milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CO).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: In XXXX 2017 I received an attractive offer for a Chase - Southwest Airlines credit card. The offer said I would receive {$100.00} credit, plus XXXX points in my Southwest frequent flyer account. I applied for the card, but Chase rejected my application. The rejection letter, dated XXXX XXXX 2017, stated Too many credit cards opened in the last two years associated with you ( please see the first page of the attached document ). On XXXX XXXX 2017 I called Chase and complained about it. I was told the decision couldnt be reversed. On XXXX XXXX 2017 I called Chase again and asked How many credit cards opened in two years is too many? The agent failed to answer my question. Ironically, on XXXX XXXX 2017, shortly after my credit card application was denied, I got an offer from Chase for a home equity line of credit ( please see the second page of the attachment ). That clearly shows that Chase considered I was a reliable customer. In addition, at the time my application was rejected I had two Chase credit cards. Both were always paid in full ( I had autopay set up ). Last but not least, I have an excellent credit score. My honest opinion is that Chase bank declined my application because it did not want to honor the bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: The burden of proof is on XXXX, Transunion, and XXXX not the consumer. I am tired of this cat and mouse game with these CRA 's. I have sent a METHOD OF VERIFICATION letter to XXXX, Transunion, and XXXX did not verify the two collection accounts on my credit. XXXX XXXX and XXXX XXXX are not my accounts they are fraudulent accounts/not mine. XXXX, Transunion, and XXXX are not allowed to tell me you will not reinvestigate a dispute according to FCRA 611 ( a ) ( 7 ). I sent a method of verification to XXXX, Transunion, and XXXX and I sent a validation letter to the collection agencies. Neither collection agency validated the accounts so therefore I know for a fact you did not verify these accounts. You also reinserted the accounts without verifying nor validating and that 's against the law. I have not given any third party collection agency permission to share any information if the accounts were valid. I will be sending a certified letter to the CEO of all CRA 's concerning this ongoing problem and I will be starting legal action against XXXX, Transunion and XXXX. XXXX is not a valid form of verification. These accounts do not belong to me and I want them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016 I mailed a RESPA Qualified Written Request to Chase ( XXXX ) in XXXX Ohio. The letter ( with a copy of the original application form ) was a follow up to correspondence from Chase which included a copy of a loan application with a number ending in XXXX. The application also referenced and entity XXXX ( XXXX ) in connection with the same number ending in XXXX. Our letter sent XXXX XXXX, made the following request : " Please provide the XXXX number for the herein referenced APPLICATION for a Chase Home Equity Line of Credit. To date no acknowledgement or response has been received from Chase in regard to this request for information pursuant to RESPA 12 USC 2605 ( e ). Our correspondence was sent via US Postal Service with the tracking number XXXX and was delivered according to the USPS website on XXXX XXXX, 2016 at XXXX XXXX in XXXX, OH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Machol & Johannes, LLC (OR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX a Lawsuit was filed against me by XXXX , XXXX as the " successor-in-interest to the original creditor, XXXX. Represented by XXXX XXXX XXXX : Attorney XXXX XXXX. 
The lawsuit was for a " Prayer Amount : {$760.00} '' The Summons and court filing was my first awareness of either company. 

After months of paperwork filings and court proceedings ( which I have copies of it all ) a ruling was presented : " The court entered a Judgement - General Dismissal on XX/XX/XXXX in the court register. '' This credit reporting needs to be removed from my credit report. As of XX/XX/XXXX they are still reporting this account. 
In the mean time a new Attorneys Office Machol & Johannes has been contacting me regarding the same account claims from XXXX , XXXX. So, even after the lawsuit and judgement XXXX XXXX has sent a new attorney to harass me for the same case. 

In calling XXXX ( the reported original creditor ) to get this removed from my credit report following the court ruling, I was informed that they where not responsible for the information any more and to call the debt collector who purchased the account from them, XXXX XXXX. 
XXXX XXXX does not respond to the information and claims that The XXXX XXXX XXXX is who to talk to, and they are unresponsive. 
In calling Machol & Johannes they are still harassing me for the same case that the court closed. 

I have been getting the run around and passed off by every person ( company ) involved in the situation. I would like for this information to be removed form my credit report as it has been closed by the Circuit Court, ruled in my favor, and all of my attempts at communication have been overlooked or passed on to someone else. 
The claim/account does not have any validity and can not legally keep getting passed to different law firms regarding the same claims. No validating information was ever presented by XXXX XXXX, XXXX, The XXXX XXXX XXXX : Attorney XXXX XXXX or Machol & Johannes, hence the court ruling in my favor. A court ruling has been decided as " Dismissed '' and all parties need to adhere to the ruling.

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 09/14/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Rewards

Complaint: I applied an American Express Platinum Credit card, during the promotion of XXXX for {$3000.00} purchase in 3 months. I spent more than XXXX and got the XXXX, However, I found AMX took it aways on XXXX/XXXX/2016 and nobody can help me. The customer service gave me a XXXX number but again nobody knows what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: SunTrust is manipulating the timing of the posting of transactions to customer accounts to profit from excessive overdraft fees. Currently there is no logic to how transactions are posted to accounts, other than to maximize the fees SunTrust is able to charge. A customer could charge a transaction at XXXX XXXX on a Wednesday that is posted and settled to their account prior to a transaction that occurred at XXXX XXXX. on the same day, even though both charges appeared as " processing '' on the account from the moment they were submitted. As a result, SunTrust is processing larger debits before smaller ones, putting accounts into overdraft status unnecessarily early resulting in additional overdraft fees. For example : An account currently has a {$100.00} balance. On Wednesday at XXXX XXXX. a debit card transaction is processed for {$30.00}. On the same Wednesday at XXXX XXXX. another debit card transaction is processed for {$30.00}. On the same Wednesday at XXXX XXXX another debit card transaction is processed for {$30.00}. On the same Wednesday at XXXX XXXX. a XXXX debit card transaction is processed for {$100.00}. All XXXX transactions are settled and posted to the account on Friday, two days after the transactions occurred. XXXX would expect the first XXXX transactions would be processed with enough money in the account to cover them and only the XXXX transaction would be assessed an overdraft fee. However, this is not what is happening. Instead, SunTrust will process the {$100.00} transaction first, which overdrafts the account and for which it charges an overdraft fee. It will then charge overdraft fees for the other XXXX transactions since they too are posted as overdrafts. Therefore, rather than charging XXXX overdraft free of {$36.00} ( SunTrust 's current rate ) for this set of transactions, they charge XXXX fees of {$36.00} each, or {$140.00}, a difference of {$100.00} profit for SunTrust by manipulating the timing of transaction processing.

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 07/28/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I canceled my contract with XXXX XXXX which incurred a debt of {$300.00} in XX/XX/XXXX. I sent a check to collection agency Diversified Consultants in the amount of XXXX which posted to their system on XX/XX/2017. I called to verify that they had received the check. While I was working with the collection agency, XXXX XXXX charged my checking account an additional {$300.00} without my authorization. Which created an overdraft on my account. I was able to call the bank and get them to reverse the charge since I was able to show that I had already paid the bill to the debt collector. On XX/XX/2017 I received a call from Diversified Consultants stating that I did not pay any debt. I tried to resolve the overcharge with both XXXX and Diversified but neither company was willing to work with me. XXXX told me that I would have to wait 90 days to contact XXXX to begin the process of recovering the overcharge. Diversified told me that it was my fault because I chose to send a check instead of giving them access to my checking account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX of 2017, Equifax experienced a massive security breach which exposed customers personally identifiable information, including mine ( for more info XXXX XXXX XXXX XXXX ) This complaint is to formally record their negligence in securing my personal information and allowing it to be accessed. In addition, that these companies are requiring affected individuals to manually request credit protection or freezes despite the fact that they are the ones who negligently released the information to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XX/XX/17 I attempted to allow a financial app ( XXXX ) access my Capitol one account. Capital one has blocked the information. I would like Capitol one to release my information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Portfolio Recovery has taken old debt that was discharged in bankruptcy and added onto my credit. I spoke to different representatives and they stated the this account was purchased in XX/XX/XXXX. However, any accounts with XXXX were filed under bankruptcy. Also, XXXX XXXX purchased accounts from XXXX and while account was on my Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX credit as XXXX XXXXXXXX, Portfolio Recovery as reinstated the debt to read XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received my first student loan more than 30 years ago, and my last disbursement was on XX/XX/1991. I have been paying on them off and on since then. My loans have been consolidated multiple times, but the interest rate is still around 8 %. I do not think the data I downloaded is correct. Student Total All Loans Outstanding Principal : {$140000.00} Student Total All Loans Outstanding Interest : {$19000.00} Can someone please review it?

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: In 2013 my ss # and name were used by my daughter who is over XXXX to obtain a card in my name. We have the same name. It was mailed to her. I was not aware of this. Total amount is {$480.00}. To XXXX. Ii am on XXXX and am trying to get my life together after a emotional loss. I ran my credit report and this showed up with a XXXX XXXX XXXX bill and XXXX medical bills to a XXXX XXXX and XXXX. These are her debts and I can prove it. She is now will to take responsibility for her debts. I need these removed from y. Credit report. Plz help me resolve THIS! Thx you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (SC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This is in reference to XXXX XXXX Payday loans.XXXX XXXX 2017 XXXX XXXX from XXXX XXXX under the company called the XXXX XXXX in XXXX, South Carolina called all of my references and she left messages on their answering machines explaining how she is going to garner my wages and take me to court, she also said that some people were going to my property and I had to submit some papers. XXXX XXXX called XXXX XXXX one of my references, and told her she was taking XXXX XXXX to court and I have all of this on a voice mail and XXXX XXXX will submit a letter to that effect. When I called XXXX XXXX back I did curse because she called my references and gave out my personal information she said my mother was a XXXX. When I called the company back I asked for the address of the company and I asked them to review the tape. I also advised them never to call me again and to send correspondence through the mail. They still called my phone the next day. I am very upset and so is my mother, and all of my references. They are constantly calling and harassing my phone and my references. I called again to get the address to the company and they would not give me that information and once again I told them never to call me again..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I lease a XXXX XXXX XXXX, with a lease through XXXX XXXX XXXX. I make the lease payments online. Today, I signed into the XXXX website to schedule a payment. A pop-up notice warned me that starting XX/XX/2018, online payments will incur a {$3.00} fee. The fee is not charged to Auto-Pay customers, who have the money automatically withdrawn from their bank account. This fee did not exist, and was not disclosed, when the lease was signed, and is a material change in the lease contract. I submitted a complaint to XXXX, and am submitting this complaint for your review and action. A screenshot of the fee notice is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Continued attempts to collect debt not owed. The original creditor states that my complaint does not belong to them. I never received prior written notification of this debt giving me a right to dispute this debt. I have reason to believe that this debt is tied to an address I never lived at. The law states that you must report accurate information and give me written notification in which you did not do. I never received written notification because you do not have a valid and accurate address for me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Other debt) with Allied Collection Services, Inc. (Nevada) (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I switched from  XXXX  to  XXXX  in  XXXX  of  XXXX . While waiting on payoffs from  XXXX ,  XXXX  sent my final invoice to a collection agency. I called  XXXX  to verify and they stated it was real, so I called the  Collection Company and  based on the phone call and letter they offered me a settlement with  XXXX . This was in  XXXX , they stated I had time before they would report, but if I paid off I was clear and satisfied. When I received my money from  XXXX  I called back to the  Collection Agency i n  XXXX  and took the settlement amount on  XX/XX/XXXX . They stated they would send me a settled in full letter. I thought nothing of this until in  XXXX  they sent my information to credit bureau saying I still owed the other amount from settlement. I immediately called and wanted to know what was going on. They claimed oh it will clear in 90 days, well I was in the process of buying a home, needless to say it cost me a higher interest rate, plus I did not get the type of loan that would have saved me half the money I spent in closing cost. I was livid. I ended up contacting  XXXX , who once again stated yes they had authorized the collection firm, but I still owed the balance, I could let it sit on my credit or pay it off. On  XX/XX/XXXX , I paid the other amount and they promised the next day they would report to credit bureau that it had been paid in full. Needless to say again, I was lied to and by the way, the collection agency stopped answering the phone whenever I called. Finally on  XXXX   XXXX , I spoke again to a  XXXX  representative and she said it would be fixed in 5 days. I kept asking for a satisfied letter, which I have never received. After this process I feel like I was scammed and if I 'm correct, when a collection agency takes over a claim, the company is paid. I paid both the collection agency and went back to  XXXX  and paid the balance. I would have gladly paid the full amount in the beginning, but was offered a false settlement that cost me a lot of time and money. NEVER AGAIN!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit card () with CITIBANK, N.A. (PA).
Issue: Credit determination

Complaint: I just turned XXXX and am headed to XXXX this summer. I received an email advertising credit cards for XXXX students who obviously do not have credit history. I filled out the application for a Citi Card after much deliberation and WAS PROMPTLY DENIED. They sent me a letter telling me that the reason I was denied ws because I did not have credit history! Exactly! So they lured me in and I gave them all my personal information and then they promptly rejected my application. As if that we not bad enough, they obviously sold my information to other companies because within a month, I have started receiving junk mail and solicitations for financial services and credit card applications FOR STUDENTS WITH NO CREDIT HISTORY. I am FURIOUS that Citi Bank is snookering kids like me and then making money off of our personal data. I wrote to them and asked them delete all my information from their data base and they refused, saying I had agreed to sharing all that information when I applied for their credit card for students WITH NO CREDIT HISTORY. Do not allow them to get away with this, please!

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 10/15/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: What is the statue of limitations on collecting a debt? My debt is about 9 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit card protection / Debt protection

Complaint: I had a credit card with citi. In XXXX 2014 I become XXXX and went of family leave through my job. Since then I have been completely XXXX as determined under ssdi as having a permanent XXXX. I paid each and every month a fee for credit insurance if I lost my job, or became XXXX. Well both situations have inhibited myself from laying my bills. Citibank has since reported various delinquencies and have taken legal action against me and have not honored their insurance protection insurance policy that was charged on my credit card statement each and every month. I am now asking that this agency step in and help me force the bank to remove all these negative reports on my various credit reports and have the safeguard credit insurance policy do as it was advertised and the terms and conditions state is is supposed to do and finally put an end to this harassment!

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