milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2016 about Consumer Loan (Vehicle loan) with EQUIFAX, INC. (AL).
Issue: Shopping for a loan or lease

Complaint: About six months ago, Equifax deleted XXXX auto loans I had from my credit report before the loans were paid off. On XXXX XXXX, XXXX I contacted Equifax about removing XXXX XXXX XXXX accounts that were originally opened in XX/XX/XXXX. Equifax informed me there was activity on the accouns in XX/XX/XXXX, therefore could remain on my credit report for seven more years. Now, they want remove these XXXX negative accouns that are over 20 years old, but they remove accounts that are n't even paid off yet. How is this not against the law? The auto loans were thru XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Using a debit or ATM card

Complaint: XX/XX/2016 I traveled from XXXX ( where we live ) to XXXX, XXXX. I remained in XXXX until XX/XX/2016 ( with a day trip to XXXX on XX/XX/2016 ) and flew back to XXXX that day. My husband called to tell me he had a text from Chase bank telling us the account was overdrawn. He called Chase to report this. I also had to call also because my name was on the debit card. We were told we would have a resolution in 45 days. There were XXXX disputed, fraudulent transactions, XXXX in XXXX and XXXX in XXXX, for a total of {$3000.00}. Once I arrived home on XX/XX/XXXX we completed the required paperwork and returned it to Chase. 
XX/XX/XXXX we received a letter from Chase stating their investigation of the matter was complete and the temporary credit they had placed in our account was being reversed for a total of {$2900.00}. I called the customer service number and spoke to a representative who essentially told me that even though he believed that I did not make those charges, we are still responsible for the charges. He said he understood that technology is used by thieves to create new debit cards which need to be swiped to make a purchase, but the technology " does not exist '' to replicate a debit card with a chip. The " purchases made with the chip reader '' were our responsibility. 
The XXXX transactions that were 'allowed ' by Chase were both from XXXX . 
I closed our Chase accounts on XX/XX/2016, as we no longer trusted Chase to keep our money safe. 
Today ( XX/XX/2016 ) we received a letter from Chase stating " there is a {$2900.00} balance due on your Chase acct ending in XXXX ''. 
I have never been in XXXX. I did not travel to XXXX do any shopping in XXXX XX/XX/XXXX. I did not make those charges and neither did my husband. We would be happy to swear to this fact. I have credit card statements that can verify I was in XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (DC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I did not authorize this inquiry. 
The below inquiry on my credit report is fraudulent and should be removed by this establishment. I never knew this was on my credit report and as it shows it should have been removed already. 


CBNA/ XXXX XXXX XXXX XX/XX/XXXX INQUIRY XX/XX/XXXX INQUIRY REMOVAL DATE Bank Credit Cards XXXX XXXX XXXX XXXX XXXX , SD 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 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied, and was approved for the XXXX XXXX XXXX Credit Card from American Express on XXXX XXXX XXXX. The card had a bonus offer of XXXX XXXX XXXX points after spending {$3000.00} on the card within the first 3 months. I completed this {$3000.00} spend by the end of the 3rd billing cycle XXXX XXXX XXXX the XXXX ). The agreement states the following : " XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX account 6-8 weeks after the spend requirement has been reached. '' It is more than 10 weeks since I completed this spend requirement and I have not still received the XXXX XXXX XXXX points bonus. I have called American Express 4 times regarding this, they have escalated this issue 3 times however they have not done anything about it. American Express has clearly violated their end of the agreement and I would greatly appreciate if the Consumer Financial Protection Bureau would help me settle this matter. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XX/XX/XXXX, with no success ; have called, faxed, email and mailed written request to have errors corrected with all three agencies XXXX, Equifax, and XXXX. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : Judgment # : XXXX, XXXX XXXX XXXX XXXX # : Unknown ( multiple accounts ), XXXX XXXX # : Unknow ( multiple accounts ), XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX, XXXX, XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, also remove inquires from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never applied for credit with these companies. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are not my names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Positive account to " add revolving credit account '' : XXXX # : XXXX this account was opened XX/XX/XXXX has a XXXX limit XXXX no balance ; no late payments currently opened paying as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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 a DISMISSED CHAPTER XXXX BANKRUPTCY ON ALL MY CREDIT REPORTS. It was filed mistakenly an attorney ( I onced used for a real estate closing ), on XXXX XXXX, XXXX. It was filed and there was no follow up at all with the bankruptcy court at all. It shows on all my credit reports dismissed with a balance of {$0.00}. I asked my attorney why did you file the bankruptcy, he tells me that he believes he did not do it, which I believe he did by accident. Of course, the attorney is protecting himself even though his name is on the paperwork with the court. I have a good to excellent credit for a long time. My scores are in the range of XXXX or better. When ever I apply for credit for credit cards, car loan or a simple furniture loan of only {$1000.00}, I always get denied due to a bankruptcy appearing on my credit reports, even though showing its dismissed with a {$0.00} balance. It is really frustrating my life especially as a newlywed as I am struggling to start a family with my wife. I definitely do not deserve this and it is not fair when I have been always a 100 % excellent with all my creditors. This Bankruptcy is scheduled to appear for 7 years on my reports, XXXX to XXXX. I CAN NOT afford this for another 5 years disrupting my life moving forward. I have tried numerous times with the court, the attorney and the credit bureaus to solve this issue and all I get is the run around with no success removing the mistakenly filed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with RFNA, LP (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I currently have an installment loan with Republic Finance. On XXXX XXXX a payment was submitted to them in the amount of {$150.00} and on XXXX XXXX the payment was applied to my account. On XXXX XXXX, XXXX I received a credit notification from XXXX and XXXX which stated that my payment was 30 days past due. I reviewed the payment receipt that was mailed to me from Republic Finance which stated that my payment was received. When I contacted them they informed that the payment system updates on the last day of the month which was XXXX XXXX, XXXX. They informed me that the payment did come in on XXXX XXXX but was not applied to the account until the next day. I then asked them why I was reported as 30 days past due when at the time the payment was submitted I was only 22 days past due. Again they told me that the system updates accounts electronically and that they have no control over it when it updates accounts and submits reports to the credit bureau. I informed them that this has happened in the past and I had to file similar complaints in regards to this type of credit reporting. They reviewed my account and then stated that they were not allowed to talk to me about it. They informed me to file a credit dispute, but made sure to tell me that the credit report wont be changed. I currently have a balance of {$400.00} which I want to pay but I feel that if I submit this payment I am worried that t will not be credited to my account correctly which may cause my account to remain delinquent. Republic Finance has a history of not report account information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: This is my last option. I am requesting CFPB 's assistance. In correspondence dated XXXX XXXX, XXXX, I disputed how incorrectly XXXX XXXX XXXX ref # XXXX has been reported incorrectly. From the filing date to my personal information. I was able to verify with the court that this information has been withdrawn last XXXX XXXX, XXXX. This proves that this credit repository 's information is outdated and no investigation was conducted.

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 Checking or savings account (Checking account) with VALLEY NATIONAL BANCORP (NJ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: The Valley National Bank gave me {$1000.00} over-draft protection. The two bank officers at its branch in XXXX, New Jersey told me this. One said, " XXXX XXXX, I have good news. The bank has approved your application for {$1000.00} over-draft protection so you do not have to worry about fees for insufficient funds. '' Subsequently, the Valley National Bank charged me {$72.00} for two checks for alleged insufficient funds. 

I do not want to bank at Valley National Bank anymore given this incompetence and inefficiency. But I paid nearly {$100.00} for business size checks. I want to close my checking account and be refunded the said payment for the business size checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Student loan (Private student loan) with AES/PHEAA (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I am trying to determine whether or not my student loans will be forgiven. I am a XXXX employee and I have my ten years of service. I have been trying to get my service provider to make a determination as to whether my payments will be counted toward forgiveness. Twice, they've told me they will review my case and get back to me. They have failed to do so as of this date ( XXXX-XXXX-18 ). Six months, this has been going on. I just need to know if my loan will eventually be forgiven. They also implored me to participate in the income based repayment plan which actually caused my monthly payment to go up by {$20.00}. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Other debt) with NCC Business Services, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: NCC BUSINESS SERVICES r eports to my credit report that I owe an apartment community that is no longer in business. When I asked the representative on the phone for verification of the debt he was not willing to help resolve this matter.     I have made multiple attempts to resolve this and they are not willing to help.     To this date I have never received any type notice that I can request validation of the debt.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX ( 3 in total ) show late payments that were not late. I was told they could not fix them and I needed to file a complaint. The CU stated that when the complaint came in they would ignore it and the bureaus would remove the late payments.

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 card () with CITIBANK, N.A. (SC).
Issue: Late fee

Complaint: Sears Credit card company adding late fee and different balance due amounts bill clearly different then the one customer receive.

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 05-03-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Trouble during payment process

Complaint: My last complaint involved monies owed to me by Bank of America. They responded that the reason I did not get the money was, " The notary made a mistake on the paperwork. '' However, they never notified me about the mistake and the notary was Bank of America 's assigned notary. It was not our mistake, it was theirs because they used their own notary who they sent to my home. What is strange is the fact that we got a letter confirming all was good and since then we have been paying our mortgage with no referral to the mistake Now they are sending me boxes of paperwork. It is about time that  BOA  pay for their mistakes.

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 12/19/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (VA).
Issue: Other transaction issues

Complaint: After almost 3 years of sending money to my in-laws through western union I am now being denied access to the service without explanation. Since XXXX Western Union will not allow me to send money any longer. I have contacted them several times and they say they are not allowed to tell me why my account has been closed, why my receipt history been deleted, or why I am no longer allowed to send money.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The charge from XXXX / {$700.00} that I do not owe because I do n't have XXXX nor have I ever had XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had my mortgage for12 years, and due to my job payment date always pay my mortgage on the XXXX of the month. A few months ago I was in a hurry and accidentally paid my mortgasge from a wrong account. There was insufficient funds, I realized the error when I noticed that the payment was not being withdrawn from my usual bank account. I initiated correction called US Bank and explained the problem. Since then reps call me on a monthly basis and harass me about the payment, even though my payments are always made within the grace period. Last month one rep called me and began asking probing questions as to whether I was living in my house or renting it. Itold them that was an irrelevant question, I felt that they were going too far, I asked them to not call me and harass me, but to check the records and note that I have always paid my mortgage. Also Us Bank told my spouse that if he brought cash in excess of XXXX to make the payment, that they would not accept it. When I went to make my payment in person the teller asked for my State Identification to pay the bill. I was shocked and told him that I had never heard of that he said that it wad a new regulation, I told him that I needed to see the regulationand I requwsted to speak with the manager

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Credit decision / Underwriting

Complaint: Quicken loans provides pre-approval letters without doing due diligence. This results in delaying closings which have financial impacts to buyers and sellers. When I bought my house in XXXX XXXX, MI they kept delaying my closing because they would not get their act together. 
Now that am selling the house, quicken loans provided a closing date of XX/XX/XXXX, and today one day before the closing they once again send out a statement saying they need to delay the closing one week. How can the government allow such abuse of the average citixpzen by the big company.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Good morning this complaint is a continuing of our Case number : XXXX XXXX XXXX my loan number with chase bank is XXXX for the property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXX on file all documents are attached on this complain case number : XXXX as today and is been more than one month since we open this complain nothing has been resolved with chase bank a representative from the chase bank executive office name XXXX XXXX at the phone number XXXX ext XXXX did call me ones she request for me to send her prove of all the repairs and XXXX to the property located at XXXX XXXX XXXX XXXX XXXX, PA XXXX we did send it over 2 weeks ago via fax and email we fax it to XXXX also fax to executive office at XXXX also email to executive office at XXXXXXXXXXXX and no one 's have getting back to us to let us know that they received and working on this case when I call XXXX XXXX XXXX yesterday she told the assisted who answer the phone that she ca n't talk to me anymore because my case on executive office was close that after she talk to me ones she ca n't talk to me anymore she told me to contact our new negotiator on the loan his name is XXXX XXXX at the phone number XXXX ext XXXX wish I did call more the XXXX times and I have this call record on my XXXX each time I call XXXX XXXX he never answer the phone his voice message says he will call you bank within 24 hours and he never call back please note : each of my call to XXXX XXXX specified very clear to please only contact us at our Mobil number or office number wish is XXXX or XXXX because no one 's is at home during working hours after more than XXXX calls that i have recorded on my phone as proved still XXXX did call me only ones last week but to my home phone number during working hours I call this a malicious intention because he knows that no one 's is at home he did not want to talk to me he just want to make a phone call to a number register in my name that he knows no ones will answer but just too he can have on his record that he did try to contact me ones : what I call an insult to the intelligence of anyone please note I am attaching the invoices requested by XXXX XXXX I am also attached the letter send by her executive office where it say that she will get back to me no later than XXXX XXXX and as you may know she refuse to talk to me when I call yesterday and today XXXX days after the letter expire on XXXX XXXX 2015 we do n't have any answer for our short sale see documents attacked

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my credit report dated  XXXX / XXXX /   2017  and  XXXX / XXXX  /2017 I n oticed that  XXXX   XXXX  was reporting information incorrectly. On  XXXX   XXXX   XXXX   XXXX  reported that my pass due amount was {$160.00} as of  XXXX   2017 a nd on  XXXX   XXXX  they reported as passed due {$190.00} as of  XXXX     2017. T his is less than  24  hours. They also stated on both reports that there was no recent payment which was incorrect. This shows that  XXXX   XXXX  has falsely reported information to the bureaus concerning my account. Since this is falsely reported I request that this account be removed from all credit reporting agency in violation of the FCRA by misrepresenting the amount owed or due. This also violates SC Law s ection 37-20-110 . I have attached copies of recent payments made to  XXXX   XXXX  and the reports that were received.

Company response to consumer: Closed with explanation