milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed a collection account by XXXX XXXX XXXX XXXX and was told by Experian that the information was correct. I sent XXXX 2 letters, beginning in XXXX 2016, disputing the claim and demanding validation that the account in fact belonged to me. I received a response saying they received my letter, but I never received validation or agreement to remove it from my credit report. My understanding is that if they ca n't validate the account they must remove the information 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 non-monetary relief
Consumer complaint received 08-09-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I received an invitation from Capital One to open a 360 checking account with a Promo code of XXXX, that after I met the requirements of the using the code and having two direct deposit of XXXX or more within 60 days of opening the account, I would receive XXXX as a bonus for opening the account. When I received the invitation I did live in the " targeted area '' but I was moving a week later. On XX/XX/XXXX I called customer service and explained the situation to them and specifically asked them that if I wait to open my account after I move to Florida, would I still get the bonus. The customer service rep said yes, just as long as I entered the promo code and make the 2 deposits. I move to Florida opened my account, entered the code and actually have had 3 deposits within the 60 day timeframe and I have not received the bonus. I called back on XX/XX/XXXX to find out what was going on and at that time I was told that I was not eligible for the bonus and basically was told false information regarding what was the " targeted '' customers ie : they had to be already capital one credit card holders to receive the offer, which is completely untrue. On XX/XX/XXXX, I faxed in a official complaint and explained the situation and asked them to make the situation right and to contact me. I still have not heard anything or received the bonus. If I was not eligible to receive the bonus when I moved to Florida then why did n't the computer tell me this when I entered the promo code? The fact that I met all the qualifications and entered the XXXX promo code, I feel like I am entitled to the promotion. I have also attached the complaint letter I sent to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Application, originator, mortgage broker

Complaint: A person with my name ( XXXX XXXX ) has applied for a mortgage from Chase. Someone at Chase incorrectly noted his email address as XXXXXXXXXXXX, which is my email address. So now we have : - me : XXXX XXXX from XXXX ( email is XXXXXXXXXXXX ) - borrower : XXXX XXXX from XXXX ( email is unknown ) Sequence of events : - I received an email from XXXXXXXXXXXX on XXXX/XXXX/2016 asking me for tax information. I responded the same day indicating that I did not apply for a mortgage. 
- After receiving additionals emails, I called Chase customer service to resolve. They were unable to assist me, because I do not have a Chase account. They suggested I email XXXXXXXXXXXX, which I did. 
- The abuse account response indicated they could only interact with me via a secure web portal, and that I was to log in using my Chase account information. I responded by pointing out that I am not a Chase account holder. 
- I then received an email to confirm registration to a secure Chase portal. I was pleasantly surprised that Chase had figured out how to enable secure communications without me actually being an account holder. Upon confirming the registration, I discovered that the account was for the " other '' XXXX XXXX : it contained mortgage disclosure documents. 
- Concerned about identity theft, after 3 hours of calls to Chase, I finally spoke to the mortgage broker who originated the application ( XXXX XXXX - XXXX ). He confirmed that the " other '' XXXX XXXX has a different address and different last XXXX SSN digits. He promised to try to " disconnect '' my email address from the other XXXX XXXX 's account. 
- On XXXX XXXX, I received a call from Chase with questions about my account. A Chase employee asked me to verify my address and SSN last XXXX digits. Curious, I provided my information. The Chase employee then began to discuss my mortgage application. I immediately told her that this was not my application, and asked her to confirm whether my address and SSN were on the mortgage application. She paused, and admitted they were not. ( XXXX check right there. ) She promised to attempt to remove my email and phone number from the account. 
- Today ( XX/XX/XXXX ) I received another email prompting me to log into the Chase " secure portal '', only to discover my email account is still bound to the " other '' XXXX XXXX 's mortgage application. So now I have access to another person 's mortgage documents, and Chase can not figure out how to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Account was overdrawn in the last few minutes before XXXX. Two small charges were paid last leading to three overdraft charges of {$34.00} instead of one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (MO).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with CitiBank on XXXX/XXXX/XXXX in response to a promotion that I had received. The promotion said I could earn {$400.00} by depositing {$15000.00} and maintaining that balance for 30 days and keeping the account open for 90 days. I decided to close the account on XXXX/XXXX/XXXX ( 99 days after opening it ). I called Citibank to close the account and confirmed that I had met the requirements to receive the promotion. When I received the close-out check, it did not include the {$400.00} promotion. I contacted Citibank which told me that I had met the requirements and that the promotion had been set to be credited the day that I closed the account, but by closing the account, I could not receive the promotion. I escalated my call to a supervisor who forwarded my complaint to a department. This seems like a classic bait and switch. I funded the account with the required amount of money for the required amount of time and yet Citibank has not upheld its commitment.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted all the tree credit bureaus online by disputing the items that should not be on my account. I have contacted the companies they say I owe but even the companies say I do not owe them. I have medical bills that have been settled and I have sent letters to prove and yet the company has not remove the items.     I know  XXXX  and and   XXXX   has been in the news for some deceitful  XXXX   XXXX  numbers and such. I believe the same is happening to my file. I have attached some info to go with this complaint.

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 10/16/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Closing/Cancelling account

Complaint: I got incorrect information dorm the bank and the creditor ask to send a letter form the bank explaining for the account to be reopened and they lied.

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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XXXX XXXX of XXXX I requested a copy of my full file disclosure as well as a full suppression of my file information through Lexis Nexis Risk Solutions department through mail using the official form available for download online. Several weeks passed and I received no documentation. I attempted to contact the company through the email portal on their website and have received no response to date. On XXXX XXXX of XXXX, after vigorous research I attained a telephone number that directed to me a representative that could assist me with my situation. He stated that he could see no request for any file information or suppression. When questioned, the postal service informed me that the mail had in fact been delver to the appropriate location. The phone number provided on the LexisNexis Risk Solution Consumer Site is busy many times a day and when calls were processed, they were not answered. However, the number I attained did transfer me to a representative who was able to process my file disclosure request as well as my opt-out request. I was told this process would take up to 10 business days. On XXXX XXXX, I received mail with a document stating my file suppression request had been processed, however no file disclosure was provided. It is now XXXX XXXX of XXXX, a total of one month and I still have yet to receive any file disclosure since my original request. I have requested consumer files from over thirty of the top third party bureaus and have had little issues with all but two. LexisNexis Risk Solutions is one of them and as such an influential and large bureau/ investigation firm/ data reporter/ and multinational corporation, this is unacceptable and against the FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Affected by Equifax XXXX incident on XXXX XXXX, XXXX according to Equifax potential impact site.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Inquiry Ref . No. :  XXXX  Establishment Name :  XXXX   XXXX   XXXX   XXXX   XXXX  Disputed Amount : {$5400.00}  01.  I specifically requested front desk to not authorize any room charges by any means.  XXXX  front desk assured it would be done.  (   XXXX  did not provide adequate service and failed to provide the request. I believe Foul-Play was involved )  02.    XXXX   did not provide me with any other details of  Hotel Policies , Room Charges or anything when I checked in.  (   XXXX  did not provide adequate service and failed to provide pertinent information. )  03. I  did not provide any authorized amount at the time of check in. But on the receipt that  XXXX  shows, it magically has an  " Amount Deposited ''   that pretty much accurate to the total amount at the end of check out. How does that happen? ( It ca n't be coincidence.  ) 04.   XXXX  claims that I 've signed documents at the end of check out. I was not physically at the property to check out nor did I sign anything at check out. I left early due to a family emergency. Also the signature that was provided has a different  stroke  and is off.  (  Fraudulence is involved ... )  05.   Any room charges, should have been double checked by  XXXX , notified the authorized personnel or customer that was staying in the room & should have had receipts other than the last check out statement, which I was not there to see or sign.      06.  I am willing to compromise and pay for the room but not the extra charges as I did not benefit or use those extra services ... My prepayment charge for the hotel stay was {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Loancare is my fha mortgage bank. I was in a vehicle accident XX/XX/XXXX. Was released XX/XX/XXXX. Had to do months of theraphy. Was able to borrow money to pay back mortgage that was not paid because I was in the hospital. My company allowed me to return to work in XX/XX/XXXX. 
I was behind again {$7900.00}. I borrowed money from my XXXX to pay that. My girlfriend was helping me with keeping up with my bills. We have broken up. XX/XX/XXXX, last month I woke up like another instance I had last year with a thought on my mind and it was my morgage company. 
I had sent them a check to them, two weeks before for XXXX dollars. They sent it back with a note saying it was not enough money. So last week I woke up and remembered. I got on their website to get their number and came across another number for assistance in making payment arrange ments. Talked to someone about payment arrangements. She said she could help. We called on a XXXX way call on XXXX XXXX, and thats when I found out the house had been sold on XX/XX/XXXX. 
I also sent a check that morning for {$3000.00}. Found out this morning they had cashed the check leaving me with an overdrawn bill with my bank. Thankyou.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Credit line increase/decrease

