milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: There is a collection account on my credit showing it was opened in XXXX and it was NOT. The account was opened in XXXX or XXXX so it has been well over 8 years. I have tried to contact the collection agency in which this debt is placed and the number provided on my credit report for the agency does nothing but automatically hang up on me. This derogatory mark is preventing me from obtaining a home for me and my XXXX children. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (Credit card) with Stillman Law Office (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I entered into an agreement with XXXX XXXX to payoff a past due credit card and get a judgement dismissed. What I signed stated I am not responsible for interest, court cost, or any other addition cost. I was to only be responsible for the principal balance of the credit card that was closed. I paid off my entire balance within 1 year. I called to get a paid in full letter and they stated I needed to pay all interest, court cost, etc in order to consider this loan paid in full. My agreement with their legal department was to pay my principal balance only. I believe I was mislead by their representatives into entering into this agreement to pay my balance in full. Which I did pay in full, but now they want additional fees that were not including in my agreement.

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 01/25/2017 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (MN).
Issue: Using a debit or ATM card

Complaint: Received and Debit card from netspend of XXXX TX that I did not request. 
You need to read the fine print to realize why you got it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: In XXXX 2016 I disputed {$170.00} of a {$520.00} on each of XXXX tickets. I was downgraded to coach on the fights. Per letters dated XXXX XXXX, 2016 and XXXX XXXX, 2016 the credit card company reversed the {$170.00} disputed amount on the XXXX charges based upon discussing the issue with the airline and the airline saying that would credit {$110.00} per ticket. Even thought the credit card company reversed the {$170.00} in disputed amounts on all three tickets, I have only received the {$110.00} on XXXX of these XXXX credits. The credit card company also stated that they would " continue to request credit '' for the amount if I did not respond by XXXX. Since I agreed with credit was reasonable, I did not dispute the proposed credit. I did I give the credit card company a reasonable time to get the credits on my account. In XXXX I sent them a letter stating that the credits have not been applied yet. On XXXX XXXX Citibank sent me a letter stating that they would no longer pursue the claim and closed the dispute because I did n't respond by XXXX even though they stated that they would " continue to request 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 monetary relief
Consumer complaint received 11-09-2017 about Checking or savings account (CD (Certificate of Deposit)) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XXXX XXXX, XXXX, XXXX PM, I took a check in the amount of {$1500.00} to Chase Bank in XXXX XXXX, XXXX to be deposit into an existing CD. The Bank teller who filled out the deposit slip entered the check for {$15.00} instead of {$1500.00}. Immediately the following day when the Bank opened I went back to Chase Bank to report the Teller 's mistake. I was told that the Teller 's error would be corrected. 
Two months later, XXXX XXXX, XXXX Chase Bank withdrew {$1500.00} XXXX {$1500.00} amount of check for deposit minus {$15.00} enter by Teller ) from my CD. 

At this point Chase Bank tried to coverup their error, and told me the check was submitted several times and there was n't funds. What they failed to tell me was that check went through for the wrong amount of {$15.00} entered by the Chase Teller, therefore could not go through again for the correct amount of {$1500.00}. I only found out the truth by going to the bank where the check originated from. 

To make matters worse, they continued with their coverup by telling me that the original check would be sent back to me and I could take it to the Bank where the check originated. For over a month I waited, continued to go into the Bank, and got a complete run around. Getting the check back was never going to solve the problem and never came. 

The writer of the check is a XXXX man with limited XXXX. He has not responded to my request to correct the Bank 's error. I do n't feel I should have to hire an attorney to recover the money Chase Bank deducted from my account. This was certainly not my fault. The XXXX not only entered the amount wrong on a hand written deposit slip, but also keyed it in for the wrong amount. Perhaps Chase Bank thinks that they can keep putting me off and because of XXXX XXXX XXXX XXXX XXXX I will just let it go. 

Chase Bank needs to own up to the mistake of their Teller and put back the {$1500.00} they deducted from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX in Oklahoma, XXXX phone XXXX has called for XXXX straight days and many times in the past. They have been told that my son 's loan is not my problem and they continue to harass me. I have not cosigned or have anything to do with this loan. I am very tired of these phone calls and want this to stop. 
Thankyou, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I opened a Kohls store card and they made it seem like it was very easy without explaining much information. I applied after making a purchase and they said all I had to do was sign a form and for me to answer a few questions in the terminal, I was then approved and I went on to make purchases and didn't have much credit knowledge so I used my card for a few things and then I lost my job and had trouble paying it off because of me being unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Bank account or service (Other bank product/service) with First Data Corporation (GA).
Issue: Using a debit or ATM card

Complaint: I woke up and checked my account and found that about 2 hours earlier when I was sleeping a charge of {$100.00} was made at XXXX, i disputed charge and XXXX denied claim with no reason, and I did provide signed doc stating I never made this charge and my card was in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My husbands name was on my house 's mortgage. He passed away XXXX 2012. Since then I have paid the mortgage and have received a XXXX form for income tax filing. This year, Chase has decided that they do not need to send me this form and report the interest I have paid. I have paid the interest from my personal checking account and my name was on the deed even before my husband 's passing ( done at the time of purchase ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (NH).
Issue: Account opening, closing, or management

Complaint: I received a card from BRINKS which I never wanted or applied for. They have all my information on it and a number to call to " activate '' and another number on the paperwork to " OPT OUT '' calling the number to OPT OUT I was told to call another number, when calling the other number was told to call that other number completing the RUN A ROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Other

Complaint: I have a Wal-Mart credit card that I recently paid off, XXXX XXXX, in the amount of $ XXXX. Today, my wife looked at our account, lo and behold, Wal-Mart had withdrawn an identical payment on XXXX XXXX. It was listed the same way as the previous payment, an online payment. My wife called our bank, and they could stop the still pending payment, but they would charge us. Even though it was an identical amount for an insanely high dollar value. They told her to call the credit card. When my wife called them to talk to them, they went between saying we did it, our bank did it, maybe a 3rd party did it, or someone paid in store or who knows what. They tried telling her that I must have made a {$670.00} payment on a closed, zero balance card. After much arguing, they finally relented and reluctantly told my wife they would issue a refund. This however would take 7-10 days to get a check in the mail because they do n't issue electronic refunds ( despite the fact that they do electronic withdrawals ). So my wife called the bank back up who only decided to stop the payment and not charge us because we were such " good customers '' with " no previous overdraw fees ''. So then my wife had to call the Wal-Mart card back, and cancel the refund. They continued to blame us for it, and only after my wife prodded them, they admitted that had the refund continued through with our bank cancelling the payment, we would have had massive fees and fines for what they would consider " using a cancelled card. '' We finally got the whole thing resolved, but my wife had to spend all day on the phone. Wal-Mart credit card tried stealing $ XXXX from us, and we had to twist arms to get our bank of 10 years to work with us.

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 06-12-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Settlement process and costs

Complaint: Issues in XXXX. My loan estimate states my fees are {$6800.00}. I was given my cd with fees $ XXXX higher than what was disclosed on XXXX. My loan officer forced me to close on XXXX, waiving my 3 day right to review and accept higher fees. I also found out I do n't have a clear title and there are open permits that deal with final completion and occupancy.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Medical) with The Thomas Agency, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have XXXX collections totaling {$3600.00} on my credit report that do not belong to me. The collection agency is Thomas Agency and the hospital that the bills are coming out of is XXXX XXXX. I have contacted both the hospital and the collection agency in reference to these bills and to no avail. I called both 2-3 months prior to inquire as to what the bills were for exactly. The ailments the hospital said I had gone in for ( a XXXX, for example ) were something I had not gone to the hospital for. In fact, I have lived in XXXX, ME since 2011 and have not gone to this hospital as it is in XXXX, ME. I have never received letters or bills in regards to any of these collections - I just noticed them on my credit report one day. When I called the collection agency to have them send me an itemized bill, I verified my address and was told I would receive something in 7-10 days. 2-3 months later and I have still not received anything. I did an online search for their Web site and noticed a place to make a payment. I thought that if I clicked on " Make A Secure Payment '' I would be able to see what I owed or, at the very least, how much I owed. However, there is just a rough looking form for me to enter in my name and credit card information. This site does not seem trustworthy to me at all. I am very upset at the fact that I have disputed these collections once already and they were verified as being valid ( somehow ). I really need some relief at this point because my credit score is hurting for collections that do not and have never belonged to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: After much research I called capital one to request an increase to the existing platinum card. I was told that as I had just received an increase I would do better to apply for their no fee cash back XXXX credit card, which I did, and was approved. Today when I went to review my account I noticed a {$39.00} membership fee. I immediately called as I was not made aware of any fees otherwise, I would not have opened another account. The representative said I could 've combined the two accounts to make it one ... something that the initial representative said I could not do since I had to apply for an entirely new account. Finally she said she would the charge this year and I stated that I would figure out if I could to take a negative credit hit when I close the account before 2018. However, the system would not allow her to waive the fee! I am stuck with a credit card that advertises no fees and after a year of using the card want to apply a fee! This is bait and switch! And if I close the account my credit scores will be affected! I need assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone 30 days mark and can not verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA- they are required to Promptly delete any information that can not be verify '' that I have disputed. Please help me resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have worked with transunion several times and had the same information removed. I pay my bills on time and there were no late payments. all inquiries were for the same purpose ( but they refused to count them as a single record. Ihave no negative marks on my report and my oldest account on tu WAS from 1997 which was removed recently so it looks as if my credit history is shorter than it actually is. when I apply for a loan tu will intentionally lower my score. This has gone on for years and when I call in to dispute items on my report I am told they only have to follow their rules. this is not my first complaint to be filed with you. I recently asked tu to remove late payment information they claim was reported to them by XXXX XXXX /XXXX, an inaccuracy they reinstated only after I started looking into mortgage loans. 

I would like to have all inaccurate information removed from both my credit report and my credit file. 
I would like some protection against TU reinstating this information again. 
I would like to have a clearly defined timeline that states what is considered to be a new account for example ( 0-12 months ) and what is considered to be a short credit history for example ( 1-10 years ) short ( 10-15 years ) intermediate ) and so on. 
I would also like outcomes listed of any credit inquiry so it shows if an offer was made and if not why not. 
I would like it to be a requirement for anyone who pulls a credit report to furnish a copy of the report they pulled including the report number to the consumer and not tell them they ca n't do n't or wo n't because it is not their policy. 
I would also like fines imposed if a consumer can prove the any information that was previously removed has been reinstated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I closed my credit card account with Capital One over 2 years ago. Despite that, they renewed the card and issued a new XXXX. They then proceeded to bill me and charge late fees for the new card. Hours upon hours on hold and unreturned calls from " supervisors '' failed to resolve the problem. These " fake '' renewals seems to have strong similarities with the recent XXXX XXXX scandal.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While reviewing a recent copy of my [   XXXX   ] credit report I noticed a credit inquiry by your company that I do not recall authorizing.
I understand that you are allowed to put inquirie  s on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.  <P/> Thanks in advance,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The company refuses to remove inaccurate negative credit items The company refuses to remove credit inquiries that were not authorized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Letter received from AMSHER requesting a payment from a debt they say I owed, they are a collection firm. I sent a letter to AMSHER within the 30 day time period, requesting further validation of this alleged debt and received no response. I did see an entry on my credit report that this is listed as a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: I opened a consumer account with PNC in XXXX of XXXX and was given a promotion that included reimbursement of all of non-PNC ATM fees " for life. '' The bank was offering that promotion because they did not have many branches in the DC area at that time. The offer seemed unusual to me, and as as a result I questioned the bank representative extensively about it. The PNC representative assured me that this could not change for the life of my account. PNC honored its contract from XXXX up until this past XXXX, when they changed its policy and started reimbursing only {$10.00} per month in ATM fees. I have spent a significant amount of time on the phone with PNC trying to get the bank to abide by its agreement but to no avail. I informed the representatives that if the bank refused to honor its contract I would file a complaint with the CFPB, but they refuse to take any action. Thus, this complaint. I do not want much - I just want PNC to live up to the offer the bank made to me in XXXX and that it honored for the 9 years that followed until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: We were notified today XX/XX/2016 that we have Hard Credit Inquiries on our Credit Reports ( Equifax , XXXX and XXXX ) for a loan that we DID NOT apply for. 
The following companies XXXX, XXXX, XXXX, XXXX and others have run Hard Inquiries against our credit reports and we have Never heard of these companies before. We call Equifax and XXXX and they put a Freeze on Our Credit Reports. XXXX has not put a freeze on yet. Equifax and XXXX said we would have to call these companies as ask to have the Hard Credit Inquiries removed but we said this is FRAUD. We had a freeze put on our credit reports so no more credit inquiries can be made for now. We have already had our credit scores reduced by these Fraudulent Credit Inquiries. We need help in all of this since Equifax and XXXX and XXXX DOES Not want to help us. We paid money to have the freezes put on each credit report. Do we now need to seek a lawyer to help us and have to pay for the lawyers fees too? We have tried for a long time to get improved credit scores but in a flash our scores are lower and we did not even apply for any loans or miss payments but are being penalized with no one to help us.

Company response to consumer: Closed with explanation