milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have inquiries that were previously deleted that have now showed back up on my credit report for the following companies due to an error. XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX jeep XXXX/XXXX/XXXX. These showed back up on my credit report with no prior notice as required according to FCRA. Please have these removed from my credit report as they were previously. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On XX/XX/XXXX i went to Chase Bank,XXXX XXXX XXXX, XXXX , CA.XXXX ( XXXX ) XXXX, to open a checking account. After the employee " XXXX XXXX '' processed my personal info told me that she couldn't open the account, because there was a notice of a previous checking account ( which i closed with XXXX  balance ), but she never told me what was reason. After several calls and wasting 2 hours of my time she opened the checking account. After i received the welcoming letter and the Debit card i received a call from " XXXX XXXX '' to go back to the Bank with my personal mail in order to prove that my address is correct. On XX/XX/XXXX i went back with mail to prove my address.After she called two departments of Chase, she told me that Chase blocked/deleted my checking account without explanation even though i insisted to tell me the reason. Throughout my time with " XXXX XXXX '' her Supervisor was monitoring everything which was Unprofessional. The phone # she gave me is ( XXXX ) XXXX ( Operating Loss Prevention ) which i called on XX/XX/XXXX and spoked to employee XXXX ( female ) who was Rude and Racist for pretending that she don't understand me because of my accent ; i called this # ( XXXX ) XXXX on XX/XX/XXXX which is a phone center in XXXX, they were unprofessional and couldn't explain the note of my previous account. I feel that i am a victim from a Fraudulent and Racist/Discriminatory Company, because i asked to open a checking account.  Plus they willn't return my initial deposit i made to open the account. Chase Bank was Bailed out with taxpayer money ( like many other Companies ) on XX/XX/XXXX for Defrauding consumers and other Companies around the World, but after XX/XX/XXXX continue the same tactics. American Government should be proud for doing that, but never bailed out any consumer from those Fraudulent Financial Companies/XXXX for being Defrauded for so many years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i pay account in full and it is sill on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: It is my fault that my account became in overdrafted  XXXX   XXXX . I lost track of what had and had not been deducted.  The Charges Float and  transactions do n't appear for days -- making it difficult to estimate how accurate my online checking is. My account overdrafted, payment where returned/ denied. I transferred funds and payed the  $ 200+ in  fees for every specific over draft item on  XXXX   XXXX .     What I can not accept is when the company, without my authorization allowed other companies they rejected payments from to   Retry Pymts, which in effect created another {$200.00} in fees to stack up only a few days after bringing my account to balance. I would have closed my account if I thought something like this would happen.
Fifth Third Bank does not record charges and purchases on ATM or debit cards in the order they actually occurred, they allow charges to float for days, then reorder them to suit their overdraft system. The Charges Float and   transactions do n't appear fo  r days -- making it difficult to estimate how accurate my online checking is. Fifth Third Bank reorders the charges and purchases so that the largest charge or purchase is the first one paid by the bank, and uses the smaller ones to rack up overdraft fees of {$37.00} each.
They did this to me twice in less than a week. They over-use the Return Item/Overdraft, then allow indefinite Retry Pymts r  equests to be processed, even when its already in overdraft, stacking up fees of {$37.00} for each retry payment, which they allow without my authorization. They should limit the numbers of retrys.     I would prefer my account just be denied use if it is over-drafted. Its not just to charge an account that is already in over draft several times more there after. This company is close to charging {$400.00} in fees in less  than one w eek. I want to cancel my primary checking account.     Customer service informed me that I must keep my primary checking to deposit my pay-checks in a timely manner. I will switch all my charges to my express checking account, becaus e 5th 3rd customer s ervice has assured me that that account will not allow overdrafts, or overdraft fees to stack up like my current primary checking.     When I receive my next pay-check on Thursday  XXXX   XXXX    XXXX   I will deposit it into my account and let the cash sit in there for a couple days to catch the rest of these floating repayments. I will go through every third pay system and delete the primary checking account number.     I feel like the second + {$200.00} dollars in fees they have applied to me is unfair and unjust, especially because I had no control over authorizing the  Retry Pymts requ ests.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I traded my XXXX XXXX to XXXX XXXX in Virginia. The dealer issued a payoff to Wells Fargo Dealer Services on XXXX/XXXX/XXXX, mailed it overnight on XXXX/XXXX/XXXX, and it was received by Wells Fargo on XXXX/XXXX/XXXX. Tracking information verified this through the dealer. I contacted Wells Fargo on XXXX/XXXX/XXXX to determine why my vehicle still does not show paid off. I provided tracking info with the address and the information. I was told there was nothing they could do and I needed to wait longer. I am already late on the payment now that was due on XXXX/XXXX/XXXX and the late fees will begin on XXXX/XXXX/XXXX. This loan should have shown as paid in full on time on XXXX/XXXX/XXXX. They also could have had a processing error, but the representative should have opened up a case or investigation to track down the funds. I have done all that I can do to prove that the payment is there, but they have n't processed it.

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
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: I was going to apply for a credit card and mortgage in XX/XX/XXXX but found that my credit score had dropped from over XXXX to mid XXXX. I did pull my credit report on XXXX XXXX and found that XXXX XXXX was reporting twice and with a 90 delinquency. XXXX was taken over or sold to XXXX XXXX around that same time the delinquent reporting started so it was reported incorrectly. We had our mortgage company contact the two incorrectly reporting credit bureaus, XXXX and TransUnion to have them investigate and change the reporting errors. XXXX XXXX company was the company that submitted this request around XX/XX/XXXX. They said the change is usually made within 7 days of the request. They submitted all the documentation that they received from XXXX stating the account was paid on time and in full. We waited 30 days with no changes. I then filed a complaint myself through the credit bureaus on XX/XX/XXXX and again submitted all necessary documentation. I had to purchase the credit reports so I could then file the complaints and asked for the investigation. This is a simple case of improper credit reporting and this should have been rectified immediately. This is now going on two months.

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 12/13/2016 about Student loan (Non-federal student loan) with Equitable Acceptance Corporation (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I was solicited on line for a student loan forgiveness program in XX/XX/XXXX. After all the information was given to XXXX, I was told that all my student loan would be forgiven except for {$1300.00}. I was sent a letter to set up payments through XXXX I have been paying them {$39.00} a month for 1 year as of XX/XX/XXXX I still kept receiving bills from my dept. of education loan. This company did nothing for me. 
In the meantime, I was given a ( TPD ) Total Permanant XXXX status by the dept. of education. I started the process with the XXXX in XX/XX/XXXX I was not obligated to pay XXXX during the application Process. In XX/XX/XXXX I was absolved of the loan by XXXX. of XXXX. 
XXXX has continued to harass me by phone, despite my sending the information to both XXXX Advocates, and XXXX. I had to close my bank account to stop them from taking my money. 
I notified these XXXX companies by email, sending copies of my discharge, XXXX says they ca n't discharge the loan unless XXXX Advocates says they can. Student Advocates refuses to send my discharge to them, because they are in this together! I have been charged 17.99 % interest on {$1300.00} and it wo n't be paid off until XX/XX/XXXX 
I filed a complaint with the XXXX. of XXXX in XX/XX/XXXX and was encouraged to file with this agency as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Bank of America did a hard credit pull on my account on XX/XX/XXXX and XX/XX/XXXX I have asked them several times to provide verified authorization of the hard inquiry. They have yet to produce the verification and they told me they will not remove it from my credit report i am a victim of inquiry issues. I call all 3 CRA and they are not removing them after I have spoken to Bank of America reps XXXX # XXXX on XX/XX/XXXXat the cooperate office req # XXXX who stated it would be resolved in 10 days instead i am just accumulating more hard inquires. Pls have these removed it is affecting my credit report and all the CRA do not care because it is better business for them if I have poor credit XXXX, XXXX and XXXX are doing nothing to rectify the 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 11/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from Enhanced Recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing statement

Complaint: I, XXXX XXXX, had Capital One credit card for few years. I had some balance transfer to capital one from other credit card companies and was paying the payments til I found out there are some extra and unknown charges in my account. It was about 2012 that I contacted Capital one to clarify the charges, they just promised to send me detailed information like any signed receipt/slips, but since then they never did except keep sending me all statements from beginning. The Capital One said they can not provide any transaction receipt to me. I was paying monthly fee and expected to receive any response about my inquiry but no response since then. I stop paying my payments and sent them letters and letters and inquired at least a copy of singed receipt by me but the Capital One ignored and said they believe all charges are correct. The Capital One sent my case to XXXX XXXX XXXX, XXXX office and they filed case at court and got the judgment against me while they promised me to provide clear information about the charges and I was paying the minimum payment to XXXX XXXX XXXX XXXX as they demanded. I have asked the Capital One and XXXX XXXX XXXX, XXXX many times and disputed the charges but they Just send me letter that they verified the charges and found out all are correct. If they verify the charges and believe all charges are correct then why they can not send me any proof that charges were done by me. They asked me to provide them any documents that confirms otherwise. I am wonder how can I provide them documents that the charges are not mine.They have to send me proof of charges that have taken place by me. Although, I accept some charges are mine but not all. They do n't want to verify my charges with me and neither are working with me to solve the problem. They asked me to send the a statement for all charges that I confirm, which I did. But instead of checking my charges, The Capital One keep sending me pages and pages of statements without any receipts that was signed by me. I as an social security income receiver can not afford to hire an attorney so I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Consumer Loan (Vehicle lease) with VW Credit (NH).
Issue: Managing the loan or lease

Complaint: My daughter wants to return her vehicle 7 months early and payoff the remaining payments on her lease. XXXX is now telling us that we could be responsible for the difference between what they can sell the car for at auction and what the residual value is. Therefore, I will be at their mercy and could wind up with a bill of {$5000.00} or more. We are totally at the their mercy. I have turned in leased cars before and have never experienced anything like this. They have absolutely nothing to lose. Sell the car for {$5000.00} and stick the consumer with the difference. I do not know how this practice is actually legal. I want all consumers to be aware of dealing with VW and what you can possibly be up against.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: About 45 days ago my auto company removed my loan from my credit report causing me to lose 4years of good payment history and causing my credit score to drop I have made approximately 10 different phone calls talking to upwards of 20 different people always being told the same thing we will get this updated and reported as of XXXX/XXXX/XXXX its still not corrected on my XXXX report the one they removed it from, I have asked repeatedly under the fair credit reporting act they fix this but I get nowhere everyone says I will call you back after I look into it but no one ever does I am to the point I have started looking for an attorney to help me. I applied for a Home loan because my scores where fine but when they pulled it and this wasnt on my report it dropped my scores enough I was denied the loan I am just tired of dealing this and want this matter fixed now

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 09-11-2015 about Credit card () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a letter from XXXX Credit Card account which is served by XXXX XXXX on XXXX XXXX, 2015. After the investigation of the account the claim has been resolved in my favor. They said they were going to have charges removed and I would not be held responsible for the debt. But as of XXXX/XXXX/2015 it is still on my credit report.I did talk to Transunion after I submitted paperwork from the creditor but they have not removed it from my credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (I do not know) with EOS Holdings, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have dispute the appearance of a collection on my account repeatedly that is not accurate and I am getting frustrated by EOS contacting me, calling me and my family members and sending me letters regarding {$360.00} that they think I owe them. I do not owe anyone anything, I have no idea how or where they retrieved this sum since I had settled the sum in full with XXXX XXXX XXXX!!!. I mean this is so old and I can not imagine how and why they continue to pester me. I have asked them to stop and they have refused and I have asked them to stop ruining my credit and they refused. I am certain these unlawful practices are punishable by law, the statue of limitation is far exceeded here with these collectors. My concern is if I settled all of my debts why am I being double billed by this company? Who are they? I even disputed the validity with the 3 bureaus and requested a validation of debt and nothing was provided. Please investigate this and have them remove their erroneous account from my credit profile 's. this is getting alarming!

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Unsolicited issuance of credit card

Complaint: Macy 's provided me with an XXXX Credit Card despite me telling the person in the store and the credit checker that I did n't want it. There was confusion on my part relative to my existing Macy 's account.

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 10/29/2015 about Credit card () with JPMORGAN CHASE & CO. (OR).
Issue: Billing disputes

Complaint: With my Chase credit card, I am unable to schedule automatic payments of anything but the total statement balance or the minimum. I also ca n't schedule payments past XXXX. It is extremely frustrating and ensures that the debt remains high since I ca n't pay off the total ammount at once.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (I do not know) with Choice Recovery, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A credit report reflects that I have an outstanding balance of {$880.00} with Choice Recovery that was opened on XX/XX/2018. I was not aware of this charge until today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Delinquent account

Complaint: Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, with a balance owed, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due, and recall monthly reports of charge-off for the period spanning XXXX 2014 to XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I scheduled a payment online for the due date. It did n't go through and I was charged a late fee. The late fee was removed but my account still showed that the payment was late. This is the second time something like this has happened while I used their online payment service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2017 about Debt collection (Other debt) with Security Credit Services, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I did a dispute with the Credit Bureaus in regards to  Security Credit Services and to validate with proof- ( something that contains my signature ) that I have a debt with their company ( Security Credit Services ). In stead on  XXXX / XXXX /   2017  I receive a letter from  Security Credit Services wit h a contract from another company by the name of  XXXX  saying the debt was mine. I DO NOT HAVE ANY TYPE OF BUSINESS OR CONTRACT WITH SECURITY CREDIT SERVICES. I HAVE NEVER HEARD OF THIS COMPANY NOR HAVE I EVERY CONTACTED THEM TO ATTEMPT TO DO BUSINESS WITH THEM.  Security Credit Services is on my credit report erroneously causing damage that they should not be causing because I do not have a debt with them. Security Credit Services has nothing with my signature or anything showing that I have ever done business with this company. I will also be filing a complaint with the Consumer Financial Protection Bureau in regards to Security Credit Services.

Company response to consumer: Closed with explanation