milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, XXXX and Experian both responded that they deleted this account because they were unable to verify this account with the creditor. XXXX failed to respond so I sent them new paperwork on XX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. XXXX did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( XXXX or Experian ) were able to verify this negative item and XXXX was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to XXXX and Experian and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.

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 03/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: In XXXX of XXXX, there was a Bank of America sign up bonus for a business bank account. It included {$500.00} for signing up for the business checking account, {$500.00} for signing for for an associated business credit card within 60 days, and {$500.00} for signing up for merchant services within 60 days. For the merchant services account, I was told I would be contacted to set it up. After waiting for a month, I contacted ( via phone, email, and in-branch ) Bank of America and was told that I would be contacted shortly. After waiting another several weeks, I contacted Bank of America again, and was again told to wait. I was finally contacted by a Bank of America Merchant Services representative who told me the no-monthly fee Merchant services account that had been advertised was no longer available. I asked to speak to a different representative. I ended up calling XXXX on my own, and did end up setting up the XXXX XXXX account. 

Over the ensuing 6 months, I was charged monthly fees ( that should have been waived due to having a XXXX accounts ) and did not receive any sign up bonus. I had called, emailed, and online chatted with Bank of America many times ( more than XXXX ), and by the start of XXXX of XXXX, I still had not received any bonus. I was finally awarded {$1000.00} of the {$1500.00} total XXXX/XXXX/XXXX. 3 more calls ( each of over 45 minutes waiting on hold for various representatives ), did not result in the other {$500.00}.

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 03/22/2017 about Credit reporting () with AMERICAN HONDA FINANCE CORP (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: It is showing up as a negative mark on my file, even though it is paid off in full. I have called Honda Finance as well to ask for relief and to have it corrected and they will not. I am trying to get my credit in order after my divorce to be able to purchase a house, and something like this is keeping my score down. I pray for relief.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Under the terms of a time share contract with XXXX XXXX XXXX, XXXX XXXX XXXX, a XXXX time share company, my husband, XXXX XXXX, and I with the help of our attorney exercised our rights under the contract, cancelled it and returned ownership of the time share to the company. A USA time share company which books and exchanges time share units. Without permission or any right, XXXX billed us for services relating to the time share unit which we no longer own. We disputed directly with that company and its debt collecting agent, XXXX XXXX XXXX , XXXX of XXXX, NC that no monies were owed. However, XXXX XXXX XXXX reported XXXX different debts on our credit reports as if these were our obligations. XX/XX/2015, we disputed with the CRA 's and XXXX and XXXX deleted these accounts. However, Transunion continues to wrongfully report these obligations. Many people have complained to the XXXX and online that XXXX. is engaging in fraud and a scam and trying through a collection agency, to get money paid when no money is due. Because my computer is not working, I am filing this complaint through my attorney 's computer.

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 07-12-2016 about Debt collection (I do not know) with GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (HI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Guardian Capital Management to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 Whom it May Concern, This letter is in response to your recent claim on regarding XXXX XXXX XXXX which you claim has been late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This has not been updated as needed. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company.

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Today, X/XX/17, both of my parents received phone calls from Southwest Credit. When I disputed the debt they are attempting to collect, I told to not contact me or any of my family members. They had been repeatedly calling both of my parents who are in no way associated with the account. Upon checking my phone, I also discovered that they called me after being told not to at XXXX XXXX from phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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 would like to come to some sort of closure with XXXX billing, This all started around XX/XX/2016. I joint the XXXX XXXX for life plan,big mistake! It was at that time a free service, in which I was billed 3  payments of $XXXX which I paid! I should never have billed for this service, I contacted XXXX on several occasions I finally received a call from a so called supervisor, Who explained that I should never have billed and I was told that the money would be put back into my account? This never happened, so I stopped paying XXXX until I got it rectified! I have tried numerous times to get this fixed with XXXX! I had tried to contact them online through My XXXX online services, I was repeatedly either disconnected or put on hold. I also called on a land line same result. I even contacted a regional manager who handles these matters for XXXX, again no reply! Needless to say the account was then sent a very unscrupulous collection agency, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX)XXXX, So far they breached my email account XXXX, which I was under the impression was illegal to do? Secondly they run my credit on a monthly basis to keep my score down and report monthly on my credit report, again which is illegal,and these reporting agency's do NOTHING TO STOP this! I have also contacted the Federal Trade Commission on this matter reference number: XXXX 
I am also contacting a Lawyer to see if I can start a class action law suite! Against the credit reporting agency's and this so called professional collection agency! After doing online research it seems that I am not the only one that has issues with XXXX  Billing practices!

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 11-11-2015 about Debt collection (I do not know) with High Point Asset Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: receiving calls at my place of employment. had my husband call to request the name of the company and request calls to stop. the name of the company given by the person who answered the phone can not be found via internet search. I believe this may be the same company that my husband filed another complaint against due to repeated and threatening calls to our home.. they said the name of the company was High Point Access XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (UT).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Good Morning - I have been a chase customer for several years. I have a checking account and different credit card products. Last week on XXXX, I logged into my account online and found the following message on all my accounts. " Your account is closed and no longer available for use. If you have a balance remaining on the account, please continue to make monthly payments by the due date. '' I was in a huge state of shock and called customer service immediately. They were of no help. They said they could n't provide any details and refused to discuss further. I received a letter on Thursday ( XXXX ) which did n't have much information either. They have closed my checking account and the reason they provided in the letter was " After a recent review of your accounts, we have decided to end our relationship with you. ". There was another page attached which said that they have closed all my credit card accounts because of the following reason " After careful consideration, we decided to close your credit card accounts in XXXX XXXX XXXX, because our affiliate is ending its banking relationship with you. '' I am very concerned that this will cause my credit score to go down due to the number of credit card accounts I have with chase. The average age, number of accounts, credit utilization is all going to be affected and cause problems to my credit report/history due to this. And I am also disappointed that I have been using Chase as my primary credit card for several years. It has been a stressful last few days due to the concerns related to my credit report and also that I can longer have the benefits of having Chase cards. This is even going to affect my travel plan for next month. I am deeply disappointed that this has happened. I would like to get some help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Bank account or service (Checking account) with PNC Bank N.A. (IL).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2016 I went to pnc bank on XXXX I put in my account {$230.00}, $ XXXX, went in taking under orders {$130.00}, I ordered some shoes right away but somehow, they did n't come out right away, I was made to put nearly, actually a whole another {$100.00}, in the bank which makes total a {$330.00}, deposit bit I do n't have all such worth of transactions nor, goods making this transaction show dollar for dollar wat, I used, the banks Delayed '', inacccurate, management, accounting my cash to my account fastly, inacccurate not my fault, inacccuratesnfact this is n't the first time I post money n it was gone, or never usable, or used n then I was told " you went busty how can a merchant such as finishline b allowed to say " item went thru, when it didmt? how can bank hold off giving items to them when funds were there,? then turn around n charge XXXX? XXXX bank also when I went to it a XXXX, XXXX, charged in words across the teller till STATING YOU MADE XXXX COMPLAINT VS US '' XXXX? WHICH I CHE KED HER PUT HER IN HER PLACE, BUT THIS STATEMENT TELL ME THAT IT 'S IN THE COMPUTER MY COMPLAINT IN THEIR RECORDS WHICH EXPLAINS WHY I MAY HAVE BEEN CHARGED N ERROR. IF U SPENT XXXX $ XXXX/WITH ONLYBXXXX $ WORTH OF TRANSACTIONS TO SHOW FOR IT, THEN BE TOLD YOUR NEARLY $ XXXXNEG, PUT MORE MONEY IN WHERE 'S MY CASH GOING? I DEMAND IT BE RETURNED, THIS BANK HAS ALSO DENIED LOANS TO BLK, VETERAN XXXX CLIENTS LIKE ME, N BEEN DISHONEST DENYING NOTARIES, TO ME AS WELL, THIS BANK HAS ENGAGED IN RETALIATORY, ACTIONS VS ME SINCE I 'VE BEEN DOING BUSINESS WITH THEM AND MUST B FINED ALSO FOR ALLOWING TRANSACTIONS TO GO THRU, NUMEROUS TIMES ONLINE N THE PORTAL, ONLINE DO N'T MATCH WORD FOR WORD SPELLING OF MY NAME ON CARD, /BANK FILES, WJICH MEANS SECURITY OF PNCBANK, XXXX THEIR ATTITUDES N WORKERS

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015 I opened a checking account at Chase Bank on XXXX XXXX XXXX, GA. The Bank Specialist is XXXX XXXX and Branch Manager XXXX XXXX. XXXX XXXX was the one that opened the account for XXXX. She processed all the documents, gave me a starter package with checks included and XXXX ATM cards of which I opened the account with {$800.00}. the second Transaction was on XXXX XXXX, 2015 of which I deposited a check for {$1200.00}. on XXXX XXXX, 2015 I was made aware that the {$800.00} was not on my account after trying to withdraw money from an ATM in XXXX, GA to which I was told there was Insufficient funds. I made several trips to the bank and spoke with the manager but I was not reimbursed my money. I am getting the royal push around. I worked hard for my money and I could not have opened an account without any money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2016 about Debt collection (I do not know) with Frost-Arnett Company (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A collection agency named Frost Arnet just started reporting a collection account on my credit report for {$2200.00}. Prior to noticing this collection account appearing on my report, I never received any notice about this debt. I have no idea what this is, and have been unable to get a response from the collection agency about it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: Bank of America took money from my bank account for a 2014 debt without notifying me. The debt occurred as a result of the bank 's negligence in not having a business continuity plan. They failed to close their XXXX office despite warnings of a severe snow storm. As a result, I was stranded for over 21 hours on the interstate. As a result of that calamity, I was hospitalized at XXXX receiving XXXX. The Bank further damaged me by not approving my leave and I did n't receive a paycheck while out on leave. This caused my account to become overdrawn. By the time I appealed and fought the decision not to pay me, my account had been closed. At no time did the bank give me an opportunity to try and settle this debt. Instead, they waited 2 years to take money from my account without warning. Bank of America has a history of abusing the elderly and XXXX veterans.

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 06-04-2017 about Money transfer, virtual currency, or money service (Money order) with JPMORGAN CHASE & CO. (CA).
Issue: Fraud or scam

Complaint: XXXX / XXXX / 17   XXXX  a  USPS Money Order fo r  XXXX .     Transferred  XXXX  of the money order funds by money gram wired transfer.   Discovered money order probably fraudulent and reported to Chase Bank and  XXXX   XXXX . Money ordered received under alleged  XXXX  to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Called outside legal hours

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2016 about Credit reporting () with CORELOGIC INC (HI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: In XXXX 2016 CREDCO for XXXX called to offer me a lower interest. I asked them if an inquiry would be reported to the XXXX-they told me no-it would not be however I refused the assist due to my XXXX credit score and me currently trying to get myself out of debt. Most of the inquiries are from this company s they call every 2 or 3 months. I now see this Inquiry on my report and want it removed as I DID NOT give them permission. Can you please help me. 

XXXX XXXX XXXX Phone XXXX XXXXXXXXXXXX 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 04/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XXXX XXXX and now Navient Corp. have violated the terms of the consolidated loan and have charged late fees and put the loan in forbearance without consulting me first. They. loose paper work and even one of my checks with no explanation or apology. They have accused me of missing payments and I have sent them my bank statement which shows a double payment. They assign an advocate and they last about a year and then do n't tell me of a change in personal. The loan was for my Son.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I paid my balance down to within {$100.00} from a balance that was {$2300.00} in XX/XX/18 with the XXXX XXXX XXXX XXXX XXXX. As soon as I paid the balance down, they lowered my credit line to {$300.00} with no explanation at all. I had tried to purchase something and it kept getting declined to I logged in to the website and saw this and was shocked. No email, no phone call, nothing explaining why. I can understand declining it a few hundred dollars maybe, but a {$1900.00} decrease? That is beyond 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 08/31/2017 about Debt collection (Other debt) with Brown and Joseph, Ltd (IL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint: On XX/XX/17 I was contacted by XXXX XXXX from the company Brown & Joseph , Ltd. located in XXXX, IL, threatening me to pay a debt that I did n't even know I had and taking my case to a court room. He was demanding me to pay over thousand dollar in workers compensation policy that I never had because I decided for another company. 
He also said he was going to talk to me in XXXX as I did n't understand English.. I am not a XXXX speaking person and I speak English. He finally sent me an email saying It was better to pay the amount before XXXX Central Time, or the case would go worse.

Company response to consumer: Closed with explanation