milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Recently with Equifax credit reporting agency a paid collection reporting as XXXX XXXX XXXX was deleted from my credit report and was then replaced on my credit report a few days later. I monitor my credit report very closely and disputed this change, which I thought was in violation of my rights for fair credit reporting. Equifax however, refuses to remove the item.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: This is to follow up with previous complaint I filed on  XX/XX/XXXX    regarding the broken Chase ATM machine located at  XXXX   XXXX   XXXX   XXXX  floor at  XXXX  College  XXXX   XXXX ,  XXXX , NY  XXXX .     I was at this location on    XXXX   XXXX   XXXX   XXXX   I tried to retrieve some cash from this Chase ATM at this location. Instead of giving me the cash I requested, this ATM machine got my card stuck inside of the slot, I was not able to get it out. I asked mall security guide for help, but security staff said it is  Chase  's problem, and I am the SIXTH CUSTOMER OF that day experienced this RIDICULOUS issue. They told me the best suggestion they can give to me was wait for  XXXX  minutes, and the ATM machine will release my ATM card back to me. Apparently all previously  XXXX  customers had been WAITED THAT LONG to re-gain access to their Chase debit card!!!     I   had an hair and massage appointment, thus I tried to call Chase customer service, but I was not able to get through to talk to any live person helpful to this situation. Thus I waited near this broken Chase ATM mall inside of the mall for 20 minutes, I got back my ATM Chase ATM card but I missed my hair and massage appointment to get my debit card back.
I complained to mall manager about this horrible experience, the mall manager told me that this is outside of the scope of what mall management can do. It was Chase provided bad ATM machine, they also felt bad for all Chase customers who experienced difficulty with the ATM. They also had NEVER SEEN any bank ATM machine swallowed up customer 's ATM card and causing customers EXCESSIVE AMOUNT OF TIME to wait. None of the customers on that day received any cash from the machine, they indicated this issue had been going on for a while, and Chase failed to check into this regardless multiple customers experience hassle and difficulties.       After I filed the  XXXX  complaint.  Chase  employee  XXXX   XXXX  left a voice message to my cell phone on   XXXX    he left a call back number  XXXX  and said that would like to speak to me in person. I called back twice but experience same bad experience as the other day, reaching his voice system, no live person to answer. I prefer Chase to reply me in writing regarding solution. No more phone calls. I would like to have a written record of the solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2017 about Checking or savings account (Checking account) with U.S. BANCORP (UT).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I received letter XX/XX/2017 that was adjustment for XXXX $ That amount has been credited to my account as reverse entry. This will appear on my account effective XX/XX/2017. Case : XXXX After I called US BANK XXXX customer service to get explanations For my account balance, they told me I have to call my home US bank, which is located at XXXX XXXX XXXX XXXX, XXXX - UT XXXX ( XXXX XXXX XXXX ) for almost 3 weeks I try daily to know any informations from them, but I got zero result. Every time I call or go there, the cashier told me that the manager is not available, and he is the only one can explain, and answer my questions!! 
Thanks, 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 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Experian continues to report inaccurate, unvalidated information to my credit file.The creditor, XXXX XXXX XXXX, has sent me information directly regarding the account, and that it can not be verified. I have written proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: I have a checking account with BBVA Compass bank AND a XXXX XXXX account in XXXX. 

They have an option to transfer money from XXXX account to the other " instantly '' generally within XXXX minutes.. 

They frequently debit my money right away and then delay the deposit in the other account. Unless I call and spend approx XXXX minutes on the phone with people that are clueless about this process to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: They are calling my employer and my work extension repeatedly every day rather than calling my mobile number. They are telling the receptionist personal information. I am trying to work with them, but this is harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Debt collection (I do not know) with MERCANTILE ADJUSTMENT BUREAU, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have had repeated robocalls from Mercantile Adjustment. They will not stop calling - supposedly you can leave a message but it never allows you to do so. It is not even my collection!

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my XXXX XXXX XXXX bill when I cancelled my coverage back in 2015. I even called when they sent a bill that was incorrect. The lady on the phone looked into it and said I was correct and did not owe the money and she would submit the information. I 've called XXXX XXXX XXXX again now that it has been sent to collections and they say they ca n't help me on the closed account. XXXX XXXX XXXX continues to give this collection to someone new every few months and I dispute it every time, but no one will help me resolve it. This is on my credit report hurting my credit and it should n't be. I 'm being harassed about this bill with no one bothering to help me get it resolved. I paid this in full a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 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: Hi guys how you doing, well what happened was that i saw my credit score drop XXXX points on XXXX XXXX so when i look in to it i saw XXXX new hard inquiries XXXX/XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX Please i need your help clearing this. I did not apply for or request credit from neither one. Thank you and Happy Holidays.

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 10/25/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: Hi my name is XXXX XXXX. I received a mortgage statement from XXXX XXXX informing us that my father mortgage rates had changed and the new rate take place XXXX XXXX, XXXX. My father has been deceased since XXXX XXXX, XXXX and the house supposedly foreclosed. My mother was told that the house foreclosed. We were living in it at the time until approximately XXXX XXXX, and the mortgage payments came directly out of my father 's account. The house was auction off and we were ordered to leave. This had never happen to us before and I 'm not sure now that our order to leave was valid. ( I was in another state at the time, because I was a contractor who traveled XXXX of the time, and could be away for months or years. I usually handle things like this for my mother XXXX XXXX, but my brother XXXX XXXX had gotten her a lawyer who was supposed to help her. This lawyer charge Thousands of dollars and never did any work or appeared in court as he led them to believe. I do not think this was a real lawyer and do believe he was part of an identity theft group. ) The people who won the auction sold our house XXXX XXXX and have the mortgage still in my deceased father 's name. The name of the company is XXXX XXXX, XXXX who is listed on the property tax documents, also on documents is XXXX XXXX XXXX as owner. During my research this company has several addresses XXXX ; XXXX XXXX is a XXXX XXXX. We would like to sue the company and Wells Fargo for fraud, using my father 's, supposedly closed, mortgage account to cheat us out of our house. XXXX XXXX XXXX has been all over the media for identity theft from their employers. Rep. XXXX XXXX is vs. Wells Fargo. I contacted her office for help, and I was informed to file a complaint with the Consumer Financial Protection Bureau because I was not in the XXXX area. ). Please help!!!! My mother would greatly appreciate you helping us get our rights to ownership and a settlement for stress and distress. Thanks for your time.

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 01/22/2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Late fee

Complaint: I have a citicard and was under the impression I set up autopay, but I did not, so I resulted in a late payment fee of {$25.00}. I have been with this company for 5 years between another credit card with Citi and have never been late. I immediately paid the 5 days past due amount and set up auto-pay, and asked if they could waive the {$25.00} as a one time courtesy ( the only late payment I have ever received ) and they said NO. I WOULD HIGHLY RECOMMEND NOT DOING BUSY WITH CITI. I have been in the credit card industry for over 15 years, and ALL credit card companies have a one time courtesy adjustment policy, except for Citi apparently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-07-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$5200.00}. I disputed the account with XXXX XXXX XXXX and all three credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: When using the bill pay system at CapitalOne bank, the funds for the check are withdrawn before the check has been deposited/cashed by the receiving party. If the receiving party does not receive the payment, the owner of the account is not made aware. The owner of the account has no indication if the funds were actually received. I bank with several other banks, and they all will only withdraw the funds once the check was cleared. I have had to argue twice with the bank that checks were never received in order to receive the funds back into my account. Their official policy is to refund the money after 90 days which I find unacceptable.

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 WAKEFIELD & ASSOCIATES, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This complaint is with Wakefield and Associates. I have contacted this company numerous times to get a duplicate medical debt removed from my credit report. The debt is from XXXX/XXXX XXXX XXXX  XXXX XXXX with a balance of {$650.00} from 2012 that shows up on my XXXX and XXXX reports. When I called Wakefield and Associates, I was told they no longer had the debt and that it was sent off to their legal department. They gave me like 10 different telephone numbers and each person that I called did not actively have the debt in their office. One guy even got extremly nasty and rude with me for trying to find out. So, I called Wakefield back, since it shows on my credit report that they are the ones who reported it, but they said that they could not remove the debt because they no longer had. They have yet to tell me correctly who has the debt and I feel that since they put it on my Credit report that they should be able to remove it. I have been reaching out with them refuses to remove the inaccurate information because they no longer actively have the account. If they no longer have it, how can they keep the charges on my credit report.

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 07-11-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America refuses to give me consistent and accurate information for removing my PMI payment. Every time I call I get a different requirement for an appraisal or loan to value amount. I have an appraisal they refuse to accept even though all appraisers are supposed to be selected at random and I was told before that it would be accepted if it was done within the last 3 months.

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 07/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Credit card protection / Debt protection

Complaint: I have a GM Mastercard issued by Capital One. It was caught in ANOTHER hack of a major retailer, and Capital One called to tell me this, and to tell me they are sending a new credit card. I asked if it would be the chip type, and they said no, they are not doing that until next year. I realize that the credit card companies have been fighting the move to chip cards for years, but you finally started issuing them. But Capital One 's decision NOT to issue chip cards until next year is, frankly, complete and utter contempt for the safety of consumer financing ... ..all the keep the extra {$1.00} or so a card that this costs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Using a debit or ATM card

Complaint: RE : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX / Bank of America Topic : Bank of America responded in a satisfactory manner. 
Complaint : The former executor, XXXX XXXX XXXX, withdrew funds via an ATM Card and checks - beginning with the date of XXXX XXXX XXXX 's death - from Bank of America Account # XXXX. 
However : Bank of America was not notified by the Civil Service Annuity regarding XXXX XXXX XXXX 's death until XXXX/XXXX/2013. The former Executor, XXXX XXXX XXXX, also did not notify Bank of America ( for her own reasons ). Additionally, Bank of America requires a copy of the death certificate - Bank of America did not receive a copy of the death certificate until XXXX XXXX, 2013. Upon receipt thereof, Bank of America did close the account. 
Result : Issue resolved. We will continue to work with Bank of America and the Civil Service Annuity Department to assure that their policies will be reviewed. Furthermore, Bank of America will file a claim on behalf of the Estate for the ATM withdrawals and checks. 
For reference, please see XXXX Thank you. 
XXXX XXXX XXXX, Administrator with Full Authority, Estate of 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 02/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed these account many times. These accounts are not mine. I request they be 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 07/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX was the final creditor on an old account in the amount of {$3100.00}. account # XXXX XXXX. the account was settled with them on XXXX/XXXX/15 in the amount of {$1700.00}. I have tried to contact them to update my credit report but the phone numbers I have are either " having trouble '' on the line or out of service. I even tried contacting the CEO XXXX XXXX but have received no response from him either. I want this off my report as I am trying to rent a new apartment and this is effecting my options.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Debt collection (I do not know) with United Credit and Collections Inc. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have contacted this company in regards to a bill that was owed. I asked for validation and this is what they sent me. None of the information was in my name. I clearly shows it was a application in XXXX XXXX. They changed the name to XXXX XXXX. When I explained that was not me she stated yes it was and we had a argument. I asked for validation forms of my name and social on the paperwork and this is what I have received. Again the name and social are not mine and yet they entered this on my credit report and I spoke to them. I do n't even know the address listed on the application. They sent the correspondence to my PO BOX . Also, since action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX XXXX XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for a XXXX account. While the account was never established the fraudulent inquiry was on his credit report. We received confirmation from XXXX they were removing the inquiry and acknowledged the inquiry was fraud related however an official dispute to remove the inquiry was sent to TransUnion credit bureaus and TransUnion confirmed the inquiry was accurate and factual. This reported inquiry is a violation of XXXX XXXX consumer rights.

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 12/28/2017 about Debt collection (I do not know) with ERC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently received a copy of my credit report and I noticed an account was placed with collections in my name that I have no knowledge of this debt. In XX/XX/XXXX I sent a certified letter to the collections agency asking for debt validation and I never received a response back. I again sent another letter in the beginning of XX/XX/XXXX and made phone calls with no success. This debt is not mine and Ive tried every option I could think of to fix this debt

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