milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: My Complaint is against Experian.
I have paid for, and requested free   XXXX    agency credit reports and Experian has refused to send them to me.
I just requested a credit score through  XXXX , these were the results :   XXXX     XXXX    XXXX   XXXX  Experian  XXXX  ( a difference of  XXXX !!!! ) I attempted to file a claim against them, using their website, and there identification data is so bad, I ca n't pass their identity authentication! ( no problem with the other two agencies! ) It 's a catch 22, if they wo n't send me my credit report, how can I tell them where they are wrong.
<P/>
One should expect a certain amount of self monitoring. When the agency checks its results against the other agencies, and sees a large discrepancy in credit number, they have got to make an effort to investigate it and correct it.
<P/>
It looks like this may be a revenue generating strategy on their behalf, or if not, complete incompetence. They must have a record of my making attempts to obtain a report multiple times, but do not appear to be interested at checking their records to determine why there might be problems.
<P/>
Note, that I am a member of  XXXX , and   XXXX   makes requests to deliver credit information on my behalf. this should demonstrate sufficient authentication to show them that something is desperately wrong with their records and authentication methods.
<P/>
By misreporting my credit for over 12 months, they are doing a disservice.
When you penalize an individual and deliberately prevent him/her from making corrections, this is a big problem. Deformation of character.
<P/>
I 'd like to recommend that an audit be made of Experian 's operational activities, to identify the extent of their inefficiencies. I have spoken with others in the industry, and they have stated that Experian is known for inaccuracies. This needs to be fixed, or they need to be closed down.
<P/>
Ref : Links regards their services : https : //www.consumeraffairs.com/privacy/experian.html Better Business Bureau ( 98 % Negative reviews ) https : //www.bbb.org/sdoc/business-reviews/credit-reporting-agencies/experian-consumer-services-in-costa-mesa-c a-13062929

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 02/19/2018 about Checking or savings account (Checking account) with U.S. BANCORP (OH).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I tried to close my account over the phone, this was back in XX/XX/XXXX, when i spoke with the representitive on the phone they told me i had to zero my account. When i zero 'd my account they assured me that the account was closed. Well two weeks after my account was suppose to be closed. They still tried to process checks and transfer money from the account with a zero balance. With that, it drew a on a zero balance causing my account to overdraft. They were suppose close the account, and send me information but never did. This isnt the only issue ive had with these guys, back in XX/XX/XXXX of the same year, i was traveling. They put the account on a temp hold due fraud protection. Well they fixed it, then the very next charge they blocked it again. I called to fix it but this time i found out the " Accidently '' canceled the card instead of fixing it to where i could use it again. they left me stranded in another state where i didnt live with no access to my money.

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 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have a XXXX XXXX Rewards Card ( XXXX  ). I ordered gift cards with my points to be used for XXXX gifts. I was told by a representative by phone that my order no. XXXX was mailed to me on XX/XX/XXXX. After two weeks and no cards, I called to find out what could be done. As XXXX was approaching I had no gift cards. On XX/XX/XXXX replacement cards were mailed out, order no. XXXX. To date I have not received them. I have inquired about tracing the cards to be told that its not possible. I have spoken with our postmaster about the situation. The only conclusion we can come up with is that someone is aware of the mailing envelope and they are being stolen along the route. I continue to receive a paper copy of my bill every month and other advertisements to the same address. 

Today I called the rapid rewards bureau asking about a guaranteed mail delivery and was told they only use first class for gift cards. I also asked to have my XXXX pts. refunded to my account only to be told the situation has to be reviewed. 

I am totally frustrated with this program and reaching out for some help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company has misled you also. If you look the fraud affidavit submitted, you can clearly see it has Synchrony/G.E. They are a collection company for Synchrony, and they told a bold face lie. This is the same company that XXXX  slurs to me. This is the same company that caused me to lose my V.A. Loan. They are liars.That account is fraudulent! XXXX XXXX XXXX is attacking me with vengeance, and revenge against me for threatening to file a complaint and letting other consumers know about their duplicitous business practice. This is unacceptable and unenforceable, and this is an unscrupulous attempt by XXXX XXXX XXXX against me. They are disturbed at me. They are only worrying about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals, or by XXXX XXXX XXXX employees, this must be an inside job. This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. XXXX XXXX XXXX retaliated against me for saying I will file a complaint against them through the C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a XXXX XXXX XXXX Member. They dont care who they XXXX over to save their brand. I learned this the hard way after they were XXXX  on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. XXXX XXXX XXXX has a strong dislike toward Veterans. They are strongly aware that nothing will happen to them since they believe they are too big to fail. Sen. XXXX, please prove them wrong. Please help this Veteran and this XXXX XXXX XXXX member. Please?

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 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Unexpected or other fees

Complaint: I contacted portfolio record to pay the balance owed, and I have been paying it back since XX/XX/XXXX every month. I do n't understand why they reported my account to collections. This is what I was avoiding in the first place, which is why I have been paying them back $ XXXX/month since XX/XX/XXXX. Now i need this account removed from my credit report as collections

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (Other debt) with WELLS FARGO & COMPANY (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call excessively, either daily or multiple times a day. I have advised them of the excessive phone calls and have been making payments on the account however they still call too much!!! Just on XXXX XXXX they called at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I expect additional calls today as they just do n't stop calling even with arrangements set up. I previous to that received a call on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX. This is for an amount of {$200.00} and some change owed to Wells Fargo Bank. They literally call everyday except Sunday 's and Holiday 's. This is an extreme nuisance and I have arrangements setup with them to pay {$25.00} every 2 weeks.

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 04-11-2018 about Debt collection (I do not know) with Michael Haynes & Associates, LLC (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a phone call from my father that a rep, XXXX, told him she was an attorney representing someone who was going to arrest me. I called the number he gave me from my office as it sounded urgent, scary, and I have no reason for someone to threaten that. I got on the phone with a gentleman who refused to identify himself. I told him I was calling from my work phone and to not call that number or my father. I asked him what attorney it is and why she would say I was to be arrested. He told me he listens to everyone 's phone calls and no one would say that. I told him that is what my father said. He told me my father must have been confused. I told him my father does not get confused. The rep scoffed but said okay. He then gave information about the account I supposedly had, which was completely foreign to me. He then said it was a business account, and the name is something my ex-husband used to call our daughter. I advised the rep the account was not opened by me and that I would like information to report the account as fraud. He told me since it was someone who had access to my computer that opened the account that it is not fraud and I am liable. I told him that someone taking your information and opening an account it identity theft. The rep began to taunt me and asked if I was an attorney. When I told him, no I am not an attorney, that I am a XXXX XXXX he was laughing. I asked again for info in order to report the account. He just continued to tell me it wasn't fraud. Since I was at work and he was not helping me, I hung up. The rep then called my father again, despite being told not to, to give my father the account information he refused to tell me and to tell my dad I am very rude. The rep then called me again, at work, despite being asked not to. He said he didn't appreciate being hung up one. I told him he can not call me at work. He then told me he could, and again am I a lawyer to know he can't? I let him know that I had looked up the company website and found that is a non-attorney rep so wanted to know why he wanted to taunt me over not being an attorney when he is not, either. He told me I am a " very rude XXXX '' and that I had better hire a lawyer and hung up on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Equifax Public Records has not provided me proof of my : Name, Address, Social Security Number, Date of Birth attach to the Liens filed under Public Record Information on my credit file from the source that they gather the information as well as the correct of information as well as proof to show my Name, Social Security Number, Date of Birth, Address that has to show it belongs to me an is correct. 

Equifax has yet to provide any Documented proof of these liens from the source documented proof. I have also spoken to an attorney and my next action is to file suit on Equifax for incorrect information wrong amounts and other various information gather or reported wrong. Equifax no they can't give me the information I have requested by law because as my attorney told me that's not on Public information in the state of California by privacy laws of public records. 

I'm tired of Equifax responding to things with no documented proof and every one no Equifax is not a reputable company for actions of breach consumers information being exposed as well as to unfair credit practice on consumers as well as created information in various forms on consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On   XXXX   XXXX  ,2017 I called the customer line of   XXXX   XXXX   to pay-off my balance ( {$160.00} ) and close the account. The payment went through and I then proceeded to close out my account that had a {$0.00} balance.
I later received a bill with a late fee and charges after the balance was {$0.00}.
I called   XXXX   XXXX   and they said I had accumulated a late fee 2 days prior to me calling in. At no time did the representative tell me there may be additional charges on a {$0.00} balance.
My appeal is based on inaccurate information given over the phone by the   XXXX   XXXX   representative. If I ca n't call in to get accurate information on my account then who do you call? If you listen to the taped conversation you will hear there is no reference to addtional charges in the future ...
Thank you for your help ... .  .

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2016 I deposited {$1200.00} in cash into an ATM and received a receipt stating that I only deposited {$21.00}. This occurred at approximately XXXX pm at XXXX XXXX XXXX XXXX, Texas. After speaking with several Chase representatives who have misguided me, misinformed me, and have behaved coldly and disrespectfully to a loyal customer, my account has yet to be corrected. 

XXXX dollar bills ( {$400.00} ), XXXX XXXX dollar bills ( {$800.00} ), and XXXX XXXX dollar bill ( {$1.00} ) were deposited into a Chase ATM. After depositing my cash the receipt returned via the machine read that I had deposited only {$21.00}. I immediately called customer service. After being told by a Chase representative that the correct funds would be placed in my account within 24-48hrs, I then asked if it was okay for me to leave the ATM location and was told yes. 

On XXXX XXXX, 2016 I received my " credit '' of {$1100.00}. Without prior warning or notice, on XXXX XXXX, 2016 Chase proceeded to withdraw the {$1100.00} from my account. 

This erroneous debit of funds has caused my Chase account to be overdrawn by the amount of $ XXXX. I called customer service promptly at XXXX to resolve the issue. A large sum of money has essentially been taken from me without explanation, remedy, or even the most basic level of customer service offered. 

I have spoken with not XXXX, but XXXX, supposed high-level employees who have screamed at me, yelled at me, and have accused me of threatening to sue. Something that has never been and continues not to be an intention of mine. The customer service I have received at Chase bank is absolutely unacceptable. 

Throughout this process I have proven myself a loyal and trustworthy customer. When {$1100.00} was initially returned to me, I could have withdrawn the money and closed my account if I had ill intentions. I did not. I have responded immediately at every stage of this process to get it resolved and yet despite having done nothing wrong I have been treated extremely poorly and now have the additional stress of a negative account balance. I deposited {$1100.00} and I ask that {$1100.00} be added to my bank account. Nothing more and nothing less. 

The lack of empathy and simple, " there is nothing else we can do you have exhausted all of your options '' explanation is unacceptable. I know that this is not an isolated incident as there are various reports of ATM machines miscounting money, which is what I assume occurred in this case as well. 

I am a responsible, upstanding, and honest person. I have been a customer of Chase Bank for years and I am NOT a thief ; nor am I mistaken about the cash I deposited. I do not have the resources in my life to cover me when my bank mistakenly takes {$1200.00} from me. 

I was even asked by a banker why I decided to deposit cash and why I chose such a late hour. Im a full-time employee and full-time student!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Shellpoint Partners, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a hard inquiry and my credit report from XXXX XXXX XXXX XXXX XXXX and I did not apply for credit with that company. I have disputed it with XXXX and they did not take it off of my credit report. I also was referred to call XXXX XXXX XXXX by XXXX and they referred me to the XXXX XXXX XXXX in XXXX Florida, and I spoke to a man that told me that a mortgage loan was applied for with an online credit application and that they were going to keep it on my credit report until it 's time limit had expired. I know that it is no big deal, and did not lower my credit score very much ... but it is just the idea of it being on my credit and I am just helpless at having it removed. I have other hard inquiries on my credit report that I am not disputing, but I am disputing this one because it is not mine, and I am being stuck with it on my credit report ... so I only feel that it is fair for them to remove it ... .My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Fl. phone XXXX ... email XXXXXXXXXXXX ... S.S.No. XXXX ... .thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX wiped out original dates of closed and charged off dates and put the dates as recent. I have never purchased anythign from XXXX XXXX. I have sent them tow affidavits and requested and both have never been processed on their end. I have disputed this charge since XXXX. In XXXX after filing XXXX affidavits and endless phone calls I just paid the money. I was trying to get a home loan and needed to resolve this issue. After I paid XXXX times what they originally said was purchased they update my credit report as recently charged off and late paid even though this all occurred in XXXX, sent to collections in XXXX and charged off. I do not believe that changing dates to recent is correct. I have been fighting that since XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I informed XXXX of an issue in which the individual granted POA abused it by opening numerous accounts and failing to return a vehicle under the SCRA. After speaking with the company and coming to an agreement that upon paying a balance they would remove the negative content since it was caused by someone other than myself. I informed them they failed to retrieve the vehicle over 6 months after being notified by myself that this individual still had it in their possession. I accepted some financial responsibility because I should have trusted someone more responsible. Nevertheless, I made the payment to XXXX and instead of removing the derogatory information, they sent me the attached notice saying the account was settled in full and then reported it to all credit agencies as settled for less than the amount. They went back on their word and because I put my trust in them I was not able to go on my XXXX XXXX and my security clearance remains at risk.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (IL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: A company that is not a part of my federal student loan report is trying to collect a debt that is not owed to them. This company is a private company not a student loan collection agency. Also this company is a 6th or 7th party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX  there was an online purchase done at  XXXX . The person picked up the items in person at a local store. Upon noticing this {$300.00} I called  Chase stating that  this was not my charge.  Chase imme diately reversed the charge and issued a new card. This was around   XXXX   XXXX   XXXX    .  <P/> On   XXXX   XXXX   XXXX     we received a letter fro m Chase stating  that  XXXX  denied our claim stating " you picked it up in person ''. They have shown us no proof that the items were picked up by myself. When calling the store directly they were unwilling to obtain the video footage without a police report. We will be attempting again to file a police report   XXXX   XXXX   XXXX    .  <P/> The online transaction through our bank statement is listed as a debit transaction which places me unde r EFTA rules. This Act stat es that if the card is in my possession but someone makes unauthorized charges, the cardholder is not liable.  <P/> I would like the charges rightfully reversed and to receive my due credit of {$300.00}.  <P/> Sincerely,   XXXX   XXXX

Company response to consumer: Closed with monetary relief