milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2016 about Credit card () with CITIBANK, N.A. (AL).
Issue: Balance transfer fee

Complaint: Citi Double Cash Card Last 4 digits XXXX. Phone : XXXX. 
Name : XXXX XXXX Address : XXXX XXXX Al XXXX PH XXXX There was a credit balance on my card ( citi bank owes me {$53.00}. ) I was owed this money for XXXX months and citi did not take any steps to refund me. Citi sent me blank check, I used XXXX check to get my funds Citi was illegal holding without interest. I wrote a check for the amount {$53.00} and deposit it to my account. Citi paid the check but charged me a fee of {$5.00}. There was no notice or info on the check that a fee would be charged. I want Citi to refund me the fee of {$5.00} and interest for holding my money {$53.00}. I called Citi customer service on XXXX/XXXX/2016 but citi refused to refund me the {$5.00}. Solution : I want Citi to refund me the {$5.00} and appropriate interest for holding my fund.

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 09/24/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There really is n't anything like what I 'm dealing with listed for me to choose from. So I chose " incorrect information on my credit '' because it is the closest thing I could find. Equifax has been dropping my credit score with no good reason lately. Not just a little fluctuation either. I have no collections, excellent credit card utilization and excellent payment history, yet EquiFax dropped my credit score XXXX points in one week!!!! I had a XXXX a month and a half ago and now it has dropped to XXXX! This is unacceptable and VERY inaccurate!! There is no good reason for a score to drop that significant that fast when my credit is n't no where near bad enough to justify it. I have actually had several things removed completely from my credit and gotten new credit cards and paid them on time over the last couple months. It makes no sense that my credit score would drop XXXX points in one week. There is something illegal and shady going on at EquiFax. 
I want my score restored back to what it was.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit card () with JPMORGAN CHASE & CO. (OR).
Issue: Transaction issue

Complaint: Chase Bank Dispute number XXXX : XXXX -- -- Defective Product & Unable to Contact XXXX Inc. 
1 ) Hard drive was purchased online from XXXX Inc. 
2 ) Drive arrived by mail but was defective. 
3 ) No contact information or invoice was included in package. 
4 ) No contact info ( email, or phone or form ) on company website ( XXXX ). 
5 ) Found XXXX inc phone number with a google search, but one has to know an exact extension number to get though. It is not possible to leave a message. 
6 ) XXXX Inc is in violation of its merchant agreement by not providing contact information to customers. 

-- -- Chase Bank Fails its Professional Duty of Care Contacting XXXX Inc. 
1 ) Without being able to contact XXXX to address the defective product, a dispute was filed with Chase Bank. Chase representative also did not have correct contact information for XXXX XXXX. 
2 ) The above 6 XXXX Inc details were provided to Chase during the dispute process, but Chase failed its professional duty of care by not communicating the drive was defective to XXXX Inc. responded to the dispute not knowing the drive was defective and not knowing the customer was unable to contact XXXX Inc. 

-- -- Chase Bank Fails its Professional Duty of Care Contacting XXXX Credit card Customer XXXX. 
1 ) Letter dated XX/XX/XXXX from XX/XX/XXXX of Chase Bank was received by XXXX via paper mail but after the response deadline ( XX/XX/XXXX ) due date stated on that letter ; therefore, Chase Bank sent a letter with a response due date requirement that was later than the date the customer would receive the letter in the mail, making a response by the due date completely impossible. 

2 ) This lack of a professional duty of care by Chase Bank with respect to the handling of its XXXX credit card disputes is not an isolated incident, but is instead habitual negligence by Chase Bank not only negatively affecting XXXX, but negatively affecting all Chase XXXX customers filing a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Payday loan debt) with BlueChip Financial (DE).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Someone from the company  XXXX   XXXX   XXXX   XXXX  is calling, representative named  XXXX   XXXX  's, is stating he 's an Investigator for  XXXX  County and will be serving me at my place of employment. I asked them to send a letter to my home address and they are refusing. They will only send me an email.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An account was set up in my name by my parents without my permission and I the account was being used while I was in the military, years later I see that the account was closed out due to non payment for a small amount. The bank has since restructured itself, I 've reported it several times but there has never been any outcome.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has put myself and my family at risk through improper handling of very sensitive personal information. I have no choice in the matter of whether I entrust Equifax with this personal information, because in today 's society it is mandatory if I want to maintain my financial worthiness. 

