milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: i have disputed an item on experian for over a year, experian keeps on responding verified, updated etc. in fact they are reporting an item named XXXX XXXX which they report as transferred and sold to a comply called XXXX XXXX XXXX which i was unable to locate and is not registered with any agency as a valid legal collection or debt buyer, 1 ) XXXX never verified this account, to Experian, Experian is using old and outdated info on this item. 
2 ) i also sent a request to XXXX where they failed to validate this item. 
3 ) Experian refused to re-investigate the item which is a violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery Associates are attempting to collect on a debt that i do not own. They have continually called my home phone and my place of employment to attempt to collect on this debt. they have not provided any proof this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian Report # XXXX Date XX/XX/2018 There has error regarding with address on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX is not correct due to it has no number and not my address the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I hav  e had 3 major problems in the last 24 hours with US BANK. My husband scheduled a transfer to ( from his US bank account ) my US bank account which was suppose to take 3 days ... here we are 4 days later the transfer failed ( no apparent reason that US BANK could provide and not the 1st time this has happened ). Secondly, I set up a concurrent transfer to take place from my checking to my saving and though its an eternal account and the bank can obviously see the funds are not available they transfer the funds anyways leaving my account over drawn which leads to bills being upaid.
My last and most conerning complaint is that when I send my son in to make a cash deposit he is turned away. I called and spoke wih  XXXX . Who tells me this is the LAW from the Federal Bureau not a Bank Policy a  nd that  XXXX  does it all the time. Being an account holder at  XXXX  I do know this is true but I also know they sent information to the consumers regarding the new policy. I reminded her that it is a policy at  XXXX  and I knew of no law stating this. She went on to accuse me of laundering money and said it wasnt their policy but law though she could not state which it was.  I called the Federal Bureau who confirmed its policies by banks not the FB law. I then called their customer service # who also stated its not their policy and that every branch has their own rules but no where in their policy does it state that they can not take the cash deposit from a non account holder. I find it super alarming that each branch can make up its owm rules on the spot based on who the manager is. It needs to be a policy or not and followed throughout the entire corporation.

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 11/14/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: My debit card information was stolen and used to make a relatively large purchase at XXXX XXXX XXXX in XXXX XXXX. The thief made a purchase of {$2400.00} on XXXX XXXX, 2016 between the hours of XXXX and XXXX. Chase fraud prevention notified me of this charge. I have already made a claim with Chase and closed all of my accounts. Chase has denied my claim even though there is overwhelming evidence that proves this is fraud. I contacted the XXXX in XXXX XXXX to find more information on tracking this thief down. They notified me that I must first file a police report, which I did. XXXX XXXX PD has approved this report and assigned a permanent case number. I have also given all of my info to the XXXX in XXXX park to help track this person down. I just want my own money that I earned back, chase is making this extremely difficult and is not not trying to resolve the issue at all. They refuse to reimburse me and told me I was on my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-09-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX COUNTY RECRef : XXXXXX/XX/XXXX Federal Tax Lien - Filed XXXX CO RECRef : XXXXXX/XX/XXXX Federal Tax Lien - Released The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.

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 01/30/2018 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (VA).
Issue: Struggling to pay your loan

Complaint: Want to pay loan but company interest rate is really high over 31 percent and it will take forever to pay off

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Based on all the news about the lawsuits against Navient, I 'd thought I 'd make a formal complaint that seems to be in line with the lawsuits. I 'm actually speaking on behalf of my wife, but I 've thought for years the way Navient collects and distributes my wife 's payments to her loans has been suspect. I believe they have falsely or deliberately delayed the payment we sent a day later in order to accrue an extra day 's worth of interest when I send two payments on the same day ( one payment being for what is owed via the IBR plan and additional payment to decrease the principal ), they never both hit the loan on the same day. I 'm sure there 's other issues I 'm missing too, but we have been trying to pay more than what the plan calls for to try to pay off the loan faster, and it never seems to make any dent in the total loan amount. This would most definitely be the case if Navient is indeed trying to swindle us and not credit our payments to them in timely and ethical matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Unsolicited issuance of credit card

Complaint: Received notice that Chase Bank is ending their relationship with XXXX on XXXX XXXX, 2015 so my XXXX XXXX XXXX XXXX will no longer be in effect after that date. They will be opening a brand new ( different ) Chase Freedom Visa Signature credit card account. I called on XXXX XXXX and then again on XXXX XXXX to speak with a supervisor, XXXX XXXX. In both conversations I got the same story. I could not just let the old card expire and request that a new account not be opened. I either had to wait for the new card and then call to cancel the new account or cancel the current account to stop the new XXXX from being opened. As part of the XXXX XXXX conversation, I opted for the latter option. Either way, I 've been put in a position of negatively affecting my credit score by having to voluntarily cancel an account. 

