milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: XX/XX/2017 CFPB : JPMChase contractor " XXXX '' took and refuses to return to me my XXXX ( XXXX ) Repurchase Agreement Materials, when JPMChase had acquired XXXX. I had never given permission to XXXX or any of its Successors or Assigns to break into any Homestead of mine and take my XXXX Repurchase Agreement Materials, in Violation of the Illinois Unclaimed Property Act. In connection with my XXXX Repurchase Agreement Materials, I have never waived any legal right of mine to own Property. 
I demand that JPMChase provide me all materials concerning its Contract with " XXXX '', including, but not limited to, true copies of the Contract ( s ), e-mails, telegrams, transcripts of telephone conversations, notes, appointment book pages, etc., in addition to returning all my FNBC Repurchase Agreement Materials. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had a financial aid back in 2013 which I thought was financial aid. I have this company called Navient saying I owe XXXX for a loan that was supposed to be financial aid. I have told them I can not repay because I do n't have a living wage so they put me on a forbarance plan so I have 2 months where I dont have to pay but the interest keeps growing! ~~ I feel I am a victim of a scam!!!! I found out on the news that this company has a lawsuit against them!!!! Please can you help me so I am not another victim!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I spoke with a representative in the Consumer Affairs Division of Experian regarding false/inaccurate information that is intentionally and willfully being reported by Experian, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( the debt collector ). I provided indisputable proof, by way of fax, that shows the amount of {$1000.00} was the amount owed, according to the Court ; however, Experian, XXXX XXXX, and XXXX XXXX systems tripled the amount to XXXX and has been wrongfully reporting {$2900.00} for about six ( 6 ) years. The are all aware that under the Fair Credit Reporting Act that inaccurate information must be deleted ; however, they continue to DEFY the law in an attempt to oppress and cause further harm by continuously reporting information that they know to be false. Further, I was told by the assistant leasing agent that I could move -- with no further financial obligation- after reporting several incidents involving safety and other criminal activities by people XXXX had allowed to move into the community. Further, I did not receive Notice of the Court date, even though the correct address was in the Court 's file and on my counterclaim. I have no doubt that had I been provided with Notice ; the outcome would have been quite different. Nevertheless, Experian is reporting information that it knows is false, and I asking for assistance in correcting this matter right away.

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 12-01-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company supposedly has on file that was used to verify the accounts and inquiries that I have disputed. Being that they have now gone 30 days and STILL can not verify these under accounts or inquiries under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete ALL information which can not be verified that I have disputed. Please resolve this matter as soon as possible as I am prepared to take legal action if this is not resolved.

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 09-09-2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My debts were written off for XXXX debt collection in XXXX. The debts are XXXX XXXX XXXX. They reinserted them without my knowledge and refused to get rid of them after my dispute. They were reinserted through a new collection agency and new dates, as well as the bureaus failed to contact me via written correspondence or email within 5 days of reinsertion XXXX XXXX XXXX, I was never notified but found out via checking my report on XXXX XXXX. ). I want these removed from my XXXX and XXXX reports and removed from my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a victim of False Impersonation, and I am one of the agents for the company XXXX. Someone how several fraudulent accounts that appeared on my personal credit ended up on the company credit report as well as my personal home address. 
I have sent in a copy of my personal police report 3 times advising Equifax that the accounts were fraudulent and should not have appeared on the company credit report or my home address ... I was told my address and the account were removed in XX/XX/2014 to date, the same accounts are still present- nothing has been removed. 

I am requesting account numbers XXXX XXXX and XXXX be removed as well as address XXXX, XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I supplied XXXX with a police report showing people were applying for credit under my name. XXXX has refused to remove the fraudulent inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX/XXXX/17 Reporting company used my report improperly. 

My personal information has been leaked by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: Deposited a cashiers check to Wells Fargo from XXXX on XX/XX/2016 Received email on XX/XX/2016 staring the funds were going to be held until XX/XX/2016. Called Wells Fargo and they stated that the person that account held had returned checks..impossible as A ) Its written on the XXXX Account..NOT my husbands account. B My husband does n't have checks..the whole reason that required us getting a cashiers check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a delinquent account. I have made previous arrangements to pay the balance. The first payment cleared in XXXX, XXXX. I set up subsequent auto payments in the amount of XXXX for 5 months. I have the confirmations. They continue to call and continue to give me wrong information for transactions I did not authorize. They are calling to the point where I am being harassed. They have the payments set up, I do not understand why they continue to call or why they have the information wrong when they call me.

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 04-05-2017 about Bank account or service (Checking account) with PNC Bank N.A. (CO).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX my Ex husband passed away. In his Last will and Testament he named me as executor of his estate and in the time since I have been trying to handle his affairs. I was appointed personal representative of his estate by the probate court onXX/XX/XXXX and have been trying to close a checking account since that time. I have contacted PNC bank with numerous phone calls and on 4 separate occasions via mail sending various documents that were requested. I still have not been able to close the account and transfer the funds to the estate account. PNC bank was provided with death certificate on XX/XX/XXXX and XX/XX/XXXX. PNC was provided with the death certificate and personal representative paperwork on XX/XX/XXXX and XX/XX/XXXX. To date I still have no resolution to this issue and when contacting PNC customer service I am told that they have no record of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are reporting false information on my credit report. A creditor improperly providing false information on a person 's credit report is a flagrant violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Had not used my XXXX store credit card for some time. Saw my credit report and saw account had been closed despite being open for 10 years with no late payments. Called to request it be reopened and was denied and basically was told they can close for any reason with no warning to customer.

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 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have had navient and was never properly advised for my best recourse. I also payed and they would state it was late or not paid, which ruined my rating. My attempt to contact is never responded to. I am drowning in debt and navient keeps finding new ways to increase my interest so no matter how much I did pay, I was always owing more.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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: I noticed the account on my credit report. I disputed and XXXX XXXX responded with US Patriotic Act ( which details for the company to keep records ). 

XXXX XXXX has not validated or verified the account is mines.

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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: I was informed by Equifax that I was possibly affected by the breach that Equifax has going on. I enrolled in their free product trusted ID and this service give XXXX the option to lock and XXXX lock your report. I kept my report locked because as stated by Equifax I was possibly at XXXX of identity theft. I had my report locked and went to unlock it as I tried to apply for credit. Got a error message that my request failed to unlock it. Friday XXXX XXXX XXXX gets a letter from Equifax that a fraud alert had been placed on my account. I never requested any fraud alerts and no disclosure advised that by locking my report that they would take it upon themselves to place this alert. Unbeknownst to me that would notify the other bureaus informing them to place an fraud alert on my report. Such a nightmare I am experiencing. I contacted Equifax to try and figure out what was going on and the XXXX hours I spent on the phone with them and the XXXX reps I spoke with had no clue how to help me and to this day my report is still locked. No one apparently knows how to unlock it. I never received an PIN numbers for my credit to be pulled when applying for credit! All I can say is this is such a night mare.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX 2015 I disputed charges that were unauthorized on my bank account. On XXXX XXXX my direct deposit went into my bank account for {$2600.00} the disputed charges were {$940.00}. At XXXX on XXXX/XXXX/15 the bank restricted funds for withdraw, I called them at XXXX and emailed them through the online system. After being on the phone with them without an answer as to why I finally received an email that said they were restricting my accounts, at XXXX. They have not notified me of finding against my claim for disputes, but today said on the phone that they wo n't know until XXXX XXXX. The disputed charges are XXXX my checking account balance is XXXX. It 's been 10 days since the dispute and the credits were given and no notice that they were going to be reversed. I paid my rent and the bank reversed the payment causing my lanlords bank account to be negative {$1300.00}. I have never been notified by mail, email or phone as to what is going on and now they do n't know when my money can be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Mortgage (Home equity loan or line of credit) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Application, originator, mortgage broker

Complaint: Early in XXXX applied for a regions bank home equity loan. Loan office was very inefficient and delayed the process stating that bank underwriters where not very responsive. The officer quit employment and moved to Indiana I was then introduced to new Bank officer XXXX XXXX. She said individual left and best to start whole process over, allowing her credit for transaction. I inquired if anything different and she said no. Process was completed and I was told there was a penalty for early termination except for sale of property. I sold property XXXX XXXX and title company send pay off figures which should have been XXXX. I was then informed that a penalty would be charged. I sent XXXX XXXX an email with information only to be told that the document required the penalty due to regions changing the contract during my application. If done before as i attempted their would have been no penalty. Attached e mails XXXX stated that she was wrong in her statement to me of no penalty at any time do to sale of property. She forwarded to bosses only to be told Federal lending laws prohibited the waiver. This response even after XXXX XXXX told Bank she misspoke and misled me. If the request was processed properly by bank loan officer I would not have received this penalty

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 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with SYNCHRONY FINANCIAL (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I did not apply for this Syncb/bp Dc credit card. Can you help me with this problem?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax is committing fraud on my credit file, and it is harming me. They are allowing a certain account in the amount of {$77.00} to XXXX XXXX XXXX cellular to reappear on my file, subsequent to having resolved a dispute about the account in my favor, and having stated as part of that resolution, that they deleted that inaccurate account from my credit file. 

In XX/XX/XXXX, I was a non-traditional, XXXX XXXX XXXX studying a post-XXXX XXXXl program at XXXX XXXX University. I own a home in the town of XXXX, Massachusetts, and I paid real estate taxes to the town and the expenses of running the property, on top of tuition, books, etc., at the time. I was not employed at the time. I had a XXXX college savings plan from which I managed, financially, my student life. 
This is prologue and background. 

I had XXXX XXXX XXXX XXXX as my cell phone service provider. I completed my 2 year obligation to them faithfully, not missing a payment. In XX/XX/XXXX of that year, I switched to XXXX XXXX XXXX 's own lower-price subsidiary provider, XXXX XXXX. I took notes during my transition of plans, and I was told by XXXX XXXX XXXX customer service on XX/XX/XXXX, that my final bill of {$77.00} had been paid to XXXX XXXX XXXX, and that my balance to them was {$0.00}. I owed them nothing in other words. 

On XX/XX/XXXX, I discovered that XXXX XXXX XXXX had referred this same amount to a collection firm, XXXX. 
So I have spent the better part of 2 years disputing this {$77.00} bill -which is bogus and unequivocally not owed-, with Equifax. The other 2 repositories, XXXX and XXXX immediately deleted the inaccurate information from their copy of my credit report, the first time, based on my online disputes in XX/XX/XXXX, and it has not reappeared on their copies of my credit file. 

Equifax, on the other hand, has allowed this account and very same amount to reappear on my credit file. Furthermore, they've done this subsequent to resolving a dispute ( Confirmation # XXXX ) for the very same inaccurate account and amount, in my favor. I hold this documentation from Equifax dated XX/XX/XXXX,  showing that Equifax deleted the item from my credit file. 

So, I am being defrauded by Equifax, and each time they allow this previously-adjudicated-inaccurate-account, and previously-deleted-account, back on my file, my FICO score drops from XXXX ( where it should be ) to XXXX. 

I want something done about this. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 have contacted the collection company and both Credit companys Regarding the error on my credit report. I do not recognize this account or ever have an account and since they clearly do not display with the original creditor was on the file I have no idea on how to look into it further. This grossly inaccurate negative account destroyed my credit and neither credit company is following the law along with the collection company by just plain accurate information outlined by the FCRA.

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 04-01-2015 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Account opening, closing, or management

Complaint: I received a letter from Fifth Third Bank " The curious bank '' that said through an envelope window " ACTION NEEDED : Respond By XXXX XXXX, 2015. '' On the back side of the envelope, it said " Time-Sensitive Materials Enclosed. OPEN IMMEDIATELY. '' This piece of mail was seen by my family members who assumed that this was very important that needed to be dealt with immediately. My family overnighted this mail to me so that I could handle whatever needed to be dealt with " immediately. '' Inside was a " Notification of Pre-approval '' for a platinum card. This type of deceptive advertisement has now cost my family money. To me, this is a clear UDAAP violation in the following ways : ( i ) it has caused a clear financial injury to me as a consumer, ( ii ) the injury was not reasonably avoidable due to the language from Fifth Third Bank and ( iii ) the financial injury I incurred definitely does not outweigh the benefits of having yet another credit card that I do not need.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 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: Information belongs to someone else

Complaint: I was shocked when I reviewed my credit report and found all the inaccurate items that did not belong to me. 

CREDITOR : XXXX XXXX XXXX Account # : XXXX I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debt and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested then I would like to have this item permanently taken off of my credit report immediately ( per my rights under the Fair Credit Reporting Act ).

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 03-06-2018 about Debt collection (Credit card debt) with Continental Finance Company, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I didn't receive identify verification from this company

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation