milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I deposited a check in XX/XX/2016 for {$300.00} for some freelance work I did for a client. The client reached out to me in XX/XX/2016 and told me that the check had been deposited a second time in XX/XX/2016. I investigated and found out the check was stolen from my car during a car break in and so the second deposit was made by the thief. My client told me they would file a dispute with their bank and try to get this sorted. Fast forward to today - I checked my bank account and found out that my bank had charged me {$300.00} for the double deposit from XX/XX/XXXX. So basically I did n't receive a cent from the funds and instead now the thief has all the money. I talked to my bank and they said they can not resolve it - only the check issuer 's bank can fix the problem. Unfortunately, my client told me that they already issued the dispute bank in XX/XX/XXXX and this is the result. I really do n't believe they would be willing to help me file another dispute to try to fix this and get me the money back. I have attached documents of both the original check deposited in XX/XX/XXXX and the fraudulent check deposited in XX/XX/2016. The fraudulent check has a FORGED signature on the back and you can see that the original check deposit did n't even have a signature on the back. I am now a victim of fraud, robbery, and forgery! Please help me get this money back!

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Transaction issue

Complaint: I changed banks to XXXX, a division of XXXX XXXX. Since I did that, Target Card Services has failed to post payments even one business week after the bank shows that the payment cleared. For example : a payment was made on XX/XX/XXXX. The bank shows that it cleared on XX/XX/XXXX. Today, XX/XX/XXXX, Target Card Services shows that the payment was made and shows the date it was made, but there is no corresponding adjustment to available credit. I see this and it looks like there was a problem with the payment. 

Even worse, a statement issued by Target Card Services on XX/XX/XXXX, the day after the bank shows the payment as cleared, DOES display a corresponding adjustment to available credit. Either I ca n't trust the online information, or I ca n't trust the statement, because they do n't agree. 

I have both called and messaged Target Card Services. Both times they cheerfully told me that I could resolve this right away if they could conference in my bank and get a confirmation that the payment ( which cleared a week prior ) actually cleared. WHAT? How are they verifying payments, XXXX XXXX? I need to conference call my bank? They did n't even offer a date for when the payment would clear if I DID N'T conference call my bank. 

This problem never happened when I was still with XXXX XXXX XXXX, but since XXXX XXXX XXXX was insanely fee-heavy and impersonal, I left. This problem also does not happen with any other credit card companies, including XXXX XXXX XXXX - it is only happening with Target Card Services. 

To add insult to injury, when I tried to reply to their completely unsatisfactory online message, the messaging system crashed. I 'm sure that was a coincidence, but I lost the lengthy reply I had composed, so it certainly did n't help.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Federal student loan debt) with Equitable Acceptance Corporation (NY).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I reached out to equitable acceptance corporation and they let me know they could help me get me student loans consolidated and forgiven. They did not indicate I did not qualify for a forgiveness plan or tell me they were going to be charging me {$49.00} a month for a service that was not helpful. This is a deceptive practice and one that I see many other people have filed complaints for. This company is deceptive and giving wrong information by praying on people 's desire for student loan relief. I do not trust them and I want to have any contract they state I have revoked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (Payday loan) with High Point Asset Inc (WI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: High Point Asset called my employer and told them they are trying to contact me to collect a debit. My employer took the phone number for me to call them back ... this was very embarrassing. the number is XXXX. I called them back and they tell me the are collecting a debit for XXXX XXXX from a loan 4 years ago, this is the first I have heard of this company and do not remember taking a payday loan from this company. Why would a company wait 4 years to try and collect a debit if it was a legitimate debit. I believe this is a scam.I had my identity stolen last year and a false tax return was filed in my name. They sent me an email after I asked for proof of the loan but it does not prove anything, does not even include the original creditors address or phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Since I was all the time getting offers from Barclay`s bank I have applied for Barclay`s AAdvantage Aviator Business card.I have a personal XXXX XXXX  credit card with them with a limit of XXXX, but I don`t want to use my personal credit card for the business. 
I have a excellent credit history.There is nothing negative in my application.i`m in a field where we are saving someone`s life everyday.We are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i`m the XXXX of the company.and there lots of daily expenses and licensing expenses we have during our operation where I don`t want to use my personal credit card.And since Barclay`, my credit card company were sending me offers everyday to apply for a business card, I decided to get it.After submitting every document they called me on XX/XX/.After putting several hard inquiries on my credit report which is over 780 fico score, they told me you know what we don`t wan na give you business credit card because you already have XXXX XXXX XXXX XXXX with us.I kindly explained them that advising someone to use his personal credit card for business is not a right thing.And I also explained them that by putting several inquiries on my credit and without reason declining, you are not only damaging my credit score, but ruining my chances to get a business card from different bank.

I also told them that under the fair credit reporting act creditor can not taken an adverse action against consumer based on discrimination what I felt happen to me.I really felt that Barclay`s Bank treated me as their customer very unfairly without giving me the right reasoning.If their employees continue treating their own customers like this they will lose lots of customers, and I`m going to be one of them.If I don`t get this problem solved I`m going to cutt all my relationships with that bank.

Everyone in this country are equal.We are all paying taxes.No one, it doesn`t matter its a bank or individual can treat anybody unfairly in this country.

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I received an alert that an item ( that I have no knowledge of in the first place ) from XXXX XXXX had been removed from my credit report on or around XX/XX/XXXX. I was told that there was a glitch in the system. I thought maybe the glitch was in my favor being that I do not have knowledge of this account. On Sunday, XX/XX/XXXX, I received another alert that it had been added back to my reports. I did not receive written notice from either the collection agency or CRA 's that this item would be reinserted back on my credit file. New, validated proof of the debt was not provided either. This reinsertion is a clear violation of the Fair Credit Reporting Act. This reinsertion has also caused a decline in my credit score and I am very unhappy. Due to this violation of my rights, I am requesting that this item be removed  from my XXXX and XXXX reports permanently and immediately and that it not be placed on my XX/XX/XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Student loan (Private student loan) with Loan Science, LLC (SD).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: On  XXXX / XXXX / 17  I called  XXXX  to determine if I could refinance my 9 % interest rate on a $  XXXX  pri vate educational loan. They were n't showing any options available and directed me to Loan Science ( the lender ). I called Loan Science. The customer service rep told me a program to lower my rate was available 2 years ago but is no longer an option. I was not informed of this program, to which he  agreed. He said that I was n't contacted because I was making payments and that no options now exist. I am concerned that I was never informed of this program and I also do not believe it to be good practice to only extend offers to people who are in default.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Other debt) with Cedars Business Services, LLC (VA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I sent them a statement by certified mail informing them that I did not want to be called anymore and that I would like to correspond through mail. I know they received the certified mail because I have the record. According to t he USPS, the y received it the morning of   XXXX   XXXX   XXXX    . In the letter, I wrote exactly :  " Cedar Financial or anyone representing Cedar Financial does not have p ermission to call my cell phone. I preserve my right to claim damages for subsequent calls und er the Telephone Consumer Privacy Act. '' Later that evening, I got a call from them again. This is after  XXXX    months of them repeatedly calling my phone ( every other day. ) I have the file # they gave me that I can provide to CFPB if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My issue is with Bank of America. I have been a consumer with them for a very long time. i have an excellent payment history and no delinquencies on my account. However, I had an recent indecent where they were suppose to dispute  XXXX  charges for me.   The bank first informed me that both charges were disputed, and then couple of weeks after I notice the charges are back on my statement, and the statement charges were more then what my credit line was.   I called the bank i was really upset that they would do this to me even though i was working with the other merchant to take care of that balance. I was very upset i did not get the help I needed nor anybody took my frustration into consideration.   I told them I want to close my account and I will not pay that balance because it was suppose to be disputed in the first place.   Now this is going to affect my credit i called the bank again. they keep giving me the runaround and transferring my calls fro m one r epresentative to another.   I needed to address this issue. I feel the bank did not really do what they were suppose to based on the terms and conditions to protect me as a consumer. Thank 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 explanation
Consumer complaint received 09/26/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received an alert on my credit report of a collection account. I never received any communication from them. I do not believe I owe the bill but I was never provided an opportunity, or a copy of the original bill, to confirm it is legitimate. This is a scam that a collection company can report something without even contacting the debtor. This should be removed from my credit report and then provided to me to review and dispute or pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the case and stating my reasons had nothing to do with them the account was VALIDATED well i asked to be sent proof and that was not done I NEED THE ACCOUNT TO BE VALIDATED, Proof of My WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX acct. XXXX XXXX RMSCC # XXXX $ 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 explanation
Consumer complaint received 05/20/2015 about Debt collection (I do not know) with Remit Corporation (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I am also a debt collector, recently I called Remit Corporation which is located in XXXX, PA. My husband has a supposed bill there from 2007 that has a judgement placed on it by XXXX County XXXX A woman named XXXX who works for Remit has been harrassing us about this bill. While on the phonr with her, I informed her that anything over 7 years old can not be on Credit Report unless recent payments are being made on it. She told me that obviously I have not been doing my job very long because I have no idea what I am talking about. In no way, shape, or form are you allowed to speak to a debtor or a debtors spouse in that manner. Remit has no idea what the bill is for. XXXX just keeps explaining to us that we owe over {$600.00} or there will be a Sheriff Sale on our items in our home.This is totally not right and definitely against FDCPA laws!

Company public response: Company believes the complaint is the result of a misunderstanding
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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a security breach and my social security number was potentially stolen. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year. The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This account is past the statute, this collection agency is trying to say it was charged off XXXX which is not accurate. I have n't had a XXXX XXXX account is 8 years. They sent a statement as validation showing XXXX past due amount {$1200.00}, the account had to be past due a long time to have a minimum payment this high. What I received is not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Billing disputes

Complaint: my ex wife made charges and balance transfers to my cc without my knowledge i filed a dispute and they denied said they verified i owned the accounts of the balance transfer, i called the banks involved first merit and barclay card and they verified that i have NO accounts they are trying to hold me responsible for this fraud and are violating the FCBA, then she told me to goto bank of america branch and i told her i dont live close to one the nearest one is XXXX+ miles away she said will i need to go she is making it hard for me and im not healthy too i just had XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: On XX/XX/XXXX, I ordered a bracelet from XXXX for a total of {$79.00}. On or around XX/XX/XXXX, I returned the jewelry to Reeds because my wife did not like the bracelet. I was issued a credit on XX/XX/XXXX for the total amount of {$79.00}. When I looked at my statement I realized I had XXXX charges for {$79.00} on XX/XX/XXXX. I contacted XXXX first and they stated they had it only once in their system. I contacted XXXX and they had me submit a dispute for the double bill. I am going on 2 months and my XXXX dispute because whoever is handling the dispute sees the credit from the jewelry being returned and assumes it 's a credit for the correction of the double billing. I contacted them today again and the supervisor XXXX was very rude and wanted me to call back with the jewelry store on the other line to talk to them in a XXXX way call. I believe this is not my job to do.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JH Portfolio Debt Equities, LLC (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I never did business with JH Portfolio, they 're consistently reporting inaccurate information on my report stating that i owe them XXXX which i do n't recall borrowing from any credit card company. i disputed this issue by calling XXXX, i never got any response or documentation of proof that i own this complay but the derogatory marks remained on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been having several issues with Equifax. I was recently doing some business with my bank when they told me they were unable to access my credit information because of a security alert that was placed on my account. I was aware of the alert because I placed it owing to the incident where customers information was compromised from the database of XXXX XXXX XXXX XXXX. I placed the alert in XXXX of this year and know that it should automatically be lifted in XXXX. However, I was not sure of the date that it would be lifted. I called Equifax and asked them to remove the alert from my account. The representative said she did n't see one and would speak with her superior. I waited to have this person come to say that she would be able to issue a credit report and resolve the issue ONLY if I sent in my driver 's license and social security card. I told them by doing so, my right to privacy would be violated and I will not send to them such personal information. She said she would not be able to speak with me further. After getting off the phone with Equifax , I decided to call XXXX, the representative there said they would only ask a few questions from my history to confirm my identity then they would remove the alert on my behalf. They did. On XXXX XXXX, I decided to compare my XXXX credit reports on XXXX XXXX. I saw that Equifax has given me a a lower score as compared to the other XXXX Bureaus. On the report, it showed that I have had only XXXX credit inquiry for this year. Equifax listed that I had XXXX. When I checked the details of that, it showed an Inquiry from " XXXX XXXX XXXX '' on XXXX XXXX, XXXX and XXXX ... XXXX hard inquiries from XXXX institution, XXXX days in a row. I called Equifax to resolve the issue, again they said they will not speak to me until I send my Driver 's License and Social Security card to them. I do not plan to send any type of personal and sensitive information to them. I consider such request to be a violation of my rights and privacy and I do not wish to comply to those terms. Furthermore, that information is not required from others living here in the United States and I can not see why I am being singled out. This is my XXXX year living in the United States, I had been granted citizenship in XXXX of this year, I have worked very hard to build my reputation and my credit for the few years that I have lived here. I do not purchase the things that I can not afford and I remain satisfied with what I have worked for but I believe that Equifax is trying very hard to sabotage me and many other persons here in the U.S. because of their careless and nonchalant tactics in credit reporting. I must also add that Equifax has refused to give me my free credit report for this year. Any assistance from your entity to resolve my issue with Equifax would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief