milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2017 about Credit card () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Transunion XXXX showed up on my credit card bill several times and NONE WERE AUTHORIZED. My credit card issuer has disputed/refunded what was paid but this scam is apparently very widespread as I viewed the pages and pages of complaints online. You should check into this because if it is a legitimate business, they should be penalized significantly. If it is a scam, with as many illegal transactions as this entity has been involved in, they should be able to be tracked down and prosecuted. Then my credit card issuer notified me that another unauthorized transaction for an escort service was attempted for {$39.00}. So the XXXX must be related. 

Unauthorized transactions on my credit card : XXXX XXXX XXXX TU *TRANSUNION XXXX CA {$19.00} XXXX XXXX XXXX TRANSUNION XXXX XXXX CA {$19.00} XXXX XXXX XXXX XXXX *TRANSUNION XXXX CA {$1.00} XXXX XXXX XXXX XXXX *TRANSUNION XXXX CA {$19.00}

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 08-05-2015 about Debt collection (Medical) with S&S Physician Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015 I sent Harvest Associates Inc., a request for a verification and validation of this debt pursuant to the FDCPA, 15 U.S.C. 1692. Next, I received a response letter from Harvest Associates Inc. stating who the original creditor and the current balance of this debt. However, Harvest 's letter failed to verify or validate any legitimate debt. Thus, Harvest 's letter failed to provide any clear documentation or admissible evidence of the allege debt they report to claim. According, Harvest Associates has not provided any evidence that they have extended funds to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with BARCLAYS BANK DELAWARE (CT).
Issue: Other

Complaint: I have been doing business with Barclay Bank for approximately 7 years. This past XX/XX/XXXX I called to attempt to use some of my points for a XXXX vacation. ( One of the reasons I like the card and pay an extremely high fee is because of the rewards program. ) After four of five calls, receiving numerous different reasons of why they could n't access it ... ca n't find the account, computers are down. Then I received a letter stating they were raising my credit limit. Approximately 5 days later, I received another letter saying they were canceling my card due to credit issues. I am in the process of a mortgage modification, however I have never been late with Barclay Bank, in fact, I have a {$5000.00} limit with them and the week or two prior I paid them {$3000.00}. When I called Barclay 's they told me due to my account being canceled, I could not use my rewards points that I earned. I then asked them about my $ XXXX yearly fee and the man told me " well you got to use it part of the year did n't ya. '' This unethical misleading, frankly despicable behavior is what gives banks a bad name. Because of this, we had to book our yearly vacation last minute costing me thousands of dollars extra. I am desperately trying to stay out of bankruptcy and this banks horrible inexcusable behavior is the final nail in my coffin. Please prevent this from happening to any other honest people.

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 06/17/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing statement

Complaint: AMERICAN EXPRESS CARDS GOT STOLEN, AND REPORTED TO THEM. 
XXXX DISPUTE CHARGES ON THEM. 
THEY WILL NOT TAKE THEM OFF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Bank of America seeks to enforce a debt which is non-existent, not based on a final judgment, and beyond the California Statute of Limitations of four years for a contract debt. 

The debt collection is barred by the statute of limitations and enforcement is illegal. 

Researching the matter required the use of a California Licensed Investigator which resulted in a cost to me of {$1000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Thank you for accepting my complaint. I am trying to purchase a home. In process of doing that my credit was pulled. I found out from the report that my identity was stolen as several items listed I had nothing to do with. One of the items on my credit was a medical collection from Commonwealth Financial account number XXXX for {$910.00}. It is also listed twice, same account number and same amount with XXXX. I understand that is a violation as well. Anyway, I went and filed a fraud report and mailed it to the bureaus and to Commonwealth. Commonwealth declined it. I contact them by phone and they said that quote " because you waiting 1 year to notify us, you owe the money and we will not delete the account '' then they went on to tell me that I could settle the account and they would remove it. I am very upset as I feel like this is just a tactic to con me into settling the account. I feel very strongly that since I did not do this why should I have to pay it. Also, nothing I have read says there is a time limit on ID Theft. Only reason I even knew this was on my account was because I was applying for a mortgage. Commonwealth Financial in my opinion is employing dirty unlawful tactics in order to get me to pay for something I did not do. They have received my ID theft Affidavit. I copied my police report in this complaint but not the ID Theft Report. Commonwealth has a copy though. They have also received a phone call from me. Both times I was denied, I am asking for your help to resolve this now.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Settlement process and costs

Complaint: our home loan was bought out by Loancare, a servicelink company division of XXXX. A few months after, they asked us to do a government refinanace to save money. It was happening all over the country for this type of loan, so we did. At closing, notary said, '' by the way, you will get $ XXXX in escrow reimbursed. '' We soon got a check from loancare for $ XXXX and another for $ XXXX. We saved the checks for almost a month until we could check to make sure we did n't have to put them in escrow for new loan. I called loancare to ask. She said " no, you may spend them on whatever you like or double your payments. '' We deposited the checks 20 days after we received them. I doubled up on payments of my bills. Then when I checked my bank acct., the check had a stop payment and I was charged a return item fee. Called loancare and they said " we called and left a message for you on XXXX/XXXX/17 not to spend that money as it was a mistake. '' no message, email, nothing. ( This was on XXXX by the way ) the check was issued to us on XXXX, deposited on XXXX and taken out of my bank on XXXX. After speaking to XXXX people telling me it looked like we should have the money in the acct. Finally, " a supervisor '' very quickly found the so called mistake. A customer made an escrow payment and " accidentally '' put my loan number on the check. XXXX When they found the mistake, they stopped payment. They would be glad to pay my overdrafts, but not return the XXXX I had spent, as I was told to do. I threatened suit and they told me I had that right and to go ahead but they would not return the money I was promised, recieved, told to spend and then stripped of from my bank acct. These people are liars and crooks.We never received a note, call or anything regarding this problem. XXXX representative said, " you need to call your first loan servicer! '' I said, " That would be YOU! '' She did n't even know I was a customer of theirs. I told them there was a series of mistakes on their part and none on ours, that we called before we even deposited to make sure we did n't have to put on new loan, not to ask if the money was ours, because we were TOLD we would be getting that money. " XXXX '' the supervisor then asked how I would feel if i had made a mistake and written my wrong loan number and someone else got it. I told her I did n't believe that 's what happened and do n't even try to appeal to my morals as I had done nothing wrong. But that I had overpaid my credit cards and now it would be taken from my job paycheck and I would n't have enough to live on.

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 07-01-2015 about Credit reporting () with LEXISNEXIS (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Original CFPB complaint XXXX was filed against LexisNexis for refusing to freeze my consumer report. I am a victim of ID theft. 
I received correspondence from LexisNexis in the mail my file was frozen. It however appears LexisNexis used a variation of my last name an ID theft used to apply for credit cards in my name. 
How do I know this file frozen file is in fact my file?

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I used Experian 's website to receive a credit report for {$1.00}, but my credit card has now been charged for XXXX months of Experian 's services at {$21.00} per month. I never agreed to obtain a " membership '' to Experian or to pay a monthly service fee for that membership ; I never received any communication from Experian to inform me I would be enrolled as a " member '' and that I should expect to pay a monthly fee of {$21.00} ; and I never saw any information about these pending charges on the Experian website when I obtained my {$1.00} credit report. When I spoke to someone at Experian, she stated that she can only refund my credit card for one month of the billing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2017 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Other fee

Complaint: I have a business credit card with American Express, and an additional card for my husband. The cards say 'American Express Business Platinum XXXX on them. After seeing a number of billboards at our local airport stating that Amex Platinum card holders could enroll in TSA XXXX and have the fees credited, ( and also calling Amex for additional info regarding the program ), my husband and I went to TSA.gov, enrolled, and visited our local TSA assigned center XXXX/XXXX/16 as instructed to complete the process. The fee of {$85.00} was charged to each of our cards and appeared on my XXXX statement. However, the credit for the fees, {$170.00}, did not appear. Today I called Amex to inquire as to when to expect the credit and was told that my card is 'not actually a platinum card ' although it is clearly printed on both of the cards for my account. I am also told that I do n't qualify for the benefit because 'the card is not a platinum card ' ... .although the card actually has the word 'platinum ' printed on it! When asked to explain, customer service stated that 'platinum ' is just the color. My response is that no other card in the line of Amex cards has a COLOR printed on it. I also inquired as to how any account holder would know there is any difference as they are suggesting, to which I was told they do n't know. Ultimately, I was offered {$85.00} to resolve the issue after being told that they were n't sure it would be covered even 'if ' I had a 'platinum ' card because it was from a third party service and we didnt use TSA because the fees were billed as 'XXXX/XXXX '. I actually had to inform customer service that TSA.gov is where the application is processed ( which we did ) and they send you to a local office as fingerprints and interviews ca n't be done online. They take your credit card when you complete the application in person. I declined the {$85.00} as I am adamant that if the benefit applies to cards that are 'platinum ' that they should honor either their commitment or their error. I have been an Amex card holder for almost 20 years. I stated that if they would not do the right thing then I would close my account. I was put on hold, and then sent to the 'cancellation department ' where I was offered {$100.00} to keep my account. I again declined as they are very clearly wrong and I spent at least an hour on the phone attempting to amicably resolve this. They are well aware of what my card looks like, and what it is printed on it. There is even a picture of my card on my account page on their site. It is absolutely ridiculous that they have tried to defend such an egregious mistake. They are guilty of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: I have had issues with my Scottrade Bank account ever since my account was improperly accessed ( hacked ) and Scottrade Bank has refused to investigate the fraud and unauthorized transactions that occurred. 

I 've attempted to go through Scottrade Bank 's internal dispute resolution procedures but, thus far, Scottrade Bank and its compliance department have been enormously rude and failed to acknowledge my dispute or provide instructions on how to remedy the situation. 

For over 6 months, I have been asking Scottrade Bank to provide me with a copy of the arbitration agreement Scottrade Bank says I signed, however, to date, Scottrade Bank has been completely unwilling to discuss the arbitration agreement or how to resolve the situation. 

If I had known that Scottrade 's actions would have been so unhelpful, I would have closed my account a long time ago.

Company response to consumer: Closed
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I was added as an Authorized User to my mothers PNC Bank Credit Card a few years ago. The card was hurting my credit score when I checked a few months ago, so I called PNC 's customer serivce on I believe XXXX XXXX XXXX at XXXX. I asked them to remove me from being an Authorized User which they told me I can not do myself, but that the primary cardholder has to call and do it themselves. It was a bit odd as other credit card banks immediately allowed me to remove myself as an Authorized User without issue. 

I had my mother call PNC customer service on XXXX XXXX XXXX while I was standing near by as she does n't speak english very well. The representative had to get a translator which my mother could not understand what the translator was saying or the representative. I was told that I could also not speak on her behalf even though she was right next to me when I asked that if she would agree to it if that would work. The representative and translator eventually gave up and told me to bring my mother to a branch office instead. She does not want to go to the branch office as the phone conversation with customer service confused her and as she 's filing bankruptcy anyways so she has other concerns. 

I am at a loss of what to do as this card reporting on my credit report has prevented me from being able to even get a secured credit card in an attempt to rebuild my credit. This policy of only allowing the policy cardholder to remove Authorized User seems outdated as it should n't be there in the first place. I felt that this should be brought to the attention of the CFPB and PNC as it could harm other in the sense that if the card is hurting your credit score and you ca n't remove yourself from being an Authorized User. While the policy cardholder be it that they 're XXXX or you 're not in contact with them you should n't be stuck with the bad remarks for a card that is not your responsibility and no other pathway to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ballybunion Enterprises, Inc (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX, XXXX XXXX XXXX reported a hard inquiry on my XXXX Credit Report that I did not authorize. I sent them a certified letter on XXXX, XXXX XXXX to remove the unauthorized Hard Credit Inquiry.  While the unauthorized inquiry is still being reported on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
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: There was money on my card, and I purchased things but the transactions did n't show or approve the amount s in two da ys. I have an app which sends my money to my card but it 's not processing my payments because my transactions from the bank are n't being successful, it still says processing.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, Equifax was breached and my personal information, including Social Security Number,  birthdate, address, and driver 's license number were released to hackers. Because of this I 'm a likely target for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello this Hospital bill was paid back in XXXX. This debt was sent to me with threats we will ruin your credit calls etc. I thought it was a complete scam. All my Hospital bills from my XXXX Hospital visit have been paid. This is a complete scam. I have NO collections aside from this incorrect item for {$1500.00}. They have told me they will delete it for {$500.00}. Why should I pay a bill I have never seen from XXXX in XXXX? There is something very odd and unethical here. I have requested the original bill that outlines this amount and to date not been given the info. Phoenix Finincial is the name of the company. Please look into this as I am a Tax paying American and your company is supposed to investigate these situations. I appreciate your efforts this is the only collection item on my impeccable credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: requested credit report from XXXX on XXXX/XXXX/15 found that chase was reporting negatively on my report as of XXXX/XXXX/15. i am attaching a copy of documentation reflecting timely payments

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Mr. Cooper is refusing to give me a copy of my appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: NAVIENT/XXXX MUST BE DISCHARGED BY XXXX, THE LOAN IS AGED AND THE RATE IS TOO HIGH. I WENT BACK TO COLLEGE FOR HEALTH CARE SERVICES AND NOW MUST BE CANCELLED.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this has been ongoing for several years now. I have reported this company before. They call my house starting at XXXX and continuing till XXXX or later. They have been told by me that the person they are looking for does not live here. 
Company name is Portfolio Recovery. They call from many different numbers. Last 0ne was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD).
Issue: Other transaction problem

Complaint: Money gram company has been unfairly refusing to do business with me. I do n't know the why. I ca n't receive or send money with the company. This has been going on for months. I received money of an amount of {$100.00} from my cousin in Texas. They agents of money gram has been asking many question even thought the company has my information in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Delinquent account

Complaint: I have previously submitted a certified letter on XX/XX/XXXX and XX/XX/2016 which was received and signed for requesting that a dispute be initiated for a Chase account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is incomplete and inaccurate. The following is a list of incomplete inaccurate or information contained in Chase account XXXX

Company response to consumer: Closed with explanation