Complaint: I have a Care Credit Account with Synchrony Bank. 
I am using this Credit Card to pay for my Cat 's VetBills, my cat has had XXXX episodes of XXXX. 
I have met all my payments for the promotional offer, no interest if paid off in full in XXXX months. 
I have used this card at my Vet for my cat 's pills, charges in the {$40.00} to {$100.00} range. 
I have diligently paid my monthly payments. 
I noticed on my Care Credit bill, I am being chargedInterest. When I inquired about the interest charge, I was informed by a representative that any chargesunder {$200.00} must be paid off in full in XXXX days. 
I never received a separate statement about thesecharges, they were folded into my promotion bills. 
I did not receive a separate statement stating whatcharges are accruing interest so that I would havethe opportunity and information to pay these chargesbefore the interest was charged. I have paid $ XXXXXXXXin interest so far this year, that I was unaware ofwhat charges interest was being accrued. 
I feel this is very deceitful by Care Credit. 
The customer should be made aware via a separatestatement in additional to the promotional statementsI would certainly have paid off these charges ratherthan pay interest. Since I was informed of thesecharges today, XX/XX/2015, I have arranged topay the remaining amount to avoid additionalinterest charges. I feel I am being penalizedfor paying monthly payments that were a part ofa promotion and paying them off in full before theexpiration date and then being charged unbeknownto me interest on charges I did not receive a separatestatement to be aware of this issue. 
Care Credit is practicing unethical means to havetheir customers accumulate interest because theyare not issuing statements on these separatecharges monthly to the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account XXXX. I had previously disputed this account with BAY AREA CREDIT SERVICE. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX purport I owe.This is a old account from XXXX XXXX XXXX ( bal. {$250.00} ) that has been sold at least four times to various Third Party collections agencies and the previous agencies could not validate the account and it was deleted form my XXXX credit report. 
I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 05-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Settlement process and costs

Complaint: As per your XXXX XXXX, XXXX, correspondence CFPB Compliant XXXX XXXX. My XXXX mortgage originated from XXXX XXXX XXXX to XXXX XXXX XXXX in XXXX. Then it was transferred to from XXXX in XXXX XXXX, to Green Tree Servicing LLC. Only a XXXX mortgage was in the aforementioned. There is no Florida Statue that state that XXXX or Green Tree Servicing LLC can create an alleged XXXX mortgage out of thin air. Then hold my XXXX mortgage hostage from being refinanced by another entity. However, there is a Florida XXXX XXXX XXXX, Statue Of Frauds, Fraudulent transfer ch. XXXX. Thus, this is not only Florida XXXX it is a XXXX XXXX. Because, You are trying to extort {$93000.00} across State lines from me. Thus, I demand you release my XXXX mortgage to be refinanced immediately. XXXX days from this memorandum -- I will turn this case over to the Attorney General Of The State of Florida and the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: TransUnion 's initial web page does not provide a way to obtain a free credit report. Instead it provides a free credit score and a credit report for {$1.00}. You have to create an account with them in order to get either. Both are part of a 7 day trail. After 7 days you have to pay {$17.00} a month for their monitoring service. You can cancel within the 7 day trial period. This TransUnion web page came up on the www.freecreditreport.com site. I have no idea how to get my free credit report from this company. I do not feel I should be required to create an account with them in order to get my report. The other reporting companies do not require this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I signed up for the Equifax credit monitoring enrollment on Friday XXXX XXXX 2017. They said that I would be getting an email confirmation shortly to finalize the enrollment in the monitoring service and I have yet to receive anything after a full week. I called and they said that there was nothing they could do to help. The lady on the phone line had no access to any information and just kept telling me to check my " spam folder '' This is unacceptable. They have allowed my information to be completely compromised and now I am stuck possibly having to spend my own hard earned money to fix their mistakes.

Company response to consumer: Closed with explanation