milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2016 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Credit determination

Complaint: I received a letter from Chase saying I was eligible to apply for a Chase XXXX business credit card for my business. I applied for the card and received a letter telling me I was denied because I had had too many credit cards opened in the previous XXXX years. I called their help line and was informed that even though I had never missed a late payment on a credit card, my FICO score is XXXX, and XXXX of the XXXX credit cards in my credit history were closed at the time of the application, and the XXXX credit card I still have open is a Chase credit card with a {$31000.00} limit, that they would not approve me for another credit card. 

I expressed that I was willing to provide Chase bank with additional proof, including statements and other information from XXXX other Chase XXXX cards that I had received over the past XXXX years to demonstrate my credit-worthiness, in accordance with XXXX Rules concerning evaluation of applications. ( XXXX ) XXXX history. ( ii ) which reads : " On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness. '' I can clearly prove that I am creditworthy by any standard, and believe that Chase is denying me credit for a reason other than the XXXX they are communicating, or that the criteria they are using ( the number of credit cards I had open ) is outside of any behavior that would indicate that I am credit worthy. I have been opening and closing multiple credit cards per year, mostly with Chase, for over XXXX years, and this has never been a problem and has never negatively affected my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Problem with fraud alerts or security freezes

Complaint: I was affected by the XXXX breach. Someone has stolen my identity. I've taken every precaution to try to secure my information. I've put freezes AND extended fraud alerts on all 3 credit bureaus SEVERAL TIMES ( XXXX  - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) ( XXXX - XX/XX/XXXX ; XX/XX/XXXX ; and I locked the account myself online around that time. I also put a promo block on XX/XX/XXXX ) ( TransUnion XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX and XX/XX/XXXX ) and they were allowed to be lifted by someone who was NOT ME. I have put verbal passwords in place to ensure nobody can alter my information, but they were either overlooked or accepted pending further questioning to " prove my identity ''. The " further questioning '' consists of questions giving multiple choice answers to someone who has already stolen my identity and can see the answers on my credit report. In one or 2 cases, someone was allowed to fax in " my '' drivers license for the freeze to get lifted. It was NOT MY DRIVERS LICENSE. I shouldn't have to feel like I'm protected over and over again, only to get alerted by my credit monitoring company that new inquires or tradelines are again being opened in my name. I'VE ALWAYS LIVED IN MINNESOTA. The fraudsters have given me an address in XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX IL XXXX. I'VE NEVER LIVED IN XXXX! I have spoke to multiple people at the 3 credit bureaus who assured me none of my information would change, YET IT DOES!

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 10/20/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Other fee

Complaint: Since i dont use my citi thankyou premier card much, i decided to downgrade to citi double cash back card to avoid the annual fee. I contacted citi and asked to downgrade my card. They did it and told me that they would remove the annual fee since there is no annual fee for the new card. After 1-2 weeks later, I found out that the fee is still there and called them again, asking to remove. They told me they would do it. Now, it has been more than a month, they still did not remove it yet. They made me have to pay it.

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: TransUnion you have been informed several times to remove this and still will NOT what is the issue. I do not understand I WANT THIS REMOVED ATTACHED IS PROOF

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 08/16/2016 about Debt collection (Credit card) with Harvard Collections, LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: AFTER RECIEVING MANY PHONE CALLS, I SENT LETTER DATED XXXX XXXX, 2016 REQUESTING COMPANY CEASE ALL ATTEMPTS TO CONTACT ME PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). THIS WORKED UNTIL XXXX XXXX, 2016 WHEN CALLS RESUMED, THE MOST RECENT CALL CAME TODAY XXXX XXXX, 2016. ANY ALLEGED DEBT WOULD CERTAINLY BE OVER 10 YEARS OLD SINCE DATE OF LAST PAYMENT. THE STATUTE OF LIMITATION FOR LITIGATION HAS LONG PAST ( 5 YEARS FROM DATE OF LAST PAYMENT IN ILLINOIS ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (FL).
Issue: Managing the loan or lease

Complaint: WELLS FARGO XXXX is reporting this loan as INCLUDED IN BANKRUPTCY. I paid for this loan in full and was not included in my bankruptcy.

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 12/29/2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A year ago, on XX/XX/2015 a fraudulent purchase was made online at Bestbuy.com, using my Best Buy card issued through Citibank, to purchase a PS4. It was n't until my bill in XXXX that I noticed the fraudulent charge and called Citibank for the first time. The customer service rep that I spoke to said they would send it to the fraud department and they would get back to me with their findings. A couple months later, I received a letter from the fraud department stating they had found through their investigation that I was responsible for the charges. Knowing that there must have been a mistake, I called back and a new investigation was started. This new investigation came back the same way : I am responsible for the charges. Although I have now spent countless hours of being on the phone with Citibank trying to resolve the issue, I have been hung up on, disconnected and called a liar, and this issue has still not been resolved. They have opened up numerous investigations and each time they find the same thing, that I am somehow responsible for a purchase I did not make. When I asked them to send me the information that proved I owned this purchase, they sent me a print out showing the product was ordered and sent to an address that is not my own. The order was also put through online without any verifying information that matched my own. The address was not mine, the telephone number was not mine. Every time I call to get this resolved, the first person I talk to always comments on how the purchase is " clearly fraudulent '' and will say something to the effect of, not sure why this is taking so long. In XXXX, I thought this was coming to an end when I spoke directly with a supervisor in the fraud department that credited my account and said it was taken care of ( this only occurred after I had requested an address with Citibank to which my lawyer could write a letter too ... ). I was overjoyed that after months and months of countless hours, it was being taken care of! Much to my dismay, however, a letter arrived a couple weeks ago, stating they found me responsible for the charges, once again, had reopened my card and charged it the {$320.00} that they insist I owe. The last time I spoke with Citibank in XXXX, they had cleared me of the charges and I had immediately paid my small remaining balance and closed the card. They reopened the card and charged me again. I really do n't know what to do at this point. I have complied with everything they have asked for and have had to spend at least a full days worth of time in doing so. I 'm not sure what to do at this point. Please help! 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 monetary relief
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed XXXX items on my credit report via letter dated and certified mailed on XXXX XXXX, 2016. The investigation took longer than the 30 days allotted by FCRA. However, the items disputed were not removed from my credit report. On XXXX XXXX, 2016, I certified mailed a 30 day no response letter informing TransUnion on their investigation delinquency and respectfully requested that the items in dispute be removed from my credit report. Both letters were ignored and only XXXX of the XXXX items disputed have not been removed from my credit report. 
According to FCRA, I respectfully request that all XXXX items I disputed in my letter dated and mailed on XXXX XXXX, 2016 ( see attached ) be removed from my credit report. My original letter was received by TransUnion on XXXX XXXX, 2016 ( see attached ). Thus, I was to receive a response from TransUnion via mail on XXXX XXXX, 2016. However, the TransUnion response letter was postmarked XXXX XXXX, 2016 ( see attached ), and I received TransUnion 's response via mail on XXXX XXXX, 2016. Thus, TransUnion 's investigation was in excess of the 30 days allotted by the FCRA. 
My 30-day no response letter was dated and mailed XXXX XXXX, 2016 ( see attached ) and received by TransUnion on XXXX XXXX, 2016 ( see attached ). 
The Fair Credit Reporting Act, FCRA Section XXXX ( b ), and FCRA Section XXXX ( a ) ( XXXX ) requires you to : 1 ) investigate any items that I feel are inaccurate, obsolete or outdated 2 ) Investigate and respond within 30 days and 3 ) promptly delete that item of information from the file of the consumer. 

According to FCRA, I respectfully request that all XXXX items I disputed in my letter dated and mailed on XXXX XXXX, 2016 ( see attached ) be removed from 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 explanation
Consumer complaint received 12/21/2017 about Debt collection (Auto debt) with Professional Debt Mediation, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The original creditor is XXXX XXXX XXXX XXXX {$8100.00}

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX - 1.XXXX XXXX (XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) EQUIFAX - 1.XXXX XXXX ( XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX) XXXX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3.XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5.XXXX XXXX XXXX ( XX/XX/XXXX ) Please dispute these inquiries or  contact the reporting agency and request removal of these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: OnXX/XX/XXXX I ran my credit in the hopes of purchasing a home. When I obtained my credit report I noticed there were inquiries on my report I did not authorize. The inquiries were dated back toXX/XX/XXXX. I called Equifax, XXXX and XXXX to advise that I had a fraud alert placed on my account back in XX/XX/XXXXand no one is authorized to run my credit unless I authorize it. Each credit bureau advised me that I would need to file a police report to have inquiries removed. On XX/XX/XXXX I went to the police department to file a police report. The officer called each credit bureau to advise of the report and unauthorized inquiries. They have refused to remove these unauthorized inquiries despite me having a police report and following the protocol I was given. Below are the inquiries that were unauthorized XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX, Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have found fraudulent accounts in my report :  XXXX   XXXX   XXXX  -  XXXX      XXXX   XXXX   XXXX   -  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: I lost myTJX Reward credit that was issued by Synchrony Bank. I have repeatedly told the investigators that the last time I used the card was on XX/XX/2016. Someone apparently found the card and used it to make online purchases at XXXX, XXXX, and TJMaxx. These unauthorized purchases were made from XX/XX/2016 - XX/XX/2016. After the investigation, the investigator 's finding was determined that I benefitted from the reported disouted purchase. I called the bank and inquired how that determination was made. I spoke to someone named XXXX who told me the notes in the file indicated the determination was bases on a purchase I made on XX/XX/2016 at a vendor used in the unauthorized purchases. I felt that explanation was a clear indication that the investigation determination was baseless and without merit. I requested the inquiry to be reinvestigated. XXXX told me that it could not be done as i was not providing any new evidence. However another department will take a look at the matter. The determination was the same. By now I 'm wondering how could this unfair outcome and burden be arbitrarily placed on a customer who brings business to your company. Not only having to pay for this theft but now it is going to be reported to all the Credit Bureau. There must be a way to appropriately rectify this matter. I am really hoping that someone can hold this company accountable for what I believe is predatory and baseless determination on a matter which has not been thoroughly investigated.

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 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX/XXXX/XXXX I moved out of XXXX XXXX in XXXX XXXX, FL. After moving out XXXX XXXX requested fees they were not entitled to. I filed a written dispute by hand delivery, mail and email within 15 days required by statute. I included a phone number, email and address to contact me. XXXX XXXX failed to respond, rather sending the claim to collections. I found out today XXXX/XXXX/XXXX that Hunter Warfield placed a collections claim on me XXXX/XXXX/XXXX. Hunter Warfield never provided me written notice or an opportunity to dispute the claim. Both XXXX XXXX and Hunter Warfield have failed to comply with their legal requirements, have failed to respond to my dispute of their amount and have simply gone the route of trying to ruin my otherwise perfect credit. I can provide a written copy of the notice I sent to XXXX XXXX XXXX/XXXX/XXXX and if set for hearing I could provide additional witnesses and sworn affidavits proving XXXX XXXX fraudulent, bad faith claims against me. I attempted to call Hunter Warfield today, however they refused to talk to me. They ask if I was ready to pay them, I said no, I do n't owe the money I want to dispute the charge, then they hang up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Bank of AmericaXXXX XXXX ( XXXX # XXXX, XXXX, XXXX ) did not disclose that HELOC payments would be interest + PRINCIPLE during the draw period which led me to reject offers from other banks. I thought I was getting an interest-only HELOC. HELOC application # 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 05-01-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (VA).
Issue: Other transaction issues

Complaint: I sent money to my wife in XXXX the sum of {$260.00} and paid a fee of {$10.00} and when my wife told me that she has changed her name from her family name to my family name ( XXXX, XXXX XXXX to XXXX, XXXX XXXX ), i called western union to change the name so she can receive the money but western union refused that unless they call me on my registered cell phone. I told them am XXXX, right now am with XXXX XXXX in XXXX and that my phone is not working, i told them am ready to provide any other form of identification but they refused unless they call me on cell phone, so i requested to cancel the transaction. Instead of them refunding me my total money of {$270.00}, they refunded me {$260.00}, saying that they will not refund me my fee, meanwhile they refused to change the name and also if i have to send another money i will be paying another fee, i request they issue me back my fee so i can send the money again. This is my wife, and my wife is right now without money and I being XXXX has to take care of my family, but western union is making it difficult for me to take care of my wife. I need my refund fee back

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SO AFTER TRYING FOREVER TO GET A GOOD FAITH REVIEW FOR A LOAN MODIFICATION FROM XXXX. " XXXX '' ( WHICH WILL BE SUMMARIZED IN A SEPERATE COMPLAINT ABOUT XXXX ) MY LOAN WAS TRANSFERRED TO SHELL POINT MORTGAGE SERVICING " SP ''. SO IN AN EFFORT TO START THE PROCESS OF BEING REVIEWED FOR A LOAN MODIFICATION I WAS PUTTING TOGETHER A REQUEST FOR MORTGAGE ASSISTANCE AND CALLED " SP '' TO LEARN - ACCORDING TO THEIR RECORDS - BECAUSE THERE HAS BEEN ALOT OF CONTROVERSY REGARDING THIS THROUGHOUT THE LIFE OF THIS LOAN ... .WHAT THE MONTHLY MORTGAGE PAYMENT SHOULD BE ( ONCE AGAIN, ACCORDING TO THEIR RECORDS ). CALLING XXXX ON XX/XX/2016 AND SPEAKING WITH SP REPRESENTATIVE XXXX XXXX HE WAS ADAMENT THAT THE MONTHLY PAYMENT WAS {$3200.00}. AS THIS WAS QUITE A DIFFERENT NUMBER THAN WHAT XXXX HAD TOLD ME I ASKED HIM SEVERAL TIMES IF HE WERE SURE ABOUT THIS FIGURE?? AND THE ANSWER EACH TIME WAS A CLEAR " YES. '' SO I WAITED AND CALLED THE SAME NUMBER LATER ON THAT SAME DAY ( XX/XX/2016 ) TO DOUBLE CHECK ON THIS. THE REPRESENTATIVE WOULD NOT IDENTIFY HIMSELF BUT HE INFORMED ME THAT MY MONTHLY PAYMENT WAS {$5300.00}. 
I EXPLAINED TO HIM THAT THE FIGURE HE WAS TELLING ME WAS VERY MUCH DIFFERENT THAN THAT OF WHAT I WAS TOLD BY THE PREVIOUS SERVICER AND WHAT THE SP AGENT HAD TOLD ME EARLIER IN THAT VERY SAME DAY. BUT HE TOO WAS ADAMENT IN HIS FIGURE OF {$5300.00} AND WHEN I ASKED HIM SEVERAL TIMES IF HE WAS CERTAIN OF THIS FIGURE THE ANSWER WAS A CLEAR " YES '' EACH TIME. 
SO THERE YOU HAVE IT - IMMEDIATELY OUT OF THE GATES IN THE PROCESS TO GET A GOOD FAITH REVIEW FOR A LOAN MODIFICATION SP WAS STRAIGHT UP LYING TO ME ABOUT THE MONTHLY MORTGAGE PAYMENT ( WHICH OF COURSE WOULD MAKE IT IMPOSSIBLE FOR ME TO GET A LEGITIMATE REVIEW FOR A LOAN MOD UNDER WAY ). AND SINCE THIS HAS BEEN A SERIOUS ISSUE AND SOURCE OF GREAT CONFUSION GOING BACK ALL THE WAY TO THE ORIGINATION OF THIS LOAN COMBINED WITH THE FACT THAT I HAD JUST SPENT A WHOLE YEAR TRYING TO GET A REVIEW FROM XXXX ONLY TO GET A NEVER ENDING RUN AROUND - I REALLY HAD NO CHOICE BUT TO FILE BANKRUPTCY AT THAT POINT. AND WITH IT HAS COME MANY ADDITIONAL COSTS 2 ) TIME LOST ... .IT 'S TAKING A TON OF MY TIME AND FOR YEARS NOW I HAVE BEEN WASTING MY TIME ON THE PURSUIT OF A LOAN MODIFICATION AND I REALLY, REALLY NEED FINAL RESOLUTION TO FINALLY MOVE ON WITH MY LIFE. OTHERWISE I MAY JUST XXXX. SERIOUSLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation