milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX will not allow me to get my reports. Experian says I need to mail in the request and when I hit next the site times out and starts the whole process all over again.

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 05-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I am a parent of a student who attended the school between   XXXX   to   XXXX   or so.. from what I can figure out base on my conversation with navient is my son loans were subsidized and unsubsidized. i believe the parent plus loan amount of   XXXX   from distribution dates as follows : PER  NAVIANT  PARENT PLUS LOAN   XXXX   XXXX   XXXX   ***1st son --   XX/XX/XXXX - $   XXXX ** XX/XX/XXXX - $   XXXX  **  XX/XX/XXXX  $  XXXX ** XX/XX/XXXX  $  XXXX **total  {$23000.00} AND  XX/XX/XXXX - {$10000.00}     XXXX   XXXX   XXXX   XXXX     -2nd s on only had this parent plus.    CONSOLIDATED   XXXX    {$26000.00} CONSOLIDATED  XXXX  {$10000.00} FOR TOTAL OF {$36000.00} @ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SON ACCT CONSOLIDATED   XXXX   TOTAL {$24000.00} AND  XXXX  TOTAL   XXXX @ XXXX   INTEREST RATE..I BELIEVE THE  XXXX  ACCTS ARE  ONE  IN THE SAME ...   XXXX   UNDER MY SON 'S NAME AND  XXXX  UNDER MY NAME. NEED SOMEONE TO ANALYZE BOTH LOANS. WE ARE BOTH CURRENTLY PLAYING ON THE TOTAL AMOUNT OF THOSE CONSOLIDATIONS OF   XXXX **   XXXX   AND  XXXX  ** XXXX .    ACTUALLY LOANS DISBURSED   XX/XX/XXXX   TO ABOUT  XXXX  THEN TRIED TO CONSOLIDATE

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
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: XXXX XXXX XXXX XXXX Installment Loan # XXXX Date Opened XX/XX/2017 This account in showing 30days late for XXXX, however it has never been late

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 03/26/2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 explanation
Consumer complaint received 04/17/2017 about Debt collection (Medical) with Debt Recovery Solutions, LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been working extremely hard to increase my credit score. I received notification that I had XXXX new accounts placed into collections that I was never notified of before hand. I called and spoke with XXXX. I received a copy of the bills that Debt Recovery Solutions had, but not before taking a hit to my credit. I lived with my family in the same house for five years. Never did I receive anything regarding these bills. Then we move to NC for my health and all of a sudden things are hitting my credit from this company without any prior notification. This company is not operating properly under the law.

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 02/22/2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: I have been a victim of a fraud and identity theft. The transactions were unauthorized and JP Morgan refuses to refund my own money. 

My Chase Atm card was used it in my name for the amount {$9300.00} without my authorization or consent. When I realized I called Chase immediately and open a claim with the Fraud Department. In the letter they sent me they said I authorized the transactions. I never authorized the transactions, gave the pin or join the account with the suspect or individual that did this federal crime. I went to the XXXX police department and filed a police report and when the report was ready I sent a certified mail to Chase with a return receipt and on all my communication with them, they refused to refund my stolen funds. 

I explained I was a victim of fraud and I asked the bank to open the claim, investigate and prosecute the individual who stole my funds. I want to solve this with the bank before I take further action. I 'm already in communication with any organization that can help me, again I have been victimized by this theft. The funds were taking from my account generating high fees when I thought my money was secure with Chase that did n't act in my best interest protecting my money or sending any message about suspicious activity in my account and they did n't flag my account for suspicious activity once the cash withdrawal commenced. I informed the bank immediately within the XXXX business notification window. 

I have two police reports. The police already know the name of the suspect. This is a federal crime in which I have been a victim of Identity Theft and Fraud and should be prosecuted by the law and my money should be refunded immediately before I go to media. 

I informed the FBI, the State Attorney and all the organizations that can help me to get my money back. I want justice and the person who did it to be in jail. 

Chase is giving all the excuses not to refund my stolen and unauthorized transactions and the fees. This money was transferred by Chase without my authorization to my checking account and put it to the disposition of the scammer. Chase did n't flag my account even when these transactions were unusual. 

This is a federal crime that should be prosecuted it and I do n't have to pay for this criminal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: My lXXXX school loan was serviced by ACS for four years and the website now directs me to login to Conduent, the new servicer. On XX/XX/XXXX, I received an email from ACS/ Conduent, which I attached below, indicating there would be no changes in how I login or make payments. However, I have been unable to login for weeks. The " new '' Conduent website recognizes my username and password but has been giving me an error message that the " service [ I ] just requested is unavailable '' so I am unable to login and make a payment on time. While Conduent seems to recognize my account ( because it recognizes my username and password AND when I tried to make a new account to see if that was the problem, it said my account already existed ), it also does not recognize my social security number and claims there is no account associated with that number. 
Conduent purchased my loan and is not allowing me to make a payment at all, let alone on time. I can not email them a question because it requires an account number, which they do not recognize, and I have been unable to reach an actual person on the phone ever since I first tried on XX/XX/XXXX and have called everyday since ( now XX/XX/XXXX ). 
I have seen numerous recent complaints about this online with people having the exact same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 am a victim of identity theft. I wrote to this company TWICE. My first was a letter dated XX/XX/XXXX. My second letter was dated XX/XX/XXXX. On both occasions, I filled up and submitted an FTC affidavit and had them notarized and sent this company a copy of the notarized Affidavit. On those dates, I also did the same thing with XXXX and XXXX. On both occasions, BOTH XXXX AND XXXX, REMOVED THE UNAUTHORIZED, FRAUDULENT INQUIRIES I disputed. TRANSUNION REFUSED TO remove these unauthorized, fraudulent inquiries. If they did investigate, they will not ask for additional information. I sent them a letter twice and a notarized FTC Affidavit containing the list of the fraudulent inquiries and dates. They blatantly violated FCRA 605B ( 15 U.S.C. 1681c-2 ).

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 11/17/2016 about Credit card () with CITIBANK, N.A. (KY).
Issue: Billing statement

Complaint: Citi credit card : I started to notice the discrepancy of Citi credit when I returned my shoes to XXXX store and they reimbursed me, despite not showing up in my account to get this amount back again. I called customer service twice first waiting for half an hour and hang up and the second time too until a very rude assistant replied to me. I did my best in explaining to him that it is not dispute it is already reimbursed but their system does n't show credit it back. The conversation went on and on trying to make him understand and then he consented to credit it. After a while I browsed my account again but did n't seem to be credited back to me although I received email confirmations from them. I decided to pay the balance in the card except for this amount ( about {$84.00} ). Except for few transactions with Costco I did n't this card anymore. Surprisingly they accrued a weird fees for the unpaid amount and when they called me to collect payment and I told them many times the problem is at their side. Finally I paid off the rest and decided not to use this card anymore but I 'll have to file this complain hoping to return the lost 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 09-04-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Last week I received bill from collection agency TRANSWORLD SYSTEM INC. for {$67.00}. This is the amount that reminded after payment made by my insurance XXXX XXXX. As per XXXX letter that was sent to the provider 's billing office I am not responsible for any payment. I spoke numerous times with representatives from the provider 's billing office and XXXX representatives. During my last call to XXXX on XXXX/XXXX/15 I brought up my concern to their attention that this could be sent to a collection agency. I was told my case is urgent and will be escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 11-12-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (MA).
Issue: Account opening, closing, or management

Complaint: My name is XXXX XXXX and I am in desperate need of help. XX/XX/XXXX I refinanced my home and the title company who completed the transaction never recorded the Discharge of Mortgage which paid off by the refinance. I also refinanced a few more times since then and no other back made mention of this. I am now in the process of selling my house and one week before closing this came up. I can not sell it without the discharge. The title company which handled this XX/XX/XXXX went out of business. The holder of the undischarged mortgage was XXXX XXXX XXXX which went out of business and was acquired by XXXX. XXXX also went out of business and was acquired by Chase. Basically, I 'm XXXX. Anyone who may have had documentation of this payoff no longer exists. I 'm now trying to work with Chase to get a discharge letter but am hitting roadblocks right and left. 
The sale of my home is critical. The proceeds from the sale were going to go to my daughter to pay for her wedding. That is now in serious jeopardy. I do n't know what I 'll do if I ca n't sell the house. My daughter is stressed out and crying for fear that her wedding may be in ruins. I 'm not in a position to rack up credit card debt. I need the cash from the sale. Furthermore, the family which is in the process of buying my house is now displaced due to this problem as they have already sold their home. The husband and wife and XXXX little girls are living separately with relatives until this gets resolved. 
Please help! I 've been victimized by the predatory lending practices and disregard for people 's personal well-being of XX/XX/XXXX. The sloppy work done by the lawyers back then is hurting me and my family today. Can you please intervene with Chase Bank and urge them to produce a discharge letter? I have a case number with Chase of XXXX. The phone number for the Chase Lien Release Department is XXXX. 
I appreciate anything you can do to help. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DE).
Issue: Deposits and withdrawals

Complaint: I made a large deposit ( $ XXXX ) into my checking account with Wells Fargo Bank. The deposit was made on XXXX/XXXX/16. The bank said the funds would not be available until XXXX/XXXX/16 which is 11 days or 6 business days. I called to determine why it would take so long to validate the funds when they run a batch process for deposits and withdrawals on a nightly basis. Their response was - that 's how long it takes, which is ridiculous in this day and age. I also inquired if I was receiving interest while the funds were deposited in my account but not accessible and the answer was no. So in addition to not be able to access my funds I am also not receiving the benefit of earning interest on my deposit. And although the interest is paltry even on the large deposit I made, if they are subjecting all of their customers ( XXXX XXXX ) to this arduous XXXX6 days validation of deposits and not paying interest at the same time, it is a significant impact on the consumer. Especially considering the are the second largest depositor in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (OH).
Issue: Account opening, closing, or management

Complaint: We received a letter saying ou r Chase Private Client accounts w ould be frozen if we did not call their compliance department. Once we called, they wanted information about other banking and brokerage relationships we maintain. They also wanted income information. We called twice. The process was ridiculous. We were unsuccessful in escalating a complaint about the process. We will simply withdraw our money and close the account. Compliance people should not touch customers!

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Money transfers (International money transfer) with WELLS FARGO & COMPANY (WA).
Issue: Money was not available when promised

Complaint: I have initiated a wire transfer on XX/XX/2014 from my savings account at Wells Fargo Bank ( XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) to my father 's account in XXXX, it has been more than 10 days and my father did not receive any money yet, when i contacted the bank there is no response from the Branch, i have visited the bank 3 days in a row.

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 05-08-2015 about Debt collection (Auto) with LOBEL FINANCIAL CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This has been calling to many times in a day time. I believe that ina weeks time they called me almost a hundred times. In one day I had 32 Voicemails from this company. This has to stop these people are calling my family, friends, and place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In this case, XXXX Services ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MN XXXX, representing their client XXXX XXXX, refused to acknowledge that I never had an account with XXXX and do not owe said XXXX XXXX {$2500.00}. XXXX wrote back that the entry meets the requirements of the Fair Credit Reporting Act. However, that is impossible given that I never engaged their client and only had XXXX and it 's predecessor. Please assist in preventing them from collecting under a false premise.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: I recently bought a refrigerator at the Sears store in XXXX, California. I applied for a Sears Citibank Credit Card and received immediate approval. There have been many problems with the product beginning with its delivery and I have been unable to receive any satisfaction from Sears. 
I called the Citibank Credit card people about 2 weeks ago and told them I had not received the physical card or the membership agreement. I received the card in a few days but have still not received the membership agreement. As I have received no satisfaction and many broken promises from Sears I want to know what my legal rights are with regard to withholding further payment on the card. 
I have already paid a substantial part of the bill but want to know what rights I have which would ordinarily, I believe, be in the credit card agreement which they apparently are not sending me. 
Thank you for whatever advice you can give me. I have already been in touch with Sears, the XXXX, the FTC, and the California Department of Consumer Affairs with my complaints regarding the product and service.

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 10-07-2017 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: Information belongs to someone else

Complaint: XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 explanation