milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX    XXXX  , Equifax removed accounts and inquiries due to their inaccuracy and false reporting. Upon reviewing my report, I noticed that everything that was once disputed and removed has been added back onto my credit report. I did not receive any notification that these items would be added back. I am demanding that each and every one of the items that were once removed for inaccuracy be removed once again. This is affecting me negatively and hindering me from moving forward. Equifax has not provided any form of validation whatsoever and yet these inquiries and accounts are being reported. I have attached proof of these inquiries and accounts being removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My loan payment was due and paid XX/XX/XXXX at XXXX Pacific Standard time. I recieved a payment confirmation through email and I printed out my recipt. I thought that paying a day ahead of time, I should be ok, right? Wrong. My account is now passdue because the paynent is supposedly pending. It is XXXX XXXX Pacific Standard time and it is still pending. I do n't have any banking issues so this sould n't be a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that LVNV Funding Llc provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Settlement process and costs

Complaint: Wells Fargo started reporting on my credit for a mortgage that was included in a bankruptcy case in XX/XX/XXXX ; this loan has not reported on my credit for the last 7 years. I did not reaffirm the loan at any time. In my XX/XX/XXXX divorce the property and loan was awarded to my ex-wife.

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 05/17/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Credit card protection / Debt protection

Complaint: Well, I filed a dispute with my credit card for a large amount of money. A woman named XXXX promised to contact me after calling her supervisor. However, I never heard from her. I left XXXX messages on her machine and also called and left a message for her supervisor. No one ever called me. I asked if there was other information they needed and she said, typically not, your services were not as described. I have protection under my master card credit card agreement, but the part I 'm contacting you about is the failure to communicate. I 've been asking for months, but no one will speak to me. If someone promises to call so I can get my facts together, fine, but now no one at USAA will return my calls. I 've called repeatedly. Then, I got a letter -- much after these events -- asking for all the same information I already filed. This person has mismanaged my case. I explained the details completely and submitted them. She said she did n't need the information and now suddenly she lost all of it. I do n't understand how my case is being mismanaged so terribly and why a supervisor wo n't call me back. It is disturbing. I want my money back. The amount of the dispute should not be in issue. It is within my rights to have the information and be communicated with in a timely manner. The fact that XXXX lost all of my information and sounded confused about my case reveals that she did n't even investigate or look into it. I have a provision in my case that states if the services were not as provided I could have my money back. In this case I left written documentation and forwarded it to USAA. I did everything on my side and now they want me to do it again. no one ever returned a call. I do n't want XXXX, I want a supervisor. and still no one called m back. I have been at the bank with the card for many years. Why ca n't they honor their word to me that I would get my money back?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Chase Mortgage reports rolling late payments from XX/XX/XXXX - XX/XX/XXXX in error after this loan was closed in early XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX purchased discharged mortgage from bank of america and now activated the loan and has destroyed my credit. this loan was chapter XXXX discharged on XXXX/XXXX/2011.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo Bank allowed charged and account changes despite my calling and telling them my account were compromised. My Credit Card provided a line of protection and unfair and excessive fees were assessed, although sometimes waived in my favor. The bank was informed of a stolen debit card, and was supposed to replace the funds in a timely manner. After account numbers were changed at my insistence, the bank penalized me by closure of my accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing you about an entry listed on my credit report which I have tried to have removed. Apparently, someone with a similar name to mine filed bankruptcy in the Federal District of North Carolina, and it appeared on my credit report. Through our dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. Unfortunately, it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureaus any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately or I will start charging XXXX XXXX dollars a month for pain and suffering.

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 05/19/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Payoff process

Complaint: This complaint is to serve, dispute and document the bad business practices by XXXX XXXX and as well Synchrony Bank who handles the collection efforts of XXXX XXXX. Under the Federal Trade Commission and as well in the State of California they are to properly notify me of any changes to the account which the failed to do. We had bought a mattress on a three year loan in which according to them after that would incur three years of interest if it was not paid within that three years. 

Due to financial troubles we had fallen behind on payments and had notified them as such and nothing was done. XXXX years had gone by and the next phone call was that we owed triple the amount. We had sent four letters of request to pay original amount and there was no response. We had spoken on numerous occasions to managers notifying them and as well their mangers acknowledging that we should have been notified but yet no arrangement was made. So even after acknowledging fault by XXXX XXXX managers, four letters, numerous calls they failed to provide us with a solution other than a penalty. 

I wish for this account to be cleared off my account and as well the company notified of their wrong doings.

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 12/28/2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: XXXX XXXX CFPB Case number : XXXX ] ***** [ Chase XXXX # XXXX ] I previously submitted the above claim numbers. In this complaint I pasted the same information used the above referenced complaint. 

After careful review of the original claim I discovered that I only submitted a claim for the unauthorized transactions committed against the estate checking account and I mistakenly omitted the claim for unauthorized transactions committed against my sisters Estate savings account. I am now attaching the XXXX in-person unauthorized draft transactions Chase bank permitted an unauthorized person to sign checks, order checks, draft money in-person, establish ACH recurring payments from an Estate account. This person had NO authority from the Vermont probate court and also this person had no signature card on file. Also Chase bank allowed the previous XXXX to in-person draft large amounts of cash without any due process to the disposition of the funds. 
On XX/XX/XXXX I was appointed by the Vermont Probate court as the XXXX Estate XXXX for my sister who passed away XX/XX/XXXX Upon my sisters death the XXXX probate court appointed my Mother as the XXXX of my sisters XXXX and this is when the Chase estate account was established. From XX/XX/XXXX to XX/XX/XXXX my mother was in XXXX under total XXXX for almost the entire time until her death on XX/XX/XXXX and was unable to perform her duties as the XXXX. During this time many unauthorized transactions were performed and Chase permitted most of the incidents. Upon my appointment as XXXX on XX/XX/XXXX I went to a Chase banker to establish myself as the Newly appointed XXXX and in XX/XX/XXXX I was granted access to Estate account. During my initial meeting with the Chase banker we discovered multiple discrepancies and files the initial temporary claim. Since this time I submitted a full claim on each fraudulent item in the bank account and I am being denied the claim ( s ) based upon the date I filed the claim exceeded the Chase time window. How can I file a claim for something I did not have access to see? I did not know of the fraud until I was granted access to the account. Since them Chase has pulled back some of the temporary credits not all of them and will not give me a final decision on the remaining. I feel they are hiding behind the date / time period for submitting the claim and in this case I believe the time requirements should be waived so we can receive our returns and begin to deal with all of the fraud in this account. These fraudulent transaction by Chase representatives and my step father should have been prevented by Chase bank instead it looks like they were permitted by Chase bank. My family is torn apart with the death of my sister and a year later my mother and only to find Chase did not perform due diligence to protect my sisters assets.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have never authorized or opened an account with Citi bank ending in XXXX. I have previously contacted Citi and complained to them about that Citi bank fraudulently opened an account and have been sending me monthly bills with late charges

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 01/26/2017 about Debt collection (Credit card) with Delta Outsource Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A collection agency contacted me regarding a XXXX credit card account. I agreed to pay a less amount to settle the debt. But the original creditors collection agency are still charging me but for a smaller amount. The debt was not settled or delete it

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Chase Auto Loan reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XX/XX/XXXX, so my XX/XX/XXXX payment should of processed through my XXXX XXXX account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought Chase was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her what the name of the person who will be calling and she said she does not know. I asked her what time the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CALL from May-to no avail. Now I have a late paymentmark ( the only one I have on my all my reports ) due to Chase being unethical and allowing their  representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (PA).
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: XXXX XXXX credit card was attempted to be paid in full ( {$44.00} ). Check # XXXX was sent on XX/XX/XXXX ( due on XX/XX/XXXX ). Payment was not entered until XXXX at that time we were charged a late fee on {$17.00}. We called on XX/XX/XXXX to dispute the fee. Cardholder informed employee that he will either take care of the entire fee or we will cancel the card. Employee informed that he took care of the fee. 
On XX/XX/XXXX, spouse of cardholder, attempted to make a purchase and was told that the account was closed. Consequently, we received yet another late payment. We called an were told there is nothing that we could do because the account was closed. 
We were told all calls are recorded. We requested that they review the call as the situation was not handled properly. 
As a result, the account was closed without our consent and we were told there is nothing that they can do about the additional charges because the account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (FL).
Issue: Managing the loan or lease

Complaint: BMW FINANCIAL IS REPORTING A CHARGE OF ON MY CREDIT REPORT AND AGRESSIVELY ATTEMPTING TO COLLECT DEBT ON THE VEHICLE THAT i RETURENED BACK IN 2011 AND WAS TOLD THAT NO BALANCE WAS DUE FROM ME DUE TO THE FACT THAT THEY WERE XXXX TO RESELL THE CAR AND I PAID ALL THAT WAS DUE FROM ME TO CLOSE THAT ACCOUNT. SEVERAL YEARS LATER I DISCOVERED THAT MY CREDIT REPORT HAS A CHARGE OFF FROM BMW FINANCIAL FOR {$6700.00}. I CONTACTED BMW AND AFTER 7 MONTHS OF CALLING AND WRITING TO THEM ( i DO HAVE A PROOF OF MAIL SERVICE TO BMW ) THEY FINALLY RESPONDED WITH THE LETTER STATING THAT I STILL OWED THEM {$790.00}. HOWEVER WHEN I CALLED TO PAY I WAS DEMANDED {$6700.00} AND THEY DID NOT AKNOWLEDGE THE LETTER ... THIS HAS BEEN DAMAGING MY CREDIT FOR YEARS AND I STRONGLY BELIEVE THAT BMW HAS VIOLATED FAIR CREDIT REPORTING AND FAIR CREDIT COLLECTIONS ACT. I 'M HAPPY TO SUPPLY ANY AND ALL SUPPORTING DOCUMENTATIONS AS NEEDED IN THIS LEGAL PROCEEDINGS

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (WA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I opened an account with HSBC bank because of the {$350.00} offer they mailed to me, real simple, deposit {$10000.00} into a new account and get the bonus.

Well that was four months ago, no bonus, and the reps for HSBC are saying two things, that even though it 's been FOUR MONTHS since I opened the account, that is n't 8 weeks, and that the account that I opened was n't eligible for the bonus either.

So I want the account closed and do not feel I should have to pay the early closure fee since they did not live up to their end of the deal and this is clearly fraud that they invite people to open an account that they know is n't eligible for the bonus only to trap their money in HSBC.

I want the account closed, no fee, and nothing more to do with HSBC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Money transfers (International money transfer) with JPMORGAN CHASE & CO. ().
Issue: Money was not available when promised

Complaint: I transferred XXXX USD through JPM CHASE on XXXX XXXX to my personal savings account but the money isnt transferred and the status of the wire shows Successful.I am sending money through JPM CHASE for the last 3 years and never had any problem ... this is the first time i am facing this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: I am trying to place a credit freeze on my account with TransUnion. They say I already have an account and when I try to access my account they say I am not answering the questions correctly. I call the number they gave and sat on hold for XXXX minutes, then when someone finally answered, we had a bad connection and they hung up on me. How am I supposed to put a freeze on my account?

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 04/28/2015 about Debt collection (Medical) with Professional Claims Bureau, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went to the emergency room XXXX XXXX XXXX XXXX XXXX in XXXX, NY on XXXX/XXXX/14. I keep getting notices and phone calls from a company called XXXX XXXX XXXX, XXXX telling me to pay a bill for {$400.00}. My explanation of benefits from XXXX XXXX shows member responsibility as {$0.00}. I sent the EOB to them XXXX and it has had not effect. They have now referred me to a collection agency called Professional Claims Bureau , Inc . I have attached all relevant documents. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Someone requested a credit card on my account when i did n't request it. I had one card and someone else was able to request another one under my account and racked up a bill. They said they could n't do anything for me because they did n't see the fraud happening. So I got stuck with the bill and had to pay it off. Then someone kept trying to get into my account. I was receiving temporary pass codes and I called them and told them it was n't me trying to access it. I had closed all my accounts with them. I was not very happy with their customer service. I was being sent to different people all the time and they said the exactly the same thing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief