milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
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: There were three charges on my business debit card that I called to dispute on XXXX XXXX, XXXX. The rep at the time seemed to be unaware of the procedure, and I couldnt clearly understand him. However I proceeded with answering all the questions ask concerning why I was disputing and my evidence. I was told that I would receive a letter in the mail that I would need to sign and send back in. I never received the mail as told. 

After the holidays XXXX XXXX, XXXX I called again to get the status of my dispute and was told that they did not have any dispute on record. Perplexed, I asked what I should do. I was then told that they would submit the disputes properly and I proceeded to answer the same questions and provide proof. This time the rep seemed knowledgeable and was clear and cosice. She also told me that she noted my account on the previous dispute that was not filed properly. The next morning XXXX XXXX XXXX I receive a decision letter via email, stating they did an investigation and the funds will remain on my account. 

More perplexed, I called in that same day to find out exactly what was happening. This time a rep told me that the dispute was denied because they couldnt recover the funds from the merchant due to the date I submitted the claim ( essentially I was to late ). I explained yet again that I had previously called to dispute and it was not processed properly per the reps statement. And that I was told to resubmit because of it. The rep told me there was nothing they could do to help because they were unable to recover any funds from the merchants bank. 

Now, I have a merchant that will not refund and a bank that essentially dropped the ball and decided they will not help me any further other than submitting a complaint that does not remedy what actually happened to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-08-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/2017 at XXXX ( EST ), I attempted to deposit a check from a very credible company and a client of mine, in the amount of {$250.00}, through the ATM at the Wells Fargo XXXX XXXX , FL . When the check was inserted into the ATM machine as instructed, an advise appeared on the screen which said " unable to accept this check due to a system error ''. At that moment, the deposit was not accepted but, the check was not returned to me. I attempted to get help from the branch manager. However, he did not want to get involve. He suggested to call the corporate office. When I contacted the corporate office ( XXXX ) the lady gave me a reference number ( XXXX ) and told me that they would look into it. However, as of today, no one has contacted me on this issue ; the check has not been returned and the {$250.00} deposit has not been posted to my account.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX / XXXX / 2009 . I have disputed the issue with credit bureau to determine with account on my credit report is orginal or duplicated.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Springleaf financial services reported hard inquiries to my credit report. I have never applied for credit at springleaf. I have contacted the lender and have had no success on removing inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a dispute with transunion credit reporting agency of a judgement on my file docket # XXXX, i disputed the inaccurate information and wants the item deleted, on XXXX/XXXX/2015, transunion sent me investigation results stated that the item is verified, on XXXX/XXXX/2015, i contacted XXXX representative, their attorney XXXX, i spoke to a rep named XXXX XXXX, who indicated the case is settled and i do not owe this judgement, i want transunion to delete the inaccurate information it is reporting on my file which is causing me financial distress, i believe unverifiable and inaccurate information should not be put on a consumer 's credit report without due investigation and research of the account. im therefore demanding the appropriate action of deletion be done immediately

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Student loan (Non-federal student loan) with ACS Education Services (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: As of XXXX/XXXX/2015, I have maintained part-time enrollment within XXXX University 's XXXX program. XXXX University is located in XXXX XXXX, FL. In early XXXX, I contacted ACS, my private student loan servicer to request a continued deferral on my private student loan account. ACS told me that they would process my deferral if I provided them with a letter of enrollment from my institution. I faxed a letter of enrollment to ACS on XXXX/XXXX/15 and XXXX/XXXX/15. I received successful verifications of the transmittal of the faxes to ACS. Despite this, ACS claims that they did not receive the fax and debited my checking account for the monthly payment of my private student loan. I e-mailed ACS a copy of the enrollment verification letter from my school on XXXX/XXXX/2015 since it is apparent that they have difficulty with not misplacing faxes. Today, I received an e-mail from ACS stating that they will not accept the " verification '' of my enrollment because the letter does not indicate my enrollment status. However, the enrollment verification letter does display my current enrollment status. I need your assistance in sorting out this letter because it is clear that ACS is attempting to thwart my attempts to defer my loan in an attempt to swindle money from a hard-working XXXX who is pursuing a graduate level degree. Notably, this is not the first time that I have had to file a complaint with your department regarding ACS and this private student loan account. Please reference your case-numbers : XXXX & XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I rented an apartment from a company - when I moved out they claimed I had a balance due. They are incorrect and are trying now to collect on a balance that is not correct. I have paperwork proving otherwise. 

