milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I have a business Chase account that was opened in XXXX. Unfortunately, due to my business not doing well I am not able to make payments on this account. ON XX/XX/XXXX Chase reported the late payments to my personal credit. I called Chase on XX/XX/XXXX and asked them how they can report a business credit to my personal credit report.

They told me that is was in my original contract and stated that if I went 120 days that they would report to my personal credit. I asked the Chase rep to please send me the original singed contract so that I can see where it states that. I got a letter in the mail 2 weeks later from Chase stating they can not locate this contract. 

I am 100 % sure that this account should have never been placed on my personal credit and since chase can not provide the contract they should have this deleted ASAP from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I 'M A VET, I HAVE BEEN DISCRIMINATED BY BANK OF AMERICA AT XXXX SEPARATE BRANCH LOCATIONS. THE XXXX BRANCH IN XXXX XXXX WOULD NOT LET ME OPEN A BANK ACCOUNT AND DENIED THAT MY CHECK WAS MINE, EVEN THOUGH IT HAD MY NAME ON IT AND I HAD PROPER ID, IT WAS FROM MY LAWYER OFFICE THAT BANKS WITH THAT BANK. I WENT OUT OF TOWN AND CAME BACK TO A CLOSED CHECKING ACCOUNT {$9.00} OVER FEE, WHICH I PAID AND WENT TO THE XXXX AT XXXX XXXX XXXX XXXX BRANCH TO REOPEN MY NEW CHECKING ACCOUNT. I SHOWED THE PROPER ID I USED TO OPEN MY ACCOUNT AT THE XXXX BRANCH, AND THEY DENIED ME THE OPPORTUNITY TO OPEN AN ACCOUNT AGAIN EVEN THOUGH I HAD AN EXISTING SAVINGS ACCOUNT OPEN AT THE TIME. I EVEN HAD THE PACKET THEY GAVE ME AND THEY STILL WOULD NOT ALLOW ME TO OPEN A CHECKING ACCOUNT WITH MY IDS. I BECAME SO FRUSTRATED, I CLOSED THE SAVINGS ACCOUNT. THE XXXX AT XXXX XXXX XXXX BRANCH DENIED CASHING MY CHECK FROM MY LAWYERS OFFICE FROM THE SAME BANK WITH PROPER IDS, STATING XXXX NO PROPER ID THERE SAYING I HAVE NO ACCOUNT EVEN THOUGH THE CHECK IS FROM THERE BANK. I WEN T BACK TO THE XXXX XXXX XXXX BRANCH TO CASH MY CHECK AGAIN IN MY NEW OPEN ACCOUNT FROM ANOTHER BRANCH, I WAS TOLD BY THE MAGR THAT NOW MY CHECK WAS A ISSUED ... I BELIEVE I WAS RACIALLY DISCRIMINATED AGAINST BECAUSE OF HOW I WAS TREATED, FOR DEALING ME ACCOUNT EVEN WITH PROPER IDS, AND DENYING CASHING A CHECK ISSUED BY THEIR BANK. MILITARY IDS CAN BE USED AS PRIMARY ID

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 06/30/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Customer service / Customer relations

Complaint: 1. The account was set up for automatic payment. For several months you withdrew money from the XXXX account and also billed my company. 
2. It took multiple, lengthy phone calls to get this fixed. Each time were assured that the problem had been solved only to discover the next billing cycle that it had n't. 
3. Further, rather than withdrawing the actual amount due you withdrew a fixed amount ( {$440.00} ) each month - regardless of the amount owed! E.g. the statement for payment due XXXX XXXX showed a balance of {$95.00} but you withdrew {$440.00}, creating a credit of {$340.00}. The statement received yesterday shows charges of {$59.00}. But instead of reducing the credit balance by that amount you again withdrew {$440.00} from our bank account thus increasing the credit balance to {$720.00}. This is ridiculous. 
4. When we called to get this corrected your representative told that Citi has no way of netting current charges against credit balances. If true this is absurd. 
5. As to your telephone service, I can only say that it has been terrible. When we called to clear up this mess ( two times today alone ) we first were put on hold for more than 15 minutes before reaching a representative. He/she listened to our complaint, said that we needed to speak with a different office, and put us on hold. After another 10 - 15 minutes on hold we were disconnected. We then called to cancel the account. The same thing happened.

