milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: My bank account at Chase was closed for no reason. When I ask why the account was being closed they said they reviewed and decided to discontinue doing business with me. The account was in good standing with funds in the account and a XXXX direct deposit. I had n't bounced any checks or have any overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: During an investigation, credit reporting agency failed to provide the validity of a debt that was reported. Thr name of the collector is  XXXX   XXXX   XXXX   XXXX   XXXX ,    2017  in the amount of {$480.00}. This is not good practice snd violates my consumer rights.

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 07/22/2017 about Debt collection (I do not know) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company AFNI , Inc. has reported that I owe an amount of {$230.00}. AFNI claims, and is reporting on my credit report, that it was opened in XX/XX/XXXX. Supposedly, the original creditor is XXXX. I have asked for proof that the debt is mine on various occassions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I have notified the credit agencies and had it removed from both XXXX and XXXX.  However, XXXX continues to say that is a valid debt, when I ask for proof I am sent a generic spreadsheet printout with my name on it and no details of any account. Furthermore, the only time in my life that I have had XXXX was between XX/XX/XXXX and XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. The account with XXXX was closed prior to my bankruptcy ending. Therefore, it was included in my bankruptcy and even if the supposed debt was not included in my bankruptcy it would have already passed the 7 year statute of limitation for being reported to my credit and the four year Florida statute of limitation on written contracts ( of which no one has ever been able to provide one ). AFNI continues to " re-age '' this debt on credit report and refuses to remove it despite the fact it is eroneous and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit card () with CITIBANK, N.A. (OK).
Issue: Delinquent account

Complaint: I received notification from citi bank regarding my best buy mastercard being past due. Upon receiving this notice I checked my credit report which now shows a derogatory mark due to this account being 90+ days past due. I called the number provided on the letter & explained that I had not received any type of statements or notifications prior to this delinquent notice. My email was confirmed as I am setup on e-bill, however I have not received any type of statements regarding my account via email. I was being pushed to pay the balance of over {$150.00} due to late charges accrued on my account. I requested to know why I did not receive a notice when my loan become 30 days delinquent, to which I had no response. I was transferred to another department for 'resolution ' in which I was disconnected when the agent answered. I was advised by the prior agent that I could not make a payment online since I did not have my XXXX. He advised there was no way to reset my password without having my credit card. My credit card was discarded of to prevent use of this account. I am aware that an annual fee is charged and as a consumer I am responsible to pay, however it is the responsibility of the creditor to also notify the consumer of amounts due or actions that will be taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-07-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine. First, Midland Funding LLC tried to collect I requested verification of the account, the information was not provided. Now, I received another collection letter from a different company for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried and tried to get Experian and my creditors by disputing through both to correctly report the accounts that were in bankruptcy. I noticed that XXXX and XXXX have made more of an effort but Experian has not. My spouse is having the same issues with Experian. Our Ch XXXX discharged. Post discharge, creditors are not allowed to report us a having a balance due or late. I have attached some print screens of my credit report with Experian report as of XXXX. They are telling me that I have 6 negative and delinquent accounts with bad payment history affecting my credit score. How can this be when 100 % of my debts were included in my Ch XXXX bankruptcy ( except the older, good credit ones that were paid off prior to our filing on XX/XX/XXXX ).? I have attached a discharge letter, claims history, and other evidence. If you will note, XXXX XXXX XXXX XXXX is showing a failure to pay in XXXX ( see the red FP ). They are not allowed to show me late in XXXX. You cant show lates or balances past my petition on XX/XX/XXXX. I have the legal right to open my bankruptcy case up again and file injunctions against all XXXX credit bureaus and every single one of my creditors, as they are all in violation of the bankruptcy discharge order. Might I remind them there is case law to support my position and claims : There is case law to support this : XXXX vs. XXXX XXXX XXXX and XXXX, XXXX ( Bankr. XXXX ). Here, the court relied heavily on two of my cases, XXXX XXXX XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX  XXXX ( Bankr. XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX XXXX ( Bankr. XXXX XXXX ), This willful refusal to correct my record post-discharge is robbing me of a fresh start. Also, both XXXX and Experian are now refusing to allow me to dispute accounts online. They are requiring me to send in all of my personal information and dispute by mail. This practice should be outlawed as it goes against what is supposed to be their purpose and that is to protect the economic system and the creditors. They are asking us to put everything in an envelope that someone could steal our identity with. I am not going to do this and I am surprised that the banking industry, who loses XXXX every year to identity theft, has n't lobbied against this practice by the credit bureaus. I will NEVER be putting my social security card, drivers license, birth certificate and other requested identification into one envelope in the mail. That is not only the stupidest thing anyone has ever asked me to do but also a risk that I should not be asked to take and the credit bureaus should be obliged to handle my disputes regardless of this.

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 12-10-2017 about Mortgage (VA mortgage) with Idaho Housing and Finance Association (IA).
Issue: Trouble during payment process

Complaint: Contacted XXXX XXXX prior to property taxes due in XXXX to verify amount covered by escrow. Customer service informed me the escrow account pays the amount and the letter is just a taxes formality. 

XXXX XXXX received a letter stating taxes were not paid with 30 day notice. Called XXXX XXXX 3 times, emailed letter, each time was told it was being taken care of and would take 10 days and watch my escrow account. XXXX XXXX still not paid. Received survey letter in the mail from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit card () with U.S. BANCORP (KS).
Issue: Billing disputes

Complaint: On XXXX XXXX, XXXX, I order XXXX Vitamins via their website and selected " Rush Trial ''. After which the website added several additional products, XXXX and XXXX XXXX, to the order that I did not intend to order nor did I want. I immediately called the number listed on the website and cancelled the entire order. The customer service representative assured me the order was cancelled. However, I received a shipment of items from the company via mail. I refused the shipment and it was returned to the original sender. I was never issued credit for the XXXX items. I then filed a dispute case with my credit card issuer. The card issuer, US Banc Corp, issued provisional credit on XXXX/XXXX/XXXX. However on XXXX/XXXX/XXXX, the provisional credit was reversed and they indicated that the shipment was never returned nor was it cancelled. The history of the tracking number clearly indicates that the original sender received the item back and that the items were indeed refused.

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 01-03-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (VA).
Issue: Other transaction problem

Complaint: Hello, I was doing my year end bank statements and noticed that paypal pulled out {$300.00} from my checking account in an unauthorized transaction. I contacted Paypal, and they refused to do anything about it and reimburse my money

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with States Recovery Systems, Inc. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have a debt that university of XXXX is claiming that I owe them due to my not taking a masters program with them after I took the bachelors program. They sent this debt to a collection agency and I have been making {$25.00} payments once a month to States Recovery System, Inc. On XX/XX/XXXX I get a letter saying that I have XXXX of XXXX outrageous payment agreements to make or they are moving forward. The XXXX option is to pay {$2000.00} a month. The XXXX one is {$1100.00} a month. The third one is to pay {$670.00} a month. They gave me until XX/XX/XXXX to make a decision when the letter was dated XX/XX/XXXX and I got it on XX/XX/XXXX. I do n't know how these payments are justified out of the clear blue sky when I have been making payments that I can only afford and I have not been ignoring them or running away from them either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have paid accounts and I have differed loans that were settled. I also have medical bills that were paid that are still showing on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I applied for the American Express Platinum card with American Express and got approved for the card on XX/XX/XXXX. The signup bonus of this card is receiving XXXX Membership Rewards by spending {$3000.00} with the card within 90 days from opening of the account. I met this spending requirement and received XXXX Membership Rewards on XX/XX/XXXX. As I noticed the card was not as good as I expected, I asked to close this account in XX/XX/XXXX. To my great surprise, I found after this account was closed, American Express removed XXXX Membership Rewards from my account on XX/XX/XXXX. I called them several times to resolve this issue but was told that I could not get the Membership Rewards back with no explanation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: THE RESPONSE ON CFPB ENDING ON XXXX WAS A COMPLETE LIE ON THE PART OF XXXX XXXX. THE CLAIM WAS FILED ON XXXX/XXXX/XXXX ON THE FRAUDELENT TRANSACTIONS AND XXXX XXXX CLOSE THE ACCOUNT ON THE SAME DAY AND HAVE COPY OF THE LETTER THEY SENT ON THE SAME DAY. ON XXXX/XXXX/XXXX THE CLAIM WAS DENIED ON THE NEXT DAY AND STATED THEY WERE GOING TO REVERESE THE XXXX CREDITS OF THE 36 TRANSACTIONS ON XXXX/XXXX/XXXX. ON XXXX ANOTHE RLETTER WAS SENT SAYING THE SAME THING AS THE LETTER DATED XXXX/XXXX/XXXX AND STATNG THE THE ACCOUNT WAS CLOSE ON XXXX. 
1-LETTER ACCOUNT WAS CLOSED ON XXXX/XXXX/XXXX DUE TO FRAUDELENT ACTIVITY TEMPORARY CREDIT IF ACCOUNT CLAIM IS FOUND VALID. 
XXXX XXXX/XXXX/XXXX CLAIM RESOLVED AND ATM CARD ENDING ON XXXX. WILL REVERSE THE CREDITS BY XXXX/XXXX/XXXX XXXX LETTER DATED XXXX/XXXX/XXXX SAME AS # 2 CLAIM RESOLVE AND REVERSE CREDIT WILL BE DONE XXXX LETTER ON XXXX/XXXX/XXXX STATING THE ACCOUNT WAS FOUND THAT ALL FRAUDELENT WAS WAS IN FACT ILLEGAL AND THE CREDITS WERE PERMANENT. HOWEVER THAT NEVER HAPPEN. 
THIS ACCOUNT WAS CLOSE XXXX XXXX/XXXX/XXXX BY XXXX BANK DUE TOFRAUDELENT ACTIVITY. THE RESPONSE ON CFPB STATED THE ACCOUNT WAS CLOSE ON XXXX/XXXX/XXXX AND THAT WAS A LIE VERY SIMPLE ON XXXX ON THE ACCOUNT THAT WAS CLOSE ON XXXX/XXXX/XXXX BANK SHOWS THAT THERE WERE CASH XXXX CASH WITH DRAWL S ( SE STATEMENT ) ON FOR XXXX ON XXXX/XXXX/XXXX AND ANOTHER ON XXXX/XXXX/XXXX FOR XXXX AND ANOTHER FOR XXXX WHO DID THIS WAS NOT ME IT WAS XXXX XXXX XXXX. AND IS ALSO OTHER FRAUDELENT ACTIVITY BY WHOM EVER

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 01/23/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MI).
Issue: Other transaction problem

Complaint: My girlfriend and I are going on a trip to XXXX. I purchased Euro 's through XXXX XXXX for use on the trip since XXXX penalizes US dollars. My girlfriend attempted to transfer her share of the cost of Euro 's to me. XXXX debited her account on the XX/XX/XXXX and has failed to transfer the funds or reimburse her account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I had agreed to a " Balance transfer '' of 0 % APR for about 15 months in exchange for a 3 % upfront fee. I transferred {$7000.00} to the Chase card and paid the fee.     The next month I had {$6500.00} sent to the Chase card to pay off a 19 % APR balance on the same card account.     Instead of crediting the 19 % APR balance, Chase used the new money to pay off the 0 % APR balance.     My clear understanding from Chase was that this {$6500.00} would go to pay off the higher APR balances first.     I spoke to a service representative about this and two supervisors, the first of which just hung up the phone on me. The second supervisor was very cordial, but in so many words said " tough luck ''.     This to me is predatory lending. Why would I pay 3 % upfront to buy a 0 % APR and then pay it off one month later?

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Collection Systems, Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A check was received by the company on XX/XX/XXXX and it still shows as not paid on my report. The company hasn't responded to me I paid the balance in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: They have me in chapter XXXX for 2015 and I haven, t filed for any chapter XXXX also they have it under a different name and not mine and I need it removed please ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 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: Account information incorrect

Complaint: We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT I have been battling  XXXX , Experian,  XXXX ,  XXXX   XXXX  and  XXXX  's for almost a year to no avail. They are reporting incorrectly on my credit report and it is affecting me negatively. I am highly upset and stressed because of the inaccuracies. Numerous times, I have provided proof of payments and they still have not fixed.  XXXX  has verified it and removed both from my credit but  XXXX  and Experian still have not. Can you please assist me with this problem? I am requesting that this be removed immediately. I am providing you a copy of payments for both accounts as well as sending a copy to all the above mentioned. The next action will be to send seek legal action.   I acknowledge being late on payments following a separation which turned into a financial burden. However, I have always sent in payments even if it was small to show that I am truly trying.

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 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: This is follow up complaint to previously filed CFPB complaint ( ref # XXXX XXXX American Express responded to my original complaint that the matter will be resolved by XXXX/XXXX/XXXX. 
As of today, XXXX/XXXX/XXXX, advertised bonus points are still not credited to my account. 
When I contacted the american express regarding the issue, I am again being told that they will have to open the investigation. 
I am suspicious of AMEX business behavior of false advertisements.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Vehicle loan or lease (Loan) with KEYCORP (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Car was totaled had insurance and XXXX XXXX still shows up

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have three tax liens listed on each of my credit reports, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do n't dispute that they are mine. However, they are all paid/released, and marked as such in their status. Per the credit bureau guidelines, as they are paid/released, at a minimum the lien from XX/XX/XXXXshould be taken off my reports, if not all of them. But they still remain on my reports. <P/>I 've tried to dispute them, but as they were valid liens, the dispute process results in the information being confirmed. It 's impossible to point out to the bureaus that a mistake like this exists. I 've bought $ 100+ of their products to do so, and have gotten no where in actually contacting a human to fix this error. <P/>Please assist, thank you. I can share a screen shot from a XXXX report that shows this information. That was another {$60.00} purchase which still did not give me direct access to a human to correct this error.

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 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (CT).
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint: Last XX/XX/XXXX ( I think ) my I signed up for a Experian 30-day free trial and  about 2-3 weeks later canceled the same having arrived at the conclusion that I will not benefit from its continuation. 

Last month after receiving an email ( see attached ) from Experian informing me of " switching to a premium membership '' which I never did, my husband checked our bank statement and saw that Experian charged us {$19.00} last XX/XX/XXXX and again on  XX/XX/XXXX. 

As this membership had been canceled on the same month I signed in, we were naturally appalled that they would do this so he attempted to contact them by phone but in each instance heard a recorded message that it will take 2 hours ; 2 HOURS to be able to speak to a customer service rep. 

Suspecting that Experian did not want anyone to contact them he wrote a letter addressed to its president XXXX XXXX at their XXXX XXXX CA. address but the letter was subsequently returned with an RTS handwritten on the envelope. 

Clearly, Experian is attempting to avoid any contact with us to explain why they have charged us without our consent. 

Please help us. 
Thank you, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CT. 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 monetary relief