milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I WAS NEVER PROPERLY SERVED WITH A summons, XXXX XXXX & XXXX XXXX XXXX enter a affidavit for garnishment on XXXX/XXXX/XXXX WITHOUT ALLOWING ME TO DISPUTE THE DEBT OR VERICATION, THE WAY I FOUND OUT THERE WAS A PROBLEM MRS.RHODES THE PRIMARY ACCOUNT OWNER WENT TO XXXX XXXX THAT WAS WHEN THEY TOLD HER ACCOUNT WAS FROZEN ON XXXXTHEY ARE BREAKING THE LAW IN MANY WAYS GOING AROUND OUR BACK TO COLLECT ON A DEBT THAT I REQUEST FOR VERIFICATION, ATTACHED IS WHAT XXXX XXXX SEND TO ME ITS A TRIAL CALL ORDER ENTER FROM DIFFERENT LAWYER ON XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: This complaint regards a dispute that I filed with Transunion regarding medical bills from XXXX XXXX XXXX Hospital. The dispute was filed XXXX XXXX,2015 and an additional dispute was filed on XXXX XXXX, 2015 against the XXXX. I received a letter from Transunion dated XXXX XXXX, 2015 ( see attached ) that stated additional time was needed. Both of these disputes were independent of the other and should not have complicated matters with Transunion. It has been in excess of XXXX days since my initial dispute regarding the medical bills and I still have received no correspondence from Transunion regarding either matter. I contacted CFPB again on XXXX XXXX, 2015 and received correspondence stating that Transunion had sent a response stating that a copy of my credit report would be sent within XXXX days. Todays ' date is XXXX XXXX, 2015 and it certainly has been in excess of XXXX days since my dispute was filed and I would request that this information be deleted from my credit report. My initial dispute stated that at the time of the hospital visit I was fully insured and the bills should have been completely covered by my insurer at the agreed upon cost between the insurer and the hospital. 
Again neither of the disputes had anything to do with the other and should not have complicated either dispute so the additional days requested was not needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: During sometime around XX/XX/XXXX or XXXX XXXX 2016,  XXXX XXXX closed a checking account that I had with and did not explained why they closed the account I also had a credit card with XXXX XXXX. Once XXXX XXXX closed the account, I had somewhere around $ XXXX {$14000.00} in my checking account. I went to the bank because I needed to make a withdrawal and make a payment on my credit card account. I was informed that my account was closed. I then inquired as to why my account was closed and I ask " how do I withdraw my money from the bank ''. 

I insisted on make a payment, but was informed that they would not take a payment from me. I needed to make a withdrawal, but XXXX XXXX would not allow me to make a withdrawal or accept a payment from me. The teller at the bank told me that they would deduct what I owed on the credit card from my checking account and they mail me the difference. XXXX XXXX did not deduct the amount of the balance on the credit card from my checking account immediately. Instead, they deducted the money from my account much later than they indicated and did intentional financial harm. XXXX XXXX made the payment on the credit card late and it resulted in a 30 day late on my credit file. Eventually, XXXX XXXX did mail me the correct amount after making a payment on the credit card. The limit on the credit card was {$1000.00} and the balance at the time was no more than {$800.00}. 

Up until that time, I 've always made payment on time and I never had a late payment. My checking account always had a positive balance and I did not have returned checks due to insufficient funds. 

I have contacted XXXX XXXX and ask them to correct this error, but they have failed to assist me in correcting an error that they made. 

CFPB, Please help me to resolve this matter. This late payment has caused me much distress and hardship and is severely affecting me in consumer transactions. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX is claiming I owe {$1900.00}. This is a debt on my credit report filed by XXXX XXXX. However, the debt amount is wrong and this account was not just mine it was my sister and mother.I am not responsible for the whole {$1900.00}.

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 01/20/2017 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (VA).
Issue: Taking out the loan or lease

Complaint: This complaint is the dishonesty of Flagship Acceptance Corporation, LLC and the predatory lending practices. XX/XX/XXXX I purchased a XXXX. purchase price was {$19000.00} with a 13.49 % interest rate payments of {$390.00} per month with a 72 month loan term. If Flagship records their calls as the claim to, Flagship would find that I 've asked over a numerous times about lowering the 13.49 % and I was told Flagship does not change the terms of their loans. Also I received a letter response from XXXX basically saying the same thing. I tried to get the vehicle refinanced to avoid paying {$28000.00} for a {$16000.00} vehicle because the XXXX is considered a used vehicle and is difficult to refinance because the interest rate caused me to be underwater in my loan. Although I paid late due to situations beyond my control. From XX/XX/XXXX to XX/XX/XXXX Flagship received over {$7700.00} from me and I still owe {$17000.00}. I received a call from XXXX office XX/XX/XXXX regarding my amount due and interest rate and Flagship agreed to drop the interest rate to 8 % payment {$330.00} with the a 72 month term. When I informed Flagship that I filed chapter XXXX the representative told me that they will not go lower than 8 % I asked if she could submit a request for a lower interest rate. My lawyer XXXX Esq.receive a letter from Flagship agreeing to drop the interest to 4 % and reducing my payment by {$2.00} per month 72 months. The blue book value of this vehicle is {$8000.00} and if I surrender the vehicle that the only amount legally that Flagship could sell this vehicle, yet they want me to pay {$17000.00} for this vehicle. In my opinion this is not an ethical business practice similar to the pay day loan/cash advantage trap. Also Flagship Credit Acceptance LIED when they say they Flagship will not under no circumstances lower the interest rate and change the terms of the loan. A new interest rate a monthly payment was changed was offerred twice

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 05/18/2017 about Money transfer, virtual currency, or money service (International money transfer) with DISCOVER BANK (CA).
Issue: Other service problem

Complaint: I sent a wire international transfer from  XXXX   XXXX   XXXX  to discover bank on  XXXX / XXXX /   2017  and got rejected by  XXXX    XXXX    (   XXXX   XXXX   ) be cause the name is Discover instead of a real person name.Now my fund has been returned back to my  XXXX    XXXX   XXXX   and been deducted {$15.00} fee by  XXXX   XXXX , I also lost  XXXX  which equals to {$46.00} USD of the wire transfer fee which charged by  XXXX   XXXX   XXXX .   I am so frustrated because I follow the exactly instruction that discover bank provide. There is nothing wrong from my side and my lost is cause by the wrong information discover provide.I use discover service because it do not charge any incoming wire transfer fee.But now I lost even more. Both time and money. At least,  Discover  should be responsible to provide the wrong info through its website.   Wire out {$43000.00} Money refund {$43000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Medical) with Jon Barry and Associates, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone used my information in creating this debt or account and it is not mine. i have filed police reports and had affidavits notarized in this matter this company seems to be reporting information from an issue where somein has forged and used my idenitity to get this account open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Experian LLC XXXX. Box XXXX XXXX, Texas XXXX Credit File Number : XXXX XXXX XXXX XXXX XXXX XXXX # *********** ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : 15 U.S. Code 1681g Section 609 - Disclosures to consumers Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to  consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. Public XXXX XXXX XXXX XXXX XXXX XXXX Identification Number # XXXX Filed : XXXX Claim Amount {$8800.00}. 

This information should not be reporting on my credit report due to XXXX XXXX CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my Experian credit report immediately.

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 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed this money that they say I owe.each time I dispute this on my account the original dates change This has been on my account and have been sisputing since XX/XX/XXXX now since the last dispute they are showing the date of the year XX/XX/XXXX.I have also asked this to be verified with the a signed contract with my signature with all XXXX credit bureau which has not been presented. I want then to stop and remove from my credit report or provide a signed contract which I have never done with this company.Diversified Consultant in XXXX Fl

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Account opening, closing, or management

Complaint: PNC Bank never gave me the promised sign up bonus. They bait and switched me into an account. Then, I deposited a check and forgot to authorize it. It 's a new knid of check I did n't realize I had to pre-authorize. So, I went back and put in another check and the bank kept it and told me my account was closed. I contacted the bank ASAP telling them I put a stop pay on the check and they reported me to XXXX for fraud. 
I also contacted them and asked to be opted out every way possible via their privacy policy and they claimed they could n't do it because my account is closed, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: i have great credit capital one refuses to give me a loan why Race?

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Mortgage (VA mortgage) with BB&T CORPORATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Wrongful Foreclosure, Unlawful Detainer and not including all documents in a Qualified Written Report request. So I could ascertain any and all issues. The attachments are everything I received in my QWR packet which I requested on XXXX XXXX XXXX. The report was run on XXXX XXXX and the DEED of TRUST was not signed over until XXXX XXXX XXXX on XX/XX/XXXX Also Banking Branch and Trust Co. did not have the Assignment of Deed of Trust until XXXX XXXX XXXX after the foreclosure process had been started. That is just a few issues I found once everything was done. There was nothing in the QWR about my REFI i did in XX/XX/XXXX but according to Banking Branch and Trust they already owned the debt. That is not everything but that is just some of the main points.

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 02-03-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed information on my credit report that was out of date and inaccurate. Bankruptcy and a student loan. After speaking with the Student loan department they told that the account was closed and taking over by another company which i knew already because i had sent the form in to Equifax dispute department to remove the old account of the student loan. Some guy got on the phone and read of some account number that didnt belong to me and refused to delete the items from my credit report. The bk is 7 yrs old and was filed under a lawyer who banned from practice and the put the filing void status. They where very unprofessional and did not follow the law of dispute. I specifically asked them to tsend me proof of the results of my disputes and they felled to do and does not want to delete inaccurate information on my credit report. This matter has put alot of stress on my and as im trying to finance a home. And to have a credit bureau of such handling your credit file is heart breaking. The creditors have asked Equifax to remove the items and they will not do it. For the XXXX. I need some reinforcement to make them do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I 've repeatedly reported to Experian that people are applying for credit in my name. I continue getting alerts that my credit file is being accessed. I recently received notification of inquiries I did n't authorize from XXXX XXXX XXXX, 2017 & XXXX XXXX XXXX, 2017. These are fraudulent inquiries that must be removed by law.

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 03/23/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Making/receiving payments, sending money

Complaint: I receive a large amount of cash as a loan from a company to do a loan consolidation. I went into that bank to pay off their loan and was advised that they would process my transaction as a cash advance. The transaction was initially declined due to the daily transaction limits. Immediately I received a call from Chase 's Fraud department ( XXXX ) asking if the transaction was something that I was doing. I explained the transaction and asked if I were to be charged any additional fees by processing this transaction and was told NO. They then increased my limit for this payment, and I paid off the loan at the other bank. Days later I received a {$560.00} fee. I called customer service ( XXXX ) and was advised that it was a bank error and that It was approved to be refunded, and the money would be in my account today. I began processing additional transactions later that night. I called today after seeing the funds were not in my account and was told the transaction was declined because it was n't a bank error. I called today to speak with a supervisor ( XXXX ) who was very unprofessional and confused about her processes or her job responsibilities. I then asked to speak with her supervisor ( XXXX ) who informed me that this would be declined, not understanding the seriousness of what transpired. This is going to cause my NSF charges, and without this money I will not be able to pay my rent and incur additional late fees etc because of that. I 'm a good customer and have never had an issue with the bank or any bank for that matter, and just want them to honor the information that I received and refund me ( immediately ) the money that they stole. I will be looking for a new bank immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2015 about Consumer Loan (Title loan) with WELLS FARGO & COMPANY (SC).
Issue: Charged fees or interest I didn't expect

Complaint: in XXXX of 2010 we purchased a car. in sc you have 45 days before payment is due. however they started in XXXX for XXXX payment even though we put down payment taxes title etc, at the time of purchase we were unaware of any problems and with my spouse having XXXX English from another country there was a time 1 yr later we had gone through a hardship and needed to break payments up. we were told to do so online and put wrong account # down by XXXX number. that " wrong '' account was active and excepted the payments all in full. it took us 2 months to be caught up. while out of town the car was repo. we came home 5 days after car had already been soled in atl ry. our bank tried to let them know with payment history that the funds were accepted on there end and confirmation was sent back to us. however they used the XXXX payment for reason to pick up car. the car was a 745 bmw 4 yrs old and. in perfect condition we owed XXXX left after a XXXX loan. and sold for XXXX at action in atl, within 5 days. our credit is terrible due to wells fargo stating we still owe XXXX with fees and interest. help please.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Rewards

Complaint: I opened a Cash Rewards credit card with Bank of America in XXXX in XX/XX/XXXX. I was told by both the brochure and the onsite staffer that the card offers a {$100.00} bonus as long as my spending exceeds {$500.00} during the first 90 days. However, even though my total ( as well as individual ) purchases for the first XXXX months exceed {$500.00} ( {$1000.00}, {$680.00}, and {$570.00} respectively ), I have received no bonus up to now. I called XXXX on XX/XX/XXXX to inquire about the incident, but the customer support failed to provide an adequate explanation, saying only that the incident was too dated and that I should have called earlier. I requested to speak with her manager, but was told her supervisor was unavailable. She promised to take note of my request and call back, but I have received none up 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 monetary relief
Consumer complaint received 08-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are incorrect names and a address that I have never lived at, not even in that town.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Payday loan) with Essential Retrieval Group (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I spoke with the rep XXXX and informed him this was my work # he was calling and indicated I recorded the conversation asking him not to call the work #. He said that wont happen and hung up on me. I also forwarded a text message to the # he called from which is the same # calling my job now everday. I have those calls and message saved even though it is an automated call. It has been over XXXX times now.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a 1995 bankruptcy process in case of chapter XXXX and recently asked for a car loan and I refused it because that chapter appears on my credit report and all debts. Trans Union call and tell me that is not in the report. but request in XXXX different places and all XXXX appeared they told me that Chapter XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief