milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I disputed charges through Chase from a recent trip in XXXX were I was unfairly charged, but Chase is refusing to credit me for these illegitimate charges and is ruling them valid. Explanation of the XXXX charges below : 1 ) I booked a hotel room for one night in XXXX, XXXX through XXXX. When I got to the hotel and checked in to the real room, it was COMPLETELY different than the room that was advertised online that I booked. I took photos of the room and I have screenshots from my phone of the advertised room on XXXX. They do n't look similar at all. Frankly, the room they gave us was much worse. It was smaller, older, dirtier, and less comfortable. But, we were in the city for less than a day and dealing with the front desk was already a nightmare and wasnt a realistic option from a time perspective, and because it was booked through XXXX, it wasnt going to be easy to reconcile. This is why I requested a partial amount to be refunded from Chase. 

Chase told me that it was a valid charge since I stayed in the room and there was nothing they could do. I explained to them for hours that I did not have a choice to leave the hotel, and arguing with the hotel went nowhere, but they refused to credit the charge even partially. If businesses and merchants can hold customers hostage and their credit care companies wo n't stick up for them after the fact, that is unfair and needs correcting. 

2 ) Me and a companion were traveling from XXXX to XXXX, XXXX on a XXXX flight. We checked in XXXX suitcase and had XXXX small roll on bags and XXXX handbags. The gate agent checked in our first bag and said the other bags were fine to carry on. We go through security, to the gate, and when we 're boarding, the gate agent, at the last minute, says we have to pay for the roll on bags to be checked in. There were many other passengers she let by with similar sized roll on bags, but happened to stop the only non white looking people and asked them to pay. I 'm not saying this was clearly racism, but it sure seemed that way. The lady right before us and the lady after us both had roll on bags the agent paid no attention to. I argued with the agent but at this point I had no choice but to pay and get on the flight. we had already checked in, were at the airport, gate, and one of our bags was ALREADY checked in to the flight. I asked for a full refund from Chase and they are not processing that either. 

This essentially allowed the airline to extort my companion and me with no consequences. There is XXXX flight from XXXX to XXXX, XXXX every day. This was the flight. My check-in bag was already on the plane. I did not have a choice to NOT take the flight, which is what Chase is telling me. How could I do that? My bank and credit card provider should be defending me and siding with me against merchants that prey on customers like this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland funding is reporting a collection for an account that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time. This single account violates several laws including but not limited to FCRA XXXX U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section 806. The account was for XXXX XXXX XXXX XXXX / XXXX. I paid XXXX off many years ago. I contacted Midland and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX. That is false.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Negative Credit from Unknown Creditors. 
Spouses name incorrect. 

In correct Credit score ( s ) ( lower then actual score ( s ) )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: My Kohls credit card was hacked on line on XX/XX/2017 Kohls sent XXXX email gift certificates to a gmail account which they refuse to divulge due to privacy rights. No confirmation email was sent to us as Kohls claimed the box was checked not to send a confirmation. We used the account on XX/XX/2017 There was no record of the alleged gift cards. 
I received my bill on XX/XX/XXXX and immediately reported the fraud. Kohls opened an investigation and from that point on, the have continued to lie and refuse to provide any information on who they sent {$300.00} worth of gift cards from my account

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted Chase Auto Finance since my report shows that the account was over 30 days late and the account has never been over 30 days late. The representative in the credit disputes department stated that he would investigate it for me since I am in the process of purchasing a home and this has ruined my credit score. The representative told me that when I requested a deferment that is what caused my account to show as over 30 days late. I explained that I was not advised of that, and had I have knows that was going to happen I would have not deferred any car payments. I asked the representative that and she explained that would not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receivied a call from a representative from XXXX aka XXXX department last week stating that I owed them XXXX I responded to them that I had no service at XXXX XXXX XXXX XXXX XXXX NJ XXXX in XXXX 2016. 
The representative told me to pay it then dispute it. I kindly denied his request. 
Yesterday, I received a letter of collection from them.

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 11/13/2015 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Rewards

Complaint: I was given an automatic upgrade to my Wells Fargo, which had an increase in the rewards program of XXXX points per dollar instead of XXXX, effective XXXX XXXX, 2015. 
I called at the end of XX/XX/XXXX//beginning of XXXX, and a lady confirmed that the increase was correct. 
I get my XXXX statement, no increase. Called again, then told it would take XXXX to XXXX billing cycles. 
I wait for the XXXX statement, still not given credits and I call XXXX/XXXX/15. I am bounced around to find XXXX side of Wells Fargo shows the XXXX points, but the reward side stills only shows XXXX. Told wait another billing cycle. 
XXXX statement, same thing and I call XXXX/XXXX/15, bounced around again, but this time a supervisor says he will send an email to the rewards side and have them call me on either XXXX or XXXX. I receive no call, but instead have to call them on XXXX to still have no resolution of the now {$150.00} worth of credits I have not received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Debt collection (Payday loan) with Real Time Resolutions, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Real Time Collection Agency were calling me last year about this debt which I was sick last year with XXXX XXXX and never made a payday loan with XXXX, so they were calling me everyday stating that they were going to go to my place of employment and serve me court papers if I do n't call them, and also calling my husband threating him because they never could talk to me, due to me having XXXX, so RS, put this on my credit report, and I have disputed this with XXXX, but it is stil on my report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 've disputed XXXX fraudulent accounts : XXXX XXXX XXXX ( account no : XXXX ) and XXXX XXXX XXXX ( XXXX ) with Experian, XXXX, and XXXX Credit Reporting Agencies. I submitted my Id, social security card, Police Report from XXXX Police Department and Identity Theft Victim 's Complaint and Affidavit in order to block and remove fraudulent accounts. The credit reporting agencies have deleted these XXXX accounts. Recently, I was doing my refinancing and discovered tha Experian Credit Reporting Agency reinsert XXXX XXXX XXXX and XXXX XXXX Services accounts back to my credit report. Please help me to resolve this problem.

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was denied being added on to my company 's checking account. My Chex Qualifile report says I have an unpaid closure, but gives no information as to who that bank account was with, the amount owed, or any other information that would allow me to investigate the issue.

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 04-12-2017 about Credit reporting () with Experian Information Solutions Inc. (WV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I filed a dispute regarding a charged off account that is still show a balance when the balance is XXXX. They stated that the account is verified but they never send me how they got the account validated. Also I have inquires that are not authorized nor I received any credit from them. they are refusing to delete those inquiries. Charged off account have balance. NO CONTRACT the information is innacurate and I have notified them many times by phone an by letter.

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 08-04-2017 about Debt collection (Payday loan debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: SPRINGLEAF FINANCIAL REFUSES TO PROVIDE VALIDATION OF THIE DEBT IN WRITING TO ME AS REQUESTED VIA FAX, TELEPHONE AND EMAIL. THEY FAIL TO PROVIDE INFORMATION CONCERNING THE INSURANCE THEY COLLECTED ON THIS ALLEGED DEBT. THEY HAVE N'T RETURNED THE TITLE TO THE XXXX XXXX XXXX XXXX THAT WAS USED TO OBTAIN THIS DEBT. THIS DEBT SHOULD N'T BE REPORTED ON MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MT).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Late fee

Complaint: All my credit card accounts are set up on automatic bill pay that offer the option to automatically pay the minimum amount due ... except Bank of America. So, not having information on how to accomplish a minimum payment automatically, I checked the minimum listed and added {$5.00} to it. Well, yesterday I received an email saying my payment was past due and was charged {$16.00} for a late fee. Upon calling them today, I learned that they had upped their minimum payment without notifying me so my payment was not accepted and I was charged. This is the second time that Bank of America has charged me an unfair fee. The first was with their changing the due date by 5 days without notifying me and claiming it was because there was a different number of days in the billing cycle. I did find out that there is a way to set a minimum payment but you have to go to a totally separate page that I was never told about to do it nor were there instructions on the page to set up auto pay.

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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have filed for Chapter XXXX bankruptcy and i did not authorize all the inquiries on my credit report. my credit score has plummeted to nothing and i am trying to purchase a home and this keeps me from owning my First Home and being  treated equally like every other consumer. I would like all of these removed because they were never authorized to look at my credit by me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: Today I tried to open an account wi th Wells Fargo. I   already have a previous joint account with them. It sent a form back from   XXXX   XXXX   XXXX   not allowing the account to be open. My home was burglarized back  in 2012    and I have been experiencing identity theft since then. The accounts open in my name with wells fargo and other locations they are using the wrong social security number, They are changing the last digit from a  XXXX  to a  XXXX  and its still allowing them to open things in my name.

