milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2017 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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have to dispute one basic charge with Chase Card Services but because there are some extra transactions ( both charges/rebills and refunds/credits ) that may interfere with their ability to make simple judgements, they are still unable to figure it out after almost four months. 

Basically the dispute is about a prepaid reload card purchase at XXXX. On XX/XX/XXXX I made a purchase totaling {$58.00}, of which {$53.00} was for a prepaid card that was not working. On XX/XX/XXXX I went to XXXX, they charged me another {$53.00} for this same card and the card was still not working. Also on XX/XX/XXXX, XXXX provided me one refund of {$53.00} on-site due to the {$58.00} transaction that happened on XX/XX/XXXX, but never provided me any refund for the {$53.00} charge that happened onXX/XX/XXXX. As a result, I should have got another refund of {$53.00}. 

On XX/XX/XXXX I, for the second time, disputed the {$53.00} ( XX/XX/XXXX ) charge with Chase, it resolved with me retaining a full refund for the {$53.00} charge and therefore Chase granted me a credit of {$53.00}. However as of XX/XX/XXXX, Chase later removed this credit because they mistakenly think the merchant had already provided me this refund as they see a {$53.00} credit on XX/XX/XXXX. 

In the end, I should not be responsible to pay the {$53.00} portion of the {$58.00} happened on XX/XX/XXXX ( merchant refunded this one ), and I also should not be responsible to pay the entire {$53.00} charge happened on XX/XX/XXXX ( Chase is supposed to grant me a credit for this one ). The removal of the credit onXX/XX/XXXX essentially makes me pay an extra {$53.00} to Chase. 

Full version of this incident is attached in document.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: For the last XXXX to four years I have tried and just last month to get Equifax ( etc. ) to correct XXXX credit reporting. Although, these loans have been consolidated and finally paid off with XXXX- Just last month showed XXXX. XXXX XXXX XXXX with a delinquent paid of loan with monthly payment of over $ XXXX. and the total loans back to gross amount despite that I am a XXXX going on fifteen years with loan reductions- Note : Never late as they were under forbearance/deferment as any of my loans all show current. I have 'no ' payment at this time and there are and will be further reductions. Please, assist my dispute report I had XXXX ; without corrections and now they show me at XXXX. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid debts in exchange for deletion off my credit file. Debt collection company is still reporting on my credit report voiding our recorded verbal and written agreement .I have disputed numerous of times and will seek legal action against all parties at fault

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (Home equity loan or line of credit) with QUICKEN LOANS, INC. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: The loan is the XXXX mortgage/equity line of credit on a home that is currently under contract and ready to close with short sale approval from the XXXX. We have had an approval from the XXXX mortgage XXXX times that has expired due to the XXXX mortgage delaying the process. The XXXX lender has continually stalled, made unusual requests, and changed the contact person we must deal with XXXX separate times making us start the process over each time. The current person we are supposed to work with will not give us an email address and insists the only way to talk with him is by phone, which further delays every aspect of communication since we almost always go to voicemail. The approval from the XXXX in XXXX was stalled by the XXXX asking for another appraisal that had to be paid for upfront by the seller and it took more than two weeks to get an appraiser to the home. We found out later the appraiser was told the appraisal was for a loan refinance and not for what it really was. The XXXX mortgage representative told me that this was all a formality to pressure the first mortgage to give the max they were allowed of {$6000.00} due to it being a XXXX XXXX loan. The XXXX mortgage confirmed this and then offered {$6000.00} as a max amount, but then the XXXX mortgage decided we had to get another appraisal to satisfy their policies. The Seller, the Buyer, the Escrow company, and the XXXX mortgage are all ready to close this loan immediately, however the XXXX mortgage appears to be purposely making it difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Today I received notification that my Equifax credit score dropped 62 points. I pulled my report from their website this morning and discovered seven ( 7 ) open credit cards were deleted and one ( 1 ) installment loan. How do current/open trade lines just disappear from a credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THIS ACCOUNT DOES NOT BELONG TO ME. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT IS STOPPING ME FROM GETTING A JOB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (PA).
Issue: Making/receiving payments, sending money

Complaint: Brief summary : It appears that there may be fraudulent activity on my XXXX mother 's Wells Fargo account. Due to security concerns, Wells Fargo was unable to help us on the phone, and directed us to visit a retail location. The bank staff there ( XXXX, PA ) were hostile, uninformed, and impossible to work with. Fraud is an important concern for all of us. Wells Fargo initiated contact with us to request follow-up, but their staff have completely failed to help.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (NC).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: I got a reward card from XXXX XXXX XXXX for {$100.00}, however the expiration date is too short which didnt give me enough time to use it. Gift card 2009 act clearly says the expiration date should be longer than what this card gave 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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My wife and I were involved in a personal Chapter  XXXX  bankruptcy. The case ran from  XXXX  to  XXXX . On  XXXX   XXXX ,  XXXX , the case was successfully closed.   I sent a copy of the order closing the case from the  US Bankruptcy court to all of the credit bureaus..Experian,  XXXX ,  XXXX  and asked them  to show the case as closed / discharged.     I worked with credit repair service and we got many of the individual records corrected.   I have worked diligently to improve my credit and my credit scores from all   XXXX    bureaus show the improvement.     However they still show me as being involved in an open/active bankryptcy, and this is incorrect ... the was successfully closed, I am no longer in bankruptcy.

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 06-01-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (PR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Today,  XXXX   XXXX ,   XXXX  I recei ved a letter fro m Transworld Systems.  At  XXXX , the same day I called them because I had no idea what they were charging me for. Supposedly I gave a check for the amount of {$320.00}  ( three hundred so mething, not quite sure of the amount ) and that check was used to pay an account on  XXXX . The check bounced. The problem is I do n't have an account on  XXXX , I 've never had. The collector, named  XXXX  said this was in  XXXX , six years ago and now they 're trying to collect {$720.00} for something that I did n't even buy. I asked if the check could be sent to me so I could see that is mine and that if it was I would pay the amount that it said on the check. The person said that was n't an option, that this was the government, the have my social security number, they have everything and they could do whatever they wanted. I told him " then tell them to kill me because I do n't have that amount of money and for an account that I do n't even have ''. They offered me to make payments. Again, I said no, it 's not fair to pay for something I do n't even know. I offered to pay in full the three hundredd something dollars, the person said no and even if I paid the {$720.00} he would not close my case and that the governement could do whatever they wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently sent a letter to Transunionrequesting the removal of unauthorized inquiries from my credit report. I did not ask for removal of the inquiries I had authorized. I received a letter from Transunion explaining what an inquiry is rather than a direct response to my concern. This is unacceptable. The FCRA states : the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The inquiries in question do not meet these requirements.

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 03-05-2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I found XXXX Major Errors on my Experian Credit report which are NOT on my XXXX OR XXXX report in regards the XXXX account beginning with XXXX. They are as follows : Account type being Mortgage Banking the terms were an Installment not Revolving. Experian has this listed as " revolving '', It was NOT and : The Entry for the High payment Balance is listed as " {$0.00} '' this is also incorrect. As an installment mortgage the payment amount was a fixed principle plus variable interest rate with taxes and insurance rolled into the payment amount via escrow. As such it could not have a value of zero ( 0.00 ) dollars. Therefore this tradeline is in error and negatively affecting my credit score unfairly in its inaccuracy.

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 03/29/2016 about Debt collection (I do not know) with AVANTE (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never received any type of communication that this is a debt I owe. If so, I would like to see that contract or agreement I made with this party that would show there was a contractual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Delinquent account

Complaint: MACYS STORE GAVE ME A STORE CREDIT CARD FROM CITY BANK, THE CREDIT LIMIT WAS XXXX DOLLARS, LATER I DECIDED NOT USE THE CARD AGAIN AND THEY REQUESTED FOR THE BALANCE AND I PAID THE BALANCE IN FULL TO THEM BUT THEY HAVE PUTTING THE AMOUNT ON MY CREDIT RECORD THAT I OWE THEM WHICH IS NOT BUT SOME MEANS TO TAKE ANOTHER MONEY FROM ME. 
I CALLED THEM AND THEY CONFIRMED THAT I DONT OWE THEM SO THEY WILL TAKE IT OFF BUT IS BEEN THREE MONTHS NOW AND IT IS STILL ON MY RECORDS.SO I WANT TO CHARGED THEM FOR FALSELY SPOILING MY CREDIT RECORD AND AGAIN MISLEADING ME THAT, THEY WILL TAKE IT BUT DID NOT. 
SO PLEASE HELP ME TO SOLVE THIS ISSUE, IT HAS DAMAGE MY CREDIT STORE FALSELY.

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 02/13/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Late fee

Complaint: i was asked to sign up for a credit card in Macy 's in XXXX. i gave the cashier my info she gave me a slip and the merchandise charge was on the card {$26.00}. i did not recieve a bill nor the card so 3 weeks later i called Macy 's to pay my bill and let them know that i did not get the card. i gave my account info got a confirmation number and paid it by phone. today i called to cancel the card because i did not receive it. The rep told me that i have a balance she said that the payment did not go through. I gave them correct information. She wants me to pay about {$95.00} due to late fees. This is bizzarre, it makes no sense. is this really a credit card or is it a hoax. this is the number i called Macy 's Credit Customer Service XXXX the cashier gave slip which i still. my confirmation number for my payment which was on time 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
Consumer complaint received 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Dear CFPB : This is a complaint against  Citibank for its hyper-aggressive marketing practices. Several months ago, when I applied for and was accepted for a Citibank credit card, I certainly did not expect the company would soon bombard with weekly direct mail ( not e-mail, but U.S. postal mail ) marketing offers. I want this to stop for a number of reasonsranging from junk mail cluttering my mailbox, to running the risk someone could steal my mail and open a credit card under my name, to protecting and respecting the environment. But no matter my reason, I seek the CFPBs assistance in helping me to bring Citibank to cease and desi st its out-of-control marketing practices.     See attachment for the most recent exa mple of Citibank 's ma rketing bombardment.

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 12/19/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have contacted Equifax about XXXX accounts on my credit report advising that I have settled these accounts but they still continue to report that the balances have not been taken care off. I am told to contact the creditor that reported on my credit report which I 've done and it is still not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My XXXX payments of XXXX were never credited to my account. when i called to question they stated that they sent me back XXXX payment of XXXX when I NEVER requested this. My account is showing negative on my credit report and do not know where my money is at.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from ERC dated XXXX XXXX, 2017 with a third parties name on it ( XXXX XXXX ) claiming that I owed their company for an alleged debt. The letter also stated that I had 30 days to dispute the validity of this debt. I sent ERC a certified letter and they received it within the 30 day time frame. However the same day they received the letter they placed this item on my credit report.
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I disputed the validity of this debt, and I requested validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt.
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Per this requirement ERC must delete this trade line if they do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) It has been almost 60 days since they received my certified letter and they are refusing to comply with the Texas Finance Code. I was also unable to locate a surety bond for this company, which is required in my state for them to collect on this alleged debt.
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Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me pursuant to Texas Finance Code Sec. 392.403.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (I do not know) with Kirkland Asset Management LLC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I am getting calls for my brother in law every single day. I have told this company to call him and stop calling me. I owe no debt. They are using 3rd party disclosure telling me how much he owes and that he will be sued very soon. Harassing and frankly making me feel very uncomfortable. I might hire an attorney myself.

Company response to consumer: Untimely response
Consumer complaint received 12-09-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In XXXX of last year I sent Withdrawal of liens to XXXX, XXXX and Equifax to have liens removed from my credit report. It was an arduous process since XXXX lien was filed in many counties. Now on XXXX XXXX of this year Equifax added the XXXX of liens back on my report. I would not have known this but they convinced my to pay monthly for a gold membership. I do not think ti is right to make me pay for a service and monitor my report. Then have to constantly file disputes with Equifax when they are the ones who adding the incorrect information back on my report. I spoke with the employees at the XXXX XXXX register of deeds and they said that the Withdrawal was clearly stamped in red on these liens and they did not report them to Equifax. They said Equifax sends in employees to look through records, while Equifax blamed it on XXXX XXXX saying they reported them. 

I aslo requested to Equifax to keep all the Withdrawals in my file so they would not add the same lien back on that was filed in some other county that they did not report before. They said they had no way to do this and that I had to wait until it showed up on my report and then dispute it. It seems very unfair to the consumer, I should be able to prevent incorrect information from being reported in the first place. this leaves me on the hook to pay for their monthly service. 

I have filed a dispute and am awaiting their response but I still want this addressed about adding an already deleted item back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: all credit agencies reporting past 7yrs outdated since 2006 and not my accounts ... remove all from credit files asap .... '' cap XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NJ).
Issue: Managing the loan or lease

Complaint: We purchased a vehicle from a local XXXX dealer and the finance manager arranged for financing through Wells Fargo ( we were not given an option as to who would carry the financing, we were just told that the deal was done through Wells Fargo ). When we received our first statement, I noticed that some information was missing from the statement because I have been purchasing cars for several decades and I am familiar with what is normally included on a car loan statement. Specifically, the interest rate and application of payments ( e.g. how much of each payment is applied to interest and how much to principal ). With this information missing from each statement, we feel that we are being set up for future fraud. We have had numerous instances in the past where we have been defrauded by Wells Fargo but just never filed a claim but because of the size of the car loan being greater than {$20000.00} we are afraid that we are being set up. Calls to Wells Fargo, your organization ( CFPB ), the New Jersey Division of Consumer Affairs, and the Federal Trade Commission have been received with nothing but resistance, incompetence, and/or ambivalence. As a result, there 's no question in my mind why Wells Fargo feels they can break the law with abandon. This used to be a country that was ruled by law. Today it seems it has become a country that is ruled by whoever has the most money. That 's not a political opinion, that 's a statement based on nothing but fact.

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