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 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (DE).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Chase small business credit card account received letter that they will be closing account when the card expires ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  accounts that had been deleted of my report due to identity theft keep coming back up  XXXX  finance and  XXXX   XXXX  bank. Also my payment history with   XXXX    was corrected all delinquent payments were removed and now show back up. I will show picture proof they where deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Medical) with First Federal Credit Control (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I placed a call to first federal credit control on XXXX to inquire about a settlement and spoke to a representative by the name of XXXX at EXT XXXX. XXXX explained to me she would send me out a bill that I requested and she asked me how much I can pay to satisfy the debt and I gave her an amount she said it would take 24 hours before she can give an answer. XXXX failed to notify me that she was a debt collector attempting to collect a debt. About an hour later I received a call from XXXX and the agent explained I would n't be able to settle the debt I have to pay the full balance and she asked me when I planned to pay but she never disclosed she was a debt collector attempting to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hendering me from gaining employment, and getting financed for housing. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Trans Union is reporting negative information from XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelyhood. The information they are reporting is not identically shown on my reports from XXXX, and 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 02/22/2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/2017 I disputed this account. I am exercising my right to question the validity of this debt they claim I owe. According to Section 609 of the FCRA you have to provide proper documentation with an original signed contract with my signature. Experian provide me with your method of investigation on how you reached out to XXXX account # XXXX .... and provide me every detail on how they proved or sent you original signed contracts. Sending number codes or one statement is not proper documentation.

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 04/30/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: STATEMENT OF THE CASE On or about  XXXX   XXXX ,   XXXX  , PRM caused to be included in Complainants consumer files, and recorded upon Complainants investigative consumer report ( ICR ), as maintained by   XXXX   XXXX   XXXX   XXXX    consumer  reporting agencies, adverse and derogatory information alleging Complainants default upon a debt owed to the  XXXX   XXXX  and  XXXX   XXXX   (   XXXX  ) to the sum of  XXXX   XXXX   XXXX   ( { $820.00} ) and     XXXX   XXXX  . The reintroduction of this information in Complainants consumer files and recordation upon his  ICR  violates the FCRA and FDPA.

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 07-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (DC).
Issue: Account opening, closing, or management

Complaint: The CitiGold checking account rewards program has cost me {$64.00} in fees so far and does not deliver its promised benefits. The program promises to provide tens of thousands of XXXX XXXX points, if a customer opens a CitiGold checking account and completes a number of steps such as setting up bill payments online within a few months. I signed up for the offer and opened an account XX/XX/2016. I also went to a local branch to provide my information such as tax record, social security number, etc. to complete account opening process. 

To set up bill payment ( a requirement for receiving the benefits ), I need an online account ; to set up the online account, I need a debit card and a password ; the problem is I have never received the debit card and password for several months and now the required timeline has elapsed. After speaking with customer service XX/XX/XXXX, I did receive a debit card, but the password never arrived. Meanwhile, because there is XXXX balance in my account, I was left with account maintenance and overdraft fees of at least {$64.00} as of XXXX XXXX, 2016. 

Citi 's practice is unfair. I opened the account and was willing to complete the steps required to take advantage of the offer. However, an essential part of what is required - receiving debit card and password - is missing due to Citi 's lack of oversight of its operations. What started as an attractive incentive program ended up in fees on my account and no benefits at all, and there 's nothing I can do to avoid 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 explanation
Consumer complaint received 11/17/2016 about Debt collection (Payday loan) with IMPERIAL CREDIT SYSTEMS, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX XXXX called my job togs my boss they were on their way to pick me up to take me to jail. Caused a huge scene and nearly coast me my job all for a charge that was't mine.

Company response to consumer: Untimely response
Consumer complaint received 12/24/2016 about Debt collection (Federal student loan) with NELNET, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: To whom it may concern on XX/XX/2016 I went to the police station and made a police report on 14 accounts that was identified and fraudulent accounts that occurred on my police report as identity theft. All companies removed the fraudelent accounts from my credit report by Law, Three of the accounts belonging to XXXXNELNET has not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (KS).
Issue: Taking out the loan or lease

Complaint: I told my niece I would co-sign a loan with her. She quit making payments. I got on computer and look at prosper. XXXX XXXX put a {$7000.00} loan in my name and electronically sign it. This is computer fraud and identity theft.

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 EQUIFAX, INC. (NY).
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: Equifax has consistently been informed and sent documentation regarding their mixed information with my sisters file and mine. The excuse has been that since we lived in the same address ( as kids ), and have Similar first names this has happened. My sister name is XXXX middle name XXXX XXXX. My name is XXXX XXXX, different fathers. I dont understand how she has her business transactions under her social security number and dob, and still I get her information linked to mine. My current situation is that my sisters married name has been attached to my credit file in equifax. I paid XXXX XXXX to remove my sisters accounts from my file, but equifax still is negligent in removing her marriage name from mine. She is now divorced by the way. I have sent my Id documents to equifax including my birth certificate, License and social security number repeatedly and I still nothing has been corrected. My last dispute # XXXX report still has XXXX as my middle name. This is my sisters married name! Its their mistake.. XXXX XXXX asked them to show any accounts under that name and my social and they proven wrong. Help me please! Its been almost a year with the same issue. They keep merging our accounts which are totally different and in different states. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I made 3 separate payments to Synchrony Financial. A payment of {$300.00} another of {$800.00} and another of {$300.00}. For each payment I received an initial confirmation that my payment was being processed. On XX/XX/XXXX I received 3 separate notifications that my payment posted to my account on XX/XX/XXXX. My statement closes on the XXXX of each month at XXXX EST. On XX/XX/XXXX I obtained a copy of my credit report and it showed that XXXX XXXX Synchrony Account was updated on XX/XX/XXXX. However, the update did not reflect my 3 most recent payments. On XX/XX/XXXX, I contacted Synchrony Financial they confirmed that they did receive my payments and that it did post on XXXX. When I asked why the balance did not reflect my payments and why the statement did not include payments that were confirmed posted on XX/XX/XXXX, I was told the system had n't updated. My credit score has dropped tremendously based on the usage that is reflected. There are life changing things that I need to do and that drop in my score will prevent me from obtaining the necessary financing to do so. Based on the confirmation, when I made the payments online on XX/XX/XXXX I expected the updates to the credit bureau to be accurate. It is very misleading to receive a confirmation that your payment has posted and is in the current billing cycle but, what is updated to the bureaus may not reflect that. I have many other creditors and it is very clear what the cutoff times are for payments to post to my account. In the event their systems are unable to generate statements ( real time ) the statements are not generated right away. I believe Synchrony owes it to their customers to ensure they are reporting the most accurate information. Cut off times for payment should be very clear and included in verbiage of the e-mail notification for posted  payments. Like other companies Synchrony Financial should delay generating their customer statements to ensure their system has properly updated before sending erroneous and inaccurate information to the bureaus. I 'm hoping you can insist that Synchrony Financial puts a process in place to provide proper updates and send the corrected updates to the bureaus 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 07/27/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Collector calling my home at XXXX and XXXX in the morning. I am XXXX years old and this has been frightening being awaken in the middle of the night. I have had a couple of XXXX and really can not handle these harassing phone calls. I asked the person to stop calling me because this debt has been turned over to a debt consolidation agency because my husband passed away over a year ago and I am no longer able to handle that bill.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX   XXXX . I have Attempted to verify debt. But instead they just switch it to one of the  6  or so other companies they own and have them start harassing me instead of verifying debt. Basically they keep passing it around.   I first tried to get this verified in  XXXX  of  XXXX  and I did not hear anything for a while. Again I tried to get it verified last ( 60 days  )  from an online monitoring program and have yet to receive any verification. Instead a letter threatening to sue for a debt that they have yet to verify is even mine to begin with.   Never providing verification of the debt per FTC guidelines. When I look at my credit report they also have it as a new account. I never entered into any business with them. Per the rules of the FTC if there is a debt it needs to also be reflective of the  ORIGINAL  creditor. Instead they are making up dates as they go which negatively effects my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Consumer Loan (Installment loan) with Ballybunion Enterprises, Inc (SC).
Issue: Managing the loan or lease

Complaint: I originally took out a small loan of {$6500.00} from Military Credit Services ( MCS ) in XXXX XXXX. I was making payments through an allotment. In XXXX XXXX, they switched my loan provider from MCS to Freedom Stores without informing me. When I noticed this, I stopped all payments and requested that they send monthly statements to the address I provided them. They refused, and gave me online access to their website. I attempted this and resumed my payments. I logged on two months later and noticed no change in my account balance. I called Freedom Stores and informed them I would stop submitting payments until they mailed me a copy of my contract and send me monthly statements in order to keep track of my loan progress. They refused to send me statements, transferred me multiple times to different operators, and threatened legal action if I did not pay. They constantly call me and attempt to harass me into paying with the same conversation playing out. " Please send me statements and a copy of the contract '', transferred multiple times and than told no and they have called my XXXX multiple times. I have attempted to work with them and have submitted a few payments in an attempt to gain some ground and receive what I need, but I have never received a monthly statement or seen any visible evidence that my loan is decreasing. The last payment I made was on XXXX XXXX. The loan is now over 180 days past due

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (OR).
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint: I purchased a Vehicle Service Contract ( VSC ) from Honda when I purchased my car 2 years ago. This contract was presented and sold to me that I would have access to road side assistance and free rental car when my car was in  need of repair. Below, Ive also pasted verbiage copied directly from Hondas website regarding this contract. 
A XXXX XXXX XXXX provides benefits your manufacturers warranty does not. For example, with XXXX XXXX, youll get roadside assistance1,2 and rental car coverage1 when your vehicle is being serviced for covered repairs, and extensive component coverage5 Recently I received a recall notice from Honda and called to make an appointment. I was told that I do not have a Vehicle Service Contract. I called back again and the second  representative I spoke with stated that I do have one but that a recall is not considered a repair. My car is in need of repair due to the recall. Their verbiage is ridiculous. They are selling a product that does not provide what is described under their terms. 
I wrote to customer service and requested that they confirm that I purchased the VSC. They responded and stated that their records indicate that I do not have one and advised to call this number ( XXXX ) if I had any additional questions. ( Case Number XXXX ) The email I received also stated that a case manager would be reaching out to me in 1-2 business days. It has now been 8  days and I have yet to receive contact. 
I called the number provided and spoke with XXXX XXXX who CONFIRMED I have a VSC. I requested that she send me a copy of the contract which I received in the mail last Thursday ( XX/XX/XXXX ). I sent a copy of the contract to Honda on that same date and asked that they note my account so that I dont encounter this issue in the future. Still no response. 
The VSC I purchased cost over {$2000.00} and added an additional year of payments to my loan. This is a substantial amount of money and it is mind boggling that Honda can not accurately track their own records. 
I am appalled at the lack of communication from Hondas customer service. The VSC is a SCAM. I either want my money back or for Honda to acknowledge that I have a VSC and provide me the coverage that I purchased. My car is being recalled and needs to be repaired. Under the terms of the contract, a rental car should be provided when I bring my car into XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation