milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/24/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: On Monday, XXXX XXXX, 2015 my father-in-law an elderly person requested help from me ( daughter-in-law ) and son due to XXXX XXXX XXXX not receiving the payment. After authenticating my father-in-law about XXXX times. The Bill Pay Transaction to XXXX XXXX XXXX for a phone bill of {$50.00} paid on XXXX XXXX, 2015 was never received by XXXX XXXX XXXX which has caused my father-in-law stress after never having any issues. It is unfair and deceptive practice that Chase gave the runaround from XXXX until XXXX, where we patiently waited XXXX XXXX hours for a Claims manager due to the 'high volume ' of calls, when I was finally transferred to a Manager in the XXXX after speaking to over XXXX different Chase representatives ( various of which we did n't document their names, a few were XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX and lastly XXXX XXXX, claims department manager ). 
The call started with a simple question as to why XXXX XXXX XXXX had not received the recurring payment for the phone bill. Chase referred us back to XXXX XXXX XXXX to provide them proof of payment which XXXX XXXX XXXX did not approve and requested that a " Transmittal Report '' be faxed directly from Chase. We then contacted Chase again and requested the transmittal form which all representatives were not familiar with and they continued to transfer us to different representatives where the issue was finally and hopefully resolved by XXXX in the evening. 

It has been the worst experience with Chase and the type of experience and most unfair practice. There is lack of training, and it is important that clients and elders are n't treated with this type of experience.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (I do not know) with Bull City Financial Solutions, Inc (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: THIS IS NOT A DEBT THAT I OWE NOR DO I HAVE ANY KNOWLEDGE OF THE DEBT. THEY CONTINUOUSLY CALL AND HANG UP AND WHEN SOMEONE ACTUALLY DOES SPEAK I AM CUSSED AT AND THREATENED TO BE ARRESTED FOR A BACK DEBT THAT HAS NOT BEEN PAID!

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (I do not know) with Shellpoint Partners, LLC (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: you are engaging in identity theft, and you are engaged in illegal debt collection action, both actions have been reported to the federal government, the federal trade commission and CFPB, and you are to cease and desist, terminate any and all collection actions and transferring to third parties anything that is my personal information, further. Until you contact me with the proper sworn information or contact the government regarding the pending cases. You are in violation of federal, criminal and civil law, so act accordingly. Please reference that a new updated deed has been recorded, do not interfere with any property rights further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: APR or interest rate

Complaint: Upon reviewing my charges on my Citi Diamond Preferred Card, I noticed that my interest charge was higher than the previous months ' charges, despite any new significant purchases and the balance was being payed down. I sent a message via the online account managing center to explain the discrepancy. I promptly received a standard response on how interest on a credit card works with no attempt to even address my issue. I angrily responded, attempting to clarify my issue. I received another response, this time with only the last XXXX digits of my credit card number and nothing else. 
I then called CitiCards and was promptly hung up when a representative answered the call ( they know who I was during the automated phone prompts ). I called a second time and spoke to a representative who very confusingly mentioned that I was under a promotion that ended and that my interest rate changed. I did not sign up for any promotion and asked the representative whether or not it was legal for them to just change my interest rate without my permission or notice. The representative then denied that my interest rate went up and again attempted to explain a very simple question, and could not do so. I asked when the promotion went into effect and the representative put me on hold for at least 20 minutes. During this time, she would check with me to see if I was still on the line and I answered in the affirmative. Finally, she came back on the phone to check if I was still on the line and then pretended that she could n't hear my responses and then disconnected the call.

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 05-06-2016 about Debt collection (I do not know) with TD BANK US HOLDING COMPANY (DE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call and hang up when I answer, when I returned the call they ask if I am who I am and say that they need to verify employment and that I have to pay whether I want to or not. They call almost every other day and hang up and the last time I returned their call they asked me again if I am who I am and I asked why are they looking for me and why do they keep hanging up on me and once again today at XXXX on Friday the XXXX if XXXX 2016 the man hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: on or about XXXX XXXX 2017 I received a brochure from XXXX XXXX Master card ( Barclaycard ) Offering me to Upgrade my present XXXX XXXX Master card to a new XXXX XXXX Master card Plus foe an annual fee of {$99.00}. When i called i was told that i did not qualify at this time and to call back in 24 to 48 hours. I called every two days for almost three weeks and was told the same, that i did not qualify. No one could give me a reason why i did not qualify. Frustrated i filled out an application for this new card and a few days later i received the new card. I called Barclaycard to have my balance transfered to my new card and was told i had to pay off this balance of {$1700.00} and would not transfer it to my New XXXX XXXX XXXX. I explained to this manager that i had received a Brochure for an upgrade and was told i did not qualify. My complaint is that if i was able to upgrade all balances would have been transferd with no problem. My FICO is XXXX.My credit is excellent. I still have this brochure with my last four digits printed on it. This is deceptive advertising

