milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-09-2017 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 have contacted the credit reporting agency, they have not responded in a timely manner

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 03/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX used my s.s. number without my authority and did a hard credit check, and I did not know about it until I got a credit alert from credit karma. And I wish to have the hard credit check removed.

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 04/27/2016 about Consumer Loan (Installment loan) with MINNESOTA LIFE INSURANCE CO., THE (WI).
Issue: Problems when you are unable to pay

Complaint: the almost the entire payment goes to interest not the pres able the balance is not going down

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 01/31/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: On XX/XX/XXXX I was granted a request for a Graduated Repayment Period on a Sallie Mae student loan. I was sent a document outlining the repayment schedule for this program, in which I would pay interest on the loan but not the principle. On XX/XX/XXXX I was charged both interest and principle on this loan through an auto-debit transaction. On XX/XX/XXXX I called Sallie Mae to inquire about the status of this loan, at which point they acknowledge that I was owed a refund. The refund was not issued. On XX/XX/XXXX I called Sallie Mae to inquire about the status of this loan, at which point they acknowledged that I was owed a refund. The refund was not issued until XX/XX/XXXX, at which point my account was shown as past due for the amount refunded to me. On XX/XX/XXXX I called Sallie Mae and spoke with a manager who assured me that the owning balance would be removed and the problem would be remedied. On XX/XX/XXXX I received an email saying that my account was past due for the amount of the refund. On XXXX I called Sallie Mae and spoke with a manger ( XXXX ) who told me my account was past due for the amount of the refund. Sallie Mae is making unauthorized withdrawals from its borrow 's account. These withdrawals are in excess of the amounts specified in its lending agreements about Graduated Repayment Programs. When a refund is sought out, the refund amount is then held against the borrower as a past due payment. Despite frequent and persistent efforts to resolve the issue - and open acknowledgement on Sallie Mae 's part that the account has been drawn down in error and no amount is owing - the issue has not been resolved and stands to negatively effect the borrower 's credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I disputed the following accounts on XX/XX/XXXX7 with Equifax. On XX/XX/XXXXafter accessing my account online, it shows that betweenXX/XX/XXXX-XX/XX/XXXX, the following items XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX were deleted from my credit file. On the same date it was showing said items were removed from my credit report, it also shows that between XX/XX/XXXX-XX/XX/XXXX the same items were reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing/Cancelling account

Complaint: Since XXXX of 2015 up until XXXX of 2015 I have been disputing a Capitol One credit card appearing on my credit report. I did not receive this credit card nor did I activate it. Capitol One continuously reports me late even after nine months of phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XX/XX/XXXX, I applied for the American Express SimplyCash Plus Card. I received an email that same day alerting me that I was approved. The card arrived the following week and I began making  purchases with it. 

On XX/XX/XXXX, I went to make a purchase online at XXXX and the charge was denied. I logged into my American Express account to verify that the charge did not go through. There was a banner on my account telling me that the card was canceled. I was not aware of this, I did not request cancellation, and American Express did not send me an email or text to alert me. 

I called American Express on XX/XX/XXXX to ask what happened. They told me they had called to verify my information. Since I don't accept calls from random phone numbers, I did not get the calls. I asked them to open the card and the woman I spoke with told me that she could re-open the account and send me a new card. I agreed. 

On XX/XX/XXXX, I chatted into XXXX XXXX to confirm that the promotional bonus I had used to sign up was still attached to my account. Remember : the account I opened remained unchanged. The charges I had made were still there and all were accurate. Only the card itself was replaced. The terms of the sign up bonus were as follows : " Special Offer : Earn up to {$500.00} cash back Earn a {$250.00} statement credit after you spend {$5000.00} in qualifying purchases on your Card within the first 6 months of Card Membership. 
Plus, earn an additional {$250.00} statement credit after you spend an additional {$10000.00} or more in qualifying purchases on your Card within the first year of Card Membership. '' The terms in quotations above are directly from the American Express application page. I have saved a screenshot of the page I used as well and can submit it if need be. 

The chat rep told me that the bonus terms no longer apply because the card has been replaced. I told him that the account remains unchanged and that only the card itself was replaced. Again, I did not request the cancellation and American Express did that without my knowledge or consent. He then put his supervisor on the line and he/she repeated the same message. This is not good policy : put out an offer to entice a customer, cancel the card, and then re-open the card WITHOUT TELLING ME THAT THE BONUS WOULD NO LONGER APPLY. I only found out about this because I contacted them myself. 

For the reasons above, I'm escalating this complaint to the CFPB. 

For reference, the chat transcript with AMEX on XX/XX/XXXX is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: During  XXXX  I was being treated by   XXXX   XXXX   XXXX   in   XXXX   TX., for what they termed as a   XXXX   XXXX   XXXX   but offered shots to return the majority of the   XXXX   XXXX   XXXX   XXXX   XXXX  . I agreed to the shots directly into my  XXXX . The first shot proved to do nothing as did the second and third. I went to another   XXXX   XXXX   but this time to a  XXXX . He   XXXX   XXXX   into my system and showed me on a computer screen the interior of my   XXXX   XXXX  . He stated that they had diagnosed me incorrectly and further explained why the injections they gave me did not work. They were the wrong medication and should of never been injected into my  XXXX . I contacted AMERICAN EXPRESS and explained the situation and they charged back the merchant. Soon after they AMERICAN EXPRESS put the charges back on my account. I then sent detailed correspondence to them and called and they removed again. Shortly thereafter they put the charges back on my account. This went on for six occurrences. I continued the process and the disputes and they AMERICAN EXPRESS began to ignore me. When I would call they would refer to my dispute calls to collection where i was harassed as to when I would pay my bill. Then the letters came telling me they were going to closed my account, write it off as bad debt and turn me over to collections. They would no longer have conversation with me.  XX/XX/XXXX  they did just that, they wrote it off and turned it over to   XXXX   XXXX   who I wrote and explained the situation. AMERICAN EXPRESS then turned it over to another collection firm in  XXXX , GA. Now they have some woman calling about 20 times a day from  XXXX , a number in the greater  XXXX  area.
AMERICAN EXPRESS needs to do the right thing and charge back   XXXX   XXXX   XXXX   permanently, credit my account and remove the damaging derogatory status from the  XXXX  (   XXXX   ) credit bureaus.
My dispute was of just cause and was and is not frivolous.
Thank you for your time and your anticipated assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Midland Funding has been on my credit report for over 3 years. I have asked repeatedly for validation of this debt to no avail. They were reporting multiple times on other accounts that they have deleted, but seem to want to linger on this one. This debt account # XXXX has been reporting monthly as if I have an contractual agreement with them on 1 month terms. I have never made or had an agreement with them. They have also reported this same account multiple times as Midland Credit Management. I sent them  a letter on that, and they removed the multiple reporting 's of the same account. They advertise on their website of removing and deleting accounts older than 2 years, but yet have removed this one. I am asking CFPB to help me put this to rest as Midland does not seem to want to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I just received yesterday 2 separate letters from XXXX credit reporting agency. I am uploading the letters. XXXX states they will not re-investigate an account that is reporting on my credit report that does not belong on my report. I have submitted numerous disputes about this creditor. XXXX credit reporting agency finally has deleted this account off my credit report I dont know why XXXX and transunion are not removing it but I am frustrated at the fact XXXX sends me these 2 letters with 2 different report numbers. It is my right to dispute any information that does not belong on my credit report that is incorrect.

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 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: Hello I reached out to this merchant regarding a fraud credit card that was opened on this account the merchant informed me that they couldn't verify that I didn't benefit from the credit card so they cant help me remove this negative item that does not belong to me from my credit I asked to the creditor to send me identyinfg documents to verify who opened the account up and they could not they also don't have anything that associates me with this credit card except for my ssn no other documentation they have on file belongs to me this account was opened via the internet per the representative so they are assuming this is my account and it does not belong to 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 02/21/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX, I noticed and filed 4 unauthorized charge disputes with Chase Bank. I was a victim of bank fraud. Someone got a hold of my bank account and used it to make purchases with XXXX. The first transaction was for {$1.00} on XX/XX/XXXX. The second transaction was for {$2500.00} on XX/XX/XXXX. The third transaction was for {$2.00} on XX/XX/XXXX and the forth transaction was {$2100.00}. On XX/XX/XXXX, I realized an error and called Chase Bank to withdraw the first dispute for {$1.00}. After filing the claim, Chase Bank issued a temporary credit only for the first two transactions in the amount of {$2500.00}. I told them they should have credited my account for all the transactions because the date of the first transaction was now XX/XX/XXXX. Since I reported the unauthorized purchases within 60 days of occurrence, I am protected under regulation E. Chase Bank needs to credit back my account for all three transactions in the amount of {$4600.00}. 

I have contacted XXXX and they said since these amounts were fraudulent, the bank just needs to cancel the ACH transactions. They will not dispute the process. Without the bank 's approval, they can not send the funds back to my bank account. Otherwise, they would.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX, 2017 Equifax became aware of a breach in security that included stolen information for 100+ million people. It has taken well over a month for the company to disclose this information to the public, allowing whoever accessed the data to sell or use it and denying consumers the right to protect themselves by adding alerts or be on the lookout.
XXXX XXXX, 2017 I became aware of a security breach wherein millions of people and I were put at risk of fraudulent activity. I have gone forth and put a fraud alert on my accounts and looked over my credit report for suspicious behavior. I have verified with the Equifax site, and my information in fact has been breached by this incident and I am still not sure what the resolution for this mismanagement will be. I would like Equifax to find a speedy resolution in order to put the millions they put at risk at ease and put more measures in place to aid those like me who are affected.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had gotten my  XXXX   XXXX  debit card stolen on  X/XX/17    and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a  XXXX  gas station in  XXXX , IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the on ly one. I  have an installment loan with  XXXX  and a payment of {$46.00} is taken automatically from my checking account every  XXXX  of the month, however,  XX/XX/XXXX 's payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at  XXXX  's was made for $ 30+ and caused my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through  XXXX  when canceling my card and caused the payment for  XX/XX/XXXX  to be overdue. I attempted to pay my past due balance in person at a branch in  XXXX , IL and was advised to wait until my next payment day of  X/XX/17    to avoid being double charged. I listened and come   X/XX/17   I received a phone call from  XXXX  's credit reporting office and was informed my payment was 30 days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to  XX/XX/XXXX  's payment that totaled out to {$100.00} and then the next day was in fact double charged for   XX/XX/XXXX 's over due payment which put me at insufficient funds once again.  XXXX  has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.

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 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX   XXXX   XXXX ? Chase Bank account # {$4300.00}  XXXX   XXXX   XXXX . We can not make payments to the - BALANCE TRANSFERS - part of this account. We applied for a balance transfer. When the no interest time limit expired we found that there was a balance still due of {$300.00}. We thought we had paid off the balance but some of our extra payments had been applied to the purchases part of the account.     From that time on Chase would not except any payments to the Balance Transfer balance.  In   XXXX   XXXX   XXXX   the balance was {$300.00}.  XXXX , do to the fact they applied all payments to the purchases pa rt of the account the balance is now  XXXX  The interest charged is about {$96.00}. In that time we have made extra payments to the account in the amount of {$690.00}. We have paid on time or before the payment due date, we have made payments at the bank with checks marked pay to Balance Transfer only. We have made checks to Principal only and they just accept them as normal payments.     The interest on the Purchases and  Balance Transfer is the sa me 14.99 %. With there refusal to accept payments on the Balance Transfer part of the account they just keep accruing interest. We do not remember anything being said that they would refuse any extra payments to pay down the balance on the Balance Transfer part of the account.     We have made phone calls to the bank and written letters they refuse to accept the payments to the Balance Transfer. Question, How can we pay the bill? They sent a letter saying that they regret that they can not change there rules.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was denied credit for a XXXX card and would like to request a free copy of my business credit report from Experian. I have attached a letter of denial from XXXX, which should entitle me to a free copy. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Transunion makes it virtually impossible to initiate a dispute on line.

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