milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2016 about Other financial service (Money order) with JPMORGAN CHASE & CO. (NY).
Issue: Lost or stolen money order

Complaint: My husband and I sent 2 US postal service money for a payment to the XXXX in the amounts {$350.00} and {$200.00}. 
The checks never got there. 
Someone intercepted the money orders, re-wrote the information with his name and cashed it. He deposited it in a Chase bank account. 
US postal services money order inquiry gave me the information ( PS form XXXX ). 
Nobody wants to take responsibility for my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There ar e   XXXX   a ccounts left with Central Financial Control.  XXXX  for  XXXX  and   XXXX  f or  XXXX .     I was in the hospital   XXXX   XXXX   to my eldest son when these debts would have occurred. Being a  military  wife, and my son being the son of  a service member,  was covered under  XXXX . I was admitted under emergency circumstances and did not know the   XXXX   information. My husband had to get off work ( still in his  military uniform )  to come to the hospital. It was clear we were  military and  were not ask for our billing information again until we left, which we left our  XXXX  information with the lady that came in as we were packing up to leave.     We never received a bill from the hospital.     When I contacted Central Financial Control about a bill for {$1000 .00} ( approx ), it was   deleted. BUT the company NEVER said why in the letter. I had to call to which a representative spent abo ut 15 minute s having to read to find out why.     It was deleted because NO ONE ATTEMPTED TO SUBMIT TO MY INSURANCE.     I thought ok, well it is now almost 6 years past the time and I can not resubmit as my husband is now no longer  XXXX   XXXX , that should mean the oth er   XXXX   accou nts ( {$70.00} and {$8200. 00} ) should bot h also be deleted.     I got a letter back today stating that I still owe and that no informatoin was provided. It w as a military town,  every nurse in my  XXXX  room saw my husband and I have photos to prove it. I have NO PROBLEM sending my husband  's military records to prove we had insurance at the time.      Furthermore, i f one bill had never been attempted to be submitted, why would the other   XXXX   have been?      It is not my fault if the billing agent at the time of my discharge did not file the paperwork my husband filled out and thus properly charged  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with HireRight Solutions, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint: Missing employment info. I have copies of employment history with a  XXXX  company that does not reflect on consumet report. Also company that previously requested this info from this consumer reporting agency provided me a copy of the report with my employment background stated on report but now this info no longer showing 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 explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My Current Balance is incorrect. 
My account reads : Last Satement Balance as of XXXX XXXX, 2017 = {$1500.00} Recent Transactions = {$1.00} Recent Payments and Credits = - {$0.00} Current Balance = {$1600.00} Please do the math and notice that XXXX + XXXX does NOT equal XXXX Please correct.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have credit inquiries from Equifax and XXXX that are fraud. I had a similar problem earlier this year each bureau should have a police report and fraud affidavit on file the following were not made by me. These are all Fraud. 
1.XXXX XXXX 2 . XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX Report date : XXXX XXXX, 2017 This address has pertained to a business : XXXX XXXX XXXX XXXX CA XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX. 
False and if so, someone else has opened this business. 
Also all delinquent accounts pertaining to my credit is from hospitals or medical providers that did absolutely nothing to help me with my condition? Might be a civil matter do n't know if you can do anything about that.

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NICHOLAS FINANCIAL INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized credit inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: OnXX/XX/XXXX, I submitted an electronic request to TransUnion for investigation into file number XXXX - an account which I have no knowledge of. I received a response that there was an error in the investigation and that if I received an error, I should submit a request for investigation in writing. 

On XX/XX/XXXX, I submitted a request in writing for review of this file. Instead of sending an investigation response to me, they responded with a copy of my credit report. 

I believe TransUnion is intentionally failing to investigate this account because they know it to be incorrect.

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 02/28/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I opened checking account with Citibank minimum balance of {$15000.00}. This was in XXXX of XXXX. I opened the account due to a promotion of {$400.00} for opening account with {$15000.00}. I was told I would receive bonus in XXXX of XXXX. My opening balance was specifically chosen to meet this promotion. 

I called multiple times to confirm this and spoke to MSUP XXXX in fall of XXXX. As of XX/XX/XXXX, I have still not received the bonus. I received note that the required balance is now {$25000.00}. This was after multiple phone calls. I think Citibank is engaging in fraud and scamming consumers to open accounts and then never giving bonus.

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 02/23/2017 about Debt collection (Medical) with Meade & Associates, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This amount claimed that I owe was paid off in FULL in 2014 in CASH. I would have kept a receipt had I known that the front desk from XXXX would just pocket the money, but they claimed my account was free and clear and had no issues until I noticed it showing up on my credit report. I have since made contact with XXXX and now they claim they do not know what I am talking about yet they removed the debt from my husbands account, which is a joint account that this credit was done in, as well as from my XXXX report. However, XXXX refuses to remove this from my debt. I haven been fighting for the past couple years to get this resolved as it is affecting my credit and is not a debt I owe. I want it removed and honestly would like those involved for stealing the money paid on that account to be held accountable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax lost my personal/credit information to a cyber attack.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (I do not know) with BTH Management (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Plaza Services - Failure to provide proof of alleged debt. I was not properly notified of an alleged debt that Plaza Service was reporting as an " open unpaid {$280.00} collection '' on my credit report. On XX/XX/XXXX is when I received a copy of my credit report and noticed this alleged debt. When I did see the {$280.00} reported by Plaza Services on my credit report I immediately took action. I sent a letter via mail contacting Plaza Services on XXXX XXXX 2017 asking them to verify the alleged debt. In the letter I also stated if the debt was legit and I truly owed {$280.00}, I would pay Plaza Services in full for a complete deletion from all three credit reporting agencies. I have yet to receive any written proof of this debt as of X/XX/17. I have given Plaza services more than enough time to respond, and provide me with proof of the alleged debt.

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 01-06-2017 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A total of XXXX ( XXXX ) times in XX/XX/2016, fraudulent applications were attempted at Synchrony Bank using my information. Most recently, I received both a letter dated XX/XX/2016, and a phone call near the same date, from XXXX. Both assured me that my personal information had been placed in their internal fraud file. Yet, I received another fraudulent Synchrony Bank application alert from XXXX on XX/XX/2016, the same day as the letter from Synchrony, and also a form letter from Synchrony Bank dated XX/XX/XXXX, stating that another application was run. XXXX attached. Only because I placed a hard freeze on my credit reports, did this latest XXXX fifth ) attempt at XXXX, stop short of placing yet another fraudulent inquiry onto my credit. If Synchrony did indeed place an internal fraud alert for me, HOW DID THIS APPLICATION REACH THE POINT AT WHICH AN ATTEMPT WAS MADE TO PULL MY CREDIT REPORT YET AGAIN?!? THIS WAS THE FIFTH ( XXXX ) ATTEMPTED FRAUD AT SYNCHRONY IN XX/XX/2016, and I had XXXX attempts at any other financial institution. CLEARLY IT IS SYNCHRONY THAT LACKS SUFFICIENT SAFEGUARDS AGAINST FRAUD, even long after they have been made aware of this chronic issue. Again, not a single attempt has occurred at ANY OTHER FINANCIAL INSTITUTION. It is long past time for XXXX to start using legitimate and effective fraud prevention systems.

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 04/18/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a letter from XXXX consumer services of an agreement from XXXX for a modification on my Home Equity loan dated XX/XX/XXXX. The modification was for 2.00 % fixed for 240 months. Recently XXXX sold my loan to SLS ( Specialized Loan Servicing ) SLS is stating that my interest rate was 2.00 % and now going to 3.25 % because it 's a variable interest rate. I was under the impression that i had a loan modification for 2.00 % fixed for 240 months. Can you look into this for me or let me know another contact? My contact previously was XXXX XXXX XXXX PH : XXXX and i 'm not sure if he 's still at XXXX. I also have a case number from Consumer Financial Protection Bureau ( CFPB ) case # XXXX that was in a letter sent to me by XXXX XXXX. SLS has also not explained why the interest rate has moved up from 2.00 % as the prime rate has n't changed for a few years and it 's still 3.25 % according to XXXX XXXX XXXX prime rate By XXXX as of XX/XX/XXXX. I 've been paying at 2.00 % interest for years with XXXX before they sold my equity loan to SLS. I 've contacted XXXX and SLS with no resolution. My last contact at XXXX was on XXXX XXXX XXXXXXXXXXXX. Workflow Supervisor Lending Services-default Management XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX ( office ). He emailed me stating that he would send the settlement information from XXXX to SLS, in case SLS misplaced the modification. I asked for a signed copy of it and have n't got a response from him. SLS customer service number is : XXXX. Left message and they have n't got back to me either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: Using a debit or ATM card

Complaint: I recently had fraudulent activity with one of my checking accounts. Unauthorized use of the debit card was tracked to Florida. USAA Customer Service stated that the unauthorized user called and obtained information to access my online account. With information, provided by Customer Service, the unauthorized user accessed my online account and transferred the entirety of joint checking and joint savings to my personal checking account. While in my online account, the unauthorized user changed the withdraw limit and PIN number before withdrawing the entirety of my account balance via my personal checking from an ATM in Florida. It only took USAA about a week to return the funds, but now I have been locked out of my account since. They keep transferring me from one department to another, dropping my calls and every time this happens you have to start the whole phone call process over again. Now every time I call they tell me that a Escalation team member will have to call me back in XXXX hours to verify my identity. I have yet to have a call back and it has been about 3 weeks now that this mess has been going on with no resolution. I need access restored to my accounts immediately. I have late fee 's, over drafts, bills to pay, and a mortgage. I do n't know what else to do. This is causing XXXX on a XXXX veteran. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Billing disputes

Complaint: returned a camera light that did n't work. vendor denies receiving unit. disputed the charge. card company requested proof of delivery from me & i sent date/time stamped tracking report from USPS showing fr.door/porch delivery 4 days after i sent it. now they are still not wanting to complete refunding my {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been going back and forth with Experian the past year trying to get my report fixed and reading correctly. I am finally satisfied and when I spoke to a loan officer found they had a notation that I " disputed '' several accounts. I wrote them AGAIN and asked them to fix that, I clearly wrote I do not dispute the accounts. They responded by sending me a letter saying what I sent them was suspicious. What are they talking about? Why is every time I deal with these people like pulling teeth??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently pulled my credit report to search for inaccuracies. After searching and finding inaccurate information, I contacted Equifax and spoke to a XXXX REP about my concerns. She stated that the inquiries were deleted and that I will receive an email with my results. I also received a confirmation number. I checked my credit report days later to see those inquiries added back to my credit report which is a violation, because I was n't notified prior to them being added back on. I contacted Equifax and asked that they removed the inquiries that were illegally added back on. These inquiries are adding a hardship to my credit report and my rights were violated. I ask that you make Equifax stop victimizing me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: On  XXXX    differtent ocassions the bank mngr.  XXXX   XXXX  acted in avery unprofessional manner and tried, without my permission to have me talk to his investmenet person.Then when I filed a complaint against him I got a rude and threatening call from his supervisor,  XXXX   XXXX  threatening to close my account at once and to mail me back my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Debt collection (Medical) with Allied Collection Services, Inc. (Nevada) (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This was a medical expense for an expensive procedure that was eventually covered in full by my insurance. At first my insurance only covered the expense as out of network, but I filed an appeal and eventually got my insurance to cover the entire expense as in-network. The appeal process took a long time, but all the while I called XXXX the doctors office XXXX and the debt collector ( Allied Collection Services ) several times to inform them they will likely be paid by the insurance company, not me. I provided them with documents proving my claim was still under review by my insurance. They would n't even take them from me. 

The debt collectors response was to threaten me with over {$700.00} in legal fees and interest. They also threatened to report me to the credit agencies. In order to " avoid all of this '' they forced me to sign a Promissory Note for the debt that was still in dispute. Before I signed I added notes to the side of the Promissory Note saying they will not do any of the above if and when they are paid by insurance. ( see attached ). They obviously ignored that, as even after my insurance has paid in full they reported " my debt '' to the credit agencies as unpaid. 

I have forgotten bills before, and I have had the unfortunate experience of dealing with debt collectors before. However, I have to say this debt collector was absolutely horrible to work with. Their tactics are horrible, they care nothing of the circumstances of the debt in question, and do not hesitate to threaten all kinds of actions against you. Also, when you call or visit them they transfer you from person to person each without enough experience/authority to do anything other than repeat the above threats.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account was put on my credit report twice after it was removed. i called the credit bureaus and they aid it looked like the account number was changed and dates that it was opened was different as well. So I opened up an investigation on those accounts. and they are reporting as closed now and paid but they are not suppose to be on my report at all. Also XXXX XXXX. I have reached out to them numerous times in regards to some medical collections that is on my report. Those accounts were paid to the original creditor which was XXXX XXXX by XXXX I 've asked for this account to be looked into and removed off my report but its like they are not going into it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Other financial service (Check cashing) with Fidelity National Information Services, Inc. (FNIS) (MS).
Issue: Disclosures

Complaint: I went to XXXX in XXXX MS to cash my check my check was declined. I have been cashing the same check at XXXX for the past 5 years. I was given a code from Certegy I called their customer service they would not give me a reason but rambled on with different things but it was not specific on the reason. Certegy displays discriminatory evaluating a client when a person is cashing a check and has created a bad customer service for the XXXX Consumer. As of today 's date I have no idea for the decline and they would not tell me and verify the reason why. A few months ago I resolved a check that they said they would delete the check from their system as of today 's date it is still showing in the system as a bad debt and even though they deleted it from other agencies they are still having the same check in their system as not resolved and a bad check. They had already advised they were deleting the check and mark it as a paid and closed account but now they are alerting other check cashing agencies the same information and not deleting the check as agreed.

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