milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recently pulled a copy of my credit report on-line and found that XXXX XXXX XXXX XXXX is reporting the following inaccurate information in my file that is negatively affecting my credit score and life : 60 day late payment I have continuously made payments on this credit card and have brought this to their attention. Payments above the minimum have been paid on-time on a monthly basis and have never been late. 

I understand that per the Fair Credit Reporting Act, they are required to notify me of their investigation results within 30 days but they have not. Additionally, they are required to readjust this but XXXX XXXX XXXX XXXX has not despite my on time payments and evidence showing them that my payments have been made on time. 

I look forward to XXXX XXXX XXXX accurately updating my credit information with all three credit bureaus in order for my credit report to accurately reflect my on-time payments. 

Thanking you in advance.

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 07/18/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Late fee

Complaint: On XXXX XXXX I paid submitted a payment for my Bank of America Credit Card on the Bank of America 's web page to be posted to my account for XXXX XXXX. Their web page said they had a new system to do this, then processed my request and gave me a confirmation number of XXXX. XX/XX/XXXX, I received a notice that I did not pay my credit card and they charged me a {$25.00} for a late payment fee. I contacted them and I told them I did submit a payment through their web page and gave them the confirmation number. They said they will look into it and it may take 10 business days. On XXXX XXXX I received a letter saying they can not find record of receiving a payment and that they can not investigate a payment through a third party vendor. They gave the incident case number XXXX. 

I did not use a third party vendor. I used their own web page. I had a confirmation number their own web page gave me. Their NEW system obviously made the error and never charged my checking account for the payment. I should not be fined {$25.00} for the glitches in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2017 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (VA).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Hello, I am reaching out to receive assistance in regards to an urgent matter. On  XXXX / XXXX /  XXXX   @   XXXX   XXXX  . my vehicle was repossessed by  Honda Financial Services . I have had a rough patch in regards to payment and have clearly communicated this to  Honda  at different points in time. The events that led up to my financial woes are as follows : my husband left my child and I after  eight  years to fend for ourselves ; I was laid-off from my permanent position in downtown  XXXX  , D.C. ; and  I have been working temp positions here and there until I was finally employed by my current employer which just happened on  XXXX / XXXX /  XXXX  . The car being repossessed happened a day before I intended to make payment on the past due balance. I understand they kept calling, but I can not answer the calls at work, since again, this is a new position. Can yo u imagine the hurt of walking outside with my child to take him to school and head to work and my   XXXX   old tells me " Mommy o ur car is stolen! '' Can you  imagine  the embarrassment or not being able to show up to work due to my car being repossessed? I need my vehicle in order to get from point A to point B - to take my child to and from school, and for me to get to and from work. This is the first time I have had a repossession. It was ridiculous that when I went to pick up my belongings, they already had an agent the same day, less tha n five hours after picking up my vehicle, going through my belongings and bagging them up. Really-I could no t get an update from  Honda Financial Services in reg ards to the repossession until after  XXXX , but their repossession agent was able to go through my belongings in less than  five  hours from the time of the repossession taking place. When I ca lled Honda Financial Services t o get information, I was met with a " be patient, we still have to wait for information from the agent. '' Yet when it came to me making payment and asking for their patience due to my circumstances, I was met with hostility and urgency. I was not ducking or hiding from Honda-they were easily able to find my vehicle outside my apartment building. There was not trying to get over on them. I had ran into hard times, and as soon as I was starting to climb out of those hard times, I am pushed right back into the hole.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP ().
Issue: Account opening, closing, or management

Complaint: I was studying in the XXXX last year and opened an account with XXXX bank. My student visa was later rejected after coming back to XXXX, which means I would not be able to go back to the XXXX. To get the funds back, I have been calling XXXX bank for at least 3 times. Each time the phone call lasted for more than 1 hour. They would be just transfering my phone call to different department. After sending the fax and the documentation as they requested, the person from the fraud department claimed that they had never received my fax even though I had had the fax delivery confirmation receipt. When asking him about the process to resolve this matter, he told me that I only could wait and call back if possible. However he could not clarify the expected processing time for this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Other debt) with North Shore Agency, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: After 2 years of terrible service and overbilling by XXXX XXXX we terminated our lease and service with them at a corporate store. This was done on XXXX XXXX 2017. Approximately 2 months later we received a letter from a collection agency demanding payment of {$720.00}. Prior to this we had not received any bills from XXXX since we cancelled our service. When we left the corporate store on XXXX XXXX 2017 we were assured that we had done everything necessary and we owed nothing more. When we called the XXXX customer service number listed on the letter we were treated very nasty and told they could not do anything and that we had to go to the corporate store to fix it. We then we back to the same corporate store on Sat XXXX XXXX 2017. We spoke to the assistanct manager there and showed her the receipts we had from the date we terminated service. She also looked everything up on the computer to confirm. We were offered a copy of the bill ( which we never received ) for service going past our date that we terminated our service. The assistant store manager agreed that we did everything that we were supposed to do and we called customer service while at the store. She verified to customer service that we returned and terminated on XXXX XXXX 2017 and that this was not an error on our part but in fact an error on XXXX part. The answer from customer service was there was nothing they could do even with the assistant store manager offering to give them proof. Customer service would not transfer us to a manager on their side and told us to take it up with the coolection agency. This is fraudulant billing and they are threatening to stain my credit. After searching online they have done these dirty business practices to hundreds of other people.

