milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I used a credit repair company ( XXXX XXXX XXXX ) who promised to get me into a home. I am filing a separate complaint against them, but this one is about the credit bureaus and them not removing the disputes that XXXX XXXX XXXX filed on my behalf. I have called and sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all three bureaus. They have not removed the disputes as I have requested.

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 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: On Tuesday, XX/XX/XXXX, I received a phone call from XXXX XXXX 's fraud department, my credit card company. Today, Wednesday, XX/XX/XXXX, I contacted the XXXX XXXX fraud department. They indicated that my credit card account was closed by the credit bureaus due to " a fraud application '' .I asked to speak to the manager to gather additional details and they were not willing to provide additional details except for the phone numbers for XXXX  XXXX XXXX XXXX and TransUnion They also stated that there's nothing else that they could do. I have had my credit card with XXXX XXXX for over a year and have been using my card and paying on it regularly, but the credit bureaus closed down my card without my consent.I contacted XXXX first and was unable to get in contact with a person because there were no prompts available to speak to a person. I then contacted XXXX and had he same issues with them. I was unable to get in touch with a person. Next, I contacted TransUnion, and was able to speak to a person, but they were unaware of the account being closed, but in their system, it's still showing to be active. The representative encouraged me to contact the other bureaus, but I already did that and had the most difficult time getting in contact with them and still never got to speak with anyone.

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 08-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I was approved for American Express Delta Reserve card on XX/XX/XXXX. Terms stipulated that XXXX XXXX XXXX  MQMs ( medallion qualifying miles ) would be posted to my account after the first purchase, and another XXXX Delta MQMs posted after spending over {$30000.00} on the card. I reached this spending threshold on XX/XX/XXXX. As of XX/XX/XXXX, I have received neither the initial XXXX MQMs nor the additional XXXX MQMs to my account. I spoke with an AMEX representative in XX/XX/XXXX, who said the miles should post 8 weeks after the initial purchase, or on or about XX/XX/XXXX, and another representative in XX/XX/XXXX who said that both bonuses would post after the third statement cycle. Both of these time periods have long since passed. On XX/XX/XXXX, an AMEX representative informed me that I would have to contact XXXX XXXX to inquire as to the status of the miles. XXXX XXXX  informed me that they have no record of any miles posting and can not do so until they are allotted by the financial  institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Debt collection (Other debt) with First National Collection Bureau, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My father and I have the same name. I am a "  XXXX  '' and the collection agency was trying to collect a debt from me that was not mine, rather my father 's. I have called the collection agency as well as the credito r (   XXXX   XXXX   ).  They called the situation " skip tracing ''. This was never my debt, but is effecting my  credit score. I just want it all to vanish to raise my score back up.      Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: On XXXX XXXX, 2017, I deposited a bank issued check for {$13000.00} to my Chase account. The check was for the proceeds from a home equity refinancing. The teller told me the check would be available in 24 hours. Therefore, I set up electronic payments to pay off credit cards and medical debt on XX/XX/XXXX, 48 hours afterwards to ensure that the money had cleared. On XX/XX/XXXX, I received two messages from Chase that they could not fund my payment to two of the credit cards due to insufficient funds. I then sent an inquiry since according to my balance I had more than {$14000.00} available. I was informed the check had been put on hold because they had to make sure it was legitimate. In the meantime, my husband wrote me a check in the amount I had written him to cover his cards, and that bounced. He has now accrued overdraft fees and I will be too. So now, this opportunity to provide some relief from credit card and medical debt has now turned into added stress and is costing us money. I find this absolutely unacceptable, especially since the Chade representative informed me that the funds would be available the next day. Furthermore, there is absolutely no reason to hold the check for 10 days ad the bank is suggesting. A quick look into my savings account will show you that every year we make a deposit at about this size. Regardless, the check is from another bank, not a personal check. Finally, this is not their practice for customers who make this size deposit on a more regular basis. This is bad customer service at the least, and possibly discriminatory. It is not ok to hold our own money hostage from us, and charge us for overdrafts when it was Chase that said the funds would be available within 24 hours. I believe this is middle-class discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Trouble during payment process

Complaint: I believe that per the terms of my real estate contract purchasing the property where I reside that I will be eligible to cancel my mortgage insurance in XX/XX/XXXX. I have contacted my current loan servicer - PennyMac - on two separate occasions, asking them to provide me with the information that I need to cancel PMI, but to date, no information has been provided. PennyMac has simply chosen to disregard their obligation to tell me exactly under what circumstances my mortgage insurance will be cancelled, and instead has repeatedly told me that I just do n't qualify at this time. The first letter I sent was in XX/XX/XXXX. PennyMac responded in XX/XX/XXXX with a letter that stated that I did n't qualify. I responded to their letter with a letter dated XX/XX/XXXX demanding that they provide me with complete information regarding how and when my mortgage insurance could be deleted, which was ignored. I wrote again in XX/XX/XXXX in anticipation of the approaching date when I could cancel my mortgage insurance. Once, again, in a letter dated XX/XX/XXXX, PennyMac did not provide me with any information regarding when and how my mortgage insurance could actually be cancelled, they basically just told me that I do n't qualify now, and that 's it.
I personally believe that this is an attempt on the part of PennyMac to deter me from not only cancelling my mortgage insurance now, but also to discourage me from inquiring about it in the future. It seems to me that they may just believe that if they simply continue to deny me, without providing detailed information regarding exactly how and when I can cancel my mortgage insurance, that I will eventually give up, and just continue to pay the premiums, maybe for many years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Checking or savings account (Checking account) with U.S. BANCORP (OH).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I opened up a US Bank account a couple of months ago. I was never informed that it would accrue monthly service fees and while I was using it, the account never accrued service fees. I then stopped using it and I believed that it would continue to remain at a zero balance and that was that. However, a couple of days ago, I found an envelope with a letter that stated the account had been charged off and that I owed US Bank {$44.00}. US Bank never sent me a letter warning me of a charge off until the charge-off has already taken place!

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 09-06-2017 about Debt collection (Other debt) with U.S. BANCORP (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Last XX/XX/XXXXeye opened checking and saving account per directives by XXXX XXXX of XXXX XXXX ca in response to his offer that eye accept business opportunity as mystery shopper and then XXXX XXXX brought to my door repeatedly postal money orders for deposit and withdrawal to send money by money gram. eventually US bank of XXXX started saying that the deposited money orders were fictitious and now they have closed my accounts and say that eye owe them over four thousand dollars. Eye have contacted both the CIA and the FBI besides the inspector general about the matter and have had no response. The money orders have not returned to me, just copies had been mailed. 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 06/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an account with XXXX XXXX XXXX for a cell phone over 5 years ago. i call altleast 10 times because my bill was so high because there was always extra charges on my bill ( data, games, apps ect. ) that i did not purchase. The customer service agent woulsld apologize and tsake off the charges and assure me this would not happen again. but it did a lot. the final incident was when my checking account bounced because my XXXX XXXX XXXX bill was so high from being frivolously charged for stuff i did not purchase or data. i was so upset i demanded to speak to a supervisor because i was so upset. The supervisor apologized and took off all the frivolous charges, i told the supervisor i did not want service from XXXX XXXX XXXX anymore that i could n't afford my bank account being over charged and i was so unhappy with the service. i wantedmy account closed. the supervisor tried to give me every offer she could so i would stay with XXXX XXXX XXXX. i finally told the XXXX XXXX XXXX supervisor that i was going to cal the XXXX and file a complaint against them for breach of contract and their horrible service. The supervisor said sahe would close the account, i still had to pay for that month and the XXXX XXXX XXXX supervisor closed my account with a {$0.00} balance. and i went to a different company. In XXXX 2016 i became a member of credit Karma and i was looking over my credit report and saw a account in collections for AFNI for {$480.00}. The collections account was for XXXX XXXX XXXX mobility. I cALLED XXXX XXXX XXXX and the customer representive said there was nothing they could do because the account was turned over to a collection agency. I said a {$0.00} balance account? XXXX XXXX XXXX were rude and said to call AFNI. I called AFNI and explained what happened with XXXX XXXX XXXX and that i disputed the claim through transunion and equifax, AFNI would not work with me or listen to anything i had to say. the representitive said just pay it, or set up a payment plan. i even faxed AFNI a settlement i received from XXXX XXXX XXXX because there was a class action lawsuit against XXXX XXXX XXXX for what happened to me. AFNI did n't care and just wanted me to make a payment plan. I am so upset with XXXX XXXX XXXX and AFNI for the way i was treated by both companies. i am so upset i do n't know what to do anymore. please help

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX : Chase requested information regarding a credit card requested in my name, suspected fraud. XX/XX/XXXX : Advised Chase that I did not request the credit and it was indeed fraudulent. Chase advised they would cancel the pending application and remove the credit inquiry from my credit report. They also advised me to request a copy of the fraudulent application in writing and they would release a copy to me so that I could file a report of the identity theft. Advised Chase again in writing on XX/XX/XXXX that the credit inquiry had not been removed and that they had still not provided me with a copy of the fraudulent credit card application that I had requested in writing. As of today, XX/XX/XXXX, still no response from Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The website is totally inconsistent. I easily obtained credit reports from XXXX and XXXX but Experian will not process my online request and will not let me resubmit the request. I have no idea of how to dispute this with Experian. They should be required to have a live customer service number.

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 08/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I have a previously complaint number XXXX that Caliber Bank responded to on XXXX/XXXX/2015. I would like to re-open the complaint and dispute the response provided by Caliber. I was unable to respond in a timely manner due to having to relocate after Caliber foreclosed on my home and forced me to leave.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NY).
Issue: Taking out the loan or lease

Complaint: I 'm trying to buy a leased vehicle from a friend who has leased it. The lease term is over and Ally Bank told us what to do so that I can own the vehicle. I sent the Bank Checks to Ally Bank exactly the way they instructed. It 's been a month and Ally Bank will NOT release the title to me even though they CASHED the Bank Checks two days after they received it, on XXXX XXXX, 2015. When you call the XXXX number, they transfer you to " customer service '' and the call actually gets transferred to some XXXX company, totally unrelated to Ally Bank! I really need some help to get the title to this vehicle as they CASHED the Bank Checks and are now avoiding my calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (I do not know) with I.C. System, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently received a copy of my credit report and I noticed that theres an account with collections on my report. I sent a certified letter to the collections agency asking for debt validation in XXXX 2017 I have not received a response from the agency and again i sent another letter asking for debt validation since I have no knowledge of this account or what it could possibly be for or from. I tried reaching out via phone with no success and this negative account is damaging my 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 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: my daughter received a credit card offer from capital one 23.74 % XXXX $ late fee she is a XXXX XXXX and has no income this is predatory..take her off your list where did you get her name and info?

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: When I finally locate the on-line credit dispute electronic form it will not honor the completed electronic dispute log-in page. This is a clearly intentional!! The CFPB should interrupt this website and advise customers to go directly to the paper process as the website is not functional & gt ; But you already know this!! if some consumers are successful then it is a lottery thing. 
What are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propaganda what are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propagandahave several try and confirm what I believe is be the case = independent evaluationXXXX XXXX cell XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: some guy name  XXXX   XXXX   XXXX  kept pretending to be me I do not know who this individual is.          XXXX  account reported on  XXXX   XXXX ,  XXXX  This agency did not report an open account to this bureau.   Open Account #  XXXX  {$1600.00} Balance  XXXX   XXXX  Creditor {$1600.00} High Balance  XXXX   XXXX ,  XXXX  Opened Date  XXXX   XXXX ,  XXXX  Last Reported Individual Account.   Responsibility -- Remarks Note

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Mortgage (Conventional fixed mortgage) with Aspen Yo LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: 1 I have been paying my mortgage to Gregory Finance Company for 3 years and now I need to refinance my mortgage. They have not sent my payment history to the credit bureau. 
2 I was verbally told by them I need to pay {$1800.00} to bring my account current which was due to some disputed charges. I was to get back {$5900.00} in escrow and to date they have refused to pay me back my escrow overage. I could not get any written communication from them

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Contacted company and I have unauthorized inquires from companies Inquires are-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 listed XXXX, only authorized one, XXXX XXXX only only authorized one, and they will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Unsolicited issuance of credit card

Complaint: I authorized Old Navy to open a new Old Navy store credit account due to the discount associated with this. The Sales associate proceeded to initiate the process, never disclosing that the credit account in question was a Old Navy Visa card. My permission to open a Visa credit card account was never requested nor provided, I only provided permission to open an Old Navy store credit account. Despite this, I received a new Old Navy Visa card in the mail a week later.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my XXXX credit report. i was told by the collection co. rep " XXXX XXXX '' that the account is being reported correctly. spoke to attorney XXXX XXXX and was told they have to update and report the account correct.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo, without my permission, issued a {$60.00} withdrawal to XXXX XXXX, Officer ( XXXX ) XXXX. That withdrawal caused an overdraft. I had already opened a new checking account at a different bank and had tried to close my Wells Fargo account but they would not close stating they do n't close accounts with incurred fees.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was informed from my employer that a garnishment has been placed on my income. I then called Midland funding about the garnishment. They stated that they had sent me numerous letters to which I never received and that they had also served me with legal documents back in 2014. I stated to them that I never received any legal documents regarding their debt. They stated to me that the paperwork was not given to me directly that it was just given to whomever answered the door. I have n't a clue who could have been handed this personal, private information filled legal document as I was not staying at the address they had mentioned at that present time. So I was never able to dispute this debt that they are claiming that I owed to them. When asking who the original debtor was they stated that it was from a credit card company that I have not been a member of for the past XXXX years which means even by 2014 the original creditors debt should have dropped off or charged off. I am now facing Financial hardships due to their lack of business ethics.

Company response to consumer: Closed with non-monetary relief