milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2015 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Other fee

Complaint: I responded to an offer online with Chase. 
I have multiple accounts with this bank and impeccable credit XXXXI received a Chase Fairmont card - upon receipt I confirmed the bonus offer terms and if and when an annual fee was to be charged I was told there would be no fee until/ and was even given a date of XX/XX/2106. 

Well my first statement was received and with it was a {$95.00} fee

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2018 about Debt collection (Medical debt) with Midwest Recovery Systems (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Midwest recovery systems is fraud Im on full medical with medicare and medicaid I have XXXX XXXX. My doctors are aware of this false debt that I dont owe. I request its moved immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Other debt) with Source Receivables Management LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: SOURCE RECEIVABLES MNG is reporting negativity on my credit reports ( XXXX XXXX XXXX XXXX  XXXX. This account was supposed to be deleted when it was paid. They 're still actively reporting as a current negative account. I need them to remove based on the agreement we had ... they said they would remove it when it was paid ... Please delete from my records ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Consumer Loan (Vehicle lease) with Dennis Dillon Auto Park and Truck Center, Inc., (FL).
Issue: Managing the loan or lease

Complaint: had a vehicle lease by XXXX, the vehicle was turn at the end of the term intact with all lease payment made in full, XXXX XXXX have used fraud to say I won them {$790.00} I have disputed this for years, they have remove it and then brought back by collections agency XXXX account XXXX, I have written to this company they have refused to remove it from my credit, call at all hours and harass over the phone on an ongoing bases

Company response to consumer: Untimely response
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: ON XXXX/XXXX/XXXX I DISPUTED A COLLECTION ACCOUNT FROM XXXX XXXX XXXX XXXX IN THE AMOUNT OF {$130.00} ON MY EQUIFAX CREDIT REPORT. I RECEIVED NO RESPONSE. I SENT A FOLLOW UP LETTER ON XXXX/XXXX/XXXX. I RECEIVED A GENERIC RESPONSE, BUT NO INFORMATION HAS APPEARED ON MY REPORT SAYING THAT THIS ACCOUNT WAS BEING DISPUTED. PER XXXX  LAWS, IT MUST SHOW DISPUTED WITHIN 30 DAYS. AS OF THIS TYPING IT IS STILL NOT SHOWING DISPUTED. EQUIFAX IS BREAKING FEDERAL LAW AND I KINDLY ASK THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT OR COURT ACTION XXXX HAVE TO BE MY NEXT STEP. I HAVE ATTACHED COPIES OF MY LETTERS INCLUDING A 3RD LETTER DATED TODAY XXXX/XXXX/XXXX. I CAN ALSO PROVIDE PROOF OF DATES WHEN EQUIFAX RECEIVED MY CERTIFIED LETTERS AND PROOF WITH TIMESTAMPED CREDIT REPORTS SHOWING THEY HAVE NOT COMPLIED WITH THE 30 DAY MARK AS DISPUTED LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: On or about XXXX XXXX, 2001, Wells Fargo on behalf of XXXX Mortgage, filed a defective reconveyance when a loan was paid. The defective reconveyance referenced the incorrect county document number and therefore an outstanding mortgage still shows in the chain of title. All appropriate materials, including the county documents and original loan documents were sent to Wells Fargo Home Mortgage via certified mail. There is no phone number or way to speak to anyone at the written correspondence department. A month has passed with no contact from Wells Fargo. The carrying costs are substantial. A contract for sale has fallen out of escrow because of the silence when presented with their error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: As a loyal customer of Santander Bank, I am not happy that I had to hear from another Bank that Santander had a privacy breach. As a customer I would expect Santander to notify its customers, but instead I need to hear the news from another Bank that received a privacy breach letter from Santander. The letter another Bank received discussed the following : On XXXX XXXX, 2016 Santander Bank sent an image cash letter file to the FRB and the file did not have a correct alignment of the data to the image records and as a result, it is possible that check images from the file were viewed by third parties or unintended recipients of the check images. Being a resident of the state of Massachusetts where privacy is taken extremely serious and being a customer of Santander, you would think the Bank would notify its customers that such event occurred or let them know the event occurred and their information is safe whether an image of their check or information was viewed by a third party or not. 
I have been highly unsatisfied with Santander 's customer service recently and this just puts the icing on the cake in terms of me taking my deposits elsewhere. I do not see how this Bank could keep me as a customer at this point. Recently, they decided to take away my XXXX checking account with no reason on why the product was being cancelled even after I asked to be contacted. They even went to the level of being unfair and deceptive in terms of only offering {$150.00} to new customers of their simply right checking product which is what they are putting me into after closing their extra20 product and told me that existing customers do not qualify. So they are forcing me into a product I do n't want and not offering me a bonus because I am not a new customer. None of this makes sense. You would think that they would offer existing customers something after forcing them all out of a product. You would even think they would grandfather customers into the product to not lose them or get to the point where a complaint has to be filed because the Bank is becoming unfair and deceptive to its customers. 
If Santander wants to win my business back they should be notifying their customers about this breach and always honoring their customer requests to keep them in products they are discontinuing. The Bank should be fair to its customers and not try to deceive them as well. If they can not do this they are just turning into a XXXX XXXX and will wind up in the news in a negative light for being unfair and deceptive. I am sure I will not be the only customer to complain or approach the news stations on this topic. 
I hope the CFPB and regulatory agencies can assist in this matter and force Santander to clean up its act.

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
Consumer complaint received 12/17/2016 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: For two months now I have not been unable to access my M & T bank accounts online. I rely on online banking to pay my bills. I have made XXXX separate phone calls over the past two months regarding this issue. Every phone call they tried to reset my account and nothing worked. I still get a message after I log in that says, " online banking is temporarily unavailable. We are working to resolve the service as soon as possible ''. No one has been able to help me and each time I have called I was told that they have to put my name on a list and a supervisor will get back to me the next day. That never happened! I have now been delinquent on my bills for almost two months. A couple of them I was able to pay directly. I just saw on a my mortgage lender account that the bill that I paid using my checkbook was rejected for some reason and I have been charged XXXX late fees!!! The representatives that I spoke with each acknowledged that it was a problem on M & T 's end but yet they have n't it in two months. I have n't even received a phone call. 

I went to a free standing M & T Bank and they told me that they could not help with online issues. Today is now my fourth phone call to M & T bank. I asked to speak to a supervisor and I was put on hold for approximately 56 minutes now. I am still on hold as I am typing this complaint. I ca n't believe that they would treat their customers this way. In the past I have waited no more than 2 minutes for my call to be answered. 

I need this issue resolved as soon as possible. I have never had a late payment to a payee. Now I have a bunch of late fees and counting. My credit is becoming affected by this. Please advise!!

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 09-08-2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Rewards

Complaint: I applied under a XXXX bonus for the Mileage Plus Chase Visa Card. Within an hour I received an email offer from XXXX about a XXXX bonus ( email attached ) for the same card. I emailed XXXX ( email attached ) and they said they could n't do anything that I had to contact Chase. I called Chase and the agent told me that I could get the XXXX bonus by cancelling the card with the XXXX bonus and reapplying under the XXXX bonus. ( Unfortunately, this was a phone call with no documentation. ) I did what the rep said which held up the XXXX bonus card for two weeks while they cancelled the XXXX card and issued the XXXX. When it came time for the bonus, I only receive XXXX miles. After writing XXXX emails and speaking to XXXX reps, despite the fact that I forwarded a copy of the XXXX bonus email and the XXXX XXXX email, Chase will only give me the XXXX bonus. If the original agent had told me she could n't do anything, I would have been unhappy but I would have understood. I also would not have had to wait for the credit card or have had my credit rating affected because I applied for and canceled a card within a small window. Instead I did what the Chase representative told me to do and was greatly inconvenienced. Unfortunately, crediting less than the bonus offer is a common Chase practice which I found out by searching on line after my unhappy experience.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX NEW YORK XXXXXX/XX/XXXX, 2014Open $ XXXXAccount DetailsLast ReportedXX/XX/XXXX XXXX 2014Collection AgencyXXXX XXXX XXXXOriginal CreditorXXXX XXXX NEW YORK XXXXStatusOpenOpened DateXX/XX/XXXX XXXX, 2014Closed Date -- ResponsibilityIndividualBalance $ XXXXHigh Balance $ XXXXRemarksPlaced for collectioni dont owe this amount i signed up with lifelife and then was offered special rate for long distance because long distance was the next town over local service was only town i was in, and when i signed up then tried to say i wasnt eligible for savings rate and charged my account with ridiculous amount and then disconnect my service and then charged me disconnect fee i am disputing total amount due

Company public response: Company chooses not to provide a public response
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 CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2018 I received a notification that I gained a new hard pull from XXXX XXXX XXXX. I never authorized this bank to look up my credit information, nor have I ever heard of 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 non-monetary relief
Consumer complaint received 06-05-2015 about Debt collection (Credit card) with Mid-Atlantic Consumer Services (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I believe the company to be a scam, and trying to get money out of me. Contacted me on a " ten year old debt '' that I 've never heard of until now.

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

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I tried to apply for a gas card through XXXX and was denied due to showing 12 hard inquires on my credit report. I checked my credit report and as a result saw there were hard inquires on my credit report as well as my personal information is incorrect and needs to be updated my day of birth shows XX/XX/XXXX and that is incorrect. There is information on my credit report that needs to be deleted due to have been paid off, it 's from the XXXX XXXX XXXX XXXX it was originally from XXXX XXXX then was appointed to the government. I have filed a complaint before in regards to the issue I had with XXXX XXXX, which now is XXXX, but related the another issue. It is reported as closed but is showing on my credit report. The hard inquires for these last 12 months are not something that i recognize and would like them removed off my credit reports. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX SD XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( XX/XX/XXXX 3.XXXX UT XXXX ( XX/XX/XXXX & XX/XX/XXXX ) 4.  XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I want these hard inquired removed off m y credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On XXXX I requested my free report from TransUnion. I have only received stall tactics and no report. Please send my free credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Closing on a mortgage

Complaint: We were shopping for Mortgage loan soon after our house contract was sighed. At the very beginning, we talked to XXXX XXXX and were very happy with their offer. BOA Mortgage Lender approached us and agreed to match XXXX XXXX  offer. Because of this, we turned off XXXX XXXX offer and chose BOA given that we are existing BOA customers, we thought it may help to streamline the loan application process. Unfourtnately, the experience was very unpleasant. 

- BOA failed to provide the offer they agreed. At the time when the lender approached us, she agreed to offer us a 3.125 % interest rate with no point and no application fee. However the loan estimate has both point and application fee. We questioned the discprapancy and the lender explained it was due to internal system internal issue and she will get it refund to us. Given the tight closing time, she suggested us to proceed with the loan to avoid delay and promised to refund the difference to us. 

- BOA failed to respond and resolve this issue in a timely manner. We keep asking for the refund progress but no response yet. The issue was escalated to the lender 's VP and then another division. We were informed the person was on vacation and no estimated time of cure was given. 

- BOA failed to act professionally. I 've seen several mistakes at the closing statements - typo in the address of property we bought, revised closing figure which we percieve a reasonable lincesed lender would not do so. The clsoing date was delayed because BOA failed to provide all documents to escrow timely.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: OnXX/XX/XXXX, I tried a number of times to contact XXXX XXXX XXXX to initiate a security freeze both online and by phone. In all cases I was disconnected or the information online did not load. I currently have a membership with Experian for {$24.00} per month and have had it for several years. On one occasion a couple of years ago, I tried to cancel my membership with the same results ( the phone would disconnect ). At the same time, I had to change the credit card I had used to pay for their service so I decided just to not inform them however they automatically began to charge the membership to the new card. Rather than continuing to try to cancel membership, I just let it slide until now. On XX/XX/XXXX and onXX/XX/XXXX, I called multiple times to call the number they provided to cancel membership and except on one occasion, the call was just disconnected. The exception was that I received an automated response noting a high volume of calls and the put me on hold for 45 minutes. I finally hung up.

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 08-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A woman from the state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used my XXXX drivers license and social security number to purchase a car thru a loan company called XXXX to purchase a XXXX car. I did not have anything to do with this. I would think this is highly illegal. This transaction showed on my credit report on all XXXX bureaus as a positive item which has effected my debt to income ratio. I need this removed I did not buy a car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My account status for XXXX XXXX is labeled as transferred when in fact it has been Paid through a collection agency but has never been updated as so. This is affecting my credit because it appears as though there is still a balance owed AND it is being reported on my credit report XXXX with the exact same account numbers. The second page of my attachment has the letter stating this account has been PAID.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Credit card () with BARCLAYS BANK DELAWARE (CO).
Issue: Other

Complaint: helloFirst I 'd like to let you know that removed my full name leaving only initials for security purposes. 
I am contacting you with regard to XXXX rewards card. 
This card classified my payment as late from XX/XX/XXXX ( saved the webpage for your records XXXX. I reviewed the account and I can see that I modified my payment method on XX/XX/XXXX XXXX an email was sent to me ) below is the details : Type : ModifiedReference ID : XXXX Date : Monthly on the day of your payment due datePayment Amount : Minimum payment dueBank Account Name : XXXXAfter payment method modification, the monthly statement ( which is attached for your records ) was issued for the following statement Billing Period : XX/XX/XXXX - XX/XX/XXXXIt clearly statesActivity for XXXX XXXX - card ending in XXXX Date Posting Date Transaction Description AmountXXXX/XXXX XX/XX/XXXX Payment Received BANK OF XXXX - $ XXXXThis clearly states that the credit card company received the payment on XX/XX/XXXX yet informed me that the payment is late. 

Moreover, when I login on the credit card personal webpage ( on XX/XX/XXXX ), it states that the payment is overdue last payment received {$25.00} XX/XX/XXXXI had a similar story with this credit card company XX/XX/XXXX which obviously had issues with their website and they reported my payment as late XX/XX/XXXX. During that time I had problems with Auto payment enrollment confirmation and this credit card company reported my late payment to credit bureau which negatively impacted my credit history. I wrote them nicely to ask to correct the issue but they refused to help me. I am attaching my credit report which shows that I never been late on any other credit card yet XXXX rewards card is causing me a lot of trouble. I was unable to receive good credit cards as well as obtain a credit because of these issues. 
I am an elderly person and the whole story causing me a huge distress. Please help. 

Thank you and XXXX bless you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation