milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: In XXXX XXXX I cosigned for my partner on a vehicle and leased with XXXX XXXX ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XXXX XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XXXX XXXX I conducted a credit check and found a negative account with XXXX XXXX and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XXXX XXXX and still found XXXX XXXX  reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to XXXX XXXX disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XXXX XXXX XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with XXXX XXXX. I do n't know what else I can do, Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The information on my credit report for all XXXX credit bureaus is not mine. The name, and date of birth do not match mine. The accounts were opened before i was even XXXX years old. I just turned XXXX and all of this is affecting me because i am a XXXX and because of the false information of my credit report i ca n't get a credit card, i ca n't apply for student loans, get a car, or even rent an apartment to live in.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (VA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I applied for the XXXX XXXX XXXX card after receiving an pop up saying I was approved for the XXXX XXXX XXXX card on XX/XX/XXXX the day after my birthday. received visa card a week later. I went to use the card shortly there after only to be told by Cashier that my card was declined. The cashier ran my card three times. Also around that time I also received preapprovals for XXXX XXXX and XXXX XXXX  card only to find out later that the bank closed my accounts. In addition, I asked for credit limit increase on a few existing credit cards such as XXXX, XXXX XXXX 's and XXXX credit cards which are normally soft pull on my credit reports but were hard pull. I called the bank and explained that I could n't use my card only to be told that bank closed my account and that I would receive an letter!. They did allow me to keep the XXXX XXXX card that I applied for later. I feel they should of declined this application as well if they are saying I have too many inquiries. Over half of inquiries especially on my XXXX are hard pulls from Comenity Capital. They  are pulling hard pulls on my report for what should of been soft pulls! I received letters stating that I had too many recent inquiries. Most of my inquiries are through Comenity Capital Bank is whats very odd and why I am complainting and very angry! I have held cards with this bank since XX/XX/XXXX. I feel they should close all of my accounts if they are going to be this nasty about closing accounts that they approved and issued the credit cards for. Why go through all this trouble and then deceive me and close my accounts. It was very embarrassing to be in grocery store using your credit card to be told it was declined. There was no reason for this! The bank should of just declined the application in the beginning! I am going to be filing other complaints and seeking an attorney over this! I also feel they need to remove all the inquiries they placed on my XXXX and XXXX credit reports as well. Most of the inquiries should of been soft pulls not hard pulls especially on my XXXX credit report file. I am hoping the FDIC and my Attorney General gets involved in this matter as well!

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Bank account or service (Other bank product/service) with BOK FINANCIAL CORP (FL).
Issue: Account opening, closing, or management

Complaint: The Bank of Oklahoma trust department has been concealing important information on a municipal bond issue cusip # XXXX. 
The bank 's trust officers XXXX XXXX, XXXX XXXX and XXXX XXXX have failed to ever file MSRB-EMMA disclosure statements concerning the financial viability of the health care facility. As well as failing to disclose relevant information concerning the operating license and occupancy rate at the facility. 
This information has been concealed by the trust department, while at the same time telling registered municipal bond brokers that the facility was in good financial health. 
This FALSE information was passed along to me as an investor, and has caused me to suffer a complete loss on my investment. 
I request that the Bank of Oklahoma make me whole on the worthless bonds. 
The bank has known that the facility was closed a few years ago, but concealed the detail from investors.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery Associates filed a judgment against me for a debt that I did owe. I sent them a cashier 's check which they cashed on XX/XX/XXXX. I received a letter that my balance is 0. I have spoken to them on the phone numerous times with them stating my balance is 0. Now XXXX months later, they still have not processed my warrant of satisfaction. I have called the court to confirm that they have not received this paperwork. So I have a judgment on my credit report and with the court that I no longer owe. I have called them on 4 separate occasions to have this cleared up only to be told that I can call back. I am sorry but I should not have to keep hounding them to finish this up. I paid the debt, I no longer owe it so the warrant of satisfaction should have been filed a long time ago. This is the second time that I have had to file a complaint against this company. I do not trust them at all!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/2017, J.P. Morgan Chase Bank refinanced a loan owed to another lender. I make mortgage payments by ACH transfers from an account at XXXX. When I made the first required payment, I included additional funds in the ACH transfer, assuming that those additional funds would be used for additional principal payments. Instead, J.P. Morgan Chase treated the additional amount as additional monthly loan payments, i.e. Chase deducted amounts for future months ' would-be interest in addition to principal paydowns, as if this were a car lease rather than a home mortgage. 
I called their customer service agent, who confirmed that this was done, and that Chase always does this unless the borrower uses US Mail to mail-in a payment slip that expressly lists the additional amount be used to reduce principal. The agent asserted that Chase would backcredit my account correctly. 
I believe that Chase 's policy ( i.e. unless otherwise expressly ordered, the default treatment is to apply additional funds to future amortization payments, rather than principal reduction ), is a violation of Federal Reserve Regulation Z ( the Truth-In-Lending Law ), which may be adversely affecting thousands of borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Rewards

Complaint: I RECENTLY applied for American Express Business Gold Rewards Card via a WELCOME offer that i got in my Online Account at www.americanexpress.com. THE Offer was to get XXXX Membership Reward Points as Welcome Bonus after spending {$5000.00} within 3 months of account opening. ( I had this same card once in the past, and i had closed the account in 2013 ) American Express has a policy that " Welcome bonus offer not available to applicants who have or have had this product '' THIS IS MENTIONED ON THEIR OFFER TERMS. 

HOWEVER, MY OFFER TERMS Did not have this LANGUAGE Restriction anywhere which said that " Welcome bonus offer not available to applicants who have or have had this product '' I have printed the Offer Terms of my welcome offer as proof and am attaching BOTH the WELCOME OFFER PAGE AND OFFER Terms Pages to you as proof. Nowhere in my Offer terms it is mentioned that " Welcome bonus offer not available to applicants who have or have had this product '' I have also faxed/mailed my Offer Terms of my welcome offer which did not mention anywhere that I am not eligible to get this XXXX points since i had this card in the past, to American express customer service, however they are refusing to Honor my Bonus promotion offer saying since i had this card in past, they can not give me the Bonus 2nd time. 
I want your intervention in this matter and make American Express honor my promotion since my offer terms for the card i applied for and am approved, does not have ANY LANGUAGE RESTRICTION OR CLAUSE THAT SAYS " Welcome bonus offer not available to applicants who have or have had this product '' I know of a few people who have got this promotion 2 to 4 times for this same card as their offers that they had received did also not have this Clause restriction 'Welcome bonus offer not available to applicants who have or have had this product ' mentioned on their offers. 

So if other customers who did not have such offer restrictions have gotten this bonus promotion more than one times, why can not This company honor my promotion as my offer terms for this offer also did not mention any such language that states " Welcome bonus offer not available to applicants who have or have had this product '' I am sending both my welcome offer and OFFER TERMS to you as Proof, as all these pages ( my application offer page and offer Terms '' show the proof that there is no mentioning of the Language/Clause/Restriction " Welcome bonus offer not available to applicants who have or have had this product '' anywhere on my Offer i received from American Express company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Credit card debt) with Jonathan C. Frank & Associates, LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Yesterday I was called by the phone number XXXX XXXX XXXX stating that I needed to update my debit card information. As this was not the company I originally set up a payment plan with I started asking questions to which I got very little response. I was hung up on twice, and a XXXX XXXX started yelling when I asked for an email to contact them so I could have a paper trail saying that he did not have an email. He said that he was calling from a law office of Jonathon C Frank,  which the phone number online is XXXX and they do have an email. So I 'm not sure if this is even a real company. I had my boss talk to them as I was extremely confused and she also got very little information. I called the law office number from the website I found and left them a message letting them know to call me back so someone can confirm.

Company response to consumer: Untimely response
Consumer complaint received 04/28/2017 about Credit card or prepaid card (Store credit card) with Atlanticus Services Corporation (FL).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Purchased a treadmill from  XXXX  in  XX/XX/XXXX  after being approved through their website for 0 % interest for 12 months.  Treadmill  was delivered and finally, in   XX/XX/XXXX ,  after I had to call and email  XXXX  to find out who the creditor was, I got my first statement from Fortiva  Credit with the m inimum payment due along with an offer to sign for auto payments from my checking account. If I signed up for auto pay, I 'd get a {$25.00} bonus credit to my account after making the first payment.     I made the first payment on th e  XX/XX/XXXX  & noticed on the  XX/XX/XXXX ,  an imposition of interest in the amount of  XXXX . I contacted Fortiva  Credit through  the online chat feature and was told that my account did not have the promotional 0 % interest. When I inquired about the {$25.00} bonus, I was told repeatedly that the credit would post after the first payment had cleared. When I pressed the rep that the payment had cleared on the   XX/XX/XXXX , I was to ld that the credit would post 37 days later.     So, Fortiva  Credit is bait and switching on the terms of the contract and also continuing to r ack up interest charges for an entire statement cycle before issuing the credit. This was not included in their disclosures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 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: Was not notified of investigation status or results

Complaint: My name is XXXX XXXX. I am writing a complaint against Experian. They will not investigate nor correct the problems that I requested over 30 days ago. 

The case number is XXXX. The last time I requested a review on this problem occurred Wednesday XXXX XXXX, XXXX at XXXX. I also called them in reference to this on XXXX XXXX, XXXX at XXXX pm. Unfortunately, the customer service investigator hung up on me and never review the case. My request to have the two below companies investigated and dropped from my credit report. 

The case number XXXX was about two problems that I feel need to be dropped. The first one was on XXXX XXXX XXXX. On XXXX XXXX, XXXX they tried to take me to court to collect a debt of {$770.00}. I sent in a rebuttal to this company telling them that I never had any dealings with you. Therefore, they are not my creditor. I also stated that they had no personal information on me in-order to stake a claim for money that I supposedly owed them. In return, they did n't come to court. Therefore, on XXXX XXXX, XXXX the case was dismissed. The docket number was XXXX. This case was submitted to the XXXX XXXX XXXX New Jersey XXXX XXXX - XXXX XXXX. It continues reporting on my credit report as money owed to them as of XXXX/XXXX/XXXX. 

Also, I requested that XXXX XXXX XXXX also be investigated because I never received any papers saying that I was late and owed them the amount of {$710.00}. This company is still reporting on my account as derogatory as of XXXX/XXXX/XXXX. I wanted Experian to investigate and possible give the appropriate findings on this account as well. 

Your consideration will be greatly appreciated. My phone numbers are XXXX or XXXX. My email is XXXXXXXXXXXX. 

Sincerely, XXXX 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 10/21/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This is an XXXX account that is 13 years ago that is no longer on my credit report, but Midland Funding has this account using false information calling it XXXX which is wrong, trying to collect on a 13 year old debt my credit have suffer from not having the money to pay XXXX when my job had close down. Midland have file a case with XXXX County Courts on XX/XX/2014 and this case was close. The account number is XXXX and the Docket # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt was due to an XXXX visit where I clearly stated I did not have insurance and was unable to pay the bill. I was treated for a XXXX, and was not advised that I would be placed in collections for my inability to pay. This amount should be discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Hello first time doing this my fiancee has been banking at chase since she was XXXX and today XX/XX/18 all of our accounts were frozen and when we called to figure out what was going on they said all our accounts were closed. We inquired as to why they had closed it and they said there was nothing they could tell us as to why our accounts were closed and offered no advice on what we can do to reconcile this situation. We then went to our branch where we do all our banking and they just called the same number we called already and got the same answer we did and offered us no explanation or outcome except once our accounts are reviewed they would send a check in 2 weeks. We lost everything with this situation and no one is telling us why it happened and no one is telling us what we can do to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working on getting better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 and 60 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) between XX/XX/XXXX and XX/XX/XXXX and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.

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 07/14/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: Our Macy 's American Express Account Statement for the period ending XXXX XXXX, 2015 included a charge ( Transaction Date - XXXX XXXX, 2015 ; Posting Date XXXX XXXX, 2015 ) for the XXXX XXXX XXXX, XXXX ( XXXX? ) for {$24.00}. I have never been to XXXX, AL ; Ihave never dealt with the XXXX XXXX XXXX ; this is NOT my charge. I reported it to Macy 's American Express, to the XXXX ( XXXX ) Police Dept. [ CR : Det. XXXX XXXX XXXX ] and to the Macy 's Amer. Exp. Fraud Dept. ; all were notified on XXXX XXXX, 2015. I paid the {$310.00} bill minus the {$24.00} fraudulent amount. Our Macy 's XXXX XXXX XXXX ending XXXX XXXX, 2015 still lists the {$24.00} charge plus {$2.00} interest [ Total : {$26.00} ]. Ihave notified all XXXX major credit bureaus and established Fraud Alerts with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2016 about Debt collection (Credit card) with DISCOVER BANK (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I went to the offices of XXXX & XXXX who are debt collectors. When at the offices i signed an agreement to pay off my debt that they represent ( Discover Bank ). While there I provided documentation for the initial payment thru XXXX XXXX. When it came time for my second payment I was instructed that my settlement agreement was nullified due to non-payment of the first stipulation payment. Upon investigation it was XXXX who was in error because the funds sent for payment was confirmed by XXXX XXXX that they received the funds and the voiding of my stipulation was in error.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Struggling to pay mortgage

Complaint: I obtained a loan from HSBC in XXXX. I asked XXXX because of concerns about fraud prevalent at the time ) and HSBC rep told me that the loan is a government back loan and pointed to " XXXX XXXX '' in the Note he had me sign. Years later when I tried to modify my loan using the XXXX program I was told that the loan was not government back. That was a major setback for me with significant financial damage. I then tried loan modification with HSBC. After a year of run around, constantly asking for updated documents, misplacing documents, making arithmetic mistakes, underwriter mistake, etc., I was offered a slightly modified loan. I have had some questions about the new loan but HSBC has steadfastly refused to answer my questions, and instead send irrelevant letters, form letters, and conflicting notices. I filed a complaint to CFPB hoping that HSBC would act more responsibly and address my questions. It has not. The Letter it sent CFPB is devoid of any relevant information ; it answered none of my questions, and instead issued an ultimatum. I am writing to ask CFPB once again to induce HSBC to provide answers to the legitimate questions I have, and open an investigation of this and similar cases noting that HSBC has had a history of activities and consumer abuse for which it has been heavily fined by the regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Consumer Loan (Vehicle loan) with Tennessee Quick Cash, Inc. (TN).
Issue: Taking out the loan or lease

Complaint: Please see attached. No response on previous complaint # XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I submitted a personal letter to XXXX XXXX and Transunion in regard to inquires that are on my credit report fraudulently. I was a victim of identity theft. I was able to put a freeze on my accounts and Some inquired were removed after investigation w various credit companies. However Some inquires have not been removed as I need assistance with this. Please see list below w dates and creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- 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