They have sent me to a debt collector - I 've told the debt collector I deny the debt - the debt collector has mailed me a " proof '' of the debt - nothing signed saying I agree to the debt - just a " bill '' for something that is incorrect. 

I 'm told I will need to hire a lawyer to even begin to fight these guys and they are suggesting they are going to start reporting me to the credit reporting things. 

What can I do to fight this without having to waste time and money going to court to prove something I 'm not responsible for?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Medical) with Van Ru Credit Corporation (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Van Ru keeps calling me and mailed me a bill I do not owe from XXXX XXXX Hospital XXXX on a patient named XXXX with whom I have no association and have never heard of. I have never been a patient of XXXX. They had my name, address, birthdate, phone number, and possibly more. 
Van Ru Credit CorporationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Settlement process and costs

Complaint: We are existing Nationstar customers for a couple of years since XXXX XXXX XXXX sold our mortgage to them. At the beginning of XXXX of 2015, we applied for another loan with Nationstar ; we had other options, but decided to go with them since we are already their customers. We spoke with XXXX XXXX # XXXX ( XXXX ) and were immediately told we were approved and asked us to send a lot of documents, documents we sent to them immediately. Once they received the documents he told us it will take about 30 days to close on the loan. We then received an email from XXXX XXXX introducing herself as the loan processor. We waited 30 days and nothing happened, we called XXXX to let him know our contract on the house we were looking to buy was about to expire and that we needed to close the loan no later than XXXX XXXX, 2015. We waited until XXXX XXXX and our loan was still in processing, we called him several times with no response. I called from a different number and he answered the phone, he told me he had been trying to call us but that the calls did not go through because they were long distance ; I still ca n't believe a bank as big as Nationstar is does not allow their employees to call long distance in order to reach their customers ( we live in the same state, TX ) XXXX told me to contact XXXX to ask about the status of the loan, I called her, sent her emails and a month later I am still waiting for her to call me back. We called XXXX again several times ( we have all the call records and emails we sent them ) and he did not call us back. I then decided to call his Manager, XXXX XXXX at XXXX to ask about the status of the loan because the realtor could not wait any longer to sell the house. I called XXXX several times as well, and left her messages to call me back, well guess what? A month later, I am still waiting for her to return my phone calls. I called their " customer service '' department at XXXX and was told to contact XXXX, we explained to them we had been trying to contact him, but he was not returning our calls/emails. We were told, they could not provide any information to us and to call XXXX. We asked to speak with a supervisor and again we were told to contact XXXX, they said a supervisor was not able to assist us because he was not processing the loan. We do not know what to do, they asked for all of our information and we sent them sensitive information, I am starting to think they are not even a legit company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On X/XX/17 I called TransUnion Credit Bureau and told the representative that I was a victim of the " inquiry issue ''. To my dismay they told me that they did not know what I was talking about. There was indeed a glitch and TransUnion took off inquiries and then put them back on my credit report.Clearly a breach of FCRA 611 5 ( b ). Attached are copies of my most recent credit report with all of the inquiries I want 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 04/21/2017 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Account opening, closing, or management

Complaint: I signed up for  an HSBC Checking acc ount which offered a {$350.00} welcome bonus after completing requirements. I have no received the welcome bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX  XX/XX/XXXX 2XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX/XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX  XXXX. XX/XX/XXXX 8.  XXXX XXXX/XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX10.XXXX XXXX XX/XX/XXXX 11. XXXX/XXXX  XX/XX/XXXX 12. XXXX/XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 06-10-2015 about Credit card () with BARCLAYS BANK DELAWARE (WA).
Issue: Advertising and marketing

Complaint: I just filed a complaint with the XXXX about this, because I have already emailed customer service previously about it, and you STILL allowed your LIES AND FALSE ADVERTISEMENT to continue!!! The XXXX complaint number is XXXX. 

I feel like your company has FALSE advertisement, which is ILLEGAL!!!! You provide FALSE information when you LIE, and state that after 5 months of satisfactory credit history with your company, you will automatically increase the credit amount. I HAVE HAD EXCELLENT, EXCELLENT history with your FALSE ADVERTISEMENT company. I have charged up my card, multiple times, and then COMPLETELY paid it off. Then charge up again, and then COMPLETELY pay off again! I HAVE EXCELLENT history with your company, and YOU FLAT OUT LIED TO ME!! YOU ILLEGALLY gave me FALSE information about automatically increasing credit limit after 5 months!!! YOUR COMPANY SHOULD GET SUED FOR YOUR ILLEGAL FALSE ADVERTISING!!!!!! 

I also spoke with a XXXX XXXX from the president 's office, and he lied to me, and stated that he has never heard of anything about automatic increases in limit. I am attaching from their website that states that they do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This Corrections claim is inaccurate. Why after 2 years of not being on my credit report this is suddenly appeared with XXXX, XX/XX/XXXX. I have had medical coverage since XX/XX/XXXX. 
Not Acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried numerous time disputing inquiries with bureau stating that I did not apply for a job or was granted credit with these people and wanted them removed told them I tried sending letters to creditors with no response

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX sent formal dispute letters to state formally I dispute all negative accounts on my credit report. XXXX XXXX sent more letters which required all negative accounts to be removed because the negligence to report correctly as stated in the Fair Credit Reporting act and negligent to provide me with any verification of admission of debt. It has been passed 60 days since my first letter and yet been able to remove negatives from my credit report thus breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX credit report shows a closed account as being current but was past due 90 days ; however, the company did not send statements or answer questions about the account after the account was switched from Macy 's to American Express.

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 03-10-2017 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Closing/Cancelling account

Complaint: Synchrony Bank issuse me XXXX credit card ' after revived those card ' paying my account on time checking my credit report synchrony Bank running my credit report none stop over XXXX time, I was upset about it I call synchrony bank ask why were they running my credit and the actives had brought my credit score down ' I was n't request credit. I was told from synchrony bank upping my credit, you do not running my credit because I had not request credit extention ' I'requeted synchrony bank contact each credit beuars have it remove, and credit my Amazon account {$780.00} synchrony Bank never have, doing the dispute of charges synchrony bank close my stein mart card I went to pay on my account at stein mart store I was told my account was close, I had never miss a payment ; I call synchrony bank ask why was my stein Mart account close I 'm here at store trying make a payment 'oh we thought it was you stein mart card I replied not true the complaint was made on amazon card ' you have that card no # XXXX I wrote letter dispute charges, complainted with the close card on bank saying it was investigate, synchrony bank let this went on for months I could not make payment, synchrony have cause my account to be 10 months behind could n't make payment have increase dollars amount of intrest fees on my credit report showing 130 -160 days late, synchrony have not credit this information. not fair of this company running my credit after I was given card ' same with TJX credit gave me limit 0f {$300.00} ran my credit put credit at {$100.00} on my credit report came back put XXXX back on credit I never use but {$100.00}. in debt XXXX that unfair pratice it got to stop as hard as I worked on my credit. 
Synchrony Bank approve me for XXXX credit Card stein mart, amazon T J X in XXXX of last year I made a reported to Synchrony bank that there was over {$890.00} charger on my card I 'm dispute it on amazon card ', synchrony bank call me all day every day. want correct my accounts asking me pay {$200.00} and {$300.00} a month with lost month the bank close account continues charge interest as high as {$25.00} a day when payment could have been paid because of there investigation for long months did not allow payment to be paid'closing both account.

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 08/31/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: We have a business account with TD Bank. The account was set up but they failed to set up the online banking correctly. This resulted in the Bank 's failure to provide proper notifications and alerts. We advised the Bank of this issue on several occasions. 

Instead of taking corrective action to provide remedy to correct their errors, they charged over {$500.00} in NSF fees. It appears the Bank is intentionally trying to create opportunities so they can profit from NSF fees. The Bank was aware funds were available in other accounts and could be easily transferred from another account. If the online Banking and Account Notification system had been set up correctly by Bank initially, the account NEVER would have been in a position to receive NSF fees. 

The last time we spoke with the Branch Manager, she said we could " go somewhere else if we did n't like how TD did business ''. 

We propose remedy to this situation by having the fees refunded, disciplinary action against the Manager who failed to be courteous and take corrective action, and a letter of apology. 

We will also take steps to forward this complaint to the appropriate Lawmakers to address the situation of Banks overreach to profit from consumers.

Company response to consumer: Closed with monetary relief