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 11-11-2016 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Other

Complaint: I was never late in paying my XXXX XXXX account. The account was on autopay set up through Synchrony Bank and that had been the mode of payment since establishing the account. I paid the account off in 2013. I do n't know how they can justify destroying my credit by stating that I was 30 days late for account number XXXX. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Synchrony Bank they refused to take this enormous mark off my credit. That account has been dormant for several years. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from 2013 off 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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I got my XXXX credit report. Two addresses where reported, I have never been to or lived at. XXXX .... I called bank of America, after 3 hours, I had enough! I filed a complaint with the BBB. I just got a response from b of a that says to call the credit bureaus! B of a reported these address! Th credit bureaus say call them, they say call someone else! Sick of all of you! I hate people ... ..

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 03/29/2017 about Money transfers (International money transfer) with JPMORGAN CHASE & CO. (AZ).
Issue: Fraud or scam

Complaint: Case number : XXXX I just sent you complaint but with wrong information on : What company was used to send the money? There is my company name, but should be : Chase JP Morgan United States Sorry for the mistake. 
Below is description : On XXXX I found on XXXX the XXXX. They offer good price for XXXX XXXX XXXX XXXX XXXX. I ordered from them XXXX kilograms for {$1000.00} per kilogram plus {$250.00} for shipping. On XXXX I sent them {$2300.00} by wire transfer. 
After the payment I wait and no shipping confirmation with tracking number from them. I searched on the Internet about this company and found that they cheat people. XXXX of harmed people ordered XXXX tone of chemicals, and he received only XXXX kilograms. In addition the shipping was labeled on other chemicals : http : XXXX I did not received From them any package. 
I asked banker for reverse my money I got from them case number : XXXX. 
On XXXX, XXXX I received call from XXXX and a man from Chase bank told me that he calling regarding this case. He said that he will do this and I must self call to XXXX and demand reverse the money.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Debt collection (I do not know) with Penn Credit Corporation (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Penn Credit Corporation calling from XXXX is repeatedly calling my mobile phone harassing me about a debt that is not mine. I've repeatedly requested that they stop calling my number and to remove my number. Yet they persist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Consumer Loan (Installment loan) with CITIBANK, N.A. (NY).
Issue: Managing the loan or lease

Complaint: On several occasions, Home Depot ( Citibank ) was contacted because they did not apply my payments as instructed to my card account ending in XXXX. I contacted them a total of 6 times where I wanted the excess of my payments applied a promotional balance which is expiring in XX/XX/XXXX. In short, the payment was not applied that way even after escalting to several supervisors. After a lump payment of {$700.00}, i should have had a promo balance of approximately {$2.00} ( yes ... XXXX dollars ) and they consistently failed to apply the payment accordingly. After the XXXX time, I thought it best to go the CFPB route. Please do what you can to assist. 

Thank you

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 04-09-2015 about Debt collection (Credit card) with Cohen & Associates (NY).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I was contacted by this " attorney '', to help me settle a debt. I was told that if I did not make settlement arrangements that I would be served with court papers at my place of employment. Because he sounded legitimate, I made arrangements to make payments on the debt by giving him my debit card number. Upon speaking with my spouse, I found that I have never had an account with this alleged attorney 's client. I can not find this man listed on any states Attorney 's Bar list, however, the emails that they have sent clearly look like they are from an attorney 's office, and the gentleman did tell me he was an attorney.

Company response to consumer: Untimely response
Consumer complaint received 05-08-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was trying to improve my  credit s  core an d disputed a charge off from   XX/XX/XXXX   that was charged off but then paid to  XXXX  in    XX/XX/XXXX .   within the next couple of months I receive a collection notice from  Portfolio Recovery Assoc . saying I owed. I disputed with them and submitted   all the paperwork. They denied it only showing the   XX/XX/XXXX  a mount they did not acknowledge the  21  payments of  XXXX  per month that was reported to the Credit Bureaus. from   XX/XX/XXXX  to  XX/XX/XXXX  . They informed me to take it up with  XXXX  of which I did.   as I am disputing with  XXXX   Portfolio is sending  me more notices that this is my debt. I disputed it again sending it certified this time and once again they will not acknowledge the settlement made to  XXXX . In the process they have put this on my credit of which they said it would say disputing. That was false it is showing as my debt. I was in the process of refinancing my home and have had problems due to their accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Back in 2014 I went in for a free consultation for XXXX through a company called XXXX. After deciding not to have any treatments done whatsoever, I was sent a bill with my name that had a line of credit for {$2000.00}. I then started receiving bills to pay off the balance that I did not owe in the first place. About three months later the company went black nationwide, just overnight the company vanished and every facility was vacant. Since then my account through XXXX was sent to a collections agency XXXX. I have sent XXXX XXXX XXXX XXXX XXXX after XXXX, sending a handful of letters and complaints through them to XXXX, but the only thing that has changed on my credit report is it states CBG ( Closed by grantor ), unfortunately this does n't mean that it has been wiped clean from my record at all. I need this fraud of a company removed from my credit report once and for all because it is causing a lifetime of damage from applying for a small loan or credit card, to renting an apartment or car.

