milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Unsolicited issuance of credit card

Complaint: For over 30 years I have had a credit card account with Chase. A few months ago I decided to add an authorized user on my account because I had n't used the account in quite a while. Well from the moment my authorized user began using the account it was one headache after another! Now I appreciate and understand Cjase wanting to make sure that no funny business is going on with the account but what they did and are doing should be illegal. I informed Chase in writing that the account would be used by my authorized user and at which stores, dates and approximate amounts spent. Well they kept freezing the card and I would have to call them or wait for them to call me to verify activity on the account. This happened at least 5 times in 3 weeks. In XX/XX/XXXX I put in for a balance transfer offer that Chase was doing at the time for a couple of credit cards that I had some small balances on. Bear in mind these were my own accounts in my name only. Well Chase decided to shut down my account, remove my authorized user and not communicate with me as to why it was being done. My credit limit was {$26000.00} and there were approximately {$14000.00} worth of charges to the account including the balance transfers. For 2 weeks every time I tried to call to get information about what was going on I kept being told that I would have to wait for someone in another department to call me. The call never came. Then I find out through my authorized user that Chase closed the original account and set up a new account with a XXXX balance. I never received a new card, a letter or anything explaining what was going on. So when I call then XX/XX/XXXX they tell me that I need to go into a branch with a valid photo ID before any information can be shared with me. Despite the fact that I have a credit alert on my credit report which gives my number to call to verify Chase never did that. If I had been asked to go into a branch back in XX/XX/XXXX when this all began I absolutely would not have had a problem doing so. However, it was a month or so later after they had taken all of these actions without so much as a phone call or letter of explanation. And if I had not been made aware of the new account and called myself I never would have been notified that they wanted me to come into a branch. And to top it off last week after showing that the balance is XXXX and refusing to give me access to my account online, they withdrew a payment from my authorized user bank account for payment! My authorized user bank account info was on the account because they had agreed to have payments come directly out of their account since they were using the account. It was really all about rebuilding their credit. So I want Chase to either give me access to my account and send me new cards or to stop reporting this to the credit bureaus. They took over my accounts as completely as any identity thief ever could!

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is reporting late payments on my credit report during a time that I was currently enrolled in school. It is impossible for payments to be late on a loan that was not currently due. I have disputed this issue with them several times and they will not remove the late payments from my credit 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 03/15/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Other

Complaint: i am filing this complaint against my credit card company capitol one for not rendering the services to me i would have expected when i was the victim of online fraud.i explained to them that this is not a billing dispute, it is for undelivered goods and services.these companies need to produce what they have done for me not the opposite.i paid XXXX XXXX on XX/XX/2016, XXXX XXXX XX/XX/2016 and XXXX XXXX on XX/XX/2016.these monies should be returned to me for services not rendered.capitol one seems to blow me off. im not asking capitol one to do anything there not suppose to, i feel it is easier for capitol one to just say it is to old.these companies are taking advantage of the elderly which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Medical) with Focus Holding Company (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Number calls me multiple times a day

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Settled ( for less then balance ) on XXXX XXXX credit card in XXXX of 2014, but there is a " balance '' still showing on my credit report for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Bank account or service (Checking account) with U.S. BANCORP (TX).
Issue: Problems caused by my funds being low

Complaint: In XXXX of 2012 I opened a bank account with US Bank and put a small amount of money. I did n't pay much attention to the account because I had n't even put any direct deposit to it or anything. Then must have been almost a month later that I finally got notice that the account had NSF a check was processed through on XXXX XXXX for XXXX. It was processed like a paper check. First off I did n't have paper checks attached to this account. Also the day the check was written and processed I was having a XXXX. I definitely not out writing checks I do n't have. Anyways the XXXX and continuing health problems were a big distraction. I started the dispute process but did not complete the fraud packet because of this. Then I was blessed to get pregnant again soon after but am a XXXX so my health and that of my baby became a priority. The next XXXX I decided to purchase a new car. We wanted to get a loan with a credit union to get a better interest rate. We applied for an account at one because you had to be a member to get a car loan. This is when the bad account came back up. We contacted US Bank and they quickly offered to open up a new fraud claim. This is where my problem 's began. We put our car buying on hold so that we could dispute the account and then go through the credit union. US Bank opened a new fraud case on my account without bothering to tell me it was beyond the allowed time frame to dispute. They allowed me to go through the motions of filing the dispute knowing it would be turned down because it was old. During the time my dispute was being processed and I was waiting for a response for the fraud investigation my old car broke down and I ended up having to pay for repairs on a car that would have been replaced already had I not been waiting for us bank. Also when they finally did get back with me and denied my dispute they sent me a letter with my first claim number on there saying that case was denied. I contacted them back requesting a letter saying the new case they opened was denied but they never provided that. So we went ahead and purchased a new vehicle but we 're limited to places that would allow in house financing. Because of being unable to get a bank financing cause of check systems. So instead got stuck with a short term loan with disgusting interest rate. All around it cost my family a lot of money over a bad XXXX that I did n't write. Stupid customer service representative when I called about my dispute being denied, I asked what I was supposed to do now. Pay something I do n't owe and was just told sorry ma'am.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX / XXXX /   17  - Applied for revolving credit form  XXXX   XXXX  /   XXXX    XXXX / XXXX / 17  -  XXXX   XXXX   ( via letter ) de clined my request stating the report they received from Experian shows my total credit obligations when compared to the total annual is too high  XXXX / XXXX / 17  - Spoke with  XXXX   XXXX   XXXX   XXXX  and was advised that Experian is reporting my total monthly credit obligation is : {$8400.00} + This is incorrect. In-fact, my total credit used a nd total credit obligation within any given month for the past several years does not exceed a couple hundred  dollars  XXXX / XXXX / 17  - Send a letter to Experian to dispute the erroneous reporting  XXXX / XXXX / 17  - Filed dispute with CFPB

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 08/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I monitor my credit XXXX score each month when I pay my XXXX Card balance. This month the score went down XXXX points and it stated that it due to information in my Trans Union Credit report. I ordered my free annual report from Trans Union and on it there was no negative information that should impact my score. I called the Trans Union number given on the report to see if they could explain, but had no success. Although my all my accounts are marked as current and no negative information was reported, they could not assure me that the factor that is negatively impacting my credit would be corrected. I tried to file a report online to dispute this situation but could not because my problem did not fit into a dispute category.

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 07-11-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: This is happening with alarming frequency with XXXX of the credit report bureaus : they simply refuse to show my credit report online when it 's time for my free check-in ( I keep them on a rotating schedule in my calendar, so I know when it 's been a year since each report ). THis time is Experian ( XXXX is the other frequent refuser ) Instead, they suggest I fill in a very long form, attach many documents and send in a snail mailed request. I am sure this would not happen if I was willing to pay for 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 non-monetary relief
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (NC).
Issue: Trouble during payment process

Complaint: I am a   XXXX   XXXX  . On    XXXX   XXXX  , 2017 we  ordered a payoff statement from Fay Servicing , LLC of  XXXX , IL. We received the payoff statement and o n  XX/XX/XXXX   paid the loan in full. On   XX/XX/XXXX  I re ceived notification from the new owner of the property that the mortgage holder was attempting to " winterize '' the house and change the locks. I contacted Fay Servicing , LLC to find out why they loan had not been cancelled and was told that they payoff they received was short by nearly {$600.00}, eventhough they were sent funds in excess of the written payoff demand. We were never notified of an issue with the payoff  and Fay Services refuse s to take responsibility for the mistake. I have yet to receive a revised payoff statement showing the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hospital rendered service rendered on XXXX/XXXX/2016 - it has now been almost a year. The hospital fraudulently billed. My insurance company paid the bill, the hospital billed me for the copay/balance - which was also incorrect. The hospital then sent the bill to collections. I notified the hospital & insurance company in XXXX 2016 that the bill was incorrect. 
I have maintained contact with hospital & insurance company and have been attempting to resolve the issue. In XXXX 2016, my credit score was XXXX, currently it is XXXX and continues to drop over {$100.00}.

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 explanation
Consumer complaint received 03-09-2017 about Debt collection (Medical) with Receivables Management Corporation (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I incurred an emergency room bill after being injured while attending a funeral outside of my home state. Days after I was treated, the hospital closed and did not file the invoice with my insurance company. Instead, a collection company, RMC, was given my file to collect in full without any insurance filing. I have spoken to RMC directly several times, and at one point, provided them with the name and number of a representative at my insurance company who said she would be glad to assist them in getting paid for my claim but RMC did not follow through on that and instead, opts to constantly call and write while each time I tell them that I have insurance that would pay this in full. They are using harassment techniques rather than simply filing the claim or having the hospital file the claim. I do not know how to help them help themselves, and neither does my insurance company. They need to do what 's right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Billing statement

Complaint: On XXXX/XXXX/XXXX, I encountered a rough forced sale in XXXX. I reported to the credit card service and revoked authorization on the same transaction day. I was assured by the card service personnel that he would take care of it. 

As soon as I got back to the U.S. and received a package without returning address, I reported to the card service. 
On XXXX/XXXX/XXXX, the charge was credited back to my account. 

On XXXX/XXXX/XXXX, I asked the car company to help return the shipped package without returning address and valid phone number. 

On XXXX/XXXX/XXXX, Barclaycard Bank card service confirmed that the fraud investigation has been completed and I am not responsible for the reported fraudulent activity. 

On XXXX/XXXX/XXXX, I received the late arrived letter dated XXXX XXXX, XXXX. That letter briefly stated the card company remained unable to pursue credit on my behalf. No other investigation document was attached. I called to reopen the investigation. 

On XXXX/XXXX/XXXX, I was asked to either send in my own investigation documents in 2 hours, or pay {$230.00} on the phone to get extension to send in my investigation. It took the card company 10.5 months to complete an investigation without any document. 

