milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (IN).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX XXXX, 2016 at approximate XXXX, I attempted to withdraw {$40.00} from an ATM machine. The money did not disperse instead I received an ATM receipt stating Decline due to HOST ERROR. I stepped over to the next ATM machine and was able to process my {$40.00} transaction. The next day on XXXX XXXX I checked my account and noticed that the first transaction that did not process was taken out of my account in the amount of {$47.00} ( {$40.00} plus {$5.00} ATM fee plus {$2.00} AMEX Serve fee ). I called AMEX XXXX to inform them and they emailed me a transaction dispute form on XXXX to complete and email back to them. I completed the dispute form and attached the ATM receipt that stated DECLINED HOST ERROR the same day XXXX. I received an email back from AMEX XXXX on XXXX stating my dispute was decline and when I called to find out why they stated the owner of the ATM provided documentation that the transaction did dispense the {$40.00}. I spoke to several reps and reps claiming to be supervisors at AMEX XXXX on XXXX and XXXX explaining the situation and asking for the documentation the ATM owner provided with no success. The last person I spoke with was XXXX. He stated that he was from the dispute team and that there was no way I can prove my dispute and there was nothing he could do for me. On Monday XXXX I received an email from AMEX Customer Service stating my account has been permanently suspended due to violation of consumer agreement. I called to speak to someone about the remaining balance of {$210.00} still on my card and what violation took place. Customer Service stated I will receive a check in the mail but did n't say when that would be mailed out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My husband and I were both potentially impacted by the Equifax breach. We feel that this company was negligent in protecting our personally identifiable information and we 're lodging a complaint ( we 're sure one of many ) for the record.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Student loan (Non-federal student loan) with DISCOVER BANK (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Finance company is unwilling to work with me in reducing payments to something that is actually reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are collections on my credit report that are not mine i am going to list them here.        1.   XXXX   XXXX   XXXX   -   XXXX   2  .   XXXX   XXXX   XXXX   -  XXXX  3.   XXXX   XXXX   XXXX   -  XXXX  4.   XXXX   XXXX   -   XXXX  5.     XXXX   XXXX   -   XXXX   6.   XXXX   XXXX   -  XXXX  7.   XXXX   XXXX   -  XXXX  8.   XXXX   XXXX   -   XXXX   9.   XXXX   XXXX   -  XXXX  10.   XXXX   XXXX   XXXX   XXXX   -  XXXX  11.   XXXX   XXXX   XXXX   -  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX   in   XXXX   XXXX  , California or somebody use my identity to pull my credit with Experian,   XXXX   and  XXXX  reporting agencies.I never been to   XXXX   XXXX   to purchase a car or give authorization to pull my credit.
This is a hard inquiry on my credit 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 non-monetary relief
Consumer complaint received 10/28/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Using a debit or ATM card

Complaint: I disputed an unauthorized transaction in my account and the bank refuses to issue a provisional credit why they are investigating. They told me I have to wait 60 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: loan was opened by my now XXXX wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I did n't find out until XX/XX/XXXXthat there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is XXXX XXXX located at XXXX XXXX XXXX in XXXX Georgia 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 01/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: There is a collection agency trying to collect a XXXX bill for {$240.00}. I have cleared this with XXXX. This is fraud. They said they were going to clear it up but so far it has not happened. Someone used my name and address but a different SS. Despite that, the derogatory collection issue is still showing on my credit report and the collection agency is still calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: Under financial hardship and XXXX with both left and right XXXX as well as receiving social security benefits, I needed to find means to pay off household bills, rent, car insurance, life insurance, outstanding medical bills, etc. and when I saw the television commercial from LoanMe.com for an installment loan, I applied over the telephone. And was given a {$2500.00}, it was not stated up front the amount of interest to be paid on the loan at 138.63 % ( Overall finance charge of {$11000.00} ). The shock for me when I received the LoanMe, Inc. Promissory Note and Disclosure Statement was the full amount without added Late fee to pay off note was ( {$13000.00} ). The offer for taking the loan was an encouragement for accepting it because without immediate family support, even extended support from siblings to be self independent financially this was I thought a sound option. But when at my age I 'm unable to find suitable employment outside of my failing health it has been merely trying to survive to pay my rent, buy food, and other life means to not become homeless. I do n't understand why a financial lending institution would charge such high interest and payments to a retiree receiving social security benefits. Afterwards when income becomes even more deflated calls almost daily from various telephone across the country as my caller ID shows even to the trickery of making " Unknown '' or " Private '' numbers. I find that the settlement repayment down over the phone is without an end date and even more so the payment is painfully high. I need some relief, but I do not know who or where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Medical debt) with Strategic Alliances, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a debt validation letter to XXXX XXXX XXXX XXXX to validate the debt they say that I owe on four accounts. I sent the letter certified on XXXX XXXX.2017. I gave them 30 days to respond to my request.They have failed to validate the debt. I have a copy of the letter that was sent to them that was received by someone in their office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MI).
Issue: Account opening, closing, or management

Complaint: I opened a citigold checking account with a bonus offer of XXXX Thank you points. 
Before opening it, I confirmed I was eligible for it. 
I completed the requirements and waited 90 days for the bonus points. 
I chatted with a Citi rep named XXXX who confirmed I 'll get the points. 
Now Citi is saying I 'm not eligible for them.

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

Complaint: Equifax used poor security and my personal information was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with customer service

Complaint: Hi there, so on XXXX XXXX - I mobile deposited a check I got for {$1100.00} into my Chase account, from the rental company of my apartment for the past 2 years. It was my security deposit I was getting back from having moved out. The rental company is called XXXX XXXX XXXX. The following Monday, the XXXX, I discovered only XXXX $ of the check had deposited - so I called Chase to find out what happened, and they informed me that my account was being restricted. And in order to lift the restriction they had to speak to the maker of the check, XXXX XXXX XXXX. And if they did not speak to the maker, the account would close in 10 days and the money would be held in suspension indefinitely. Unfortunately, XXXX XXXX XXXX does not have an office phone number, as it is independently owned, so I was unable to put Chase in contact with them. Chase told me they must speak with the maker, or I could have them put a stop on the check. But when I contacted XXXX XXXX XXXX ( the bank the check came from ), they told me they could not stop the check because the funds were cleared from their account and were placed into my Chase account. I attempted numerous times to contact XXXX XXXX XXXX, but they refused to provide a direct # for Chase to call, and Chase refused to provide a direct # for XXXX to call. And XXXX XXXX kept telling me there was nothing they could do, as it was out of their hands. I 've tried to find every possible loophole, but now Chase has closed my account completely, still holding the funds in suspension. They refuse to both return the funds back to XXXX XXXX, or lift the restriction off my account for me to access the funds, unless they speak directly to XXXX XXXX XXXX. Which, as I said, I am unable to put them in contact with. I 've spoken to several banks and they all say there is no reason Chase should want or need to speak with the maker of the check, they should only need to talk to XXXX XXXX to establish that the check is legitimate and the funds were cleared. Also, a few days before my account closed, I saw that the complete funds, {$1100.00} were in my account! Which means the check did clear and they were legitimate, however Chase still kept a restriction on my account and insisted on speaking with the maker. I am at a loss of what else to do, I feel like I 've had this money stolen from me, for no reason, and I hope there is a way to fix this situation and get me the security deposit I rightfully earned. Thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: The reason for my complaint is a couple years back I had XXXX bank accounts never bounce a check went over draft or anything I lost my job and applied for a XXXX job for some income until I get a real job so I was told to cash the check they sent me and do Wat I was told like shop at a store and give feedback. I did so but just XXXX the process I found out that it was a scam. I called my bank to advise them of the situation and I was told I needed to wait for the check to cash XXXX so I did the next day I called the bank to see what I can do about the situation and they told me unfortunately they had to place a check fraud under my name. And I could n't do anything about it for 7 years. XXXX off I called the bank to advise them of the situation and the fact I was not aware it was a fraud before the cashd itit. XXXX of all I was never arrested or convicted for that either. Which I should n't have cause I was in contact with the bank advising them what hAppened all I want is a bank account so I can deposit my money. I do n't think I was treated fair in this situation I need help please help me it was bank of America

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian refuses to allow me to dispute inaccurate information on my credit report. This is violating my right to dispute inaccurate information according to the Fair Credit Report Act. Any information regarding my credit report claims I can not dispute this because I already have!! Yet the information is inaccurate. My name is XXXX XXXX not XXXX XXXX, a XXXX bank account has inaccurate information : XXXX BANKAddress : XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Account XXXX .... 


I have a right to dispute inaccurate information!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: The lender advised on XX/XX/2017 By XXXX XXXX XXXX - opt XXXX - the clients file was approved for a loan modification : approval terms of In-house mod are as follows : Total loan amount is {$780000.00} -interest barring balance is {$540000.00} -deferred balance ( balloon note ) {$240000.00} -I/R is now 4.85 % and was 6.125 % XXXX month term - 40 years P & I pmt amount is {$2500.00} 1st pmt due XX/XX/2017 - this loan is on a service transfer list and will be transferred XX/XX/2017 - approval of terms are needed by the lender prior to the service transfer to ensure the new servicer honors the terms set forth. 

Since XX/XX/2017 I have been unable to get a response from the rep about the approved mod terms being mailed to the client. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX we have left voice mails for XXXX and also reached out to the opposing counsel regarding the approved terms, opposing counsel also reached out to XXXX and was advised that the approved docs would be sent to the client and to opposing counsel. To date the lender refuses to speak with the client to take a payment. The clients loan was on a scheduled transfer of servicer list and we were told the approved terms would transfer to the new servicer. We do not feel confident in the information provided by the lender and the lack of communication from the assigned rep is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Credit card () with BARCLAYS BANK DELAWARE (VT).
Issue: Late fee

Complaint: charged a late fee for being XXXX minutes late on { XXXX XXXX 2015 XXXX XXXX } Called a few minutes later to complain, talk to { XXXX with reference # XXXX } who said since this was my first time late with this credit card { XXXX XXXX } that my late fee would be waivered and that the change would show up on my next bill. I just checked my latest bill and the late fee charge was added!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/16/2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (ID).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage is the servicer of my home loan.I have been unable to get any information or answers from at least four loan specialists.I want to know 1 ) Who owns my loan-XXXX is the Trustee and they just had a $ XXXX judgment in favor of the American consumers.I may be eligible for some of that.2 ) The specialists also have not given me any alternatives for when my modification ends in XX/XX/XXXX.I have sent them six communications with all pertinent information and so far all they say is that I will be paying $ XXXX/month starting XX/XX/XXXX.This is totally unaffordable and this is my primary residence.Can you get someone at Nationstar to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Transunion credit customer service refused to release a credit freeze which was placed on the account. The credit freeze has a pin number and when asked to remove the freeze or reset the pin the company refused to send a new pin to the address on record. After answering the security questions correctly, the company argued about the answers they were given. They wanted me to answer questions which were not security questions. They were not multiple choice questions to verify my identity. I was asked to tell them who I have an existing loan with, not a series of answers regarding which is correct. After answering correct, they refused to send a replacement pin or lift the security freeze.

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 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: I have filed numerous disputes with the credit reporting company and accounts that were opened in my name, are still listed each time I call and speak to a representative I am informed that the process will take an additional 30 days and there is never a resolution in having the items removed. I also spoke with the representative regarding incorrect personal information, including social security number and addresses and inquiries that were not authorized by myself and was informed these would be deleted yet my most recent report still shows the information listed. I have attached copies of my FTC identity theft report along with responses from XXXX XXXX, XXXX, and XXXX XXXX XXXX indicating that they have agreed to delete all the accounts. 
This is a direct violation of my consumer rights under : section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that 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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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: Collection companies are changing dates of original date of debt. I contacted collection agencies and receive no response. I contacted Equifax and they tell me I have to prove it. Yet Equifax has had it on my credit for numerous years. For example : XXXX XXXX shows {$240.00} this year - the debt from XXXX was acquired in 2006. This shows up on all credit bureaus. XXXX XXXX shows I owe them, I went to court, the debt was dismissed IN COURT because I turned over my home to XXXX XXXX, Equifax will not remove from my credit, even after I mailed then proof of the court document. I have four credit cards - all in good standing - why does n't Equifax reflect that in my account or score? Also, their credit score is XXXX points less than the other credit reporting agencies with the same information, why?

Company response to consumer: Closed with non-monetary relief