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 11/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: So I paid GC services in full for a traffic ticket in XXXX 2015 due to an error ( court changes ) in long beach courthouse they were telling me I still owe XXXX $ after many attempts in person and over the phone to get the paid debt removed it 's still has shown up keeping me from getting a license in the past. They also agree and gave me proof that I paid but it is still showing up online and at the dmv.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: MY XXXX XXXX ACCOUNT NUMBER XXXX, IS REPORTING LATE ON THE CREDIT REPORTING AGENCIES, FOR WHICH IS INACCURATE, PLEASE HAVE THIS INACCURATE INFORMATION DELETED FROM THE RECORDS. PLEASE FIND ATTACHED THE CREDITORS LETTER FOR APPROVAL THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: This is a follow up to Complaint ID No : XXXX. I made a complaint about SunTrust bank and the unduly charging of fees. Part of this complaint was also that I requested that my account be closed as I wanted no further dealings with this bank. The request was made written and verbally on XX/XX/2017. The bank immediately closed my savings account however to date, are refusing to close the checking account. They are stating that there is a balance owed. I agreed and requested that they close the account and send an invoice for payment for the balance owed. I would in turn make payment on that balance within 5 business days. The bank has refused to close the account. I was told that the account would be locked from activity. This also did not happen. They have allowed transactions on this account in an effort to again extort fees. I was told by one representative that if the account was closed that it would be sent to collections. I advised them to do exactly that and I would pay the invoice sent by collections company. This has not happened. I absolutely refuse to do business with SunTrust and I have told them this on the many occasions that I have requested that this account be closed. I am now reaching out in an effort to get this account closed so that all ties can be severed!

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 06/26/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: This is in regards to my Toys R Us Charge. In on XX/XX/XXXX, with a XXXX balance on my card, I made a {$28.00} purchase, but did not receive a statement in the mail. I called on XX/XX/XXXXto inquire about my statements, I was told they were set to electronic and I asked to have that changed to paper. I paid the balance of the card, and returned it to XXXX. Because I keep a XXXX balance, I am not mentally aware of the payment cycle and require statements to remind me of payment amounts and due dates. In XX/XX/XXXX, I made a total of {$230.00} in purchases. In XXXX, I called because I still had n't received my statement. I was told it was mailed on XX/XX/XXXX, to which I stated that it was a Federal Holiday and the USPS was closed. I was assured I would receive it. I made several more calls advising that I had not been receiving statements until XX/XX/XXXX, when I was told that the spelling of my City was not correct, and it was updated. I asked for copies of all the back statements. I sent a letter on XX/XX/XXXX requesting that the late charges be credited back to me and any interest paid on those charges be credited back as well, due to their error in sending my statements to the wrong mailing address. I received the back statements in the mail, as well as subsequent statements but no response to my written request, it has been more than 60 days. I have again brought the account to a XXXX balance. I paid a total of {$350.00} for {$230.00} in purchases. The fees and interest totaled {$120.00}, over 52 % of the total cost of the items. The resolution I am hoping to achieve is a refund of the late charges and interest paid on those late charges. The issue receiving my statements has been addressed.

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have mailed a multiple inquiry removal letter on   XXXX   in order to dispute information on all  3  credit reports. in regards the hard inquiries that are being reported on my credit reports. The request i submitted included hard inquiries that are not factual and i recieved the same response for ALL inquiries, which stated all inquiries are factual record of file access. If you believe this was unathorized contact creditor. According to FCRA Rules, F CRA 623 ( B ) ( 2 ) AND 611 ( A ) ( 1 ) it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the cra mist delete disputed informa tion from its files. The fact that i recieved a response 4 days later one can only assume there was no investigation, I am submitting this complaint due to lack of investigation. This is unfair pratices by the credit reporting agencies with no concern for the consumer credit worthiness.     these are the disputed inquiries   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX      XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Bank

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