milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2016 about Credit card () with JPMORGAN CHASE & CO. (AP).
Issue: Other

Complaint: This is a follow up email regarding my original complaint, # XXXX. On XXXX/XXXX/2016, I made an online payment to the wrong credit card company/a closed credit card account in the amount of {$3600.00}. JP Morgan Chase sent a check to the address on file, my former employer, the Federal Bureau of Investigation, which was received on XXXX/XXXX/2016. The check was to be forwarded to the FBI 's XXXX XXXX office in XXXX, XXXX, since I currently reside in XXXX. As of XXXX/XXXX/2016, I have not received the check, and the XXXX XXXX office of the FBI said they would have received it by now. Apparently, the FBI lost my check in their internal mail system. JP Morgan Chase advised they can reissue a check, but it will again be mailed to my previous employer. I have not worked at the FBI for almost 15 months and would like to know what other options there are for resolving this ongoing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: To Whom It May Concern : There are XXXX major complaints within this report : XXXX XXXX through the reporting agencies & XXXX scores being distributed. 
Recently ( starting XXXX 2016 ) I began working with XXXX XXXX XXXX to repair my damaged credit. Please note this complaint is not geared toward XXXX XXXX but that of XXXX Equifax, and XXXX. 
Within the first 4 months a combined total of 65 % of negative items have been removed. XXXX XXXX sends out letters on my behalf, which I am provided a copy of, to dispute negative items then my provided portal is updated. Along the way I can see which negative items still remain and which agencies are not deleting items, though other agencies have. Equifax being the most cooperative by removing XXXX of the XXXX negative items, followed by XXXX deleting XXXX of those XXXX items and XXXX being the most challenging only XXXX of the XXXX items. XXXX XXXX XXXX is still being retained and in the last 4 months no items from XXXX or XXXX have not been removed and is effecting the my chance of getting a 1st mortgage with a fair package for first time homeowners, even possibly a better interest rate on my auto loan, that I will be applying for this week. 
The 2nd part of my complaint is the reporting. Though XXXX is being difficult when I went to XXXX directly to purchase my score, my score according to their scholastic reporting at XXXX is a XXXX XXXX is considered a XXXX, regardless. However the even greater issue here is why my score is not equal to all who see it? XXXX directly states XXXX, XXXX XXXX 'XXXX is XXXX, XXXX XXXX shows XXXX? 
My ranting as I close : How is this helping any consumers when numbers are just being tossed about with no consideration of what this does to someone wanting the basics of either applying for credit or knowing where they stand with their credit? Such as decent interest rates for a mortgage, an auto or anything else that may require credit. Let alone you can not have your, say, XXXX report or any report pulled when applying for credit to not affect it by having a hard hit on your credit, which can also have an effective by this hit lowering the score for a long period of time? So if you are border line and you take the hit then you went below the required level and now you 're at a higher interest rate. I realize the reporting game is like medical doctors with medication and kickbacks as with higher rates kickbacks for the agencies. Keep the consumer confused and they agencies get to run amuck. 
If you would like to see the XXXX report which states the XXXX I purchased from them verses the XXXX XXXX or XXXX XXXX or the negative items that the XXXX mentioned agencies are fighting please let me know. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (I do not know) with Bilateral Credit Corp, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Not only was the wrong amount attempted to be collected, but after speaking to an executive in regards to my dispute they did infact disclose that they do record some calls, but not calls. 

I was never told this and feel that this company should have dislosed upon it 's first initial communication that some calls may be recorded. 

I am very very concerned and feel that greater transparency on how Bilateral conducts itself is of public benefit. Recording a call without knowledge of a consumer or without warning that some calls may be recorded is a serious offense, perhaps a class wide offense. 

this complaint is in connection with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I opened a PNC performance checking account on its website on XXXX/XXXX/2015 since there was link on its website stating I could get {$400.00} bonus for doing that. But the bonus never appeared in my account. I contacted PNC multiple times regarding the bonus issue during last 30 days but they never properly responded to my inquiry in time. The representative of online chatting just simply gave me a reference number and ask me to wait for their response. But response never came. PNC just sent me a letter saying my case was closed. How could it close my case without even contacting me. Finally after several tries, I got in touch with XXXX of its retail escalation group. Her phone # is XXXX extension XXXX. She denied there was such a promotion on my account. She said there should be some kind of code for her to verify it. I just followed its link of opening account. There was no such code. Even now, PNC 's similar ads online ( {$300.00} opening account bonus ) does n't mention anything about code. XXXX It says " Apply online now ... .Offer will be automatically applied ''. I believe it is PNC 's scam to play customers. I sincerely hope you could further investigate on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit card () with U.S. BANCORP (OK).
Issue: Closing/Cancelling account

Complaint: My ex-husband and I held a joint credit card account. When I applied for a loan recently, it was brought to my attention that this particular account was overextended and in default. My ex-husband was responsible for closing this account and opening a new XXXX after our divorce, thus removing me from it entirely. Since he has not, the status of the credit card is adversely affecting my ability to purchase a car or a home, which I plan to do at the end of the year. I paid the account off in full in XXXX before our divorce was final in 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 06/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I made a deposit to the amount of {$2000.00} on  XXXX   XXXX ,   XXXX  , and was credited in error only {$20.00}. I received a letter dated  XXXX   XXXX , that the issue was resolved, and I will receive credit of {$1900.00}. On  XXXX   XXXX , I received another letter saying that they will reverse the credit as it was given in " error ''.   After many phone calls I personally went to the bank today, and spent  two  hours there, and still have not resolved this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: While checking my credit report with Experian, I found a collection that I wanted to dispute. I attempted to follow Experian 's detailed steps on-line to dispute, but could not find a credit report number. I went directly through Experian and set up an account, but when I called Experian 's customer service number ( XXXX under support on credit report ), I was left in queue for over XXXX minutes on multiple attempts. Once I was finally able to speak with an Experian representative they told me I had to get the report from them, which I did and even shared my account information. The representative told me that I would have to pay for my full credit report. Is this legal? I have to pay for my credit report to dispute something. Note that I attempted to call the company, XXXX XXXX XXXX XXXX at the phone number listed on this alleged credit report ( XXXX ) XXXX, yet this number has been disconnected. Experian needs to be held accountable for this unethical business practice. Consumers can not opt out of Experian having access to their credit information and thus needs to be held accountable to specific and clear standards. How am I as a consumer able to dispute a collection on my credit without any way to contact Experian or the collection agency?

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Due to the Hurricane Harvey, I requested from Toyota Financial Services for a extension which they granted me for the months of XXXX and XXXX. I submitted it back via mail and followed up with them by phone on XXXX XXXX due to the overwhelming backup mailing processes in XXXX. I spoke with a rep named XXXX and she assured me that I wont be facing any issues even if they received the documents later than expected and how I would n't need to resubmit them. After receiving numerous collection calls from Toyota after that day, I just went on and still faxed over the paperwork to Toyota which were submitted successfully. 

Now, when I speak with Toyota today XXXX XXXX, supervisor ) they were refusing to assist me in resolving this. They did n't want to pull up the phone call recordings, research my fax correspondence, locate my mailing correspondence, etc. 

It 's horrible how Toyota can be so rude and disrespectful during a time like this for Hurricane Harvey victims.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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 requested validation of a public record on my account which  XXXX , Transunion and  XXXX  all sent me a letter stating they received information from a  3rd party stating that the 3rd party verified it I contacted the 3rd party which  is  XXXX   XXXX  and they stated that under no circumstances that these credit bureau 's pulled anything from their site nor comform by an agent to verify your circumstances and it 's misleading and fraudulent to state as such! Then I requested it be removed again they sent me letter stating that the TN F ED BK  verified the same thing upon contacting the Bankruptcy court of TN to see if they had verifiy or validated any information concerning me I was told it is against the law to exposed or give any information comconcerning court documents about a person information which is illegal and unorthodox to be open for a lawsuit! So I 'm filing this complaint against the credit bureaus for misleading information that was given to me and that they removed all public records & accounts that has not been validated!

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 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I placed a security freeze on all 3 credit bureaus as I was a victim of identity theft. No one is supposed to be pulling my credit report or extending lines of credit without calling my first and no such thing has occurred. The only inquires on my report that are valid are the ones coming from XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX  All other inquiries were unauthorized and I have reached out to the credit bureaus to investigate but have received no help on the matter.

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 05-10-2015 about Debt collection (I do not know) with Solidus Group LLC. (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Clear Credit Solutions Company left voicemail, claiming a serious claim will be filed against me if I do not respond to their call referencing a Claim number and stating that serious allegations were made against me and will be pursued if I or my representative do not respond to their call.. The company 's representative did not leave his name identifying himself or what potential claim or creditor or debt the represent. This is clearly abusive and bullying in an attempt to collect a debt. The message never stated that they were attempting to collect a debt. It stated that serious allegations have been submitted and a claim will be filed against me. The message has left me shaken and unwell as I am XXXX and have XXXX concerns. This practice is clearly in violation of both State and Federal Fair Debt Collections Act. The message has been archived as evidence that the statement I am making is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Account opening, closing, or management

Complaint: hello I had an account with paypal last year and purchased certain items from XXXX and never gotten my item so I filed a complaint and paypal shut down my account and refused to close it or let me close it but said go ahead and reopen a new account so I did with my same personal information. 
now with the new account I filed an item complaint in which I received my refund from the seller but paypal shutdown my account again and claim that I have too many complaints and I can no longer have a paypal account and refused to close my old account or new one what can the CFPB do for me. 
I want paypal to close both my accounts to be satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient has repeatedly failed to communicate with me and claims to have sent emails that were never received, either to my online account on their website, or to my personal email address. The also failed to specify the terms of a hold placed on my account, resulting in " past-due '' payments that should not be considered so. I have been told that, despite their mistakes, they can not remove the past-due statuses on my account. 

This follows several phone calls in which I was given incorrect information about the documentation that needed to be provided, which pushed setting up my payment plan very far back when this process should have been completed in XX/XX/XXXX. This is looking like very predatory business practices in order to report fabricated delinquent payments to result in fees to Navient as well as negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have communicated with the company. They called me on cell phone with intent to harass and annoy. Please audit the company and have them list all calls to my phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I got turned down for credit on a car loan. I went to the free credit report website the only one that would give me the report was XXXX. The other XXXX site had " Technical Problems '', which required me to request a copy via mail, unless I paid them {$29.00}. When I went to pay them XXXX, their systems do not let you buy it, they make you buy a " subscription for XXXX per month. This is Transunion and XXXX. They are scams and need to be shut down.

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 04/13/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: XXXX XXXX XXXX has a problem with an online bank. The bank has never been able to credit payments made to XXXX different accounts : XXXX and Sam 's XXXX XXXX. The XXXX account was paid in XXXX 2015 and the Sam 's XXXX XXXX was paid off in XXXX 2015. 
The online bank claims that XXXX paid the XXXX debt at Sam 's Club and still owes money on the Sam 's XXXX. 
The assertions by the bank are preposterous because my wife could not have made a payment to an XXXX account at Sam 's Club. Can you help?

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 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was charged an annual fee of {$75.00} by American express for my inactive XXXX XXXX card. 

I did not receive a notification about the fee and my account statements were being marked as spam by XXXX due to long term inactivity. 

I got a notice that I had not made a payment on my card and I logged in to find out about the fee. I have tried to get it resolved with XXXX but they insist on the fee, even though I have cancelled the card already with them. I will not have use of the card for the next 10 months even though I have paid the fee. For the next 10 months XXXX does not owe me exposure to the tune of {$24000.00} and has no liability to me charging off.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My XXXX credit card was charged {$2100.00} on an unauthorized charge. 
I 've called twice last week to discuss the issue. I was told twice to expect a call within 48 hours from the Fraud department. I have not received any return calls. 

I 've also attempted to call every day for the last 4 days, but the call remains on music hold for over 30 minutes and I have hung up multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I opened up a chase freedom unlimited account on X/XX/17 with a credit line of XXXX, i made some purchases for XXXX. I opened up a chase freedom account a few weeks after with a credit line of XXXX which i never got to use because chase bank closed down both of my accounts. I did not know my accounts we 're closed until my cards got declined at the store. I called chase to see what was going on and they said my cards had been closed. I received a letter stating why the accounts were closed and it said due to rapid increase in revolving credit, and not enough credit information on file. I called and asked them why did they open up not one but two accounts if that was the case, as well as i didnt know i had to spend a certain amount within a certain amount of time. I have credit history on file, so i am not understanding why they would close both of my cards down which one i never used. I feel as though i was targeted for some reason and chase should be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with MORGAN STANLEY & CO. LLC (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I disputed with XXXX a charge incurred in XX/XX/2017 on my Morgan Stanley-XXXX card against a hotel in XXXX XXXX, XXXX in the amount of {$1600.00}. Basically, I was tricked by the hotel into booking a 7-day stay for a business trip that was totally nonrefundable. And then the hotel was entirely non-responsive in addressing any of my pre-stay requests to discuss various business needs, such as assistance with hosting a business luncheon and other meetings, arranging for me to be picked up at the airport, and facilitating other transportation needs. The hotel assured me that they could support my business needs, took my money, and then ignored me. I was forced to switch to another hotel in XXXX to ensure the success of my business trip, which I did weeks before my scheduled stay. 

After receiving no satisfaction from XXXX, I provided all of the above information in great detail both in writing and orally to Morgan Stanley, whose name brands my card. But Morgan Stanley has refused to take any interest in this issue. No one from Morgan Stanley spoke with me, and Morgan Stanley clearly gave no consideration whatsoever to my clear and legitimate concerns. It is apparent that Morgan Stanley feels no responsibility to ensure the integrity of its co-branded card.

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 03/30/2017 about Debt collection (Medical) with Medical Business Bureau (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've requested MBB to provide validation of debt and they do n't. All they 've sent me are the account numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation