milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX Accounts showing as navient, XXXX balance closed are showing on my Experian credit report. 
I have disputed these accounts several times and recently submitted a police report requesting a block per FCRA 605. Experian choose not to comply and initiated a normal dispute. The results came back verified yet again. I have recently contacted XXXX to dispute directly with them. XXXX the onbudsman requested a copy of the police report and informed me that all communication with the CRA is done via an internal data system. 
She stated " we did not receive a copy of he police report from Experian to her knowlage '' and they 're system does not " recive documents '' When I called Experian today to inquire how they " verified '' this account the response was XXXX replied as it is mine. Experian also stated they supplied XXXX with a copy of the police report. 

I have supplied XXXX with the police report and they are requesting 60 days to do an internal investigation. Experian needs to honor, 605 request to block, supply furnisher with submited documents to conduct a reasonable investigation, and escalate concerns such as this to more then basic data reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Other transaction issues

Complaint: On XXXX XXXX, 2016, I requested and authorized Chase Bank to perform a wire transfer of {$10000.00} to XXXX XXXX XXXX and have the {$10000.00} deposited into the account of XXXX. The money was transfered to XXXX XXXX XXXX but not deposited as instructed into the account of XXXX. I was later told by XXXX XXXX XXXX XXXX that XXXX XXXX XXXX would not release my money until I sent them a notarized letter stating that I authorized this wire transfer. Also, I have been told that there are two more transfers made on XXXX XXXX, 2016, to the account of XXXX that are also being held hostage by XXXX XXXX XXXX. 
When I asked who to talk to at XXXX XXXX XXXX, I was told that XXXX XXXX XXXX refused to contact me to inform me of the situation and what was needed. Therefore, I went to my banker at Chase Bank to ask for help and my Chase Banker offered to help. I requested through XXXX to have XXXX XXXX XXXX contact my Chase banker ; however, XXXX XXXX XXXX refused my request. So now, as a home business owner, I am losing sales opportunities during the holiday season and I feel that I am being used as a scape goat by XXXX XXXX XXXX to cover up their own screw-up. That being the case, I am now compelled to write a letter stating that I authorized the transfer and then pay additional expenses to get this letter notarized. The wire transfer is supposed to be a expeditious method to transfer funding. It has now been thirteen days and counting to complete this transaction because a middle man decides to dictate changes to the rules of engagement. I gave my authorization to Chase Bank when I signed the wire transfer documentation. Does XXXX XXXX XXXX think there is illegal or fraudulent activity occurring with this transaction? If so, why have n't they contacted my bank and the legal authorities. Instead they are holding my funds and making money everyday they do n't deposit it as instructed. Why are they refusing to communicate with my bank or me? Because everyday they hold on to my funds, they are making money on it. 
Hence here is the statement that XXXX XXXX XXXX is demanding before they will release my funds as directed in the referenced wire transfer instructions : I, XXXX XXXX, XXXX, on XXXX XXXX, 2016, authorized Chase Bank to withdraw {$10000.00} from my Chase account and wire the said {$10000.00} to XXXX XXXX XXXX for deposit into the account of XXXX. I am directing you, XXXX XXXX XXXX, to release and deposit the said funds as instructed via the wire transfer ( XXXX, XXXX ) into the account of XXXX forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Consumer Loan (Installment loan) with Risecredit, LLC (IL).
Issue: Managing the loan or lease

Complaint: Rise Credit Financial ( also known as XXXX XXXX, XXXX XXXX ) is refusing to work with me in extending payment plans and being deceitful in not explaining the interest rate up front. I was told originally that this was not a payday loan but an installment loan with low interest rates. I was not made aware of of the high interest rate of 98.71 % until after I signed the loan documents. My maturity date is XX/XX/XXXX with a total of {$8200.00} to be paid in full once this loan matures. I currently pay $ XXXX monthly on a {$4000.00} loan. I have made five payments and my current principal is {$3900.00}. This company is a scam, I would not recommenced this organization to anyone whether you are seeing a long or short term loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Credit card () with WELLS FARGO & COMPANY (NY).
Issue: Billing disputes

Complaint: Someone used my Wells Fargo Visa card fraudulently and charged XXXX on the card without my permission while I was away in Florida. Wells Fargo contacted me to advise me that a XXXX Police Detective had contacted them to advise them that they arrested someone in possession of my card and that I need to contact this detective for further information, which i did. Afterwords I contacted Wells Fargo to file a fraud claim. They denied my claim stating that I had called them from a verified number to confirm certain transactions. I told them I never called them. I sent them copies of my phone bill showing I never called them. I sent them the police report. Then they said my voice was confirmed to match the voice that called to verify charges previously. I again advised them I never called them for any reason. They stated I called from this number XXXX. This is not my phone number. Now I am stuck with this XXXX bill which they refuse to dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I do n't know if I misunderstand something here, but it I just discovered that the Chase Credit Card Ink is charging me interest for purchases just recently, in the last few days conducted. 

Here 's what happened : ( My Ink card billing cycle is mid-month to mid-month ) In early XXXX I made a purchase for {$1600.00}. On XXXX the statement came ( Closing date is XXXX, payment due date XXXX ). I paid $ XXXX.- dollars on XXXX before the due date leaving a balance of {$810.00} unpaid. It is my understanding as well as that all other credit cards do such, that the interest charged will be on the residual due balance from the XXXX cycle. 
In XXXX as recent as XXXX, one day before the closing date of the XXXX statement cycle I made some business related purchases of around $ XXXX.- in the time frame of XXXX to XXXX. 

When I got the XXXX statement around XXXX XXXX I see on it an interest charge of {$110.00}. 
That ca n't be I thought, {$110.00} in interest charges for a residual balance of {$810.00}!? 
That would amount at an annual 29.99 % charged applied p. Month to an annual interest of {$1300.00}!!! That would amount to 359.88 % in interest!!! 
Looking in the back of the statement on the last page it says under -31 days billing-. " Balance subject to interest rate {$4500.00} '' .... 
Wait a minute! What calculation is that? I just got the statement and it will be due by XXXX! 

I called Chase Credit Card Ink customer support and like them I recorded the conversation. Rather unfriendly, curt and dismissive I was told by a supervisor that if every month the balance is not paid in full interest applies immediately to the current running balance AND INCLUDING ALL NEW PURCHASES. 
WHAT? 
I never heard of such a thing. I asked several people and all unanimously said that ca n't be, that 's why there is a " grace '' period, and in my case the stated 31 day billing cycle. 

Further attempts to clarify this with Chase yielded nothing except ignorant. arrogant and irrelevant answers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX has fraudulently added an additional account with XXXX, instead of correcting the account that was charged off and closed prior to filing Chapter XXXX in XXXX 2015. I want the XXXX account that was added with ill intent deleted. I want the 0ther account to show no balance. No payment or balance history past the filing date. The date of Major Delinquency is XXXX. All this needs to be corrected XXXX accounts in violation of FDPCA and FCRA deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 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 have contacted the credit bureau several times in regards to this account. 
They all come back stating the account is verified and accurate even though i have asked several times how is the information being verified and with whom. I never get a response. 
XXXX XXXX XXXX It states its for a University I did not attend this university. 
I've attended two universities one XXXX and the other XXXX. 
I want this off my credit report and not to be taken off and then put back on cause thats what they are doing. 

three versions of this letter have been sent NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted 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 10/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Billing statement

Complaint: My American Express card had a balance on the XXXX 2016 statement. I paid that balance with an auto-pay and there were no charges before the XXXX 2016 statement was due. American Express refused to provide a statement showing the prior balance, payment, and XXXX balance. The " Live Chat '' told me it was " not possible to generate a statement that shows XXXX balance, the payment transaction and the prior balance ''. So why is American Express exempt from reporting all financial transactions on their credit card statements? Are they above the law?

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (SC).
Issue: Balance transfer

Complaint: I applied for a balance transfer with XXXX XXXX XXXX. This transfer would transition credit card debt from a " XXXX XXXX Ohio '' XXXX, to a XXXX XXXX XXXX XXXX card. I was billed for the transfer amount of {$570.00} on XXXX/XXXX/16. 

XXXX XXXX XXXX mailed a paper check for the above sum to XXXX XXXX. XXXX XXXX deposited the check but did not credit my XXXX account. As it stands now, XXXX XXXX refuses to return the funds to XXXX XXXX XXXX, and refuses to apply the balance transfer as originally requested by myself through XXXX XXXX XXXX. 

Consequently, XXXX XXXX XXXX continues to bill me for the entire transfer amount, XXXX will not acknowledge receipt of XXXX XXXX XXXX funds, and I continue to pay the debt - only now to XXXX credit card companies instead of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Bank account or service (Other bank product/service) with NATIONSTAR MORTGAGE (FL).
Issue: Account opening, closing, or management

Complaint: To Whom it may concern, I 'm the owner of the property located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. My attorney is working on the title and we have found that there 's a problem, specifically there is a wrongfully recorded deed by your Selene Finance LP. Due to this wrongfully recorded deed, I can re-finance my property until they correct this issue! 
I 'm refinancing this property to be able to fix it on time, due to structural violations with XXXX of XXXX. For this reason, this property needs to be fix right away, before XXXX of XXXX orders the demolition of this building!!! 
On an email from XXXX XXXX XXXX from XXXX ( Former Selene Finance LP ) and the company who actually did the recording, the solution at my problem will be for Selene Finance LP to recorded a deed from them back to us!! 
I have this email and I 'm attaching this email to this complaint. 

I have called several times to XXXX XXXX XXXX ( the Grantor on the deed ) to phone number listed on public records, XXXX but this phone number is always busy. I have also tried to send them a fax, but your fax number is always busy! 
I was able to sent them a fax ( Fax confirmation is attached ) and several email without response as of yet ... 
I also mail them all a certified letter via USPS ( receipt attached ) I also contacted XXXX XXXX XXXX XXXX, Senior Closer & Team Lead, and XXXX XXXX XXXX, XXXX Lead, both employees from `` XXXX '' this company was previously named : Selene Finance LP and they are showing as the one who requested this instrument to be recorded. SELENE FINANCE LP is named on the top portion of the wrong deed with their address as the " Return '' to company. 
Please take whatever necessary action to resolve this problem immediately, so I can continue with the fixing of this property!

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Prepaid card (Mobile wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Managing, opening, or closing account

Complaint: I have a PayPal account that has a negative balance of XXXX. I also have a PayPal Prepaid mastercard that I have my payroll and Social security deposited into. PayPal blocked my ability to login to my Prepaid mastercard account - barring my access to my account funds online. I called PayPal, Inc and was told there was nothing they could do because my PrePaid debit mastercard was connected to my PayPal account. They refused to allow me access to my prepaid mastercard account online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OK).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Case number : XXXX Sirs, XXXX XXXX has refused to properly transfer the account from me to my wife, even though the divorce ( now final ) specifically states that she is solely responsible for that account. 

What can your office do to have XXXX XXXX clear up this problem. Please do not tell me that I may need to take legal action, as being on social security, that is not an option. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (AR).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Is it not a law that a credit card must show you how long it will take to pay off a credit card if you make only the minimum payment AND how long it would take you to pay it off in three years?  <P/> The info about paying it off in  three  years and the amount I would need to pay is now absent from my credit card. It was there last month.  <P/> This is  XXXX  Well 's Fargo Bank N.A .   <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ar.  XXXX   XXXX  XXXX  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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent multiple letters to the creditor and CBs about the unknown and unauthorized inquiries on all three of my CB reports! I have called the CBs multiple times and spent several hours on the phone disputing information that was n't mine : multiple addresses ( unknown ), multiple names, multiple social security numbers, as well as phones number 90 % of all my personal information is incorrect! I 've asked for letters of validation from creditors and CBs ; with zero response from the creditors and the CB always saying it 's verified- but never shown proof! When I asked about removing all the incorrect personal information they said I had to reach out to the creditors to clear that up ... and inquiries that I do n't have any idea of they said inquiries are fact, regardless if do it or not, and I needed to contact the creditors -- - THIS HAS BEEN GOING ON FOR 2 years and I do n't know what else to do! Please help! I 've sent all kind of letters and called and sent letters and called -- -- NOTHING!

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 11/16/2016 about Consumer Loan (Vehicle loan) with BMO HARRIS BANK NATIONAL ASSOCIATION (AZ).
Issue: Managing the loan or lease

Complaint: I contacted BMO Harris regarding our XXXX auto loans that we have financed with them. Both loans are current accounts & have never been past due. My husband recently was out of work due to XXXX & there was payroll issue with his check. To avoid being late, I contacted BMO Harris to inquire about a deferment/extension since this would be an a short term issue as it was already in process of being rectified. After they reviewed the accounts, while I did qualify for the deferment/extension they would not approve it because it was based on my husband 's income interruption & not mine, but both loans were listed in my name since I usually handle the car shopping for our household. I explained to the representative as well as the supervisor that our household works off a joint income and a delay of {$1000.00} was an impact to paying our monthly bills as it would be for many people. They still declined the request again for the only reason being that it was not my direct income being impacted. I feel I was provided a lack of service due to being honest. As a good consumer who pays bills in a timely fashion, I feel this situation should have been looked at with a different level of scrutiny vs. to the letter of their policies. Working in the same industry, I understanding having policies, regulations, and guidelines, as well as when there is room to service the consumer with flexibility within those same practices.

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In   XXXX   of 2017, I paid back a medical in the amount of  XXXX . The creditor   XXXX   XXXX   XXXX   XXXX   advised me that once the amount was paid, the trade line would be removed from my credit. As of today,  XXXX / XXXX /2017, the trade line remains and has not been updated AT ALL. It is continuing to impact my credit when I was advised it would no longer. Instead, this company left the full amount on my credit report and just stopped providing updates, which is an FCRA violation.

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 07/22/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Southwest Credit sent me notification of a {$830.00} debt from XXXX. This came thru the USPS. They 've assigned an account # XXXX and their own reference # XXXX. They have " offered '' a discount if I pay within 45 days of {$540.00}. I am current with XXXX/XXXX and only owe my monthly charge of XXXX. They have my name backwards but my correct address. They threaten to report this to the credit bureaus and ruin my credit.

Company response to consumer: Closed with explanation