How is this fair? I thought part of the Act was to prevent credit card companies opening unasked for accounts - I guess their lawyers found a loophole for so-called " existing '' customers? This stinks!

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: We received a wage garnishment for a debt outside of the statue of limitations, they were unable to provide any verification of debt or proof of serving paperwork for the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: SETERUS took over my loan last year. It has been an awful transition from day XXXX. I have sent payments that they confirm receipt of, only to find that they process them late.. which caused late fees on my bank accounts and at the company. They made corrections after proving to them that more than enough funds were available at the time of their confirmation of receipt of payments. They corrected themselves by waiving late fees that they applied after they reviewed my documentation. These forms include bank statements and notifications. Now I have had some serious changes with my finances, resulting in me having to ask for a modification. I have submitted all required documentation via XXXX ways which include through fax, through email and through regular XXXX mail. I have not heard anything and it has been over 45 days since those forms were sent. My entire family lives in the home and needless to say I am NOT comfortable not being able to pay the mounting balance that is occurring. I am saving all that I can and paying the utilities. I am unable to log into my SETERUS account online, because the site is down. Their customer service is not open on weekends, which is when I am able to contact them mostly.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Deposits and withdrawals

Complaint: I have been a Bank of America customer for 3 years with a small business account, recently I moved from XXXX to XXXX. I met a women from XXXX also and become very close to her. I went out of town and trusted her with my account number to deposit money into my account from a work booking that I asked her to take care of. The time I went out of town I was very busy moving around and preparing for my permanent move to XXXX. I checked my account but did not do a through check for any errors just to make sure some money was deposited from work, once I returned to XXXX about two weeks later XXXX $ was reversed from my bank account. I called and tried to contact the women whom was my friend had dissaperead, she blocked me from social media, she had moved from her apartment and I could not contact her.. Continuing on about a month later XXXX $ had been reversed from my bank account causing it to overdraft, I could not understand why so I immediately went to a banking center. I filed a claim at the bank over the phone and filed a police report for fraud naming this women as the person of interest. After a week goes by I finally get some type of answer from a Bank of America associate explaining what had happened, someone posing as me stole my information and filed a claim stating they deposited money into my account gotten a temp credit and immediately with drew it. I did not file this claim nor do any of this. My information was stolen and fradulant activity was done and I am being held accountable for it. This has been a nightmare and it seems as if the bank does not even care they have not fixed the issue and has denied my claim.

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 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with MERCANTILE ADJUSTMENT BUREAU, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX I transferred my business and closed my utility account at my then business premises. I am now surprised to find that XXXX NY is reporting a past due balance for XX/XX/XXXX. this information is incorrect and its entry is causing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Medical) with Reliant Capital Solutions, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted by phone, when I returned call to XXXX XXXX ext XXXX. She stated it was a debt for XXXX XXXX XXXX, I stated we just paid {$67.00} towards it and owe XXXX XXXX dollars, could I have information about this debt? XXXX the stated " Well XXXX we 'll just ruin your credit! '' then she hung up me. 
I am a XXXX year old XXXX and this is n't my first medical bill. 
These people should be ashamed and not allowed to harass people, what if I was elderly, and she talked to me this way? 
This company needs to be reprimanded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2017 about Vehicle loan or lease (Loan) with FIFTH THIRD FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I have an auto installment loan with Fifth Third Bank in XXXX, Ohio, which is due on the XXXX of each month. I ALWAYS pay this payment on the XXXX of each month. I have never once made a late payment on this account. Additionally, I have two separate credit cards which have bills due on the XXXX of each month also, whose mailing addresses are also in XXXX. Miraculously, the checks for these bills are always cashed on time ( before the XXXX ) and always make it to their destination within three or four days, but inexplicablythe payment for Fifth Third often does n't. Is it possible the U.S. Postal system takes extra long to get to Fifth Third in the SAME CITY as my other two payments sent at the same time? I do n't think so ...
Four or five times this year alone, Fifth Third Bank has changed me late fees in the amount of {$83.00} each time. Not only is that an outrageous amount for a late fee, my payment were NOT late!
Fifth Third has a habit of doing this. There are even a few Internet websites and blogs dedicated to consumer complaints about Fifth Third Bank. Their over-charging and erroneous assessment of late fees is a major complaint. Please feel free to look yourself ( see attached documents ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2016 about Credit card () with NAVY FEDERAL CREDIT UNION (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Discovered fraudulent activity on our Navy Federal Credit Union sponsored XXXX on XXXX and XXXX XXXX 2015 for {$30.00} and {$5.00}. 
Reported the same to Navy Federal Credit Union who advised additional fraudulent charges of $ XXXX not present on our online account access. 
Although Navy Federal Credit Union cancelled the card immediately, they could not provide why additional fraudulent charges were not visible via our online account access. 
We are unsure of the amount of loss if any however believe Navy Federal Credit Union needs to provide all transactions on credit cards they sponsor in accordance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Midland funding is on my credit report, I have no knowledge of this company or debit they are attempting to collect. I have disputed with the credit bureaus 2 times and requested a signed copy of the contract with midland funding and they have never provided proof. They have called me numerous times and have called my parents house as well. I want this deleted from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX out of XXXX, Oklahoma has been incorrectly reporting the status of my mortgage with them for at least 6 years. I have attempted, on numerous occasions to get this corrected, to no avail. 