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 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On  XXXX / XXXX  /2017 I n oticed that I pay my card late. I went online and noticed also the late fee of {$27.00} put on already. I call the bank and the agent told me if you pay {$75.00} today that will be for  XXXX  and  XXXX  bill and we will take off the late fee too. I go online to see my payment for this month and I still seeing I have to pay {$75.00} plus the late fee still is there. I call and the agent said we will refund the {$75.00} back and then you pay it back to use to clear the {$75.00} payment but the late fee will remain. So they want to pay {$75.00} plus the late fee. Which I was told pay on  XXXX / XXXX /   2017 pay  {$75.00} and when you do we will take off the late fee. So that late fee is suppose to be in  XXXX  bill not  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 monetary relief
Consumer complaint received 10-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I opened an chase liquid account XXXX years ago and established good banking history up to date and I decided to open a chase premier plus checking on XXXX XXXX and I noticed XXXX days later I couldnt access my funds in my account due to my account being frozen for no apparent reason I called chase numerous times after the incident and was told that I could maintain the chase liquid and was transferred over to another dept and was told that the account couldnt be maintained so I called again and told me that my online access was restored the information with chase had been very inconsistent and untruthful but for no reason my premier plus account was closing for no reason so I talked to XXXX in the XXXX offices and promised that she will submit the information over the business back office to see if the decision can be overturned I explained to chase that I will want to maintain my relationship with my accounts and was told that the chase liquid will remain open and they closed my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: CFPB No : XXXX I received two ( 2 ) cash credits of {$250.00} each to my Capital One credit card. One credit was credited to my Capital One credit card between XXXX XXXX and XXXX XXXX. The {$250.00} was a cash refund due me from the move on XXXX XXXX, 2017. The second credit of {$250.00} was credited to my Capital One credit card on XXXX XXXX, 2017 from XXXX XXXX XXXX ; a refund of my deposit. The cash credits were refunds of money I had paid to businesses and was refunded to me. Capital One gave both cash refunds to XXXX XXXX XXXX XXXX XXXX. From XXXX XXXX to the present XXXX XXXX XXXX XXXX XXXX have not provided proof that I owe them any money. Two bogus charges of {$250.00} were charged to my Capital One card by XXXX XXXX XXXX XXXX XXXXXXXX. Capital One had no right to give my cash money to XXXX XXXX XXXX XXXX XXXX with all charges from XXXXXXXX XXXX XXXX XXXX XXXX  in dispute. I demanded proof that I owed the two {$250.00} charges to XXXX XXXX XXXX XXXX XXXX. Capital One told me they were INTEREST on the {$400.00} charge in dispute. That calculates to 650 % interest or {$3000.00} a year. At no time has XXXX XXXX XXXX XXXX XXXX provided any reason to charge my credit card for {$250.00} twice other than to have Capital One give them my cash refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit card () with NAVY FEDERAL CREDIT UNION (NY).
Issue: Payoff process

Complaint: I have a credit card with navy federal credit union that is now closed but I still have to make monthly payments on it as it still has a balance. I do not receive any paper statements or online statements. Contacted a supervisor twice and spoke to numerous times to customer service reps. The only thing I know is that my payment Due date is on the XXXX of the month. I have no idea what my interest charges are. Everytime I call to make a payment I ask what my minimum payment is and that is how I 've been paying my monthly credit card bill for the past year. Absolutely unethical.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 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: I was shocked when I reviewed my credit report and found all the inaccurate items that did not belong to me. 

CREDITOR : XXXX XXXX XXXX Account # : XXXX I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debt and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested then I would like to have this item permanently taken off of my credit report immediately ( per my rights under the Fair Credit Reporting Act ).

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 08-11-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This information on my credit is not accurate and it not mine I do n't owe any Medical bill in 2013 for the amount XXXX $ Please take it out of my credit ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I just received a letter from XXXX a denial of credit by the way of experian it states it is my right to view my report if I log in to experian report access and under the FCRA.Once again I was denied access on XXXX XXXX  2017

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