've spoke to at the bank has agreed that I am owed the money back to my account. But, they do not know how to do it in their banking system. The amount of the transaction is {$67.00}. and it took place on XX/XX/XXXX. I attached a screen shot of the charge on my online account. Please note that XX/XX/XXXX, XXXX merged with BB & T and they are blaming the problem on the merger.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: To date, my credit reporting still reflects Not Reported NR for the months of XXXX XXXX XXXX, which is highly affecting my credit score and the ability to credit worthiness. That said, I NEVER gave written nor verbal authority/permission to XXXX XXXX XXXX, Equifax nor the U.S. Federal Trade Commission to suppress my credit reporting under any circumstances nor did I suspect any fraudulent activity to my account.

Company response to consumer: Closed with explanation