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 07-10-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have recently been working on repairing my credit and have a collection account on my credit report from National Credit Systems. The account was placed in collections with them on XX/XX/XXXX via XXXX XXXX XXXX. The amount of the alleged debt is {$1400.00} While I do n't agree with the amount, I do know that I left owing a low balance. I had sent a certified letter to have this debt verified and validated and it was received by all three major credit bureaus between XX/XX/XXXX and XX/XX/XXXX but never received validation of the debt. I sent a settlement offer letter via certified mail and it was received by XXXX XXXX on XX/XX/XXXX. As of today, I have not received a response. This derogatory mark is being reported to all three major credit bureaus and is hurting my credit score and is preventing me from securing an apartment for my children and myself. I am asking that this be researched and that they be removed from my credit report, do not contact me in regards to the debt, and that debt be considered as not owed by either former, current, of future parties as all of my attempts to resolve this issue have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: My son 's name is similar to my name. He has very bad credit, including judgments against him. My credit was very good until his information started being reported on my credit report. We discovered this last year ( XXXX ) when my wife and I were building a new home. We contacted all XXXX credit bureaus asking them to delete my son 's information. For some reason, Equifax did not fix their errors. We have contacted Equifax by phone, by letter and by submitting a dispute via the internet. We have been trying to get our fixed rate loan since XXXX and are getting denied because of my son 's information on the Equifax report. They 're saying that rates are probably going up and we want to get locked in at the lower rates. It should not take XXXX more days to fix something that they were told about a year ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equiafax was compromised and now my credit score has dropped drastically within a day I tried to get help but I have to pay for them to now protect me even though the negligence has already impacted me

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The companies below ran my credit score without my permission and I want the problem to be fixed and the inquires to be taken off of my credit report ASAP. 

- XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX XXXX in XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX on XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - Capital One XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CO).
Issue: Managing the loan or lease

Complaint: I bought a vehicle long time ago in XX/XX/XXXX I was almost payed off in XX/XX/XXXX until it was illegally towed away by a tow truck company, and my car was not repoed by current car company. The car was resold, and any debt incurred should be billed to towing company who stole the vehicle from me years ago. This was a loss to me, and my insurance company could not help me. Police was involved, and as the XXXX vet they just allowed it, and I had to get a lift from the cops just to get home way across town, and it was barely 30 days after I graduated from college where I was still on food stamps. This was a damage as well as a loss I am not responsible for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I requested that the credit bureau provide me a physical copy of the original documents according to the Fair Credit Reporting Act section 609 a ( 1 ) A. They provided nothing only stating that the accounts were verified. Under this act the credit bureau 's must comply with federal law or they are in 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 08-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: On XXXX XXXX, 2017 I asked Navient to provide me with ALL documentation for my loans. They only provided 2 Promisary Notes for my Private Signature Student loans. I have NO documentation on my federal loans. Further more, I do n't know the specific amounts of interest, fees, or principal that I have paid on any of my loans. I suspect they have not been applying them properly which is why after 12 years, I have paid $ XXXX, which is more than my total amount borrowed, yet I still owe them a ton! I believe they are being unethical and at this point my debt should be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: All credit bureaus have removed an open account People 's energy from my credit report without my permission which has resulted in a significant drop in my credit score and I believe it 's in retaliation to me contacting this office. I never mentioned people 's energy in any disputes with any of the credit bureaus.

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 12/26/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Credit card protection / Debt protection

Complaint: I noticed I have been getting charged for Payment Safeguard service that I did not sign up for. This is not the first time I have had citibank charge me a fee like this. I cancelled last time. But I did not authorize it either time. I did n't notice at first b/c my accounts are on auto pay.

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 12/22/2017 about Debt collection (I do not know) with Ability Recovery Services, LLC (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX of this year, I pulled my credit report and found a collection account for XXXX XXXX College. My id was stolen in 2013 and I 've been battling with that since then. I contacted XXXX XXXX and sent my police report. They rectified the situation. About a month ago, I pulled my credit report and found a collection account for XXXX XXXX for XXXX XXXX. I filed a complaint with the BBB. XXXX  refuses to remove the account. The person I 've been in contact with is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I did not make this purchase : XXXX/XXXX/XXXX XXXX  XXXX XXXX {$190.00} I did n't make any of these either : XXXX/XXXX/XXXX Auth : XXXX Payments {$19.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$14.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$810.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$120.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$190.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$110.00} XXXX/XXXX/XXXX XXXX XXXX XXXX Ca {$59.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$730.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$23.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$8.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$54.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$29.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$32.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$12.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Wa {$7.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$8.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$260.00} XXXX/XXXX/XXXX XXXX XXXX XXXX  {$190.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$590.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$150.00} XXXX/XXXX/XXXX XXXX XXXX Ny {$160.00} I did n't. I do n't know who did. I have n't done any business or received anything from them. I figure my card was stolen and I reported that months ago. I have no choice but to continue complaining until the situation is totally resolved.

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 04-03-2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: JP Morgan owes my student loan # XXXX but their servicer XXXX XXXX XXXX changed my due date from the XXXX which I had for several years was changed without my permission to the XXXX which will not work my pay cycle all my other loans are due on the XXXX, and I have tried to change it many times but I kept getting told different answers, I do not know why my due date keeps getting changed. I believe that is illegal to go in and change any due dates unless I asked for them to be changed. I have tried to discuss other matters with CHASE but they refuse to discuss anything with me, they are still responsible for any actions that XXXX takes on loans because they still own this debt, if XXXX does not get its act together I may have file bankruptcy and that way no one would get anything. It is difficult to get a bankruptcy that includes student loans but based on the numerous actions taken by XXXX, I may not have a choice. I have a controlled XXXX XXXX XXXX but everything I talk to XXXX, my XXXX XXXX level goes up, I had to go to the emergency XXXX night because of them. My doctor advised me to have them contact me by email only because talking to them is no longer a good option. XXXX XXXX is a known liar and will not take the time to actually investigate a complaint, I have filed numerous complaints inside XXXX and I do not hear anything. Chase has a part in this also, they think because they do not do anything with the loans, they do not have talk with me but that is not true. Per the Consumer Financial Protection Bureau, you have a duty to deal with the complaints, you will only contact XXXX for their side of the story which is not a real way to solve a complaint. XXXX is a horrible servicer and I wish not to deal with them anymore and would rather file bankruptcy so I can have a healthier life.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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: XXXX XXXX agency has reclassified several paid acounts with XXXX balances as collection accounts. These accounts were paid off by a student loan consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Just got off the phone with Equifax after several failed attempts to get them to correct information on one account and remove another because of the date of the first major delinquency. Account Issue Number 1 -XXXX ( Loan Paid/close but reported as open ) I paid off XXXX on XXXX XXXX, XXXX. When a mont later Equifax was still reporting the loan open with a balance due of approximately {$14000.00} i I filed a dispute. On XXXX XXXX, XXXX they sent me a report saying they " verified '' the debt. In fact the report they sent # XXXX states the creditor reported {$13000.00} due XXXX XXXX, XXXX and thereafter reported " no data '' in XXXX and XXXX. So there was NO VERIFICATION. XXXX reports the loan as paid. Account Issue # 2 XXXX XXXX ( First Delinquency over 7 years ago ) I have asked Equifax to remove this old account several times. XXXX XXXX confirms that the loan is " old '' under FCRA rules but says its up the Equifax to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (Medical) with Capio Partners, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Capio Partners have reported a {$760.00} debt on my credit report. 

I am disputing this debt of {$760.00}, because it has never belonged to me ever! 

Capio Partners have been uncooperative in resolving this debt which has never belonged to me. 

This debt of {$760.00} is not mine and I demand a copy of my signature of the hospital admissions paperwork. 

My personal information was used with out my permission and with out my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (ID).
Issue: Managing, opening, or closing account

Complaint: Rushcard..A supposed update that was to be completed in XXXX hours has left me and many other customers with XXXX access to or funds and deposits. I am being evicted because of this and still do n't have money to move or feed my family even. I want my money and compensating in the form of first months rent and deposit on a place to live and some groceries!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I am using the app   XXXX   XXXX   which is suppose to connect to my bank. It connected when I first started but it wo n't show the updated amount in my bank account now. I made {$95.00} on the app   XXXX   XXXX   and was allowed to cash out but it is not showing the correct amount before the {$95.00}. I use PNC bank which is usually pretty reliable not sure if its an issue on their end or   XXXX   XXXX  .

Company response to consumer: Closed with explanation