milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY ().
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX has adjust this registration

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: APR or interest rate

Complaint: I made XXXX purchases on XXXX, on XXXX XXXX and XXXX XXXX, 2015, for {$150.00} each, using a credit card from Chase bank. 
These were purchases, but Chase insists that they were cash advances, and accordingly charged me a {$10.00} cash advance transaction fee and a higher cash advance interest rate. 
After I confronted Chase with a statement from XXXX saying that XXXX does not process cash advances, and threatened to file a complaint with the CFPB, they refunded my transaction fees as a " courtesy, '' but continue to insist that they were cash advances ( although I received no cash or anything similar from the transactions ) and continue to charge me interest on these transaction at the higher cash advance rate. 
Interestingly, on my annual summary Chase correctly classifies these transactions as the purchase of a service, while nevertheless insisting in correspondence that they were cash advances. 
I would like these transactions reclassified as purchases ( consistent with XXXX 's classification ), and excess interest charged refunded to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had multiple loans through Sallie Mae. After graduation I joined the XXXX. Before my repayments were to begin I called and set up a forebaerance so as to avoid default on my loans. When I got done with XXXX 6 months later I was informed that I was delinquent on all of XXXX ( XXXX for each semester ) loans. As a result my credit has been shot. Over the last few years I have tried to set up an income based repayment plan but was constantly denied. It was n't until the fall of XX/XX/2016 ( 8 years after my first application for income based repayment schedule ) I was granted the income based repayment. I feel that they should do a courtesy retraction of what they reported to the credit agencies. This would allow me to rebuild my credit and become financially stable enough I might be able to make some payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is not mine, my identity was used to open a line of credit for products I never authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have made contact with XXXX XXXX on XXXX/XXXX/XXXX regarding a FHA Loan on my credit report. They have taken NO action. This mortgage loan was opened in XXXX/XXXX/XXXX address is XXXX XXXX XXXX XXXX, MO XXXX phone numberXXXX reported XXXX the social security number on the account is one number off of my social security number. 
The account number is XXXX date of last payment is XXXX I need this and all the alias names that are from this account removed ASAP as I I trying to get pre approved for a home mortgage. 
Equifax is reporting it on my credit. 

XXXX XXXX phone number is XXXX Please notify me ASAP as this is causeing me to not buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I ' m a XXXX year XXXX veteran that has been hit again with identity theft for the 4th time in 90 days and after being with my bank USAA 17+ years and everything going to them, they are refusing to do business or even speak to me and this has become a big deal since the cyber attack on our XXXX records re releasing all our background information and intricate details. Police reports and all are filed. This is a very serious issue for veterans. My friend brother even had another not only getting money in his name ( duplicate debitcards ), however receiving medicines and being treated XXXX just like its was him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Bank account or service (Savings account) with BARCLAYS BANK DELAWARE (CA).
Issue: Deposits and withdrawals

Complaint: the bank is freezing my account with {$45000.00} and not giving me any explanation to the reasons why.

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 04-04-2017 about Consumer Loan (Installment loan) with French Financial, Inc. (TX).
Issue: Managing the loan or lease

Complaint: I got a loan from Gurantee loans years ago, I never misssed one payment or was late, so come to my surprise this morning I check my credit report and it says I missed multiple payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/18/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have not tried to obtain and credit and I continue to see credit inquiries on my report that I did not allow and would like removed.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: several accts were previously mentioned : XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX have reported to me the accounts are no longer due. I have sent this information certified mail and am lied to my face over the phone saying they never got the letter I sent XXXX times now. all bureaus refuses to remove data and insist on reselling it. motion to sue demanded under any jurisdiction or level. refusal to comply is not an option under fcra. complaint is escalated and never resolved. complaint is not frivilous, I have letters in my hand.

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 08/28/2015 about Mortgage (Conventional fixed mortgage) with KONDAUR CAPITAL CORPORATION (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is with Kondaur Capital Corp. I have been tryin to get a payoff on my home since XXXX 2015. My daughter XXXX XXXX have contacted then as well. We have spoken to XXXX in which she refuses to call back or send my payoff on my home. We have spoken to her Manager XXXX XXXX several times and he never returns call nor has he sent my payoff on my home. I also left message for XXXX XXXX he has not returned my calls either. I have been asking for a payoff so I can pay my home off while I have the money. The second mortgage company XXXX XXXX. cant give me a settlement on my home lien because Kondaur refuses to send me a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened my checking accout with a promotion coupon ( To summary : can get {$350.00} if {$10000.00} deposit and maintain 90days ) on XX/XX/2017 but havent received the bonus after timeline passed. I contacted HSBC and they said I have to contact the branch where I opened at. 
I contacted the branch. They said I have a history of opening/closing a checking account before so I am not eligible to get the bonus. 

