milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I went to my police station and got a police report just like Equifax told me to do and I sent them a copy and its been over 45 days and they still have not removed the item. The lady on the phone said when I sent her the info it would be gone in four days ; that was 45 days ago. As I have been researching on the internet a lot of people have had to file a complaint with this consumer financial protection bureau. Can you please look into this for me?

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Checking or savings account (Checking account) with Financial Credit Service, Inc. (OR).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: we got a telephone call from a company that pays of your credit card debt, it was a XXXX XXXX XXXX card .once account is paid off its closed. Now ARA INc bought the account which is eight years old and they are trying to collect on something that is paid off, a XXXX XXXX is trying to collect on old accounts that are closed, I dont want this man doing to other people what he is trying to do to us thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 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: Investigation took more than 30 days

Complaint: I have filed a complaint previously with CFPB and the are accounts and companies on my file I do not recognize and I have never done business with these companies. I would really like to not have to file a lawsuit to resolve the issues that seem that it was never properly investigated full or investigated at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Corelogic made 3 hard inquiries on my credit past 2 weeks. I did not recognize all those events nor gave permission to Corelogic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have continuously contacted the creditor whom refuses my dispute of the validation of this unauthorized inquiry. The representative could not provide with verifiable proof of the unauthorized inquiry, because they did not have the right to view my credit file in the first place. Also, The representative could not provide me with validation as requested, and I have continuously advised the creditor that this inquiry does not belong to me, and request that the following be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing to complain about JP Morgan Chase refusal to credit my mortgage account with late charges in the amount of {$300.00}. These charges incurred in the account over five years period and were caused of technical issues on Chase.com own website in processing my payments on time. To date, the full mortgage balance has been paid off including all fees involved. I strongly believe that Chase should credit me the amount of {$300.00} since these charges were beyond my control. I had a strong history on making my payments on time. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/2017 I used XXXX  's service to get credit reports from XXXX, XXXX and XXXX. I noticed that there was a 'negative ' account being reported. The account in question was a Wells Fargo line of credit for {$20000.00} that had a status of " Late 30 Days '', even though the account has a balance of {$0.00} and is closed. I contacted Wells Fargo and their analyst agreed it was incorrect and said she would work to get it corrected. I also opened disputes with all 3 credit bureaus. I thought the issue was resolved, but I just ordered new credit reports, and the account is still in " Late 30 Days '' status. This status has been a negative attribute on my credit report for over 2 years, I have followed the prescribed procedures, waited the 30 days the bank has by law to respond, and they have not corrected the problem. Just to be crystal clear, because the Wells analysts were confused on this point before I escalated : there were several periods over the life of the loan where it was 30 days late, but the CURRENT STATUS is PAID OFF with a BALANCE OF {$0.00}, which means that THE CURRENT STATUS CAN NOT POSSIBLY BE 30 DAYS LATE.

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 07-05-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has gone over the 30 day mark and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, they are required to " delete all information that can not be verified. '' I need your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am contacting the CFPB for urgent help as my home has a scheduled foreclosure date of XX/XX/XXXX. I have been attempting to get a modification from PNC Mortgage for years. I had as business that I struggled to keep open for years and eventually closed the business and found employment. I have submitted applications over and over and always closed out for not sending in documents I sent in. I am begging to keep my home I purchased in XX/XX/XXXX for {$260000.00}. The value on this home is approximately {$310000.00} and I owe with arrears close to {$460000.00}. The rate is 5.875 %. I am not even looking for a lower payment, I am just looking to resume making payments. I had filed Chapter XXXX 2 years ago and this made applying for the modification even more difficult through the bankruptcy department. I am hoping the CFPB can forward my complete application to avoid going back and forth over missing documents.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (I do not know) with RentDebt Automated Collections, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/2015 I sent in writing to the apartment manager the request to vacate as the property was not safe and caused my husband to have a XXXX XXXX and went to the hospital We can provide medical bills if needed. We stayed in a hotel to recuperate from the heat and upon returning to the apartment to collect our belongings they had stolen our personal belongings and trashed the rest of our things. Then they sent us to collections for a bill we should not have been charged for in the amount of {$2200.00}. We requested the fix the air conditioner unit in the apartment many times during our lease term and they would only send maintenance up to clean the unit and it still would not cool the apartment. The electric bills doubled and I can provide those as well. Please find attached the email. I tried attempted several times to solve this matter directly with them and they refused. So we now have damaged credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A satisfied judgment was filed XXXX and placed on my credit report. I would like this item removed from my credit report as the 7 year waiting period has expired. XXXX have dropped the item from my report. I would like Transunion to do the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (MD).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On XX-XX-2017 I, XXXX XXXX XXXX XXXX, tried to open a new checking account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD. XXXX. I was told that I could not open an account, due to a ChexSystems report containing a file produced by XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX in reference to a Checking account held by myself, mother XXXX XXXX, and wife XXXX XXXX rtn.XXXX acct. ending XXXX. Closed non-sufficient funds X-X-2017 amount {$3700.00} This negative balance was a result of a charge back, reversal of provisional credit, as a result of fraudulent payments to XXXX drawn from the account in my mother 's name. This credit should have never been reversed, because the account was even deemed fraudulent by XXXX and payments were not due by anyone on the account. Furthermore, this should not effect my ability to open an account at another bank, for It did not concern me, my XXXX account, nor my ability to pay back a credit that was not my business even though the credit should have been sustained in the first place.

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 09-10-2015 about Debt collection (I do not know) with Alpha Recovery Corp (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling me at work, my cell phone, my family, and friend. 
They call many times of day. 
I do n't want to lose my job over this. 
They threatened my son.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2016 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (IL).
Issue: Other transaction issues

Complaint: I recently used Chase Quickpay to sell a pair of concert tickets I could no longer use. The buyer sent payment through Chase Quickpay, which I accepted. After the payment was accepted, I gave him the tickets. 
The next day I got an email that said the transaction had been cancelled. When I called Chase customer service I was told that everything looked fine on their end and that it would just take a couple days to process and that I should receive the funds by Tuesday. 
I logged in again on Monday and saw that the money had been reversed with the note that it was cancelled. I called customer service and was told there was nothing they could do and that I should n't have used Chase Quickpay for the transaction. Apparently the other party had cancelled the transaction from his end later that same day. 
As a long-time loyal Chase customer, I am very disappointed with this response. I have multiple accounts with Chase, including checkings, savings, investments, auto loan, and XXXX credit cards. I would never have used Chase Quickpay if I had known that it was possible to cancel a transaction that has been sent and accepted. I felt confident using Chase Quickpay because I had assumed that Chase would offer its loyal customers basic protection against fraudulent activities but I 've since been informed otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a CITI mastercard after they bragged about offering a 21 month 0 % interest rate to roll other cards to. I have a XXXX FICO credit score that was just reported to me by a creditor, I have a card I wanted to roll to them with XXXX limit. They did not approve I called their number and it said because I filed bankruptucy, I have an old discharged bankruptucy that is not on my credit report and I have not been turned down for credit by anyone for this reason since it has been discharged for quite a few years now. The old bankruptucy was for medical bills and debts, not my home or car. I have even refinanced my mortgage without problems and leased 3 cars. I was told the bankruptucy was off my record after the discharge, which has been some years removed. I do not think this is fair if Citi Bank was able to get these records and I want to get an attorney. I applied for this card on XX/XX/XXXX and just found out XX/XX/XXXX when I called their XXXX XXXX and entered my SS #. I feel I was treated unfairly, I pay all my bills and have a XXXX FICO score and was just told that by a company this month who said I have excellent credit. I feel very frustrated and do not think CITI has the right to deny me for this old history. I do want to seek legal action against them.

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 02/23/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Bank is reporting as the original creditor on my credit report and this company is out of business and have been since XXXX. This is a collection company posing as the original creditor. The last delinquency was in XXXX and now they reported a payment being delinquent in XXXX. This collection company is playing games with the law. I have not been delinquent on any accounts in the past 4 years. How can a collection agency pretend to be the original creditor. I want right to sue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Late fee

Complaint: I receive paper statements from Capital One. Their statements say " payment received by due date or a late fee ''. Several times already, I have been charged a late fee even though I made payment on their website on the due date. Every time I contact them, they say it was charged because I did n't make the payment by a certain time on that day for it to post quickly. Even though the authorization shows it was made that day. No where on their paper statement does it say it has to be by a certain time on the due date. once again today I am contacting capital one about late fees on XXXX statements and I 'm getting the same run-around again. They are only willing to waive XXXX of the late fees. My point in the past is if I had mailed a check/money order dated or post-marked the due date, it would be accepted but my making a online payment ( which is faster ), is not acceptable for that date unless its ' by a certain time. None of my other credit card companies do this. I dont ' mind late fees if my payment action is actually late, not on the due date. This I mind and getting tired of keeping track of something that I ca n't just pick up the statement and see it in writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian has not updated all of my accounts to show correct information.  XXXX   XXXX  has a balance of {$290.00} and has since been paid before due date of  XXXX / XXXX /  XXXX   and reports on the  XXXX  of each month. I have a   XXXX   balance on the account and by reporting the high balance, this is hurting my credit utilization.  XXXX   XXXX  confirmed my statement and that they have already reported this information to the credit bureaus. Why has this not been updated on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX/XXXX/XXXX Called XXXX XXXX @ XXXX spoke with XXXX in the credit collections department. Confirmed payment in full of $ XXXX confirmation # XXXX. Advised that all 3 credit bureaus will delete account from credit report because account is paid in full. It is being reported on my credit report as closed with a {$0.00} balance and it should be deleted completely as per the company ( XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (CO).
Issue: Unexpected or other fees

Complaint: XXXX is a scam! 

This {$25.00} prepaid XXXX card was activated in XXXX and it expired in XXXX. all the funds were removed from the account when the card expired. 

Even though I registered the card, there was no notification that the card would expire and they took no steps to try and resolve the issue. 

I called and went to the website. Nobody was of any help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NC).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: on XXXX XXXX, XXXX they charged me a debit adjustment fee of {$95.00}. I called the PNC Bank the same day to see why. They said that when I went to the Atm machine XXXX/XXXX/XXXX and withdrew {$55.00} I took out {$150.00} instead and that they had it on video. I told them that before I left I counted my money and that I received a total of {$55.00} and not the {$150.00}. They then told me that the person who puts the money into the Atm machine had put the {$20.00} bills in the {$1.00} slot and the {$1.00} in the {$20.00} slot and did not make sure the money was in its correct slot. I spoke to a manager in the store about the problem and she also told me that this had happened to someone else that same day. I called customer to speak to the escalating team because the dispute team denied my dispute. And the escalating team said they are just waiting on the video from the dispute team. On XXXX/XXXX/XXXX the dispute team gave me provisional credit for the {$95.00}. Then on XXXX/XXXX/XXXX they took the provisional credit back. Then on XXXX/XXXX/XXXX they sent me a letter in the mail stating that they credit my account the {$95.00} back. However the funds has not been credited back into my account. I have tried my best to be patient with the dispute and escalating team but they still have not resolved the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/20/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: FIA CARD SERVICES HAVE VIOLATED F.C.R.A.-FDCPA, UNLAWFULLY REINSERTING XXXX ACCOUNTS ONTO MY XXXX CREDIT PROFILE SEVERAL TIMES WITHOUT 5 DAY NOTICE TO CONSUMER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (I do not know) with Rhojo Enterprises, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My name is XXXX and I a member of the armed forces. One year ago I discover an third party collection agency under the name of Orion Recovery place a collection on my credit report. I never had a contract with this company XXXX. I was XXXX during the time frame that they state I had a contract. I being trying to dispute this company with no luck. This company is damaging my credit rating and is charging 8 % interest every month. I would like to have this inaccurate claim deleted from my credit report. I have only been in contact with this company via email. I would like this company to be investigated, I feel as thought this company is scam. Orion Recovery is not bonded or insure in the state of North Carolina in which I reside. Thank you, for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/14/2017 about Credit card () with SYNCHRONY FINANCIAL (IA).
Issue: Closing/Cancelling account

Complaint: I made two payments using a check from another bank ( XXXX ) to pay my balance down as XXXX was offering me a 0 % transfer. I accurately submitted the checking ( from XXXX ) information online into Synchrony 's web site. Unbeknownst to me Synchrony attempted to process the payment ( s ) as cash advances. XXXX rejected the transfer as this was not the intended purpose. I continued to make payments with my normal checking account as I had recurring payments set up so despite the 2 rejected payments I never missed a payment or was late. From my conversation with XXXX this was a clerical error on Synchrony 's end. Despite this Synchrony cancelled my account and referenced " dishonored payments '' for the reason.

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX/XXXX/XXXX I have been sending out letters with the credit laws asking for verification for months with no response to the situation and XXXX will not remove the unverified items.This letter was sent on 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 non-monetary relief