milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My problem is that credit reporting is used by companies to gouge consumers when they first request a service. In my case a service provider that has a monopoly in my city. I have been do business with this company for over ten years when I first went through them I had a co-signer so this was not an issue. But even though I have been a loyal customer with an account in the black through this entire period. A representative of this company called me and informed that because I have no credit history as reported by one of these credit checking services ; meaning I have never taken out a line of credit nor do I have a mortgage type payment exc .... I also do n't have bad credit meaning I have never filed for bankruptcy or let any of those credit lines I never had go in to the red to many times. This representative used the words " we do n't count the history you have had with our business, because we use credit checks ''. So you see my issue is not how the report was used, even though I feel that only industries that report on your credit history should be able to utilize it. My issue is that by this process being a thing it is destroying the customer to service provider relationship. How am I supposed to build loyalty with the companies I do business with if they want to charge me XXXX % of my monthly income just because I do n't have a credit card? 
Disregard any bubbles that I selected in the first portion. you do n't get to choose what issues people have with the service you provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: It has been 30 days since Experian received my dispute regarding XXXX. They are unable to verify the accuracy of the account, yet they refuse to delete it. In truth they have had 6 months to investigate.

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 09-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I detected fraud on my company 's Chase XXXX XXXX XXXX on Friday, XXXX XXXX, XXXX. 

When I called to report this to them, they said that they would rush deliver a new credit card under my name to my apartment as soon as possible. 

However, when the credit card finally arrived on Monday, XXXX XXXX, XXXX, it was the wrong credit card. They issued a new credit card for my manager and sent that to my address instead.
This was completely unnecessary as I reported fraud on MY credit card, not HIS, yet they sent me a replacement card for HIM and MY new credit card was nowhere to be found. When I contacted Chase XXXX XXXX XXXX services, they were vastly unhelpful and unapologetic for an error that they created. 

Now, my business has lost 2 days without having my credit card on file and Chase has not owned up to their mistake. This is completely unprofessional and unacceptable. Due to their incompetence, we now have to wait approximately 2 more business days until I get my new card. 

Terrible customer service. The representatives I previously spoke with on Friday, XXXX XXXX, XXXX were unhelpful and obviously unfit to handle this situation. However, much worse were the representative AND supervisor ( XXXX ) that I spoke with on Monday, XXXX XXXX, XXXX. Absolutely horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Other transaction issues

Complaint: This complaint is against Western Union Money transfer servicesI initiated a transfer on XXXX XXXX 2015 for the amount of {$180.00} to be collected at an agent location in XXXX. XXXX # XXXX. 
After waiting 2 weeks without the receiver getting the money I called WU on Fri XXXX XXXX XXXX was told that there was a system issue with Western Union and the transfer would be escalated. I was told to wait for 24 to 48 hrs to receive a confirmation and was assured that the supervisor would call me back within this time frame with any updates. 
I did not get any form of confirmation or communication from Western Union. 
I called back again on Sunday XXXX 2015 and spoke to supervisor whose first name was XXXX and operator number XXXX. She again claimed that she will escalate the issue and call me back with a resolution. I also requested the transaction to be cancelled during this phone call which she assured will happen. 
Again I receive no communication. 
Called back for the third time on XXXX XXXX 2015, was repeated the same scripted dialogue. I have not yet received any updates from Western Union regarding my transaction. 
Prior to my first phone call I was never informed of any issues and the " transfer tracker '' on the website still shows the transaction on progress. 
I would like to cancel the transaction and receive my money back at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: According to TransUnion the have in Public Records under docket # XXXX stating I file a chapter XXXX in XX/XX/2009. I did not and I am faxing over my police report as proof that my identity was used without my permission.

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 02-07-2018 about Debt collection (I do not know) with Ideal Collection Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am being told i lived at a place called XXXX XXXX by a collection agency called ideal collections, i have lived at the same ady since 2003, i have provided police reports ID utility bill history etc the company wants all my tax returns mulitiple ID 's and my SS card and the credit beurus keep  removing this collection then the company threatins me and puts it back on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Several years ago, this company ( Portfolio Recovery ) contacted me about owing this debt that they claimed resulted from a XXXX XXXX Credit Card. I began to pay but questioned whether or not I paid off the account. I stopped using the XXXX Card in XXXX because I knew I could not afford it ; however, I thought I paid off the account within a couple of years. I requested proof that I owed, and never received proof nor further communication from Portfolio Recovery. When I contacted the XXXX to initiate complaint against Portfolio, XXXX could not find the correct address associated with Portfolio Recover. Now, according to the Credit Bureaus, Portfolio is making it look like I opened an account in XXXX and have not paid on it. Which is not true. I have not reestablished having a credit card because I want to clear up and fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Medical) with Account Management Resources (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Had active medicaid insurance. Dr office did not get proper authorization for follow up. Per billing guidelines can not bill patient for physicians office error, office responsible for getting authorization. Dr office stated I signed a medicaid ABN stating I would be responsible for charges not covered, however if proper authorization had been obtained insurance woild have paid. Spoke with medicaid billing line and confirmed physicians office never got proper paperwork. Also informed physicians office can not bill me for the balance as a medicaid patient.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I had been a customer of American Express Since XX/XX/XXXX. The last few years I epay my account through XXXX XXXX. I always pay the account in full. On my statement with the closing date of XX/XX/XXXX I was charged a {$27.00} late fee and {$16.00} in interest for a mistake that American Express made not XXXX XXXX who they tried to blame. The next month there was another {$14.00} in interest charges even though I pay in full. It took numerous phone calls to get those charges reversed mind you through no fault of my own. Yesterday I opened my new bill with closing date ofXX/XX/XXXX and saw {$9.00} interest charge. This is because instead of entering the balance of {$3500.00} in epay I entered {$3500.00} which is XXXX dollar short. I called XXXX to see if this could be resolved. {$9.00} for {$1.00} error plus the additional interest that would be charged next month. They would not do it so I closed my account easy enough. The female rep stated there were {$150.00} in reward points that would be credited to the final bill. Now XXXX through online chat is stating per the agreement no way am I getting the rewards. Really {$9.00} plus for a {$1.00} mistake. Nothing for their mistake and now they are cheating a once loyal customer out of their rewards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2016 about Bank account or service (Savings account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: This is regarding my client who is under the XXXX and needs support regularly. He is in our care now and is entering XXXX services soon. This client was charged more than XXXX dollars in excessive transition fees every month. The last two months shows more than XXXX dollars lost from his meager check of XXXX dollars. The branch manager at XXXX at XXXX in XXXX knows him by name and understands that he is under XXXX. This case manager tried to explain that my client does not understand what he signed into and believes that he was just signing into a no cost direct deposit account as explained to him. The bank employee clearly does not want to resolve this. They claimed that they did everything as per the law. My client has even transferred a dollar from his saving to his personal checking and got XXXX dollars of fee every time. This is the money he has earned pushing carts in heat and rain and snow. He wants all his money back -- which is at least XXXX dollars or more. The bank manager first did not want to work with XXXX and me and later wanted to return only what she thinks is appropriate. She clearly brushed aside my concern that my client was being taken advantage from the very beginning therefore all the money has to be returned. She defended her predatory practice of opening saving account that charges money for going low, for transferring his own money from saving to checking, and others that we do n't even know. My client is gullible and has XXXX. He cant even tell you the change he receives after buying a gum. The store manager denied any wrong doing and denied to return the money back. This was reported to the corporate online XXXX and provided all the info requested on the XXXX of XXXX because they wanted to investigate. But, it does not look like this is going anywhere. I am reporting it here, because I believe that my client has fallen to the victim of predatory banking by citizens. I am at disbelief that the bank is scooping money out of this clients account who does not even understand simple addition. I am awestruck with the corporate culture that takes advantage of the poor and vulnerable and still claim that they are doing everything by the book and challenge those who reminds them simple moral practices in banking. 
I want this matter to be investigated and want the bank mangers to be trained to work with people who are XXXX not make their bonus on the expense of people like my XXXX client. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Vehicle loan or lease (Loan) with Tebo Financial Services, Inc. (OH).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I have reached out to the company to get proof that the reporting information is correct and they will not send me anything back. I 've contacted them by mail with certified letters and still ca n't get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Name is wrong on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX   XXXX   located in California is reported on all   XXXX    of my major bureau credit reports as a closed unpaid account ... I have disputed this amount with them and have requested on numerous occasions that they send a validation of the debt and why they feel I owe that amount. The most recent call was on   XXXX   XXXX   at   XXXX   in which proper proof of this amount was not provided instead I was negotiated at a different price then listed on my credit and they would remove the account completely from my credit. I found this very strange and when I asked for paper work and proof I was told it would be emailed to me. I never received the email I called 4 days later and was told someone would call me back. I am requesting they either send proof of why they feel I owe this or request they remove it as it is hurting my credit and I am trying very hard to rebuild 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 08/25/2015 about Debt collection (Non-federal student loan) with URS Holding, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: XXXX of ERS XXXX, IL XXXX keeps calling and harassing me about a debt she can not validate. But, the debt is not in default and I have not been contacted by my creditor regarding this company. They are trolling. When I asked them to identify themselves and the nature of their business, they refused. When I told them I do not do business over the phone, they threatened me. " Then suffer the consequences! '' And, " It 's too late for all that suffer the consequences! '' She sent me a correspondence XXXX XXXX, with no knowledge of any creditor and trying to sign me up for XXXX. I have no debt in default ; I 'm six months late.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: on XX/XX/2018 i tried to get my free credit report for online viewing from equifax on the XXXX site. i completed all information but the test questions failed due to equifax 's error in accuracy. the next to last question had a creidtor for car payment which was mispelled severely. i answered none of the above because of the error. the last question asked for the amount of payment. i answered none of the above because the name of the creditor was wrong. the system said i could not get online access. their error. my car payment is paid to XXXX XXXX. that was not even close to the name on the quiz. other issues. i tried to call to put a lock on my equifax report. after going thru their auto system, the system said i would be transferred to a representative, then hung up! i attempted the same with XXXX XXXX and could not lock my file since i did not have a code they said was sent to me. i ended up with a 90 alert. these bureaus are not accountable to the public because oversight is non-existent. to date i am not aware of any consequences for equifax for the great security breach. any other company would have offered free identity theft protection for those affected. at the very least there should be live representatives for XXXX people like me. also, i was able to access my XXXX  report on line and my browser crashed. do i have a way to reaccess this report?

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: I would like to file a complaint against BBVA Compass Bank for taking an application that was never going to be approved based on a policy that they do n't disclose when taking applications for credit cards. I applied for a credit card when I already had 1 and the limit is only 1 but I did n't find out at the time the application was taken and was not told they only allow their customers to have 1 card. The person taking my application did not inform me and knew at the time I had one but proceeded to process it knowing I was not going to be approved. I fee that I should have been informed of the policy at the time of the application so that I would not have wasted my time or a pull on my credit. I think that is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (ID).
Issue: Managing the loan or lease

Complaint: Synchrony bank account number XXXX. I bought a washer and dryer from lowes in XX/XX/XXXX, interest free. I received a few statements but in XX/XX/XXXX the statements stopped coming. I went to Lowes to check on my account and they did not have any record of the account. I thought the account was paid in full. 
I recently filed a complaint with the CFPB on another synchrony account, and then I received a notice from XXXX XXXX XXXX. on this account for XXXX. The original line of credit was for XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/26/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am getting repeated calls from american express ( XXXX ) asking for a XXXX XXXX whose card ends in XXXX, and the call continues to say he owes XXXX dollars. 

Last week I held on and finally spoken with the operator. I told the operator I am not the person they were looking for. I was told the calls would stop. They did not. 

The calls are coming to my cell phone XXXX, or they may be transfered from my home phone XXXX. 

This call comes every few hours .... 

Getting very tired of this. I want this to end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Debt collection (Medical debt) with Medical-Dental-Hospital Bureau of San Antonio (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received an incorrect bill. They have called me, giving me an ultimatum, and telling me they would affect my credit. This seems to be harassment due to the below history. History : XX/XX/XXXX- I petition health benefits from the Social Security Administration ,  receiving a response saying I do not qualify. XX/XX/XXXX- I go through a XXXX procedure at XXXX XXXX XXXX XXXX XX/XX/XXXX- I receive a bill fro {$480.00} of charges, totaling {$1900.00} where XXXX would cover {$1400.00}. XX/XX/XXXX- The coverage by my health insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX ended. XX/XX/XXXX- The coverage from XXXX XXXX XXXX XXXX XXXX , began XX/XX/XXXX- I paid the bill of {$130.00} for the total charges of {$290.00} where XXXX covers {$210.00} XX/XX/XXXX- Agreed for a payment plan to pay the balance of {$480.00} in 10 payments. I completed these payments between XX/XX/XXXX and XX/XX/XXXX.
XX/XX/XXXX- I received a bill for {$680.00} XX/XX/XXXX- I had a conversation with a representative at XXXX where I explained that this payment doesnt correspond to me, since I had already paid my {$500.00} deductible, and it is the responsibility of XXXX to pay that bill. I also added that it was very inconvenient that they were creating differing statements. XX/XX/XXXX- I receive a notice for the Collection Agency requiring the payment of {$680.00}. XX/XX/XXXX- I receive a telephone call from the Collection Agency ( XXXX  XXXX ) where I explain the inappropriateness of this bill. I then sent all the records and history of this issue. XX/XX/XXXX- In other conversations where I myself called XXXX , they agreed to pay this charge ( even if I dont have coverage with them at the moment ). The only condition they placed is that I send them a letter from the Social Security Administration stating that I was not qualified for XXXX. I obtained that letter, I sent it to XXXX and a copy to the Collection Agency. We agreed to wait for a response. XX/XX/XXXX- I received another notice from the Collection Agency requiring the above-mentioned bill amount, this time with very harassing notes, without any attempt to speak and communicate with me over the our previous agreement of waiting for a response from XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (GA).
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: Dear XXXX and Barclay, I attached a copy of the letter from XXXX XXXX stating your company to delete and remove this account immediately from my credit report and credit files. I still want to know why your company violated my consumer rights because based on this letter XXXX stated they sent a request for XXXX to delete this account on XXXX XXXX, 2016. Therefore, both XXXX and Barclay have violated my rights under Fair Credit Reporting Act for reinserting a recently deleted item back on my credit report as well as did not comply with the collection agency request. I have already talked to a consumer attorney on this matter and I will be forwarding this letter to the Better Business Bureau as well as the Attorney General Office.

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