milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
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: This concerns an old Chase Bank Southwest Airlines credit card account that was a charge off. Chase bank contracted with XXXX XXXX, a third party collections agency, in XX/XX/XXXX to collect payment on this account on behalf of XXXX. XXXX retained ownership of the account and the third party collector worked on commission and did not report to the credit bureaus. In XX/XX/XXXX I paid off the above-referenced account. Since the payoff, I have made two disputes regarding the balance for this account with the credit bureaus and Chase. The major credit bureaus are reporting that Chase is verifying the account as having a roughly {$7000.00} balance when in fact it should be XXXX. XXXX XXXX confirms the account has been paid off, but claims Chase hasnt  checked with them at all about the disputed balance. Had Chase contacted XXXX XXXX about the disputed account, as they arguably have a duty to do, then they would have discovered the balance has been collected in full by their agent ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Account opening, closing, or management

Complaint: I had a bank account with Bank of America. Since I am not XXXX I was using it not often. My XXXX address was reported to the bank and I was receiving monthly statements. 
The account was free, as well as using cards. 
Than, few years ago the statements stopped to be send to my address without any warning. 
I tried to log in via internet, but I could not ... later I learned my account was blocked and moved to " frozen accounts ''. I had no statements, no internet access and without any information bank introduced a monthly fee of XXXX I had no idea that over years - XXXX of USD were stolen by the bank from my account. So without any information I was introduced a fee, to an account which usage was blocked to me and any track of charges were hidden ( no statments sent ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
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 a XX/XX/XXXX charge for {$140.00} from XXXX XXXX XXXX ( which billed me for verifying my XXXX llisting ) after I learned that my XXXX llisting had already been verified, so XXXX XXXX never performed any service. Bank of America issued a credit. I was told in letters from Bank of America on XX/XX/XXXX and XX/XX/XXXX, " There's nothing you need to do at this time '' and in a letter of XX/XX/XXXX, " No additional action or information is needed from you at this time. '' On XX/XX/XXXX, I received a letter from Bank of America dated XX/XX/XXXX saying that the charge for {$140.00} had been rebilled to my XXXX credit card. I phoned and was told for the very first time to supply documentation to support my dispute of the charge. The representative said that the dispute would be reopened on the basis that no services had ever been provided by XXXX XXXX. As requested, I faxed the documentation that same day, XX/XX/XXXX. Bank of America wrote me that the deadline for supplying information to support my claim had fallen on XX/XX/XXXX, five days before I was first asked to document my claim and that therefore, the dispute was closed and I had to pay the amount in dispute. I had a lawyer write a letter on my behalf, which I resent on XX/XX/XXXX via certified mail ; that letter indicated that I had initiated the dispute in a timely manner and that Federal law did not allow financial institutions to arbitrarily terminate a dispute that had been initiated in at timely manner, in this case noting that I was not asked to document my claim until after the supposed arbitrary deadline ( of which I had not been notified in advance ) had passed. Bank of America wrote on XX/XX/XXXX, " we were unable to determine that a billing error occurred '' and " the notification of your dispute fell outside the timeframes '' and " we're required to work within certain dispute processing rules, which include specific timeframes. '' In short : my dispute is being terminated in an arbitrary manner because Bank of America waited to ask for documentation from me until after the timeframe it later told me ( after the fact ) governs such disputes. This is Bank of America 's fault, not mine ; I would happily have provided the documentation in XX/XX/XXXX but was not asked until XX/XX/XXXX to provide the documentation in question.

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 06-02-2017 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 status incorrect

Complaint: I have tried to fix these problems cre dit bureau- My lawyer and I are getting ready to file a lawsuit.      Please remove these inquiry from from my credit   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   someone else tried to get a car in my name and all these inquiry popped up i have called numerous of times the companie tell me to contact bureau and bureau tell me to contact company Judgement case number  XXXX  amount  XXXX  - this account has been paid in full.     These items were deleted and reappeared - Also these accounts are closed!!!! please remove. Balance is  XXXX  ON ALL OF THESE ACCOUNTS   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   This is my  last  time before I sue all  XXXX  credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Payday loan debt) with Locate Services LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are trying to collect on a XXXX payday loan debt, but i will refuse to pay and i do not want them to call me anymore!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Credit card) with Alpha Recovery Corp (MD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX XXXX , XXXX. sent a " XXXX XXXX XXXX '' notice on XXXX/XXXX/XXXX for a settlement agreement which I replied to on XXXX/XXXX/XXXX. I called and gave my XXXX XXXX XXXX XXXX information for the full settlement payment of XXXX from the $ XXXXon acct no. XXXX. On XXXX/XXXX/XXXX, I received a notice from Alpha Recovery Corp for the same account attempting to collect the full amount. I called XXXX and the representative stated that the account was settled but then referred me to their account support but gave me a different account of XXXX to refer to. The rep from the account support stated that the debt was not resolved because of a bad check which was inaccurate because the fund were available per my bank statements. Now, two years later, Alpha is attempting to collect {$460.00} and threatens to obtain a judgment when the account was agreed and settled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MS).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: ABOUT A YEAR AGO I ASKED CITICARD TO CLOSE MY ACCOUNT BECAUSE OF CHARGES THAT WERE NOT MINE AND TO NOT ISSUE ME ANOTHER CARD. THEY ISSUED A CARD ANYWAY.I CALLED THEM TO CANCEL THE CARD AND THAT I WAS NOT GOING TO ACTIVATE IT AND WAS DESTROYING THE CARD. THEY SAID THEY WOULD. TOWARD THE END OF 2016 I GOT A E-MAIL THAT I NEEDED TO PAY A BALANCE ON THE CARD.I CALLED THEM AGAIN AND THEY SAID THEY WOULD CLOSE THE ACCOUNT AND WRITE OFF THE BALANCE.THEY DID NOT.I CALLED THEM AND ADDITIONAL TWO TIMES AND THEY SAID THE SAME THING THAT THEY WOULD CLOSE THE ACCOUNT AND WRITE OFF THE BALANCE. SO FAR NOTHING HAS BEEN DONE AND I AM GETTING DAILY COLLECTION CALLS AND E-MAILS.

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 10-03-2015 about Debt collection (Non-federal student loan) with AES/PHEAA (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My original debt was included in my 2010 bankruptcy and National Collegiate Trust purchased it anyway. They continued to try and collect despite being notified on multiple occasions that the debt was no longer valid. I wrote letters to XXXX different addresses and included my bankruptcy paperwork. I also told multiple collection agents about the bankruptcy. They recently filed a lawsuit against me trying to collect the discharged amount plus the interest they tact on. Everyone should be aware of National Collegiate Trust. Force them to validate your debt and make them prove they are within the time frame to collect. I wish I had known to do that when I was wasting my time writing letters and telling collection agents this was included in my bankruptcy. They do n't care. I should have reported them a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: a collection account with lowes got sold to XXXX and i end up with the same account XXXX in my credit report, the XXXX account was settle and paid and XXXX told me that lowes should delete this account from the bureaus files.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I contacted XXXX again as well as opened disputes with TransUnion and XXXXx ( been multiple times XXXX to inquire about a dispute with an item on my credit report. I have previously disputed this item, and multiple times it has come back as verified and accurate without a deep investigation or any explanation as to what was given as documentation to verify the debt listing is correct. On the call yesterday with a representative XXXX/XXXX/XXXX I asked the representative to reopen another dispute into a XXXX XXXX listing as it is not reporting a correct listing and I asked her what is the dispute process. She stated that agency will ask the creditor if the debt is accurate and as long as they say/certify that the listing is right then they will leave the listing. The creditor has to provide them with no documentation showing proof. FCRA states that lawfully XXXX XXXX and TransUnion must provide the method of verification as well as who the furnisher was who verified the information. Im having this issue not only with the XXXX XXXX account but also with some inquiries on my report. I 'm requesting a through investigation of these items and when complete I would like method of verification and who the furnishers were so that I can make direct contact. If these things can not be provided I request that they be removed from my credit report promptly.

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 11-06-2017 about Debt collection (I do not know) with EOS Holdings, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Was called at XXXX XXXX on XXXX-2017 from number XXXX. My telephone number is a business number. Person named 'XXXX ' said he was from EOS CCA - but refused to identify who the company was, or what the call was about. I had to look them up online to find out it was a supposed collection agency. Also, the call did not indicate whether it was being recorded ( calls usually are ) or provide the required 'call being recorded ' statement. As he would not identify the reason for the call - or who EOS CCA was - I declined to confirm who he was speaking with, and then he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: I purchased an item with my american express card ( with purchase protection ). Item was stolen along with the receipt. American Express 's wholly-owned insurance subsidiary is refusing to pay the claim ( increasing their profits by the amount of the claim ), on the grounds that the receipt is required. My understanding is that insurance companies are intended to use reasonable discretion on this matter -- if a receipt no longer exists, they will work with the customer to find other evidence of the purchase. In fact, a representative did advise me that I could fax in my billing statement as proof, but then they changed their mind. It 's hard to decide whether this is incompetence or outright fraud on behalf of Amex, but I will say the people seem pretty competent ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/17/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (MD).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have had TD Bank for a few years now. In   XX/XX/XXXX  the United States  XX/XX/XXXX  me overseas where I was stationed from early  XX/XX/XXXX  until the middle of  XX/XX/XXXX . While Overseas I did not have access to my checking account or online access to notify of any unusual transactions. Upon returning back to America on  XX/XX/XXXX  I called into my bank only to be notified that my account had been closed due to overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My account was hacked on XXXX mail order credit company, fraudulent charges was made of XXXX, my address was changed to a CA location and also my E-Mail was changed. I sending in to all 3 credit reports the official police report, letter of complain to the Office of the Attorney General of State of New York. I received a letter from the Attorney General their office spoke with XXXX and the unauthorized charges will be removed. 
My account now reflects a XXXX balance which was before this incident happens. 
The address in CA still appears on XXXX report and Experian report. 
Experian has given me all kind of excuses first it told me that only XXXX can remove this address from my file. After it said that if I sumitted all the proper documents it will be deleted. I submitted all the proper documents now Experian send me another noticed that it ca n't make changes without contacting the furnisher of the information or the vendor who collected the information from a public record. I have to wait 30 to 45 days it will provide me with the result.

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 07-08-2015 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (PA).
Issue: Problems caused by my funds being low

Complaint: A wire transfer was issued from XXXX XXXX XXXX XXXX to TD Bank XXXX XXXX XXXX. The wire transfer originated in XXXX XXXX XXXXXXXXXXXX with an exchange rate as indicated on the wire transfer of XXXX, with a final amount of $ XXXX. What arrived at TD Bank was {$12000.00}. A difference of XXXX. TD Bank wire transfer refuses to provide how or why there is a difference between what left XXXX and what arrived in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit card () with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Customer service / Customer relations

Complaint: I got this Credit card while I was an employee at BMO Harris. During the time that my father passed, I missed a payment and it has been on my credit ever since. It is the only late payment that I have had since I 've had this card and it is affecting my credit score. I have been calling to find a resolution to this situation.

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 11/24/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After receiving a debt that I knew nothing of on XXXX XXXX, I immediately had my credit reports pulled, and sent all XXXX credit bureaus certified dispute letters. I received confirmation back that all the items that I had disputed had been verified. I sent a second round of letters asking that I be provided with the names and numbers of whom they had validated the debts with. I myself sent a validation letter to XXXX of the creditors only to be told it was a mistake, and that a letter would be sent to all XXXX credit bureaus to have deleted. This was XXXX of the debts that they claimed they had investigated and had found it belonged to me. They have ignored all of my dispute letters, and refuse to remove debt that have not been validated. I have asked for proper paperwork demonstrating the agreement between me and these creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Consumer Loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (FL).
Issue: Taking out the loan or lease

Complaint: we applied on line for a loan with a company called community choice financial, they said we were approved, so the XXXX thing they wanted us to do is open up a checking account with XXXX bank, because that 's the only bank they deal with, also XXXX we opened up account to call them back, so we opened up account, called back they, then they said to go back to bank they would deposit XXXX dollars out of the XXXX we were getting, with draw the XXXX go to a money gram place and they would tell me where to send it, I ask them why pull out then send it back, they said it shows them good faith on paying back the XXXX dollars XXXX many red flags ). they were suppose to be in XXXX but the address on the application is XXXX, so we web searched the XXXX address got a number called, explained to them why we called they said never heard of them XXXX red flag again XXXX and then we contacted you. also they would not give me a lic. #. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 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 information incorrect

Complaint: why do they no report paid on time but if you miss  one  they report quickly?

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: third collection agency I 've disputed tmobile sold to, have disputes & have had deleted each agency that unknown to me how they have my information at all, no I 've disputed this twice & they ( experian ) just leaves it, says it investigated, but they 're not, tired of watching my credit report and score going down the drain. Please help 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 non-monetary relief
Consumer complaint received 09/26/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I closed my checking account and two weeks later a debit went through from a company whom I had notified of my new bank account number. Apparently it was n't processed in time enough before the debit hit my bank account. That happened with another company as well. So the bank opened up my account without my permission and let charges go through without notifying me that my account had been reopened by the bank and late charges incurred and also monthly service fee was applied even though I had closed my account. I spoke with them and the balance I now owe is {$160.00} dollars. Unless I pay it all off my account will stay opened and monthly service charge will continue. I should only be liable for the merchant charges. This is illegal for the bank to reopen my account after I closed it. The XXXX charges that came through should have been denied but instead they reopen my account, charge me XXXX overdraft fees and monthly service fee. I owe {$32.00} for XXXX and {$13.00} for XXXX which is what I am willing to pay. 
Thank you and please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have consistently disputed my account status with XXXX AND XXXX AND TRANSUNION, but my issue still have n't been revolved. It is showing that I have missed XXXX payments and that is incorrect as well as my balance is incorrect. I just talked to XXXX on XX/XX/2017 at XXXX central time, and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.

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