milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: Some how some one made a copy of my debit card and went to XXXX different Chase banks and withdrew {$500.00} each time on XXXX/XXXX/2015. Bank notifed me by text asked if I did transaction, I said no, then I called the Chase Bank to in form them it was not me. Every person I spkoe to at Chase was rude and unprofessional, even told me my account is frozen and that Im not allowed to open another account at Chase because Im a high risk. I even had a gentlemen " XXXX " tell me If I had the card in my pocession then I must have done it. I was beyond XXXX. A victim and treated like a criminal. I was told at this point the person also deposited a check in someone elses name through ATM into my account. I told them it wasnt me and that took them a week to inform me of this. Back and forth several days, weeks and even going into XXXX banks to get my money out ( even the money that was left in my account ) they would not allow me to have access to it. I called again they told me that check sent out on XX/XX/XXXX, I called yesterday XX/XX/XXXX they said check went out on XX/XX/XXXX. Here its the XX/XX/XXXX and I still have not recieved my money. Is this legal for them to do. I did nothing wrong and I feel like they are the criminals they have my money and wont give it to me. I have been told by others that it has happen to them and their bank did not treat them like this. What can I do? What legal rights do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (I do not know) with Quality Asset Recovery LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Have had numerous phone calls to my house when pick up no one there at all would like someone to send me information if I owe a debt from this company and stop phone calls to my home! Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: APR or interest rate

Complaint: I have an XXXX Visa issued through Bank of America ( America 's most hated bank, I now know ). Should have known better. However since I pay all credit card balances in full every month I thought there would be no issue. I set up automatic bill pay to remove from my checking account the full amount of the credit card bill each month. There is a warning on the BOA website that the instructions might not be in effect until the next billing cycle, which is reasonable. However it 's now been XXXX cycles and they continue to debit my bank account for the minimum payment of {$25.00} ( an option I would NEVER choose ) and charge me interest on the remaining balance. On XXXX XXXX XXXX I called to find out why my instructions to pay the FULL STATEMENT BALANCE every month were not being followed. The customer service representative assured me I would see the correct amount paid on the next statement. My new statement ( XXXX XXXX ) also shows BOA again removing only {$25.00} from my checking account, and again charging interest on the balance. They clearly make a lot of money by not following instructions from their customers. I would cancel this card today except I really like XXXX companion fare deal. Too bad they have chosen BOA to issue their card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Key 2 Recovery, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This account is showing on my credit report and I have asked for proof and not getting any where with the creditors or the bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Midland LLC is still trying to collect on old debt. Account number XXXX now it 's Midland Credit MGMT. They keep selling to one of their company 's. I have filed with consumers and wrote you letters leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted  XXXX  via phone and the internet to request that you remove the following unauthorized inquiries from my credit report :   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   ( 7 ) Various Dates So you explain to me that this inquiries are factual in which  they are not. I have attached a copy of the letter that I have sent directly to the creditor disputing their reporting.       I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.     I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 11/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: On Thursday, XXXX XXXX, 2016, I used my Chase Debit Card to purchase XXXX XXXX tickets from XXXX to XXXX for an amount of {$690.00}. The debit card processed the transaction with no issue, and I was emailed a receipt and confirmation number for check-in. On Friday, XXXX XXXX, the passengers I bought the tickets for checked in at XXXX and were informed the confirmation was cancelled because the card was declined. I look in my account and I can clearly say that Chase took out the amount of {$690.00}. The passengers had to buy their own tickets as a result. I called Chase and it turns out they turned off the card because Fraud Detection was activated and Chase believed the card was stolen. I confirmed to Chase that I authorized the transaction but by the time that happened, XXXX already cancelled the reservation and submitted a refund to Chase. I called Chase and XXXX and disputed the transaction, but today is XXXX XXXX and I still do not have my {$690.00} back. I need this amount to pay rent and travel and Chase is making this harder than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information.
They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Hi I am XXXX, I asked my annual free credit report from Equifax but they are not able give me that, they are simply telling some or other reason I have received credit report via mail twice once but when I ask them they say your address is wrong in our system. ( which they corrected it seems today ) I am afraid why I am not able to see the report online and how I receive the credit report on mail when Equifax has wrong address. 

Please look into this Thanking in anticipation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Medical) with Ability Recovery Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Ability Recover Services, LLC has repeatedly reported to the XXXX credit bureaus that I owe a debt that was paid to the original creditor by insurance. I have called them 4 times to resolve the issue and after they stated they would remove the debt from my bureaus, it has now reappeared on XXXX. When I call them to ask them why, they tell me that I " probably '' still owe the amount even though they have sent me an invoice that shows it was paid by insurance to the original creditor. The original creditor submitted an invoice to me that shows that it was paid as well as their payment company, XXXX. My last communication with Ability Recovery Services was today XX/XX/2016, over the phone where the Manager stated to me that I needed to speak to the person who is handling the account who is under here and that she believes that I still owe the money even though there are " paid '' invoices on file. When I tried to explain to her that I had received an invoice from the original creditor as them showing that there was a XXXX balance, she put me on hold for over 20 minutes. I have sent this company a request for validation of the debt pursuant to the Fair Debt Collections Practices Act 15 USC 1692g SEC. 809 ( b ) by USPS mail with signature required delivery but they have not responded to that request. They have only sent a generic letter or verification which ironically had the invoice that shows the debt was paid. On XX/XX/2016 their representative XXXX stated that the error would be removed from my credit reports and that it would not be put back on them. On XX/XX/2016 I received a notice from XXXX that the debt was placed back on my report by Ability Recover Services LLC. To date, they have continued to tell me that I need to contact the credit bureau 's and dispute with them and the credit bureaus tell me that I need to call the company that is reporting the negative file to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017, I purchased a car at XXXX XXXX dealer located in XXXX XXXX Maryland. At the time of my purchase, I came into the dealership with a pre-approved purchase from a bank that I have used in the past to purchase cars.The Finance officer had my credit evaluated as a hard inquiry more than 6 times. I never gave permission to run my report as a hard inquiry as I already had an approval letter. I feel that this action has created a negative impact on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CHECK INTO CASH INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received an email alert from XXXX that I had two ( 2 ) recent credit inquiries that I did not authorize. Both were considered soft inquires, but it is still unknown if account was opened in my name without my permission. 

The first occurred on XX/XX/XXXX by Check into Cash at ( XXXX ) XXXX in Tennessee and the second one occurred on XX/XX/XXXX by XXXX XXXX. I know the XXXX XXXX has been investigated in the past for this. 

Check into Cash is looking into this matter and because of the known past history of the XXXX XXXX, I did not contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 10/28/2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (IL).
Issue: Using a debit or ATM card

Complaint: I ask if the person at the front if she could help me with a problem that i was having with the atm machine, and she was very rude, she stated that she could not help me at all, that for me to call the XXXX number on my card

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Medical debt) with Collection Service Center, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The XXXX XXXX XXXX XXXX sent my bill to a collection agency while the bill was still in dispute. The XXXX billing office sent me a bill charging me for services, which was more than twice the amount I owed ( the amount based on the contracted rate from my insurance provider is much lower ). They have sent me this bill 3 times and then sent it to collections, even though I have informed them that I should get a contracted rate for these services, based on information from my health insurance provider XXXX. I am in discussions with my insurance provider to have the bill reprocessed and I have called the XXXX XXXX XXXXXXXX XXXX billing office twice so far disputing the bill and informing them that the bill is being reprocessed to reflect the contracted rate from my insurance provider. They ignored this piece of information and went ahead and sent it to a collection agency anyway instead of waiting for the reprocessed bill for the lower amount from my insurance provider. Moreover my insurance provider has since paid a portion of this bill to the XXXX XXXX XXXXXXXX XXXX as the attached claim details ( from XXXX ) show. 

At least 3 bills were sent to me from the City of XXXX XXXX, the latest one being from their collections department on XXXX XXXX. I have called and explained to them that the bill is being reprocessed and I need to wait before I can get the reprocessed to pay the exact amount I owe - my last call was on XXXX/XXXX/XXXX. 

My insurance provider has since paid a portion of the bill, so it also needs to be adjusted to reflect the amount already paid. 

In addition to this causing me unnecessary stress and anxiety over the financial matter, it could potentially affect my credit history at a very sensitive time for me when I am trying to buy a home and my credit standing is extremely important.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (RI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: returned payments led to closing of my card. My bank account was used fraudulently so I had returned payments within the span of 3 days. I always paid my bill on time and never any issues in the past year yet account closed with no explation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Two checks for repairs were issued by insurance company to customer. Both checks had customer 's name and repair facility 's name on them. Customer was allowed to cash both checks with only customer endorsement. Now customer refuses to pay balance owed to repair facility.

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 03-11-2016 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX are notorious in trying to collect fraudulent debt. Their attorney refused to compel discovery from the court. They claimed that they served in a house I did not owe and also I was in XXXX at the time of service. This company and their shady lawyers must be confronted and fight back legally. I won the set aside Motion and got my garnished money back. I urge anyone who has a problem with this company, please contact me at XXXXXXXXXXXX and let us get together and hire a lawyer and file a lawsuit. This does not even have an address or phone number you can contact them but you can contact via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. I wish you all a great luck and fight back if you are correct or debt is old and does not comply with the statue of limitation. I heard this company and their shady lawyers trying to collect debts from 1970 's. Just XXXX their name and you will see the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The US Bankruptcy court is reporting a Bankruptcy with my name. The US Bankruptcy Court told me that they do not verify or report this information to the Credit Bureaus. That information was pulled by a Third Party and they reported. After disputing directly to Experian to remove this from my report they stated that is was verified by the US Bankruptcy court and that is a blatant Lie. Therefore the Bankruptcy must be removed immediately from my Credit Report with Experian.

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 05-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent a certified letter to transunion disputing inaccurate information in regards to a public record. I have filed chapter XXXX and it has been discharged. I sent copies of the court information proving that the public record item for XXXX XXXX was included in the discharged bankruptcy. I get back a credit report showing the amount owed of XXXX. It is to my understanding under the FCRA rule no amount should be showing. I also disputed this online. I am filing a complaint for them refusing to fix this error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Billing disputes

Complaint: XX/XX/XXXX I signed up for a Wells Fargo XXXX XXXX card to take advantage of a XXXX, no interest financing for an engagement ring purchase. I began to make payments to the outstanding balance appropriately so that the balance would be paid in full in exactly 12 months. XX/XX/XXXX, I decided to add additional wedding jewelry purchases to the card and assume a new 12-month no interest financing offer. I continued to make payments on the card to pay off the first balance by the XX/XX/XXXX deadline. I later discover that the payments were being applied to both financing offers through an inexplicable system algorithm, and that while I thought I was paid in full by XXXX, their system showed an outstanding balance on the first offer. They then proceed to exercise their clause to charge 27.99 % APR on the remaining balance. 
When I called to ask for remedy through changing how the payments were applied to each offer, they alleged that they had no ability to control how the payments were applied and could not give me " credit '' for having paid the first full balance by the 12 month deadline. They then offered to reduce the total interest charge by 25 %, and were unwilling to accept a counter-offer of something which I thought was more reasonable, which still accepting fault for something I ( and they ) could not control. I called to request audience with a level of management above the Supervisor level but was denied. I am disappointed with Wells Fargo Financial National Bank and their inability to accept responsibility for maintaining a system which has full control over people 's financial matters with no ability for human override.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Following my divorce my ex-wife had our original mortgage modified after getting the home into foreclosure. Wells Fargo modified the mortgage lowering the principal and interest and adding a XXXX mortgage for back payments and legal fees. The house has gone into foreclosure again and Wells Fargo is coming after me, I did n't sign any of the paperwork to modify the original mortgage or the second. How can I be held responsible for a contract that I did n't execute?

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was struck by a cyberattack so they did not have the security needed to protect my personal information which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Medical) with ALCHRO INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This is in reference to my complaint and disputed in submitted via CFPB in XXXX 2015 of which I have not yet had any response. The disputes complaint number is:XXXX and to re iterate ; I was informed by the IRS that my personal information had been used and advised me what I should do as a victim of Identity Theft. I am contacting all account that do not belong to me and have been opened fraudulently. I forwarded my Identity Theft Affidavit via the CFPB portal ( 9 ) months ago and I would like this matter addressed as it is causing great hardship to my life.

Company response to consumer: Untimely response