On XXXX XXXX, 2015 I submitted complaint number XXXX to the Consumer Financial Protection Bureau, as a Mortgage complaint. I was then advised to submit another complaint under credit reporting. 

Case number XXXX was forwarded to the FDIC for investigation. The attached information is in addition to previously submitted information for these complaints.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have called XXXX XXXX , XXXX to get a physical address to send a cease and desist notice and validation notice. This company refused to give me the address, preventing me from sending a certified mailing to insure receipt of my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: I was double charged for {$150.00} in XXXX or XXXX XXXX on the Www.macys.com with my Macy 's card. I bought a dress and then noticed I was double charged and the same dress was mailed to some random address in West Virginia or somewhere. I have called Macy 's at Least 8 times in as many months and I have been charged interest, refunded interest charged a late fee, refunded the fee. I am at my wits end. It is still on my account as a disputed charge as of XXXX/XXXX/XXXX! I have written letters, and now I am turning to you

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 10-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Forbearance / Workout plans

Complaint: I have two issues with Capital one. About a year and a half ago I had a hardship. I was a couple months behind on my payment. I have since got caught up. I have not missed a payment in over a year nor been late. This company promised to remove the late payments made two times on a recorded call. They did not honor their word. I called yesterday and requested an extinction do to hurricane XXXX. They were questioning me about what happened. I told them I am okay I did n't loose my house, although I have n't received my paycheck do to power outages and banks being down. I asked them to XXXX me until next week. The supervisor did n't care. He said NO sorry you have to pay your bill by XXXX/XXXX/XXXX. I do not feel either is correct. I have disputed the late payments with all major credit bureaus two times. I explained that to this supervisor. He said we do not do courtesy reporting as it is illegal. I explained to him the other two supervisors should n't have stated that as that is illegal to tell someone you will do something in regards to a hardship then go back on your word as that is discriminating. They are also charging me two interest fees, one for cash advance, and one for regular credit. I do not know if that is correct although I do pay my bills. They said I will continue to pay an extra interest on that cash advance until the card is completely paid off, I did the cash advance in XXXX. Please keep in mind I have n't missed a payment since my hardship. 

Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Transunion Date : XX/XX/2018 File # XXXX Transunion has showing on my credit report error of amounts showing as wrong amount owed as well as amount paid monthly. there is n o balance owed on this account and XXXX XXXX did not report the monthly amount correctly. No {$7500.00}, {$9000.00}, $ {$9400.00}, {$10000.00}, {$10000.00}, {$11000.00} {$11000.00}, Etc was ever owed nor was this the correct amount. There is no money owed this is not correct on original amount nor is the monthly payment paid to XXXX XXXX XXXX correct. 
XXXX XXXX XXXX owe me money back and I have retain an attorney for over payment.

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 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I applied and was granted a Delta Gold Skymiles credit card in XXXX XXXX. It was my understanding if I spent {$3000.00} in the first XXXX months I would be awared XXXX Delta SKy Miles, I proceeded to spend the money. made sacrafices to pay on this card ( I could have been using another reward card ) I checked my balances and paid my bill on time .... but when I called to today because I had not seen my XXXX miles deposited- they said I did not qualify because I had another card in XXXX that was cancelled. 
they said it was in the terms of agreement ... .. who reads them?? that was NEVER mentioned on the flight during the announcements, not one flight attendant mentioned you could not have had another Delta card in the past years ... .. Nothing was mentioned about that term ... .which is pretty significant -- -- they just encouraged you to apply for the card and to the miles ... .. I know it works well, because my daughter also requested a card. I am just very disappointed because they could have automatically put me into a platinum card, so I could have had the same perks ....

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX.The account was removed however a collection agency placed themselves on my credit. 

I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX on my credit.

Company response to consumer: Closed with explanation