However, the banker checked the history and proceeded when I opened my account. The banker ( I can give the banker information if you need it. I didnt enclose due to personal information ) confirmed that HSBC has no record of my previous checking account history in their system after researching it. 

If the banker would informed that I was not eligible for the bonus when I tried to open a checking account, I wouldnt open and wouldnt maintain my money there over 6 months so far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX turned me down for a lease on a new vehicle, stating that EQUIFAX ca n't give them a credit score, due to some kind of Fraud Alert, of which I know nothing about, nor where it came from, and cant get any answers. No explanation, nor have I been provided any documentation. I have good credit, with no problem getting a credit score from XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Checking or savings account (Checking account) with ZIONS BANCORPORATION (AZ).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I have been banking with National Bank of Airzona for a few years now, however only this year have I had trouble checking my account balance, balance on credit cards and making payments. When I call in, I am told that they can not vverify who I am and that I can not get any information about my accounts including balances or making payments to loans or credit cards. 

I tried to explain that i am XXXX and that I can not read the security code on the back of my card and they are unwilling to accept the pin code that rhey send over my land line phone even if I get it correct. 

Simply going to the local branch each time to complete a simple balance check on my account or making a payment on a loan is unacceptable. There are no other procedures in place to verify who I am. This is a blatant violation of the Americans With Disabilities Act.

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 10-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2016, I checked my credit report, all of my inquires were deleted from my credit report. I logged in today and there back on there. As a result my score went down.

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 12/28/2015 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Transaction issue

Complaint: I initiated several disputes on my chase card and after sending over very detailed explanations as to the cause for my dispute. Chase somehow turned this into to a quality of service issue and denied my claim. I do not believe Chase even read my complaint as it was not a quality concern it was an issue of the services not being provided. I did not receive what I paid for PERIOD. These XXXX companies have scammed me out of a lot of money for doing nothing. Chase informed me that they reached out to the merchants and they did not honor my request. Of course they would n't honor my request they are getting away with murder and Chase is helping them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Student loan (Federal student loan servicing) with ERC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I 'm still making payments to the Debt Collection service that I 'm using, while this is not the first time I 've got calls like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-08-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I logged in directly at their website to dispute an account on XX/XX/XXXX. The account in question is an XXXX XXXX credit card in which I am an AUTHORIZED USER. I requested them to remove that item from my credit file, I am not liable for repayment because, again, I am just an authorized user. But today, I reviewed the result of their investigation and they are saying that the account was " updated ''. How could that happen? They are essentially perjuring themselves for saying that because obviously the account is not mine. They are causing me stress and damaging my credit file. I want this deleted TODAY.

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 06/28/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I received an XXXX AAdvantage bonus offer from Citibank and I chose to open a Citigold account over the phone on XXXX/XXXX/2016. The promotion with Promo Code XXXX stated that I will receive XXXX bonus XXXX miles 90 days after meeting the requirements of making more than {$1000.00} purchase using the Citigold debit card and making 2 bill payments. 

I have completed all requirements on XXXX/XXXX/16 and was contacted by email, with investigation ID XXXX, confirming that I will receive my incentive 90 days from the date the qualifying transactions, which is XXXX/XXXX/16. It is XXXX/XXXX/16 when I am filing this complaint and Citibank has yet to respond to my recent inquiries about the bonus since XXXX/XXXX/16. 

I hope CFPB is able to investigate into this issue and forward necessary information to Citibank, hopefully to clear any of their barrier and process the bonus as promised.

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 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been rate shopping and as a result my credit score has dropped in all three major credit reporting agencies. This quote in fron XXXX itself. " Most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of timeusually 30 days. In these cases, multiple inquiries will be treated as a single inquiry, and this will have little or no impact on your credit score. '' FICO scores have a similar treatment that is well documented. This happened to me in XXXX AND XXXX of 2017.

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 07-08-2015 about Debt collection (Payday loan) with Executive Acquisitions Group, LLC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I sent an email to the office that is trying to collect from me. After they received my email they proceeded to call my phone 7 times in a row while I am work. I can not answer the phone and could lose my job over that. I did leave a message with the lady that answered the phone at your office. Since I can not take calls at work and your office is closed when I get off I asked her if I could email you. These people are relentless and have told me that they call the law office today and the trustee and was told that your office has no idea who I am. I made an offer to pay this account and they did n't take my offer the man ( XXXX @ XXXX XXXX will answer that number ) advised me that he would see me in court and slammed the phone in my ear. Please advise me on what I can do at this point, I am not refusing to pay they are just really rude and abusive when I talk to them. Executive Acquisition Group, LLC.XXXX XXXX XXXX, NY XXXX Phone No. : XXXXXXXXXXXXXXXX XXXX XXXX. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have dispute this bankruptcy as many as 4 times, and equifax continues to state they have verify that this was a discharged bankruptcy.Actually the bankruptcy was closed/dismissed. 
So it apears equifax is not actually verifying the consumers requested, i have logged on the bankruptcy courts website myself, all this information is available to the public and it shows that the bankrupcy was dismissed and closed.I have attached the actually documents available from that website for verficaation of how simple it is to verify this, which i thinks proves equifax does not actually try to verify this information.I have just filed my 5th dispute today for this bankruptcy, and i think i am going to need help from a consumer agency to actually get equifax to actually do thier job. New dispute number for my 5th dispute is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Student loan (Private student loan) with DISCOVER BANK (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XX/XX/XXXX I spoke to XXXX ext. XXXX from Discover student loans. He advised me, that given my situation, if I enrolled into course on a part-time basis in the Fall ( XXXX ), then my past due payment would automatically would become current. He advised that once I sent in the deferment form along with a school registration receipt, then Discover would process my account as current with no negative credit reporting. I faxed the forms he needed two business days later, Tuesday. I then spoke to Discover that following Saturday and was told by a supervisor by the name of XXXX in XXXX XXXX XXXX, Utah, that XXXX was completely wrong and that my account was going to be reported 60 days past due, even if I was enrolled in courses for the Fall. She said she has also reviewed the call that I had with XXXX and that XXXX never said my account would become current. She also said that there was no policy on Discover placing my account current due to being enrolled in classes. Not only did this representative lie to me but she only made the effort to collect the past due payment without regard to my enrollment status. She completely lied about the details she " heard '' in the conversation I had with XXXX and she made this clear that she said I was lieing. I ask that the CFPB review all of these calls and not only have Discover fix late credit reporting but also send me their policy on deferments.

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

Complaint: On XXXX XXXX, 2017 credit reporting agency Equifax announced a major security breach in which personal data such as social security numbers, names, addressed, and credit history was leaked. According to Equifax 's own website my data was among the information that was leaked, but it is impossible to say for sure since Equifax failed to communicate adequately with people who were affected. Futhermore, they will not provide specific information on whether or not I was affected unless I agree to an arbitration clause ( which I did not ). Equifax knew of the data breach approximately one month before it was announced during which myself ( and countless others ) were at increased risk for becoming victims of identity theft and fraud. 

Equifax has not offered adequate solutions to this problem. Their offer of one year of identity monitoring is insufficient. The nature of the data that was leaked is such that lifelong credit monitoring will be necessary. This will come at significant cost to me since it will need to be arranged with all 3 credit reporting agencies. Equifax should be forced to cover the cost of a lifetime of credit monitoring and unlimited freezes/unfreezes with all 3 reporting agencies for anyone, including myself, whose data may have been released. 

Equifax failed to maintain adequate security measures. I would like to see legislation introduced to hold companies liable for data breaches with no limits on financial compensation to those people who are affected. Criminal charges should be pursued against those executives who divested their interests in Equifax before the breach was publicized.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I 'm filling a complaint against  XXXX  credit bureau Experian,  XXXX , and  XXXX . I checked my credit at  XXXX   XXXX  which send me an alert that my  credit score has changed. I checked my credit score on   XXXX   XXXX . My  credit score  had fallen very low from going  XXXX  to  XXXX   ( Experian ),   XXXX  to  XXXX   (   XXXX   )  " I was Mad ''. They are going old information that been removed. One I do n't have a Bankruptcy. Second I do n't have  a Tax Lien. I w ant all information remove " NOW ''. The information is attach to this complaint. I pay my bills on time and I do n't need false information against me or my family.     The Fair Credit Ac t ( 1970 ) 15 U.S.C -1681 The Truth in Lending Act The Fair Credit Billing Act 15 U.S.C -1681 State Status of Limitations The Fair & Accurate Credit Transactions Act The Fair Credit Debit Collection Act U.S.C 1692 - 16920

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