milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 'm submitting a complaint against all XXXX bureaus ( individually ) due to the failure to investigate and process my disputes. I have notified them that the information that they are reporting on my file is not correct and I have yet to see more than XXXX updates in the past 5 months. This is absolutely ridiculous and they are a farce of a company just pulling in money for reporting inaccurate information. I require a full investigation and for the information that I have disputed with them to be processed, updated or removed within the 30 day time period or I will have no choice but to make a complaint with the Texas Attorney General as well as make a press release that details how they have failed to investigate my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
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: In XX/XX/XXXX, 2017, several fraudulent charges were posted to my account at Citibank. I disputed all of them and after several rounds of verification, I have confirmed none of these charges are mine. Most were credited to my account, but one charge remained. I have called several times, told the charge will be credited, but it remains on my account. I am several months past due, late fees and interest are accruing, and I 'm concerned it will affect my credit. This charge is not mine and I should not be held accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2016 about Student loan (Non-federal student loan) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: We have attempted to leave several messages, emails regarding this account. XXXX is currently in the United States XXXX and I am personally paying on this student loan and they are threatening to send it to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Consumer Loan (Installment loan) with AMERICAN EXPRESS COMPANY (AL).
Issue: Managing the loan or lease

Complaint: I filed a dispute with AMERICAN EXPRESS in regards to a charge which was on my card for {$350.00} on XXXX XXXX. I was told I would get an email updating me on the status of said dispute on XXXX XXXX and XXXX XXXX. I got neither. I was told by an agent that the status had been changed and I was going to be granted a refund on XXXX XXXX for the full amount. I called back to check later that day ( XXXX/XXXX/XXXX ) on my refund and was told they had no record of that in the notes and I requested to speak to a supervisor. I was then transferred to XXXX a supervisor present and was told she did not have the information notated in my account and there was nothing she could do. I asked would she review the recording of my conversation with said agent she said yes. I then reminded her in the state of alabama a verbal agreement is binding. She stated nothing and told me to call back on Thursday as any supervisor on the floor could review the notes that she reviewed the recording and a determination made then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX XXXX, " XXXX XXXX '' called my wife 's phone from a disguised number which later would n't work when I attempted to call back to verify my complaint was being handled at that company which I believe is against the law to spoof numbers ( XXXX ) at XXXX and started to try to collect a debt for an XXXX bill I 've disputed several times as identity theft and never told me my mini miranda rights until several minutes into the call. After I advised him this was under dispute for identity theft he still tried to collect the debt by insisting on giving me the alleged balance due. I was n't disputing the balance, but rather the debt itself. I then asked for a manager and got " XXXX XXXX ''. He refused to acknowledge the bad training and the illegal contact and was determined to justify his rep trying to collect the debt after being told of the dispute. I asked several times for his manager ( 5 times ) before he placed me on a long hold for his manager " XXXX XXXX ''. XXXX XXXX did n't mini miranda me, but his manager XXXX XXXX did. This company made this experience very frustrating and extended as the call took dozens of minutes, disrupting my whole night with my family. XXXX XXXX XXXX was aware of my identity theft claim, but rather than work with me, they keep working to have new agencies collect this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Midland Funding has taking me to court and continuously updated my credit with negative information. I have sent them 2 letters asking them to validate this debt in which they have not sent the information requested. I have spoken to them on the phone, in which I have the recording, asking them to validate this debt with a signature showing I have a contractual agreement with them and they 've responded verbally saying they do n't have that informatiom.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Husband was taken to ER and seen by ER doctor before being admitted to the hospital. All claims pertaining to this admission have been paid correctly with the exception of the ER doctor. I believe the original claim was not filed correctly and the hospital was paid instead of the doctor. I have an EOB showing that the amount they claim due was paid to the hospital by our secondary insurance carrier less than one month after the claim was filed. I have been told on more than XXXX occasion that because my husband is the subject of the claim, but not a party to it, the information they can give me is limited. I have made XXXX XXXX XXXX XXXX phone calls to various entities and sent XXXX letter with copies of all pertinent information at my disposal in an effort to clear up this matter. It is my belief that the original claim as filed by the hospital was not done correctly and therefore the funds were paid to them instead of the ER doctor. Much to my dismay I have not been able to get them ( at least they have never told me they had XXXX to go back to the original filing by the hospital to determine if indeed this is actually the problem. If I am correct in this regard, then the hospital owes the ER doctor the balance, not us. I did check with Medicare and was told that they must submit all claims to the secondary insurer as shown on the paperwork submitted to them. When I spoke with the secondary insurer they did assure me that the claim had been paid in full but could not give me the check number ( again because my husband was not a party to the claim, just the subject ). They stated that they would be happy to correct any errors, if any, but the complainant must contact them by phone ( anything written would end up in the infamous " round file '' ). The complainant responded to me after I delivered this message that they could not contact the insurer by phone which seemed absolutely ludicrous to me. Any assistance you can give us in resolving this issue will be greatly appreciated. 
The ER doctor 's organization was advised in XXXX 2016 that any further contact by them or effort to collect this debt would be considered harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (OR).
Issue: Managing the loan or lease

Complaint: In XX/XX/XXXX I purchased a hearing aid from XXXX XXXX of XXXX XXXX. My payment loan was through XXXX. Late last year, XX/XX/XXXX I learned that XXXX XXXX had sold his company. Apparently XXXX sold or transferred my account to Synchrony Bank. XXXX XXXX did not inform his clients he was going out of business. XXXX did not inform me my account had been transferred to Synchrony Bank nor did Synchrony Bank they acquired my account. In the meantime a payment in full due date had arrived. With the passing of that due date Synchrony Bank now wants a {$500.00} penalty fee. Synchrony Bank attempted to contact me via e-mail several times. However, in this day and age of identity theft, etc. I do n't respond to email from unfamiliar parties. Thus, I did not respond to Synchrony Bank. At least not until the XXXX or XXXX message. That is when I learned about the sale of XXXX XXXX and the transfer of my account. No one, not XXXX XXXX nor XXXX nor Synchrony Bank sent me any notice of the changes. I do not feel as though I should have to pay a penalty of {$500.00} plus late fees for a situation about which I knew nothing. 

Please advise, Thank yiou

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2017 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Abo ut 8  or 0 years, I opened a  Wells Fargo s avings account for my minor niece when she was born. At the time that I opened the account, I was told that there would be no monthly service charge for the account until my niece turned  XXXX . Starting in  XXXX ,  Wells Fargo st arted charging monthly service fees on that account ( even though my niece was still a  XXXX  ). In  XXXX   XXXX , I called to ask them to close the account. The representative told me that she would refund the late fees and close the account. That did not happen. I called again today to request that they refund the late fees and close the account. They closed the account but told me that they were not able to refund the fees, because I had to go to a branch to have them refund the fees. It seems unnecessary for me to actually waste time on the phone with them to only be told to go to the branch.  Wells Fargo p urposefully set up a system to make it as difficult as possible for consumers to get a refund with the intent that consumers will not jump through all the hoops a nd Wells Fargo  will benefit by keeping all of the fees that wrongfully assessed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TN).
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: Reporting inaccurate and unverified information from XXXX XXXX XXXX, who has never send me my written contract bearing my signature, in addition, have placed numerous lates on my consumer file even through i was in forbearance and deferment. Currently, I have a submitted a borrower 's defense case against them, I attended XXXX University. It has been over 6 months dealing with XXXX and XXXX. XXXX deleted this account because it could not be verified. XXXX and XXXX took off this account off my credit report and illegally put it back on!!! 
Capital One has said it will remove my account due to identity theft which was file with the ftc, case number XXXX. Il XXXX XXXX XXXX and XXXX XXXX has not verified in writing. XXXX XXXX which is reporting capital one which is including in my ftc identity report file case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I have an ACH debit that automatically hits my Chase account every month for {$730.00}. I did not have sufficient funds in my account on XXXX XXXX, 2017 to pay this item and Chase paid it anyway even though I do not have overdraft protection and charged a {$34.00} fee. The next day there was another transaction for {$42.00} that was charged to my account and because of the prior withdrawal my account was now overdrawn and I was charged a 2nd {$34.00} overdraft fee. If the first item had not been paid there would have been sufficient funds to pay the 2nd item and I would not have been charged for two overdrafts. When I saw that they paid the first item, I attempted to deposit a check into the account to cover the balance so that I would n't be charged the 2nd overdraft fee, but when they overdrew my account they blocked me from making deposits by phone, ensuring that I could n't prevent the 2nd overdraft. I deposited the funds in another account because they usually clear them quickly and allow transfers between accounts, but they did n't clear the deposit until the next day. When I inquired why they paid the {$730.00} when there were insufficient funds, they said it was at their discretion whether to pay it or not. It appears that Chase is using its " discretion '' to attempt to maximize its fee income at the expense of its customers. I asked if there is any way that I can select an option that they not pay overdrafts and they said no. Their practice of making it difficult to make deposits on overdrawn accounts is an unfair business practice designed to collect more fees. I hope that the CFPB will consider adopting a rule to allow customers to decide whether they want their accounts overdrawn by ACH debits, and/or a rule to prevent banks from preventing deposits when accounts are overdrawn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: Hello, I am really hoping that you guys can assist me in removing these negative erroneous items from my credit report. I have reported all of the accounts that were not supposed to be on my report. As a matter of fact I have initiated an investigation more than once with each credit bureau with no response from either bureau. I have several things on my credit which are preventing my family from moving forward in the homeowner process and many other aspects of our financial life and freedom. Please assist me with getting these negative erroneous things removed from my credit as they are accounts that have been falsely reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit determination

Complaint: Denial of credit for too many inquiries on my account for past 6 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Balance transfer

Complaint: I have tried to send a response to Chases resolution for two weeks and your server will not accept the message. When I push send the circle goes around for 10 minutes saying sending and then quits and says to long, log outChase did not refund the {$3500.00} I paid with a check from my XXXX account that I found a record of. 
This is what they called RELIEF Transferred payment to Checking Account $ XXXXYes that was correct however in the fine print they charged a debit to my Chase Freedom Account for that same {$3500.00} +said I would owe them interest from XXXX XXXX when I made the payment on my freedom acct. 
1. XXXX XXXX, 2015 I wrote a balance transfer check to my Chase Freedom Account. I went to XXXX different branches of Chase and asked them to send me a check or put the money in my checking account because I meant to pay off my XXXX XXXX XXXX which I was cancelling. I had just heard that my best friend of over 30 years has XXXX which put me under duress. 
2. Both bank officers went through my checking account and said no checks had been written for {$3500.00} so I could n't have paid that amount on my Freedom Card by accident. 
They said it must have been a bank error and so they did a XXXXreversal and took my {$3500.00} XXXXout of my Chase Freedom and kept it. 

3. I have my statement from XXXX that on XX/XX/XXXX bal xfr Chase Mastercard/Visa {$3500.00} with a bal transfer fee of {$100.00}. 
XX/XX/2015 BAL XFR. CHASE XXXX & XXXX $ XXXXAccount DetailsCiti Simplicity ( R ) Card-XXXX Current Balance : $ XXXXCurrent Balance : $ XXXXTotal Credit Limit : $ XXXXAs Of XX/XX/2015 : $ XXXXMinimum Payment Due

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Chase is in violation of the fair credit reporting act. First of all they abruptly closed down all 5 of my credit cards. I never once made a late payment. This discrimination against me during a time I am in a XXXX in the hospital about to XXXX XXXX XXXX. Then on top of that, they have violated the fair credit reporting act by viewing my XXXX, XXXX and XXXX credit reports. I have proof from all credit agencies, with dates to prove they have done this 6 times with out my authorization or approval to do so. This is highly illegal and I could and can will pursue legal action against them. I am demanding this restriction be lifted from all 5 of my cards and chase to stop violating the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: PNC Bank has failed to provide a substantive response to Case # XXXX. In support of my previous claims of abuses and overcharges is attached the consent order where CFPB has already found that National City Bank and PNC Bank have behaved in a discriminatory manner towards its customers. The mortgage I currently hold fits the settlement criteria except that I do not fit the race profile. However, I would ask that consideration be given to extending the criteria to those covered by the Servicemembers Civil Relief Act ( SCRA ) as well. In addition to the other abuses, PNC used the SCRA rate to their advantage by charging the 6 % rate when a lower rate was possible for the borrowers. I was forced to accept an inaccurate repayment plan, and I 'm not being permitted to make principal payments or having my credit report updated so the abuse continues even after repayment has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: Payoff process

Complaint: My credit limit was increased without my knowledge or request. I never opted-in or was informed of this policy. This creates a situation where additional charges could be made on my account by someone who has stolen my financial data. It can affect my credit score. 
In addition, the information available to the customer online does not accurately reflect recurring payments pending. The payment is n't posted for XXXX hours and because the customer does not see it listed as pending, the customer may wonder whether or not it is being processed. This would not be of great concern except that the interest could increase by as much as 20 % if XXXX payment is past due. The customer is allowed to schedule payments on a date other than the due date, but if they do so, it may prevent a recurring payment from being processed for the upcoming due date. A customer has no way of knowing this until after the payment is not processed. Because of this, an extra payment on an account may cause unexpected results. The recurring payment agreement can only be seen on the paper bill or by downloading a copy of the paper bill. 
This all seems like an effective way to confuse a consumer enough to miss a payment allowing the increase of interest applied to the original balance of the purchase. 
If online accounting and bill payments are allowed, all activity should be listed clearly under XXXX report or statement. Instead, there are XXXX different " summaries '', " reports '', " history '', or " statements '' none of which reflect all current, scheduled, pending, or past activity. I have never seen such a mess of accounting from any bank or credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Law Offices of Gerald E Moore & Associates, PC (IA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a debt with an apartment community and had called the agency listed on my credit report. They told me that the account had been transferred to an alleged law firm. I attempted to contact this law firm to resolve the issue and was immediately questioning whether or not they were legitimate. I performed research on them and had found legal action taken against them, multiple complaints on the XXXX website, and many persons stating they were not legitimate. Thus, I contacted the firm about the issue and never received any real information on their practices or my debt. I asked them for a validation letter to be sent, but they never stated the address it would be sent to and did not disclose the information that would be on that letter, such as my rights under the FDCPA. Since my suspicion was risen, I contacted the apartments that I owe and they had stated that it was very strange for the account to be transferred to another agency and not be handled by XXXX XXXX XXXX, since they only deal with that agency and not Gerald E. Moore and Associates. A lady at the apartment had contacted XXXX XXXX XXXX to confirm that the account was still under their care and had notified me that it was, so I called them back and got the same answer, that the account had been transferred to Gerald E. Moore and Associates, apparently a company under the same umbrella as XXXX XXXX XXXX. I attempted one last time to speak with them about the issue and not one thing was resolved and no other information was given to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation