milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX accounts on my credit report have morphed into XXXX. The XXXX original as late the XXXX collection accounts from the same people then the XXXX collections classified as late. Now I have XXXX late and XXXX collections from XXXX accounts. 
The original account was opened in XX/XX/XXXX with a CC processer. The original contract was for 3 yrs I closed it 51/2 yrs later. The XXXX contract was with the same processer ( unbeknown to me ( during that time I continued to pay the monthly {$10.00} statement fee ) ) This account was opened in XX/XX/XXXX. I then realized that it was the same outfit. The same company solicited my business then charged me a termination fee. 
I never signed personally for XX/XX/XXXX contract yet they have charged me. Only my XXXX # appears on the contract not my SS #. ( copy uploaded ). 
The same company has used at least XXXX different names, XXXX XXXX XXXX, XXXX XXXX, XXXX and First Payment systems. 
On my credit report, the charges are listed as a XXXX. There was never any line of credit between myself and these parties. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Nonstop callin and leaves no messages

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed claim of debt owed to a company by name of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Virginia Amount claimed to owe is XXXX. I have asked Equifax credit Reporting agency to thoroughly investigate this issue with this creditor. I have never had any financial obligations with the above mentioned company. The address that this creditor has on file, referencing to the billing statement is incorrect. I have never resided at an address listed on the bill. I have asked the creditor to supply me with a copy of the contract to myself as well as to Equifax credit report agency and they have not supplied any proof of verification to the credit report agency or to myself. Equifax has not investigated this issue within the allowable 30 day time period. This issue remains unverified. There is no documentation provided with a written contract to validate the alleged debt owed to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I noticed there 's a name  XXXX ,  XXXX ,  XXXX  on my Credit card report is incorrect. I do n't used that name. Also I did not open, the  two  Chase credit card back in    2005.  How do I fix this problem? My Email is  XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: Opened a Citi Checking account which offered a {$400.00} bonus for depositing {$15000.00}. I have done so and still have not received the bonus within the prescribed time period. I would like the {$400.00} bonus credited to my account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I ALREADY REQUEST PROOF THAT I MADE THOSE INQUIRIES, I AM ALREADY A CLIENT AND THERE IS NO NEED TO HAVE HARD INQUIRY ON MY CREDIT AND WHY MULTIPLE INQUIRIES? 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Credit card debt) with Dynamic Recovery Solutions, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received debt notice for account that was last posted on credit report XXXX 2013 with XXXX balance.i believe at the time account was reported I specified I did n't know who XXXX XXXX was or what account was for. It has been off credit report for a few years now.dynamic recovery solutions is showing a balance of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Please Be advised. Equifax is in breach of the Fair Credit Reporting Act by continuing to keep inaccurate information on my credit report. I have disputed the inaccurate personal information several times yet no changes have been made to my report. Equifax even notified me that the information had been deleted, yet it remains on my credit report which means Equifax is knowingly continuing to report false information. On XXXX XXXX, XXXX Equifax sent me an investigation result stating the inaccurate address have been deleted. On XXXX XXXX, XXXX I pulled my Equifax credit report and the inaccurat information is still harming my credit report. Despite confirming to me in writing that the information was deleted Equifax insists on violating federal law. This is a clear violation of the Fair Credit Reporting Act, and exemplifies open willful neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Payday loan) with Coastal Financial Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Highly rude! Called my place of employment 4 times in a row speaking to different people. Left a voicemail stating that i will be sued and he will be faxing personal paper work regarding my debt to my HR Dept in 48 hours. After calling XXXX XXXX back he proceeded to speak to me like a was an stray dog. I asked to speak to someone else. Even after doing so he proceeded with his disrespectful tone. Totally XXXX the rest of my work day. Odd collection practices and I never once refused to pay. Something is wrong with this guy!

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received notice from a law firm that a collection agency was demanding money from me from a credit card. I asked over phone and in writing for verification of debt. The law firm did not reply and started an action against me in court without serving me I found it accidentally when looking for something else on XXXX website, so I went down to court to contest and have a hearing on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CT).
Issue: Billing statement

Complaint: American Express customer service representatives failed to resolve a simple issue even after 6+ hours on the phone, and talking with 10 individuals. Each call lasted 1-1.5 hours with an average of 4 individuals, with each call claiming to have resolved the issue. They would place me on hold and leave me with a new customer service representative with no warning, transfer me to departments that were unrelated to the issue at hand, and would place me on hold for 20-30 mins without warning. I 'm not an angry person, I did not yell or otherwise get verbally short with the representatives ; rather, it was clear they did n't want to manage my request ( re-issuing a billing statement ). Not only was American Express difficult to reach, they were incapable of quickly and responsibly addressing my concerns. To date, it is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Auto debt) with URS Holding, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My husband and I have been XXXX owners for over 20 years. We lease our vehicles, and replace them every 3 years so I have had lots of interaction with XXXX. Most recently, we both upgraded to XXXX, and I elected to turn in my XXXX XXXX XXXX after a year and a half into the 3 year lease. I am disappointed that I missed the single notice from XXXX ( XXXX sends ALOT of mail ) 4 months after I turned in the vehicle for an additional {$700.00} due, only to be referred to collections 21 days later. Additionally, my husband received his final bill on his lease for mileage within 30 days. 

I called XXXX XXXX XXXX and the manager indicated they are not able to help me. 

I have called the collections company, XXXX XXXX 3 times, and left messages for 3 different people. Before XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, at XXXX. 

I emailed XXXX XXXX and they referred me back to XXXX XXXX. I 've emailed XXXX XXXX earlier today and am waiting to hear back. 

I am VERY disappointed that A ) I am not able to find out what the charge is for ; B ) XXXX only sent one notice ; and C ) This company who XXXX has agreed to do business with has the ability to impact my credit wont return my calls. 

I am so upset that I am trying to resolve this issue and I am not able to get anyone who can and will speak with me. I am very concerned about this impacting my credit and I have a hard time understanding after 18 months with this car, what the issue might be. 

Finally, I am spending way too much time trying to resolve this issue which is beyond ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Other transaction problem

Complaint: www.paypal.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX They have a large sum of my money ( about {$1600.00} I think ) they won't release because I can not remember the email address & phone number I last used which has changed numerous times, since I last used the account several months ago. But I can prove they have my money because the XXXX XXXX statement shows the transfer of {$2500.00} to my Pal Pal account on XX/XX/XXXX. That account was opened XX/XX/XXXX. I was able to tell them my last transactions and a lot of other information no one else could know. I also gave them my SS # of course Manager " XXXX '' ( he pronounced instead of XXXX, whom I spoke to on XX/XX/XXXX ) lied and said they couldn't find the account. 
I spoke to Pay Pal Manager XXXX ( Employee # XXXX ) XX/XX/XXXX Located in XXXX Arizona said her couldn't help. 

I also went through my phone bills with a Pay Pal employee and couldnt find the number. But they do have my money. There are plenty of other ways to verify my identity. 

FEDERAL TRADE COMMISSION REF # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: on XXXX 2015, i reported my credit card lost, but capitalone credit card stated that they will issue the credit card, which will take 7 to 10 days, but i have not receive my card and I told capital one XXXX, but i have still not received my credit card, i verify my address too. I know that capital one has some not pleasing customer service issues, which i decided to file a compliant. The company is holding my credit card, I also had my card stolen and there was some unauthorized charges on my card. Which I had to call and tell capital one about the charges, but the company only gave me partial amount of the unauthorized charges, which for the third time, there is still another XXXX that the company owe me. They tell me not to worry, but the company has a XXXX fraud liabilty, so since they wont cooperate, i decided to file a compliant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2015 about Mortgage (Other mortgage) with HABITAT FOR HUMANITY INTERNATIONAL, INC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home through Habitat for Humanity low income program in XXXX. The mortgage is serviced by XXXX Mortgage. I fell behind many times and have be able to catch up even filing bankruptcy in XXXX. I have not been able to resolve the fees charged by XXXX of XXXX to XXXX monthly starting XXXX. My mortgage is XXXX and I make XXXX an hour. I got a lawyer to help navigate in XXXX after not being able to catch up with a balance the added XXXX each year in fees. Habitat has not enforced their contract of XXXX late fee on a interest free loan. Its been in limbo and I have stopped paying money that never is applied to loan. I have XXXX XXXX XXXX assisting me to reduce the stress. I am XXXX years old. XXXX is stating about XXXX owed that accumulated since XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NM).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: In XX/XX/2017 i was informed my wells fargo account was closed. I didnt think anything of it and I accidently left my debit card at house i had been living at with some roomates. The roomates knew my pin. Apperently my tax returns from that year were deposited into the account becasue the account wss actually not closed. The roomates theb spent my entire rax return and over drew my account. I was not infromed of any of this till 6 months later i get a call from a debt collector. I then call wells fargo and was told my account was XXXX $ and had been closed. I told them that my card had been closed and they informed me of the tax returns being deposited but they couldnt see what it was spent it on or how my account was overdrawn, that i would have to go to bank to get myblast transactions pulled up.The bank did not help me at all. I then tried to search for my debit card abd could not find it. I tried to contact my previous roomates but they seemed to have disappeared and moved from the house that we all lived at.

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 01/22/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Harassing phone calls multiple times per day from Citimortgage even when my payment is not late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2017 about Debt collection (Other debt) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is a debt with Conn 's - I am not 30 days late- I always pay before it goes over 30 days. I have told them to stop calling me because they ALWAYS get paid. They stopped for awhile, but now they are back to calling over and over again. They call from different variations of the XXXX number and there are times that I have counted over 20 calls per day. I can sit and watch my phone ring- then 20 minutes later- its them again from a little bit different number. This is ridiculous and this should not be acceptable. This is beyond frustrating. This is an abusive and harassing tactic that should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Debt collection (I do not know) with Hunter Warfield, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is not correct information, I gave enough notice and paid in full prior to moving out.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Credit determination

Complaint: American Express sends me emails and offer letters offering a XXXX XXXX credit card. They do this several times a year. I decided to apply. I have a credit score of XXXX XXXX depending on which agency is reporting. I made over XXXX a year, own a home, have rental properties and a solid job of 10 years. 
They denied me instantly and when I called to find out what happened XXXX the emailed me a rejection letter ) I was routed to a call center in XXXX. I could barely understand the people I spoke with and no one could tell my why I would be declined. I asked to speak to someone in the USA. But when I did they told me I had to deal with the XXXX Call center. When I told the supervisor they were not able give me any explanation. I was told that there was no one else to speak with. I asked to be put in touch with American Express HQ here in the USA and was refused. I can not believe " American '' Express has no one in the USA that can deal with this type of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Every tine a deposit is made that the CHASE bank does not think is proper it closes my accounts. Bank in XX/XX/XXXX I had a small overdraft that I attempted to correct, less than {$10.00} most likely less then {$5.00} by joining my XXXX XXXX account. when XXXX XXXX tried to verify the Chase account thru two small deposits of less than {$1.00} the bank, Chase, refused the deposits. I attempted twice to full filly my obligations by using this means. After the bank refused the deposited it charged me up to {$500.00} in fees for their failure to accept the linkage. My account was then closed. Finally I had to settle with a nasty Chase collector, he was located in TX, in XX/XX/XXXX. just to end the argument and not submitting my lawyers " Indigence ''. For a XXXX dollar over draft I had to endure over active bankers trying to make money on their own failure to give proper service. 

Just Recently after having several deposits from individuals not be legitimate, the bank, Chase closed all my accounts for the second time. For up to ninety day I was told that the deposits were good and received, then with out notice I was being investigated and my accounts close. Nothing i had done personally or with any fore knowledge had case the problems. 

Chase will tell you that they do not discriminate, but this is a falsehood on their part. As they do discriminate. When they do not want to give good service, Chase will treat their customers without regard to good customer service, treating their clients as if they were thieves with out good cause. They treat small accounts differently from large accounts. Because they are willing to be more compromising to larger accounts than smaller accounts. 

No one is perfect and is above have a few problems during a relationship with a company that spans many years. How ever Chase does not make mistakes and if they do they throw them into the street so that they are hidden and do not affect it data reports. 
And the employees are safe from any negative exposure. Chase is a large organization that its employees hide their bias and bad service by aggressive handling of accounts. At Chase the employees want large account for their egos and the have little regard for the small accounts My opinion about chase and it treatment of me is that it believes it has a monopoly, Therefor CHASE needs to be broken down into smaller parts. CHASE need to come down from it ivory tower and learn about the real world and that XXXX happen to good people from time to time. XXXX also told XXXX they were were of the earth and so must endure the world as everyone else. Banking brought us in to the digital age and with it cam all of the problems of a new system and all of its faults. Throwing the baby out with the dirty water does not make sense. When it is ordinary to get dirty.

Company response to consumer: Closed with explanation