milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2017 about Credit card () with Garner & Conner, PLLC (TN).
Issue: Other

Complaint: When I received my pay check on XX/XX/XXXX there was a garnishment so I called my payroll department to find out where it came from and how much it was for and the only information they could provide me with was to contact the general session court and provided me with a phone number to call. I called and was told it was from XX/XX/XXXX and was told I could contact XXXX so I called XXXX and the rep stated she could not help me and I needed to contact Garner and Conner so I called Garner and Conner and spoke with someone name XXXX and I asked her what this was pertaining to and at first she stated it was XXXX and XXXX and XXXX and that there was several things on there and I told her there was no way that XXXX and XXXX could be on there as I currently have XXXX and my vehicle is paid for that was financed through XXXX and she then asked if she place me on hold while she researched the account and then she stated it was for XXXX/XXXX. I asked her what was the original amount of this so called loan/credit card as I have never taken out a loan with this bank and said she did not know what the original amount was but stated they received a judgement in the amount of {$12000.00} back in XX/XX/XXXX. She went on to tell me that they had re-filled the garnishment 6 months later as they had not received a payment but stated that they received a garnishment in the amount of {$87.00} on XX/XX/XXXX, she stated that I made two {$50.00} payments via money orders in XX/XX/XXXX and that I had paid a total of {$3200.00} and I asked her how could that be if I only made 2 {$50.00} payments plus the one garnishment for {$87.00} plus the one the just took for {$330.00} clearly that does n't equal out to be {$3200.00}. XXXX stated that I had faxed them a copy of my pay stub and car payment and a medical bill as well as my cable bill back in XX/XX/XXXX and had agreed to pay {$50.00} a month. I think that something needs to be done about all of these debt collection agency 's that go around buying up old debts and harassing consumers over time barred debts and on top of it can not even provide you with the original amount needless to say I thought you can not be sued on a time barred debt. Something needs to be done to protect the consumer especially when they go in and obtain a garnishment on a time barred debt. I would like my money returned and the garnishment STOPPED!! Otherwise I will have to seek the advise of an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Final Notice : I am unaware of the inquiries, I have hired an investigator to look over this incident and it appears that after my investigation your company is in violation of sections 609 608 611 in The Fair Credit Act. Also you are falsely acting as the consumer placing false information on my credit report without contacting me or getting my consent. I advised you to stop repeatedly and the inaccurate information remains on my credit report. I have filed a lawsuit with all three credit bureaus and look to settle this matter in court. When you are found guilty I am suing for {$30000.00} in damages for each credit bureau Equifax, Experian, TransUnion. I am not looking to withhold this legal issue unless the inaccuracies are removed within 24 hours. I have record of previous certified letters sent several times this week, along with every copy of credit reports showing falsely XXXX XXXX codes generated by a computer and not a human I am aware of the obsolete bs along with the scams that you guys play with people. I refuse to become a statistic please remove the inaccuracies immediately. Look in the attachments below to see your inaccuracies. If for any reasons you attempt to send me any credit reports with verified inaccuracies I will personally file a second law suit against your companies for the inaccuracies, violations in The Fair Credit Act, XXXX, using and placing errors on my credit report that dont belong to me and using my name using bogus print & signature claiming to be me without my consent and lastly remove all fraud alerts today. I will be calling in on XXXX, XXXX and it have better been removed by midnight eastern standard time. I will call to check if the inaccuracies listed below and the fraud alerts are removed permanently. If you attempt continue to place pass or future inaccurate errors, fraud alerts, on my credit file you will pay multiple consequences. I am willing to take you to court every time. You have been placing fraud alerts on my credit without my consent as well. Please be advised that this is my final goodwill letter. You have been a pain in the rear end.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Credit card) with Sessoms & Rogers, P.A. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: judgment was filed for a credit card debt of XXXX of which XXXX is late charges. Payment could not be made in XXXX when economy tanked and consumer was laid off for XXXX years. I have paid {$2100.00} and have the money order receipts for these payments 0f XXXX dollars for the past 3.4 years. I called to settle this debt and was told it would be based on my current income and Sessions and Rogers wanted to go overall of that on the phone. XXXX charged this account off but is still reporting on my credit. I called XXXX and they can not give me any information because the account was sold. Sessions and Rogers say they do n't report to the credit bureau. I feel like I have paid my dues on this account. We are having lay offs at my company and I want to settle this account as paid with no further payments. I cant get any straight answers. Sessions and Rogers filed a notice of right to have exemptions designated and I completed this to show I had XXXX assets at the time. They still sent the sherriff with a notice demanding payment with court fees attached which appears to have been an unfair and deceptive practice of harassment. I would like to have this judgment released. Enough is enough. I have not missed a payment in XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: In XX/XX/XXXX I asked a company how they got my personal information and they told me Experian sold my information to them even though I completed a 5 year opt-out form in XX/XX/XXXX. I also completed a permanent opt-out form at the beginning of XX/XX/XXXX. After I heard Experian was selling my information, I completed another opt-out form in XX/XX/XXXX and sent a copy to Experian with a certified letter. I completed three ( 3 ) opt-out forms from XX/XX/XXXX-XX/XX/XXXX and they are still selling my information. In the certified letter I sent them I informed them again that they should not be giving out and/or selling my information to anyone since I am supposed to be on the opt-out lists. In addition to sending the opt-out form to Experian, I also made it very clear in my certified letter that I wanted my name, address, and social security on their permanent opt-out list. In XX/XX/XXXX I asked another company how they got my information and they told me Experian sold them my personal information even though I have already completed three ( 3 ) opt-out forms. I received my Experian credit report in XX/XX/XXXX and they still do not have my credit file marked as " opt-out '' and they are still selling my information which violates my rights under the FCRA. I want Experian to mark my credit file as " Opt-Out '' and I do not want them giving out and/or selling my information to anyone.

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 03/24/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other fee

Complaint: I am currently paying a {$120.00} annual fee for the Chase Sapphire Preferred Card, which is one of my favorite credit card products. Today, I found out my friends, who signed up for the same card during the same time as I did, is paying {$95.00} in annual fee. The company advised me that the Credit Card companies posts test links in the market to test a price plan. I, unfortunately, was targeted with a higher cost fee and the Customer Service Rep advised that he has seen a fee as high as {$150.00}. I advised that this does n't sound fair to me, considering the card has the same benefit as the Chase Sapphire Preferred that charges {$95.00} annual fee. This is very misleading to to consumers and I am concerned that it is targeting the audience unfairly. How many other consumers are they targeting at un-equal prices? Please advise. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: ignoring complaints, giving inaccurate information, incorrectly processing payments and steering borrowers to higher-cost repayment plans.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Me and my brother are twin brothers with similar names, my name is XXXX XXXX XXXX and his is XXXX XXXX XXXX and we have similar social security numbers. We have lived together in the past so we have had the same addresses. Our credit information is mixed up with his information on my credit and his social on my XXXX when theyve checked my credit. Ive fixed it in the past and now it is all mixed up again and are unable to locate my XXXX report because of the mix up. TransUnion gives an error code and is not reporting accurate accounts on my credit.

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 12/15/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: I have a business account with Bank of America and as I was reviewing my account on line I realized that some company debited my account 3 times for a total of {$590.00} from my account with out my authorization. I called B o A and file a claim, and received a temp. credit for {$590.00}. Now B of A is sending me a letter telling me that they have made the decision of charging me back the {$590.00} because the charges are valid. I called two weeks ago and requested to speak with some one regarding this issue. I told them that I never authorized those charges. Today I received a second letter telling me that again they are charging back the {$590.00}. I requested again to speak with some one and I was told that some one may call me back but that it was not for sure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: In XX/XX/XXXX I signed up with a credit monitoring system called XXXX XXXX XXXX. I was able to generate my credit score that month, but the following month XX/XX/XXXX my credit score said unavailable. My card was still being charged so I know it was n't anything on my end. I then called XXXX XXXX XXXX and voiced my concern about the matter. One representative was not sure why that was happening, so she put me on the line with someone higher in rank. That representative told me that my score was going to be back up XX/XX/XXXX. XX/XX/XXXX came and I still did not have a credit score.  I then called the three Credit bureaus, XXXX, XXXX, and Experian to make them aware as well of the issue. They also could not give me a reason why my credit score was and is not available. It is now XX/XX/XXXX, and I currently still do not have a credit score on the Credit Monitoring system, XXXX  XXXX XXXX. XXXX XXXX XXXX, is certain that my score is not available because one the three credit monitoring systems are not generating a score for me. No one that I have spoken with, with either credit monitoring system have given me a reason why i am unable to see my score.

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
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 noticed recently on a credit report included with my apartment application that in XXXX 2017, there was a hard inquiry for an auto loan by CHASE. I called chase and they said there were no records of any auto loan application in their records and so there should not have been a hard inquiry. They did not want to update XXXX because they said that since there were no records on file, I would have to call XXXX  directly. On XX/XX/XXXX, I called XXXX to dispute this, and they refused to dispute it or to investigate or to call Chase. I explained I did already and that they needed me to call experian to dispute and when they dispute, they 'll remove it because there are no records. He said no, I have to call Chase again. After this long argument about how he could not and would not investigate, I called chase auto back. He again confirmed there was no application process started and that a hard inquiry should not have been processed over a simple question and without my permission. he expressed that chase takes these matter very seriously and will have someone call me back in 24 hrs. I did not receive a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MN).
Issue: Managing, opening, or closing account

Complaint: My account was blocked during the system outage and I had been without access to my money for almost 2 weeks. When I finally was able to get " help '' I was told that I needed a new card issued and it would take 7-10 business days to get my card or I could have it expedited for a {$30.00} fee. I had no other choice but expedited shipping due to needing to pay my electric bill by the end of the month. So now I am not only behind on bills, but now I am also out an extra {$30.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2017 about Money transfer, virtual currency, or money service (Money order) with WESTERN UNION COMPANY, THE (GA).
Issue: Lost or stolen money order

Complaint: I am a XXXX combat veteran and on XXXX XXXX, XXXX I purchased two Western Union money orders At the XXXX XXXX in XXXX, GA. to pay my rent. One was for & XXXX and one was for {$550.00}. I mailed them that day at the US Post Office in XXXX, GA. My landlord telephoned me two weeks later to tell me he never received the letter with the money orders. I called the Western Union customer service number to immediately stop payment but the customer service number is strictly an automated system with no recourse to speak to a live person about dealing with the immediate situation. I was desperate to stop payment on the money orders as they were either lost or stolen. The automated instructions were to filed a Money Order Customer Request which takes six to eight weeks. I sought the help of a consumer help advocate in XXXX who dug up a Western Union fraud phone number But when I called them the person said there was nothing they could do to stop payment and I would have to fill out the form and wait up to eight weeks for payment to be stopped on the lost or stolen money orders. only then would a stop payment be issued and only if the money orders had not been cashed. If someone had stolen them and cashed them then I wold have to file a report with the local police to try and get my money back. I tried to explain that I am a XXXX XXXX from combat XXXX and live on a small medical stipend and that I could lose my rental house if I did not pay soon. The person said sorry and hung up on me. On XXXX XXXX I faxed and sent a " Money Order Customer Request '' for to Western Union. This was the worst case of " no '' customer service I have evr experience. There was absolutely no compassion or desire to help and most shockingly, no concern about the fraud of the stolen or lost money order. They already had my money and now it was my problem. How can this company operate in the US without some accountability to the public? 
Thanks for any help you can give. I am frustrated that there is nothing else I can do from my side. I may lose my place to live if I can not resoleve this quckly.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Deposits and withdrawals

Complaint: My Complaint is against Citibank. I am an XXXX ( XXXX ) from XXXX, where I usually live. I keep travelling all the time, to various ( around XXXX ) Countries, giving XXXX. During XXXX such trip to the US during XXXX, I opened a Checking .Account and Savings Account with about {$500.00} and {$1400.00} respectively, with Citibank in XXXX XXXX ( XXXX XXXX XXXX ) XXXX. I was told, it is a FREE Checking Account and there were no charges, whatsoever. I did not operate these accounts for about the last 7 Years or so. 
During my current visit to the US, I was shocked to see that my accounts were almost wiped out clean, but for the {$200.00} remaining, which I hastened to withdraw. I got furious and took up the matter with the Branch Officials. But they say that they transferred all this money from my Savings to Checking, as some Bank Charges. Surprisingly, I never got any notices in this connection. Besides, my account online banking Log in was XXXX after about an year or so of opening the account. Further, since the Accounts have been in a dormant and non - operative condition, they should have kept them in a separate portfolio, as Banks in my Country and various other Countries I travel to, are known to do. Instead of doing any of these standard Banking practices, Citibank chose to conveniently siphon off the funds from my accounts, which is very shocking to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2016 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Deposits and withdrawals

Complaint: Saturday, XX/XX/2016 at XXXX, on my way to work - after paying off a credit card, I decided although I felt a little worried about it, to deposit l large amount of money via USbank ATM machine. My total was approx. {$1900.00}. After sticking in my ATM card, plugging in my pin, gathering my faced cash, and depositing into machine- I sat there while the ATM processed my transaction for about half a minute. I knew something was wrong because it never usually takes that long- regardless of amount. Suddenly, without all of its usual prompts ( would you like to make another transaction? A detailed summary of a break down of the bills ), the machine spits out my card and approx. {$100.00}. Hoping the other {$1800.00} got counted into my account, I put my card back in. NOTHING! I deposited the {$100.00} and thought maybe, just maybe the ATM would register the other part of my transaction, but no. 

What is sad is that this machine has ripped me off for XXXX bucks without my knowing once before. I did n't notice, but received an apology letter on behalf of USBANK. And again, for {$40.00}, which I had disputed, but never persued. But this is intense, this is n't just pocket money. I used XXXX, {$100.00} bills, XXXX {$20.00}, XXXX {$5.00}, XXXX $ XXXX. I thought that because maybe if there was n't an array of various cash, that it would be okay. My deposits are usually chaotic, different bills, in no order. I was sure that facing, putting them in order, and straight would get it right. 

I could n't be more wrong. 

I immediately called their customer service to file a dispute. I spent an hour on the phone with a representative ( XXXX minutes into my work shift!!!! ). 

I 'm filing a complaint because this is the THIRD time this machine has miscounted and malfunctioned. This is obviously my last time using a machine for an " easy, on the go '' Deposit. Today, Monday XX/XX/XXXX, I was at the USBANK right at XXXX when they opened. I spoke with a manger about it. He had ZERO regard that my account is about to overdraw, checks are about to bounce, and it 's ALL BECAUSE OF THEIR MACHINE. Like I said, this was n't pocket change. It 's {$1800.00}!!!

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 monetary relief