milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IN).
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: I rented a car from XXXX XXXX and paid for the complete insurance including XXXX dollar deductible. The car reserved was not available upon arrival and XXXX said they would give a free day because the vehicle reserved was not available. The car side view mirrors were damaged and XXXX XXXX charged me for the repairs. I disputed with XXXX XXXX and sent all the paperwork showing the complete coverage including XXXX deductible. Chase responded and said they saw nothing wrong with the charges from XXXX XXXX. Specific dates of the charges are listed in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Medical) with Alorica Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: West Asset Management continues to call both me and my wife regarding a hospital bill from XXXX of 2013. This debt was included in a Chapter XXXX Bankruptcy and they were notified of the filing XX/XX/XXXX. They did NOT appear at the XXXX hearing on XXXX XXXX, and yet are still calling both of us as of XX/XX/XXXX. They have called my wife both at work and on her cell phone. We do not answer the calls, but have traced the number to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Making/receiving payments, sending money

Complaint: Hi, I was told by Bank of America that the {$55.00} foreign transaction fee placed on my account from buying airline tickets off an XXXX website in XXXX dollars was non-disputable. I am unhappy with this response, and it raises a XXXX questions:XXXX ) Why was my other {$0.00} foreign transaction fee able to be waived so easily over the phone? They say on the report that it was a " business decision ''. I am certain that Bank of America can make the same " business decision '' to waive my {$55.00} fee as well. 
XXXX XXXX Other people who have had the exact same issue as me - buying airlines tickets and being charged a foreign transaction fee by Bank of America - and got this fee refunded. 
XXXX ) How is my {$55.00} foreign transaction fee different from the above XXXX cases? Please elaborate. 

I know that Bank of America has the ability to lift this charge. 

Thanks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2017 about Mortgage (Conventional home mortgage) with PLANET HOME LENDING, LLC (TX).
Issue: Trouble during payment process

Complaint: Planet Home Lending sold my loan without proper notification to XXXX XXXX. This is now the third mortgage company in less than a year. It is completely unethical and unreasonable for a mortgage company to sell my loan WITHOUT notification.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit card () with JPMORGAN CHASE & CO. (HI).
Issue: Credit card protection / Debt protection

Complaint: I entered into a service agreement on XX/XX/XXXX with XXXX and paid the deposit of {$330.00} on my fiance, XXXX Chase Sapphire credit card. We hired XXXX to have our dogs transported from XXXX to XXXX. Ten days before ( XX/XX/XXXX ) the pets are to be transported, XXXX was supposed to submit the forms required by the Hawaii Dept of Agriculture to ensure my dogs will be released from the airport. Over a period of 5 days ( From XX/XX/XXXX ), I had emailed the business four times and left one voicemail but the company went completely silent. XXXX then called Chase Sapphire on XX/XX/XXXX and connected with the Fraud department to dispute the deposit since XXXX did not perform the service as agreed upon in their own service contract. Chase then calls XXXX and XX/XX/XXXX actually picks up the phone this time. XXXX denied any wrong doing and denied ever receiving any email or voicemail. XXXX also said that her services are no refunds after 7 days and because of that statement, Chase fraud rejected our claim. When I asked about the business breaching their contract, the Chase Rep stated that we would need to file with small claims court because it clearly stated that there were no refunds after 7 days. The fact that the business never delivered on their service was " another issue, '' per the Chase Rep. We 're stuck with the charge because I signed a contract that said No refunds after seven days.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I been Disputing to Experian the following Inaccurate, Obsolete and Outdated Information on this accounts:1.XXXX # XXXX.XXXX # XXXX.XXXX # XXXXFor the pass year. Please investigate Under CFPB Rules and Under F.C.R.A ( 15 U.S.C Secretary 168i ) and Corret the Erroneous marks on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX, a collection agency failed to validate an account. They continue to report the invalidated account to the XXXX credit reporting agencies. 
In XX/XX/XXXX I requested my free annual credit reports. On my credit reports I noticed an entry by XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I mailed XXXX XXXX XXXX XXXX a letter requesting validation. The information I requested in my validation letter were as follows:1. What the money they say I owe is for. 
2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Show me that they are licensed to collect in Minnesota ; 7. Provide me with their license numbers and Registered Agent. 

They received it around the end of XX/XX/XXXX. In XX/XX/XXXX I received their response. Their response was a computerized printout on their own letterhead. Furthermore, they were n't able to provide the information listed above. 
I allowed two months to pass by giving them sufficient time to send me some actual validation. In XX/XX/XXXX I mailed them a follow up letter to the response they mailed me in XX/XX/XXXX. In the letter I informed XXXX XXXX XXXX XXXX XXXX that they did not validate the account according to the Fair Debt Collection Practices Act. I included a copy of the FTC 's XXXX XXXX XXXX XXXX. I wrote them that according to this opinion letter when a collection agency reports an account to the credit reporting agencies, this constitutes collection activity. The Statute of Limitations on the alleged account they are trying to collect has expired. 
Furthermore, I included a copy of the FTC 's XXXX Opinion Letter. According to this letter a computerized print out if a debt does not constitute debt validation. Again their response was a computer printout on their own letterhead. I received this response in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX of 2017, I requested information from my bank to be sent over to my XXXX account. However, they are extremely slow with the these processes. This continues to be a growing problem because PNC Bank is very slow with updating account information.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In reviewing all three of my credit reports, I noted that a tax lien that contained erroneous information was on all three reports ( XXXX, XXXX, Equifax ). I wrote to all three agencies, and XXXX and XXXX immediately the erroneous information from my consumer report. <P/>However, Equifax " verified '' the erroneous information as correct. However, Equifax did not abide by the FCRA by going to the source of the alleged erroneous information, instead they went to their business partner, XXXX. <P/>In other words, Equifax simply used its own records to verify the erroneous information. <P/>See, XXXX XXXX XXXX XXXX As there is no dispute Equifax and XXXX are in a partnership, as they released the above press release. <P/>In an effort to resolve this prior to the FCRA complaint I will be filing, I sent another letter to Equifax asking them to please abide by the FCRA and complete a " reasonable investigation '' This letter was completely ignored. I even asked Equifax to run my name, XXXX XXXX through XXXX, to show I was serious and was still ignored. <P/>I have retained XXXX XXXX XXXX and they are preparing the FCRA complaint. As the FCRA allows for punitive damages for a willful violation, I am filing this Complaint, which I expect Equifax to ignore. <P/>I under the CFPB can not represent me, but a punitive damages award against Equifax will help all consumers, because if Equifax will violate the rights of a consumer that clearly will litigate, there is no telling how they are treating less informed consumers. <P/>Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Santander sent me a letter dated X/XX/17 in response to my complaint of inaccurate information in addition to wrong account history. They claim that the credit reporting agency is at fault and they will not delete this account. Per the fair credit reporting act the company and the reporting agency gettogether and research the information once one disputes. Santander claims that they are reporting the same information to all three bureaus. I find that odd considering that one of the bureaus, and I have several hard copies as proof of all three bureau reports, one credit bureau has the balance as {$0.00}  and the account as closed. Santander claims the reason for the different balances has to do with me disputing this account. That makes no logic whatsoever. Consider the fact that seeing the information being reported wrong is what made me dispute the information. Meaning, the information was already wrong prior to me disputing. Santander claims that the bureaus interpret the reported information they way they see fit. I dont see how {$15000.00} can be intepreted as {$0.00} At this juncture, because Ihave tried to rectify this erroneous account with Santander several times, and there is a legal paper trail of proof, I now have a right to file a suit for damages if they do n't instruct the three agencies to delete this account off of my credit report. Not update, but delete. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have 2 accounts on my equifax credit report that are fraudulent and i would like them removed immediately. 

XXXX XXXX acc # XXXX XXXX XXXX acc #  XXXX I made Equifax aware of these accounts and they told me that XXXX account was " correct '' as stated by XXXX. How can something be corrrect when its fraud? 

In respect to the XXXX XXXX account Equifax stated in response to my original CFPB complaint that the XXXX account is no longer reporting to my credit report when it still is. 

I FILED A POLICE REPORT ON THIS MATTER AND FORWARDED IT TO EQUIFAX AND IM ATTACHING IT TO THIS COMPLAINT

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (NH).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Phoenix financial has reported me to the credit bureau 's with false information including the dates the accounts were opened ( I checked w the bureaus ) in an attempt to re-park my debt for an additional year, not only that when I reached out to them one of the people who work for them lied to me and said that I had made a payment on this account which is impossible because I never opened it to begin with. Not only that they had the wrong name the wrong address and as soon as they noticed my credit was improving they reported me and made my credit go down 30 points with an accurate information. When I called they were extremely rude and unprofessional borderline bullying telling me that I was responsible that this medical bill I incurred was even as a result of [ they made up something ] which I know for a fact I have never been inflicted with in my life I also priced checked with the hospital that they claimed I went to and at the hospital has cited with me and saying that they are incorrect. Phoenix financial services are full of coercive thieves please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Vehicle loan or lease (Lease) with BMW Financial Services NA, LLC (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: XXXX XXXX is reporting under the business name of BMW Financial to all three credit bureaus. This is causing a lot of confusion. Additionally, XXXX/BMW is reporting inaccurate information to all three credit bureaus regarding my account. I disputed this information and the inaccurate information continues to be reported. This serious issue has now caused me to lose a job opportunity and a chance to submit an offer on a home that was accepting highest and best offers by XXXX on Sunday, XX/XX/XXXX. I have an attorney that is willing to take this case on a contingency basis and will sue for punitive damages on my behalf since I have documentation of the loss and the accurate information. Negative marks were placed on my account only after I called in XX/XX/XXXX and spoke with XXXX XXXX in Collections to voice my displeasure in that XXXX/BMW would not extend deferments on payments to me for a hardship that I endured after my position was eliminated and subsequent job loss. I sent a fax with a letter of explanation and documentation following my initial dispute. I sent the fax on XX/XX/XXXX to XXXX XXXX, Special Accounts Support Specialist. I received a voicemail from XXXX, Customer Support Specialist on XX/XX/XXXX confirming that my faxed complaint had been received by XXXX and that she would reach out to me with further questions if needed. One of the incorrect items is a 30-day late negative mark for XX/XX/XXXX when my payments were deferred only after I was impacted by a natural disaster. I am hereby requesting that ANY and ALL negative marks pertaining to my lease with XXXX XXXX/BMW Financial to my credit report be removed immediately.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX account number XXXX This home equity line was opened in XX/XX/XXXX and was originally with XXXX. It was sold to XXXX and subsequently sold to XXXX. When the account was sold to XXXX it basically disappeared. There was no record of the account on my credit bureau nor could I make payments on the account. My bank records for XX/XX/XXXX only go back to XX/XX/XXXX, and no payments were made during that period ( I ca n't recall any payments made in XX/XX/XXXX ). There was a payment posted in XX/XX/XXXX with XXXX, and then because of the transfer to XXXX, I was unable to make payments. 

My credit report is showing last payment made on XX/XX/XXXX, however, there is no record for day of first default. I have contacted XXXX and filed disputes with all three bureaus with no resolve. My dispute is with the reporting of the account. It disappeared from my bureaus for about 3 years and then randomly came back just over a year ago. Proper recording of the account is required by law and I am having no luck with anyone. Thank you in advance for your assistance.

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 10-05-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I found on my Equifax Credit Report hard inquiries that I did not authorize. I contacted Equifax to remove these from my report and they refuse stating that the inquiries are a factual record. I have tried several times to get these removed since I did not authorize but Equifax continues to remove. These inquiries are from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I.Q.  Data International  is attempting to collect a debt that is not owned whatsoever. They purchased a fabricated debt from an old apartment that created charges because I took took them to court over fabricated electric bills. Initially they tried to collect the debt over  2 we eks after I moved but Georgia Law provides strict deadlines as to when a landlord can claim damage. They must do an exit walk through and send you ANY and ALL damages in writing within   5 business days of move out and by law I was supposed to be notified of inspection. The original creditor broke the law in failing to meet both requirements amongst other things.
Additionally, in the   State o
f   Georgia, it is illegal for the landlord to deduct damages for normal wear and tear. Se  e 44-7-34 ( a ). Thus, carpet cleaning, wall painting and other like expenses can not be deducted from your security deposit if such resulted from normal wear and tear -- -they charged for this as well.
I Q Data International sent a false verification of debt after I contacted them in writing, so for EACH CHARGE, 19   charges total, I requested, in writing, a VALIDATION of debt for every single charge and requested documentation to support each charge because I have photos and documents that dispute the claim. They initially listed this debt on my credit for almost {$8000.00}, it was mysteriously reduced by over {$4000.00} when I send them my initial dispute and the responded with a verification of a fake list of charges. I sent  19 VALIDATION, Not verification, request via certified mail, I paid almost {$140.00} to request validation and they tried to insult my intelligence by sending me another copy of their verification only changing the date. All of the charges are completely erroneous. They have not validated and have ignored all 19 requests.

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 04/27/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: My account was closed without my consent. I was told that I was unable to use my debit card when trying to make a purchase. When I spoke with the customer service representative, she stated that Chase Bank is terminating services with me forever and my account would be closed in 10 days and that I needed to remove all funds from my account. I was not sent any written form of communication informing me of this decision. 3 weeks after I was informed of this information, my account was still opened and I had not received any written letter informing me of Chase 's decision. On XXXX XXXX, 2015 my account was overdrawn because of a transaction I disputed from XXXX in the amount of {$180.00}. Chase Bank made the decision that my dispute was not approved. I provided the confirmation number and itinerary number to Chase Bank and was still denied my dispute. On XXXX XXXX, 2015 there was a overdraft fee of {$15.00} charged to my account even though I was informed by the customer service rep to take all of my remaining funds out of my account. To this day I was never sent any written information informing me of Chase 's decision to discontinue services with me and why.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My family has been getting very annoying letters and phone calls regarding  XXXX  different accounts from this company  Portfolio Recovery Associates. they  claim I owe them, money and they have contacted so many of my family members and sent out letters to  XXXX  different location where I do not even reside and I would like them to leave us all alone and remove their collections from my reports wirth the  XXXX  credit bureaus because these debts were never supposed to be help against me and I gad contacts both  XXXX   XXXX  and  XXXX   XXXX   XXXX  regarding them they understood when I told them my personal information was compromised. What right does this company have placing collections again me when I am a victim? And how are they allowed to send endless mail to my family members homes in  XXXX  and   XXXX   XXXX  . I live in the state of Nevada, this is all so wrong and I would like them to remove me from their databases.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Check Security Associates, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX @ Phone : XXXX Fax : XXXX Email : XXXX is trying to collect on a debt that i owe. I sent them a message that im willing to pay at the end of this month but 3 times requested that they do not contact me at work. Just this morning i was contacted and threatened that they would come to my work.I do not like that harrasment they are causing me by calling my work, especially after i repeatedly have asked them not to.

Company response to consumer: Closed with explanation