milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Credit card protection / Debt protection

Complaint: A credit card account was added to my primary bank account, which I never agreed to, nor seen the card, nor used the credit card. It was never mailed to me. However, I have been getting charged with overdraft fees from my primary account. Which is strange considering that I have not had an overdraft fee in over 10 years due to my savings account. If I go over on my primary account the funds will automatically take from my savings. I had it set up this way for years. When I noticed a charged was added to the credit card account of {$100.00} by checking my bank on line, I paid the balance ONLY to get it off my account, hopefully to get rid of it. However, the balance continued to increase. After speaking to a banker considering this matter is when I was informed that the charges were from overdraft fees and the credit card was set up as an " overdraft protection '' instead of my savings. I explained to the banker that I never agreed for the credit card to be my overdraft protection because I had already have that set up with my savings account. I continued by informing her that I have not had an overdraft until this credit card was added to my account, that is strange. Supposedly I had overdrafts since XXXX to XXXX. Now I have a balance of {$470.00} which is now on my credit report and affecting my score. I informed them many times that I did not agree for a credit card to be added as my overdraft protection, nor have I seen this card, nor even used the card but still I 'm being harassed to make payments on this account and damaging 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
Consumer complaint received 01-06-2018 about Debt collection (Other debt) with AFNI INC. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In the fall of 2015 I ended four years of service with XXXX XXXX XXXX. I paid my bill on time for 4 1/2 years. I left because XXXX XXXX XXXX tried to sneak additional charged services in without notification beyond items hidden in the fine print. 

I ended my account in XXXX of that year, paid my past due and moved the number to XXXX. Then in XXXX I was charged for a full additional month of service not received. I protested and eventually had verbal confirmation that the charge would be forgiven. Now they have resent it to collection. The matter is only over the amount of {$81.00} which was charged for services never received. 

This is terrible business practice and very dishonest. I seek XXXX XXXX XXXX to remove the fraudulent bill and fix any negative impacts to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Equifax classified a specific dispute as " fraud '' when I specifically said " outdated '' The items still remain on my report to date even though I have disputed time and time again. I believe they are going to flag my account as frivilous when I have only followed their guidelines. Their incompetence has hurt my ability to obtain an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have contacted TRANSUNION several times on the   XXXX   XXXX   account that has been paid in full since  XX/XX/2017   . I have tried to get them to update the credit report and they refuse to do so. I am going to be seeking legal advice at this time. They are reporting misleading information on my report, and I have a legal right to dispute this information and also to have it reviewed and updated. This account is paid in full as you will see in the evidence submitted.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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 asked Transunion to verify a debt from   XXXX   XXXX   XXXX    who has already informed me that they do n't have a signed contract to authenticate this debt but it keeps coming back as verfied after numerous attempts to have account verified. I am constantly told that they have done what is required of their company. Even after explaining to them that I have spoken with the original creditor and informing them that they did not have any supporting documentation. Had to do a phone verification with   XXXX   to have this information removed but they removed it. I requested to have this information verified by signed copy of a contract. They have been verifying by name, DOB, SS #, and address. Which is all correct but where is the contract showing I agreed to the term of the agreement that they sent without a signature acknowledging I agree to terms. If Transunion has n't been given a copy of a signed agreement or contract between myself and the  XXXX   XXXX  Bank reporting agency how can this account be authenticated? I have asked on numerous accounts to have this authenticated by more the just my DOB, SS #, Address, Telephone number. I have asked specifically to have an original or copy of a signed contract or agreement be requested. I have been told by the senior level employee that they are not required to get this info and that they have met their requirement to validate. Even though I am telling them more info is needed and that I am disputing the legality of this account.

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 04-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: This is in essence the same case that was submitted/reported under ( XXXX and XXXX ) for XXXX XXXX. This complaint is specifically for American Express for similar reasons. We agreed to purchase a timeshare from XXXX XXXX if they purchased our XXXX timeshare. They failed to purchase our timeshare within the time required ( 60-days ) - it has been over 6 months. In the attachments much more detail is provided in the " XXXX timeshare summary ''. American Express has sufficient information to reverse the charges but they are ignoring the evidence. XXXX XXXX needs to either purchase our XXXX timeshare as agreed or tell American Express to refund our money. 
For XXXX XXXX to abide by the agreement they would need to purchase our property for the agreed to amount of {$100000.00}. Since they also agreed to refund the entire amount of the purchase of their property in the first XXXX we would also like those charges reversed on our credit card ( {$24000.00} ). At a very minimum the credit card charges should be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX department mistakenly filed a tax lien against me. I contacted them and they sent me a letter to send to XXXX, XXXX and Transunion credit bureaus telling them it was okay to delete the entry. XXXX deleted the entry about the tax lien, XXXX has not, saying its a legitimate debt.

Company public response: Company chooses not to provide a public response
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 JPMORGAN CHASE & CO. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Starting on XX/XX/XXXX, Chase Bank starting making hard inquiries on my credit report and has continued to do so at least once a month thereafter. I have disputed this with XXXX and XXXX, but the results came back verified. After talking to Chase twice, they said they would remove the inquiries, but to no avail. They are still placing inquiries on my credit report, even after I placed a fraud alert on all 3 bureaus. Following is the list of inquiries : XX/XX/XXXX CHASE CARD PXXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2015 about Consumer Loan (Vehicle loan) with UNIFOUR FINANCIAL SERVICES, LLC (NC).
Issue: Managing the loan or lease

Complaint: I purchased a XXXX from XXXX out of XXXX nc they financed the truck at Unifour Financial which owns XXXX, seems like a monopoly. 
The truck value was {$4700.00} but after financing it the total cost is {$16000.00} about {$11000.00} more than the truck value. 

They financed it in my name but since they could n't verify my income they had my Mother co sign, my interest rate was 27 % and after my Mother co sign the interest rate remained the same but it should have been around 7 or 8 % because her credit score at the time was XXXX. 
Consumer fraud was committed on behalf of XXXX and unifour financial because they hid problems about the truck which they knew about, like they purchased the truck from an insurance auto salvage auction in XXXX NC But failed to tell me. they failed to tell me they touch up paint and sprayed a thin layer of clear coat on the truck just good enough to sell which the clear coat and paint came off within a week of purchase. the driver and passenger floor board has rusted holes in which they hid by placing vinyl flooring over it. the steering column collar has bolts missing in which the collar is hanging down. the ignition switch wo n't work sometimes. the passenger door can not be unlocked from the outside. the transmission torque converter is slipping since day XXXX. Unifour financial wo n't work with me on anything, they do n't do deferments, they do n't refinance, nothing will they do, XXXX has had all these issues presented to them numerous time but they have always ignored me. consumer fraud has been committed by both businesses

Company response to consumer: Closed
Consumer complaint received 12-05-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (AZ).
Issue: Application, originator, mortgage broker

Complaint: I applied for a US Bank Mortgage nearly 4 months ago and my loan officer indicated that my file was underwritten near 4 weeks ago and I responded to XXXX questions from underwriter. 

I was supposed to close on my new home in XXXX on XXXX XXXX 2015 and at this stage US Bank is indicating that they can not let me know when my home will be funded and closed. 

Also US Bank has had my file with their compliance department for over 2 weeks and I am very upset and disspointed with the whole process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I contacted Ocwen today regarding the conflicting status on the account and was placed on hold for a long period of time. I was later told that because we were working with our relationship manager that I had to call another number. The number provided was the number to the Office of the Ombudsman. This office took our information and placed my wife on hold later coming back and stated that we had to Contact XXXX XXXX because there was nothing they could do even after telling us the day before that there was not active sale, but today stating that there was a sale on Friday XXXX XXXX, 2016. When XXXX XXXX was contacted via email, counsel said that because 1 year ago, we had said that we were not interested in a modification, that modification chances were off and the sale would be held on XXXX XXXX, 2016. An email was sent back stating that we were interested in a modification. The attorney came back and said no to the opportunity for a modification and said that any future communication concerning the matter must be directed to him ( cutting off any contact to our relationship manager, Owen 's Office of the Ombudsman and Customer Care ), just XXXX day after the Relationship manager said that there was no sale pending and that modification assistance was available.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Since XX/XX/XXXX I was on a repayment plan with XXXX XXXX XXXX  that was to end in XX/XX/XXXX. The payments were for XXXX  due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled, XXXX XXXX XXXX is stating that the repayment plan was set up incorrectly with XXXX XXXX, whom is supposed to be a " dedicated loan specialist. '' XXXX XXXX is reporting to the credit bureaus that at this time I owe sinceXX/XX/XXXX. This is incorrect and I have fulfilled the five months and total amount due of XXXX. XXXX XXXX has claimed today, XX/XX/XXXX, that the repayment plan was set up incorrectly- they should have certainly noticed this during the five months they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and XXXX XXXX is the only company that does not have me current on credit reporting. Now that I am current with XXXX XXXX, they need to update the credit ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Debt collection (Medical) with Louisiana Recovery Services Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a XXXX veteran. After XXXX XXXX destroyed the VA hospital, we were advised to seek emergency treatment at the nearest facility and we will be reimbursed. In XXXX XX/XX/2011, I used XXXX Ambulance service to rush me to the nearest hospital, and my family and I advised them that VA was my only insurance. They failed to submit a claim to VA and put me in collections. during the 2 year period they had to submit a claim, they nor their collection agency never called me. I assume is because they can get away with billing me over {$XXXX}. But, they could only bill VA a minimal amount. I recently requested that they submit the request for payment with the VA, the XXXX Representative declined to respond. I believe this is a deceptive practice aimed at getting more money from the patient, then the government.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (PA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I have a monthly car note with XXXX XXXX XXXX of {$500.00} with a past due balance of {$980.00}. I would like full validation of the loan to prove I owe anything. And If it can not be proven to be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Using a debit or ATM card

Complaint: Chase Bank refuses to send a debit card to my address of record in retaliation for filing a previous complaint lodged against a branch manager at a XXXX, Washington office. The XXXX branch manager had refused opening a checking account based on my race : He did not accept the reality there were XXXX living in former XXXX only areas. 

Its banking representatives offer excuses rather than solutions. Back on XX/XX/2017, there was a bank request for a debit card with a seven to ten day estimated time of arrival. It did n't arrive by regular postal mail by XX/XX/2017, so it was necessary to call telephone banking to resolve the issue ; especially, since the building of residence has controlled access points, and the personal mailbox key belongs to the bank account holder. After speaking with XXXX customer service representatives by telephone, neither of whom were willing to provide any written documentation regarding the debit card, it was necessary to visit the local branch office. 

On XX/XX/2017, the helpful branch manager at the XXXX, Washington location ordered another card by XXXX 2 day expedited delivery with an expected arrival date of Monday, XX/XX/2017. The debit card never arrived. It was necessary to contact telephone banking services on both XXXX and XX/XX/2017 and express dissatisfaction with customer service because someone had intercepted the bank card during transit. A banking representative person in charge first stated the bank did not re-send the debit card to the address on record because of the account was less than 30 days old and it was bank policy not to send XXXX cards to the same address. When told neither the first nor the second bank arrived to the address on record, another banking representative claimed there was a change in address and the bank not be able to send a debit card for thirty days. I adamantly demanded to know who placed account restrictions and for what reasons because someone had internally flagged it ; in addition, I demanded to know what party made an unauthorized change of address without either my knowledge or consent because since I had made none. Then it was necessary to tell the banking representative person in charge that Chase bank will not send a debit card to my home address of record because it was participating in racial discrimination. 

Although both XXXX and XXXX have validated the address on file with Chase, the bank still refuses to send the debit card because of a previous negative encounter with the XXXX branch manager who made an internal complaint flagging the account for suspicion of fraudulent activity based on his claim the address on file was not valid. The branch manager had acted in a vindictive manner in retaliation for filing a formal complaint of racial discrimination with Chase executive offices.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: PLEASE STOP DENYING ME AN INVESTIGATION! 
I would like to dispute lien XXXX in the matter of {$5500.00} which appears on my credit report. I have been attempting to communicate and contact Transunion regarding the incorrect and invalid lien and they continue to harass me and ignore me. I have been denied all requested descriptions and procedures and realistically asked to go away and not bother them over the phone regarding the matter. I am appalled at their behavior they are sternly refusing to provide me any proof, documentation and evidence of their investigation and have told me repeatedly that it is not in the " law '' to provide me with any information. 
They have also claimed that they have received NO communication from me reading the matter and that is in fact false. I have faxed and mailed the LIEN Release form XXXX and Form XXXX regarding the disputed lien and they claim to have not received such documentation and communication. This company is clearly not doing their job nor anything legal for that matter. I would like to escalate my matters further. I have suffered tremendously due to their ignorance and refusal to follow the federal guidelines. I have asked for public record documentation an the best that I have seen was a form from 2009 regarding the initial lien. The dates or incorrect and the legitimacy is incorrect and this account should NOT be reporting on my file. I am no holder of a lien nor am I indebted to anyone. I have told them over an over again that the address of the lien was incorrectly linked to my name, as I live their as well. The lien is under a XXXX XXXX at the SAME address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MD).
Issue: Unauthorized transactions/trans. issues

Complaint: I am a Rushcard holder. I have no idea why. I have bank accounts. I will close my Rushcard account after I get my money. I received a text stating my card had been blocked for suspicious activity and to contact Rushcard. I called them immediately and upon me calling, I started receiving text stating I am being issued a new card and it will be in the mail in 7-10 business days. I began asking what was compromised and a better explanation and the rep is short with me and tells me that it comes from coporate. It has been 7 days, I still do n't have my " new card ''. They did n't even offer me the option to expedite the card! I get paid tonight and will not be able to access my funds. This will be a deposit of over XXXX. I have XXXX children. I work everyday. I called again today and XXXX, the floor supervisor in customer service told me to wait until Monday and at least my money is on the card and I should n't be upset. And if I want to get a lawyer to go ahead. I then called XXXX customer service who told me, someone will call me back in 2 business days! I am very disappointed. I told my family members about the service due to THEM not having a bank account. I should have never opened a card with them. That Fee holiday is XXXX. They should be ashamed. Please someone do something.

Company response to consumer: Closed with explanation