On XXXX/XXXX/XXXX, I sent XXXX XXXX XXXX XXXX a request to re-open the investigation with documents of my own investigation. My investigation on the shipped product shows the listing price of the shipped product is US {$830.00} vs. charged amount of US {$11000.00}. The over charge of the immediately reported forced sale is US {$11000.00}, even if it is real product. 
And the content of the product ( XXXX ) is what my doctor asked me to avoid. 

Since the card company stated my further request might not be answered ( dated XXXX/XXXX/XXXX ), and asked me to pay {$230.00} on the phone to get a chance to submit my own investigation for review when I requested a documented investigation, I decide to ask CFPB for help to get credit back for the reported revoked fraudulent charge with interests/penalties. 

I also want to warn other consumers the following : Consumer can cancel a check, a bank can return a check without sufficient fund ; but a credit card company can charge back a revoked fraudulent charge that exceeds available credit limit and was reported 10.5 months ago. And consumer will be required to pay a high fee to get a chance to submit his own investigation on a fraudulent charge reported 11.5 months ago.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX exposed my personal data. 
XXXX offered 1 year of credit monitoring and free credit freezing. 
I decided that, since the credit bureaus ca n't protect my information, I must take steps to protect my credit. 
XXXX and Experian want to charge for credit freezes unless there is an identity theft report. 
I believe that XXXX should pick up credit freeze charges, as it was their breach that caused an issue. 
I believe that identitytheft.gov should recognize the theft of personal information as identity theft and grant a report of the same rather than defining identity theft as the misuse of a stolen identity which could happen 20 years from now. 
I believe that XXXX and Experian should not collect a windfall profit from the mistakes of XXXX due to the reaction of responsible citizens trying to protect their 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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Caliber Home Loans, Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: To date, my credit reporting still reflects Not Reported NR for the months of XXXX XXXX 2017, which  is highly affecting my credit score and the ability to credit worthiness. That said, I NEVER gave written nor verbal authority/permission to Caliber Home Loans, XXXX nor the U.S. Federal Trade Commission to suppress my credit reporting under any circumstances nor did I suspect any fraudulent activity to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2017 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have found myself in a difficult situation since someone stole my identity. I feel I have exhausted all my efforts and need additional help. I have submitted to each of the credit bureaus a copy of both a police report, my identity theft affidavit, and a copy of my personal information i.e. my drivers license, copy of my passport, and my social security card. Additionally, I sent in a letter disputing the inaccurate information and got no response at all. It has now been over 30 days and I have yet to hear any response from them regarding the matter. I am now submitting a complaint to request additional help in rectifying the situation. I know the credit bureaus are each in violation of federal statute, and the only request I have is for the fraudulently reported information to be removed and blocked so that I am no longer affected by it. It has been interfering with me being able to get credit, gain additional employment, and hindering the quality of life I deserve to live.

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 08-05-2016 about Bank account or service ((CD) Certificate of deposit) with PNC Bank N.A. (PA).
Issue: Deposits and withdrawals

Complaint: My sisters and I have Certificates of Deposit that were opened in our name by our grandmother. Both names are on the Account Verification statement provided by PNC Bank in XXXX, XXXX My grandmother has since passed away. My mother found the account statements XXXX day and we are trying to get access to the accounts. When we called PNC, they had no record of the account. They forwarded me to some PA State agency that also says they have no record of the account. As far as we know, PNC should still have this money, but somehow, they are unable to find anything regarding the account. This is a major problem.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Google Compare Credit Cards Inc. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Several of my credit cards have been comprised and charged without my consent. from a game called slots of XXXX free slots through goggle play under a email address XXXXXXXXXXXX XXXX This is an email that I rarely use but for some reason my credit card information have been save under goggle play without my knowledge. Although I have changed my password on numerous occasion. I still get security alerts abut someone accessing my account XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX I received notification by goggle that someone has my password. Yet goggle have not taken any security measure to avoid someone charging my account. 
XXXX XXXX XXXX XXXX ending in XXXX XXXX {$2.00} XXXX/XXXX/XXXX {$53.00}. Transaction of {$7.00}, {$7.00}, XXXX {$7.00}, {$0.00}, {$0.00}, {$19.00} XXXX {$61.00} {$29.00}, XXXX, XXXX XXXX/XXXX/XXXX {$29.00} XXXX/XXXX/XXXX {$19.00} XXXX/XXXX/XXXX {$270.00} XXXX, XXXX XXXX/XXXX/XXXX {$8.00} {$7.00}, XXXX, XXXX/XXXX/XXXX $ XXXX {$60.00} {$29.00}, {$29.00}, {$0.00} XXXX/XXXX/XXXX {$29.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$69.00} transaction {$7.00}, {$7.00}, {$29.00}, {$7.00}, {$7.00}, {$7.00}. 
XXXX/XXXX/XXXX {$360.00} Transaction {$2.00}, {$19.00}, XXXX/XXXX/XXXX {$41.00} XXXX/XXXX/XXXX {$72.00} XXXX XXXX Ending XXXX {$500.00}

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 explanation