milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This fraudulent XXXX account that keeps reporting on my Equifax credit report that i have disputed four times already, this particular account was sold to a collection agency by the name of XXXX, in which whom took me to court concerning this same account that they purchased from XXXX. The judge dismissed this case for lack of proof of Proper Documentation. XXXX No longer reports to the CREDIT Bureaus because of the courts ruling on this particular Account. As i stated i have disputed this through Equifax four times already and requested That XXXX provide them Proof of the original contractual agreement and proper Documentation proving ownership concerning this Fraudulent Account in my name, which i have not received any information or proof of Documentation concerning this XXXX account thats reporting on my Equifax credit report ... i have taken so many steps with Equifax to resolve this and to Delete this from reporting on my Crdit Report and they have not Deleted it yet ... XXXX and XXXX have deleted this same account from reporting on my credit report from XXXX, Account # XXXX I am writing and submitting this complaint for this particular XXXX Account to be removed form my Equifax Credit Report. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Advertising and marketing

Complaint: Hi, I applied for my credit card when the offer on the website showed specifically that I would get XXXX XXXX XXXX Miles after spending {$0.00}. The bank later started saying that the offer is for spending {$5000.00} and not {$0.00}. I have sent confirmation and also confirmed from several representatives and for 6 months, every month i am told it will be deposited next month but it never happens.

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 06/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My Chase bank account is not being updated by the bank cause me to be unable to cash out.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Medical) with CBC Credit Services, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get a medical bill on collection showing on my credit report that I do not have any knowledge of. I never received any invoice from doctor office just collection calls contacting me about this issue without any explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: Bank of America located at XXXX XXXX XXXX XXXX in XXXX, MA XXXX has chronic shortage of staff. On XXXX XXXX, I try to visit the branch in the morning but the line of customer were pressing out the front door. I left and try to visit the branch again the following morning but the line was even worse as customer are forced out the front door. This branch only employee XXXX tellers and XXXX customer service personnel while XXXX Bank and XXXX Bank on the same street staff their branch with XXXX teller and XXXX customer service persons. Why is that Bank of America under staff its branch compared to its competitors. Bank of America realize there is a staffing shortage however has not made any attempt to address this matter. In addition the bank is aware that in a XXXX neighborhood, often times the XXXX utilizes teller services at a much higher rate than its suburban branches. Furthermore, XXXX we have a large XXXX who speaks XXXX. Currently we have no XXXX speaking teller. By not having XXXX speaking teller adds communication burden and creates longer teller lines there by under XXXX. Why is it that other banks are require to fulfill XXXX XXXX XXXX but Bank of America at this location disregards its obligation under banking act. Why is that CFPB is unable to make Bank of America provide community based banking service

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 10/15/2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Bankruptcy

Complaint: I filed for bankruptcy in XX/XX/XXXX and was granted a discharge of all debts. In XX/XX/XXXX I pulled my XXXX credit report and noticed that Fifth Third bank has listed my account as being Transfer/Sold and as a charge off. I filed a dispute with XXXX and on XX/XX/XXXX XXXX reported that Fifth Third bank verified with them that the account is being reported accurately. On XX/XX/XXXX I contacted Fifth Third ( XXXX ) and spoke with XXXX XXXX who stated that in her system the debt was listed as discharged in Bankruptcy. I was then transferred to XXXX ( Bankrupcty Dept. ) who told me he would look into my concerns. On XX/XX/XXXX, XXXX called me back and said that after consulting with numerous employees in his department they determined that the account was being accurately reported to XXXX and XXXX. Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of " past due '' or " charged off. '' This practice keeps this bill alive on my credit reports although it was legally eliminated in bankruptcy. Fifth Third has engineered what amounts to a subtle but ruthless debt collection tactic, effectively holding my credit reports hostage, refusing to fix the mistakes unless I pay money for a debts I do not actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I obtained my annual credit reportXX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX todayXX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, Synchrony-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX  was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me?
PLEASE HELP!
_____________________________________________ Auto Dealers?
XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX _____________________________________________ Synchrony Bank Lowes XX/XX/XXXXAmerican Eagle XX/XX/XXXX Toys R USXX/XX/XXXXXXXX Dual Card XX/XX/XXXXWalMart XX/XX/XXXXOld Navy XX/XX/XXXX TJX CO Dual CardXX/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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Because I was a XXXX right out of college, I had to defer my student loan payments and was crushed with tons of capitalized interest and extra fees. I have been paying loan off since 2014 and I am getting no where. It 's now over {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Numerous times this month, I have faxed my driver 's license, utility bill and Social Security Card to you without a response or correction to my credit report. XXXX Is my report number where XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is my address. The other addresses do not belong to me. Please delete these addresses as they are hindering my ability to obtain credit. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I disputed this account with the company due to identity theft and they failed to provide proof that the account belonged to me and failed to removed it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Student loan (Federal student loan servicing) with ACS Education Services (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have XXXX loans serviced by ACS Education Services -- a Perkins loan and an institutional loan. I am enrolled in the automatic ACH auto-debit program, a program which, as I understand it, is designed to assist in and ensure the timely collection of monthly payments. ACS has informed me that because I am enrolled in the ACH program, it is unable to generate monthly billing statements for my account -- either to be mailed directly to my billing address or posted on my secure online account -- prior to automatically deducting funds from my account. Such a policy prevents me from maintaining accurate and complete records and otherwise makes it difficult for me to manage my account and get timely information about my loan repayment. If ACS intends to automatically collect money from me each and every month, then at minimum, it should be required to provide me with a monthly billing statement without requiring me to un-enroll from the ACH program ( a program which is mutually beneficial to both the borrower and the loan servicer ). I further note that my other federal loans servicers besides ACS, namely XXXX and XXXX XXXX, are able to provide me with a monthly billing statement ( on their secure online portals ) without requiring me to un-enroll from their automatic debit programs. I am perplexed why ACS is thus unable to do so when other loan servicers do so.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (WA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My name is XXXX XXXX. I'm currently live XXXX, WA. My phone number is XXXX, and SS # is XXXX. 

On XX/XX/2018 Around XXXX XXXX, I went to the Wells Fargo bank located at the address XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX to deposit money into my saving account ( Acct # XXXX ). Employee ( Teller ) involved in the case was XXXX XXXX. 

We had {$12000.00} in cash. My wife had asked me the night before to deposit {$8000.00}. There were 2 bundles of money with the rubber band in {$100.00} bill in the black plastic bag. I handed to the teller ( XXXX ) and requested to deposit {$8000.00} and didnt realize that I gave her {$12000.00}. I didnt count the money along with her as she was counting them on the counter. All I remembered she had 6 stacks of {$100.00} bill as she counted. She then went away from the counter to count it in the machine. She went back and confirmed it with me if Id wanted to deposit {$8000.00}. I confirmed it. 

I took the empty black bag home. My wife had asked me where the rest of the money was. She had all {$12000.00} in the bag, 2 bundles of {$8000.00} and {$4000.00}. I had thought my wife already pulled the {$4000.00} away, however after she mentioned about 2 bundles of money, I realized I had given all 2 bundles ( {$12000.00} ) to the teller. I recalled as she counted the money on the counter, there were 6 stacks of the {$100.00} bill. When she counted, it didnt trigger me why she had 6 stacks of {$100.00} until my wife asked for the rest of the money when I got home. I then contacted the bank immediately ; however the bank was closed at that time. I then call XXXX number ( XXXX ) to report it. The operator asked me to contact the local bank the next day. I came to the bank in the morning to claim the money back. The manager ( name ) asked me to wait and recounted the money in the draw, then she claimed no extra cash was floating around. Ive requested for the investigation and view all cameras. However the manager contact me a week later to let me know that they found no extra money left over and therefore the case has been closed.

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 02/21/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I went to a XXXX ATM and made a deposit. It was anywhere from $ XXXX. Deposit was taken but after I received a receipt saying to contact claims to make sure my deposit was accepted. I called claims and made a claim, just yesterday the funds they had put during the investigation were reversed and taken out of my account without notice. Now my account is negative. After calling last night the person whom I spoke to said that there was nothing she can do and the case was closed. I asked to speak to a supervisor and she said she was in a meeting and would return my call in an hour. Keep in mind I called at 10pm pacific time. I caked again and I was allowed to put in another claim, but it would take 5 business days and this time they would not put the funds in my account. I 'm negative in my account and now I have to wait again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2016 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Roundpoint Mortgage Services who services my VA loan has cashed my insurance payment from hail damage in XXXX 2015. They, the Loss Draft department specifically, said initially they were waiting for the XXXX of the XXXX which was submitted with the proposal ( bid/quote ) for services. They said they did not receive the proposal that was also an attachment in the same email. I have since resent it XXXX additional times. They continue to claim they have not received it although, each time, I receive an automated acceptance response from their email system. It is XXXX degrees here in XXXX and they 're preventing me from having a working air condition on a home for which I pay am paying over XXXX dollars for plus interest. In addition, they 're sending me letters saying I am not in compliance with their insurance claim policies because I have not requested a final inspection for the very work they are preventing from being done. Lastly, their phone system does not work properly and when you call it asks three times if you want to leave a message, if you choose not to, it then forces you to or hangs up but no one has returned a single call yet.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 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: Information belongs to someone else

Complaint: Back in XXXX of 2017 I ordered a free copy of my credit report for XXXX, XXXX, and TransUnion before I went out to try to purchase vehicle and I was denied. I looked over the credit report and noticed some major errors, also some new accounts and inquiries I have never opened up. It was really frustrating and embarrassing to have been denied for a vehicle. I have no clue of how these new accounts and inquiries XXXX 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX XXXX Acct # XXXX  XXXX 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX  Acct # XXXX 3. XXXX XXXX XXXX Acct # XXXX TransUnion 1. XXXX XXXX acct XXXX 2. XXXX XXXX XXXX acct XXXX 3. XXXX XXXX XXXX acct XXXX and inquiries without my consent. I contacted each credit bureau by mail with certified copies of letters and I never got any response from any of he bureaus. I 've been waiting for 5 months almost half a year and I have n't seen any actions being taken on the error fraudulent accounts. I sent over various documents along with police reports of the indetity theft and errors on my report. The customer service reps we 're rude and it was very difficult to understand them. I am now pushed to file a lawsuit against all three bureaus along with the companies that are verifying false information on my credit report. It is breaking the law and my rights are being violated. So with that being said I 'm fed up and ready to take legal actions against the bureaus and whomever used my name. I refuse to give any ample time because it 's been a very long time and this is really bad service on your part not communicating with me, rude, unprofessional. I will hire a private investigator in the mean time along with filing the law suit. See you in court. You can email me within 10 days of receiving this message and since you guys have broken the law, I wo n't allow more than 15 days for a response. Treat someone how you want to be treated.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: credit inquiries that i did not do are on my report.

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 09-08-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: in XXXX my identity was used to obtain several credit cards. I contacted the companies at that time and explained everything. it was resolved. earlier this year i received a notice from Portfolio recovery solutions requesting to settle the debt for half of the amount owed. I ignored the letter but received another one just recently. I sent a letter to the company stating that it was XXXX years old and identity theft. I told them never to contact me again. I received a letter yesterday asking for copies of the police report and verification that this debt is not mine. even after i told them not to contact me they are still harassing me.The letter states that the debt was purchased XXXX/XXXX/XXXX from arrow financial. the balance is XXXX.

Company response to consumer: Closed with non-monetary relief