Equifax literally has one job, and that is to securely maintain this information to protect and preserve my credit. They have failed in the worst possible way. Now myself and others are at risk. The size and nature of this breach, nearly 150 million people affected, means that it is statistically unlikely that the negative consequences will hit me in the immediate future. This actually presents a problem, because it makes it harder to be prepared for it. 

Obviously many of us concerned individuals will be doing everything we can to monitor our credit and watch it closely over the coming months, but with a breach of this size it could be 10 years from now that my leaked data is used against me. We are all vulnerable now, and it could happen at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Upon reviewing my personal Credit Bureau Report from Equifax I noticed a few addresses associated with me that are not correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do not know about this debt. Does not show on my credit report. Telephone # provided on notice is only a recording of ads trying to sell me stuff. I want to know what this bill is about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax has my account showing date of last payment XX/2017 a balance amount {$2900.00} a charge off amount of {$2900.00} My account was closed out onXX/XX/2017 as inactive and a balance of {$0.00} I was mailed a copy of this account with the account number. 
I have provided by mail to Equifax proof of the account there is no active account no last payment nor a balance on this account as stated on my credit file by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Medical) with JMD,LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX does not have my debt statement due to a compromise of payment agreed upon in XX/XX/2015. This debt has been settled and dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The school closed and said i took out a lot of loans and i didnt. ther is no contact information to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit determination

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX MACYS XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX and XX/XX/XXXX Dear Macys, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Ive made a basic dispute by calling Chases 800 number. A few days later I received a letter to be filled out and sent back. They offer three options to return it and I selected to fax it back to them. A few weeks later I received another letter, stating that They have not received my response. I faxed it over again, but decided to check and found a confirmation that fax was delivered. I called disputes department again and was told not only that there is no fax to be found, but that the charge was validated already. I asked how was it possible for them not to receive it, and was told that I have not faxed it over. Moreover, to reopen a dispute I have to fax them a letter asking them to do so.

I asked to speak to a supervisor, and got basically the same information repeated back to me. When I asked if they received the second fax I sent in, I was told that it make up to 30 days for it to hit the desk. Immediate follow up from me was, if it does take that long, is it possible that my original fax didnt hit the desk yet, and why would the dispute be closed if it takes them that long to process faxes. I herd back a robotic response that nothing can be done now and I have to fax a letter to reopen the case. I asked for a phone number to the executive office and was offered a mailing address instead, as I wanted clarification, supervisor XXXX XXXX cordially informed me that JP Morgan Chase executive office does not have a phone number ( I guess company is saving money buy not having to buy phones for that office building ).

I said that my next step would be getting in touch with CFPB and miraculously he told me that my fax was located. Somehow, it was not attached to a dispute, and the full credit card number on the letter and name of the merchant made it impossible to find it earlier. I asked for a quick resolution, after Chases XXXX up, but instead was told to wait 30 days. 
I have XXXX confidence in Chase, their Credit card division has let me down numerous times in the last 6 month, and I dont want to pay for the useless product that I had to throw out and just waisted my time on.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted the same paperwork to Wells Fargo Home Mortgage on 3 separate occasions. 
It appears that the constant requesting of paperwork is a stall tactic by this agency to avoid helping consumers. All of these delays have an effect on consumers financial status or their abilities to carry on their daily lives, but expediency is not a quality demanded of Wells Fargo Home Mortgage. Delaying the process is also a loan shark tactic that designed to cripple the consumer financially by further damaging their credit worthiness. A policy should be in place that if a mortgage company fails to operate in a professional and expedient manner, they will not be allowed to report any information to the credit bureau. This would at least equal the playing field for the consumer. How many time do I have to submit the same paperwork before I get a solution to my problem. Wells Fargo Home Mortgage does not return phone calls to their office. Their intent is to not speak with you at all, but to continue with loan shark tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My credit report shows that my payments were delinquent in the past and some of my twin sister 's student loans are reporting on my credit report. I have contacted my student loan servicing company several times to report this and I have requested signed copies of the promissory notes to validate the loans. This information has not been updated and/or provided. It has an adverse effect on my ability to repay my loans and to be approved for a home.

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 05/18/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: FIA Card Services repeatedly billed numerous duplications of an unauthorized charge over a period of more than a year. By phone, they acknowledged the charge was unauthorized and credited back some of the instances, but then rebilled the same charge in duplicate. According to the Fair Credit Billing Act guidelines, I sent certified dispute letters on XXXX dates ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; and XXXX/XXXX/XXXX ). FIA Card Services did not respond at all to the first XXXX letters and only acknowledged receipt of the XXXX/XXXX/XXXX letter, saying they would research and respond. I never received a response to my detailed documentation of their error ( s ). They continue to bill me and add penalties, they referred me to their collections department, and they reported me as delinquent to credit reporting agencies - all in violation of the Fair Credit Billing Act and their own Billing Rights statement.

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 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In the beginning of XXXX I reviewed a copy of my credit report and found that National Credit Systems was reporting information on my credit report that I was unaware of. On XXXX XXXX, 2016 I mailed them a letter requesting validation of both of the accounts they were reporting. They only responded to one of the accounts and the other account they sent a letter but were only trying to get me to pay something they refused to validate. They did n't reference the original creditor or their contact information either in their response. I specifically requested a copy of the signed contract along with a break down of the amounts they were stating I owed. I ca n't understand how or why I could owe anything especially 2 different amounts. I know I put a deposit down on the apartment complex they are claiming I owe for and they do n't show any records of that. Instead they show me owing a balance of {$1000.00} then a second fee of {$2100.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a debt on my credit report that has been paid. But it has not been removed from my credit report. The debt collector  Credit Management Control  has sent the proper information in to remove the debt but it has not been removed from my credit report. I would like for this debt to come off my credit report. I am going to provide the proper information for this debt to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems (GA).
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 tried to resolve this issue through cfpb on four previous occasions and it has not been resolved yet. 
Complaint Numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX requested a letter from me authorizing the Credit Bureaus to remove the Hard Inquiries and she sent XXXX XXXX XXXX XXXX authorization for release to the credit bureaus. but Credit Information Systems has yet to remove them.

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 EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX is reporting on my Equifax report has late and with a last payment date of XXX 2017. I have n't had an account with this company in over 15 years. This debate is well over 10 years old. The company needs to validate this debt with history of the account and last payment. This should not be reporting on my credit report as this information is not validate!!! I do n't owe XXXX  XXXX any money therefor it should n't be reporting late payment and balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other

Complaint: I was a Chase credit card customer and there was fraud on my account, and Chase employees did not shut my card down after I informed XXXX different people it was compromised. This made the cards vulnerable for additional fraudulent charges, which did go through. Instead, Chase acted only after the CFPB became involved XX/XX/XXXX of 2015. Chase retaliated against me by closing all XXXX my credit card accounts. Ironically, I won ALL of the fraud cases, so by Chase 's own admission, the transactions in question were not made by me. I had never been late on payments on any of the XXXX cards at the time that Chase closed my accounts in retaliation. However, they shut down my ability to make payments on the closed cards, and multiple Chase employees on the phone and XXXX in the XXXX Texas branch REFUSED to accept my payment on XXXX XXXX, 2015. I overnighted a check to Chase, and they signed for it on XXXX XXXX, XXXX the due date- but they failed to post it to my account for nearly two weeks, resulting in finance charges and late fees and damage to my credit file. Chase orchestrated the entire situation of refusing to accept my payments and intentionally held the mailed check past the due date in order to profit off of me by way of finance charges and late fees. Chase also retaliated against me in XXXX of 2015 for reporting them to the CFPB after they failed to protect me from fraudulent use of my credit cards.

Company response to consumer: Closed with explanation