milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: We went to a XXXX restaurant called XXXX located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/2018 because they ran a 50 % off deal on XXXX. But when we were ready to pay with the XXXX, XXXXXXXX XXXX manager, XXXX, told us the deal was fake and they would not honor it. We asked the manager who would run a deal for your restaurant on XXXX other than yourselves. XXXX did not answer my question and insisted we must pay full price. 

After we paid the bill in full, we contacted XXXX about the restaurant claimed XXXX ran a fake deal for the restaurant. XXXX assured us that XXXX had no incentives to run fake deals for any company. And in fact a merchant must contact XXXX first before XXXX would run a deal for them and get commissions. 

So at this point it was clear that XXXX ran a scam to get people into their restaurant thinking they would get 50 % off the bill but XXXX had no intention to honor the deal. Then I disputed this charge on my credit card which was issued by JP Morgan Chase because I did not receive goods or services as agreed. 

JP Morgan Chase completely ignored the problem XXXX ran a scam and insisted I must pay XXXX because XXXX provided service. I tried to explain the situation that XXXX ran a deal on XXXX but had no intention of honoring the deal to JP Morgan Chase 's representative. But my words were fell on deaf ears because the representative kept repeating " I understand but you need to pay the merchant. '' The representative had no understanding of Consumer Credit Protection Laws. 

My wife also complaint about this on XXXXXXXX XXXX XXXX page and XXXX 's response was " I'm very sorry for this situation. We talked to XXXX about a deal but decided not to run it. However there was a miscommunication and it was posted. This was our mistake. '' So I forwarded XXXX 's response to JP Morgan Chase as proof that XXXX did not run fake deals and proved the point XXXX did contact XXXX to run a deal. But JP Morgan Chase did not care and still asked me to pay full amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My chapter XXXX bankruptcy has been closed and transunion is still showing as filling status. The Reference # XXXX. I tried contacting and disputing it with transunion and i was unable to fix the problem.

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 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My credit card, which I only use for Credit purchases, wiped out my entire checking account by stealing the mony in my checking account fraudulently. I never gave anyone permission to take funds from my checking account - ever. It has cost me over {$1000.00} in bank overdrawn fees, {$400.00} in late fees from my other vendors that the money belonged too. My credit is ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated

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 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Over the years ive been looking over my credit, ive noticed inquiries that were once on my report fall off and reappear.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Credit score drop due to the fact that XXXX put me on collections for a account thats not mines. And on my credit report they have the wrong name and birthdate.

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 06/23/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear sir/madam, as I was going through my credit report on Experian negative report on my credit. The negative report was from XXXX, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. XXXX I Copy this account number from my XXXX credit report. I am requesting that XXXX or any of it affiliates should remove such negative statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with Credit Karma, Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I do n't know who 's social this is.after being denied credit and seeing the reason i did some investigating and found that credit karma a third party is reporting inaccurate information. I spoke with the XXXX bureaus they show one thing credit karma another. I am attaching a transunion report with supporting documentation. I am XXXX behind this. Because of this i have to apply for a secured card just to try and build my credit while disputing this mess. I attached the denial letter with a score of XXXX. XXXX says i have no score but yet i pulled all three bureaus and it shows a score. As a consumer im confused and dont know how to fix this. 

Please help me. I want to buy a house and a car with a good interest rate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I can not get my credit report from none of the XXXX credit reporting companies? I need to remove a hard freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (I do not know) with FIDELITY CAPITAL HOLDINGS, INC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Fidelity Information corp    XXXX   XXXX    XXXX   XXXX  CA,  XXXX  Has reported a debt on my credit among the  XXXX  credit bureaus. This debt was for a corporation not in my personal name. I never signed or ordered work from  XXXX   XXXX . I tried to contact them by phone and was hung up on in   XXXX   XXXX     I then sent letters denying the debt. They were returned so I looked up other known addresses and those disputes were returned by mail as well.     I informed the credit bureaus and they verified it with the company and continue to list on my credit. This company is not letting me personally dispute the debt with them but verifying with the bureaus. I looked up their reputation and this seems to be a common way of doing business.     My rights have been violated it is effecting my ability to buy a home and I want them to resolve this invalid debt with the  XXXX .     Thanks,  XXXX   XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In XXXX XXXX, I reported to XXXX, Equifax, and XXXX, that information on my credit report is incorrect. Date of first delinquency being reported by XXXX XXXX XXXX ( XXXX ) is incorrect. They were even falsely reporting payments that were never made. This was a loan obtained in XXXX which is now a 10 year old account still being reflected on my credit report. It is being reported that last activity was XXXX when in fact no activity has been made 5 years beyond that.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Bank account or service (Savings account) with BB&T CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: Upon review of my savings account, I do see that the {$190.00} that was found to have been deposited in someone else 's account was correctly deposited into my savings account on XX/XX/2017 as BBT indicated in their response to a recent complaint ; however, they failed to reimburse me for a late fee in the amount of {$9.00} that was assessed on the loan account on XX/XX/2017. I paid that fee from savings on XX/XX/2017 so that additional fees would not be assessed on the loan while BBT researched the missing deposit. That late fee would not have been assessed had the deposit been credited to my account when received in XX/XX/XXXX. I would like BBT to credit my saving account immediately in the amount of {$9.00}, the late fee assessed on my loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (CA).
Issue: Trouble during payment process

Complaint: On  XX/XX/XXXX  i received an email from "  XXXX  '' saying the were now going to be my mortgage payment provider. Which i was shocked to read, to be honest i thought it might be a scam.     Then it turned out to be real. I logged onto  CitiMortgage 's  website to make my next payment and low and behold i have a {$0.00} balance on my loan amount.     I was shocked since i had not received any notification from  CitiMortgage th at this was going to occur or was given any opportunity in advance to refuse the transfer of services.     I  called CitiMortgage  on  XX/XX/XXXX  in an effort to get this corrected and continue to use them as my provider. They said there was nothing that they could do since the loan was already transferred. I asked to speak to a  " manager  '' and so they transferred me, to which did nothing. This is awful, the sad thing is they provided great service since i have been doing business with them since  XXXX . All i want to do is continue to work with them and not some cut rate shoddy company as they have " sold '' my loan.     I told them that i would file a complaint, which is what is being done now.     I did not give any consent for them to transfer my account to a different provider, nor did i receive any notification that this would occur.     I was told by  CitiMortgage t hat a " letter '' was sent, but i never received it. I asked if they had a signature for the receipt of the letter, and of course they did not. Apparently it was sent " general '' mail, so who knows where it ended up. Something this important should be handled with at the very least certified mail, but even better would have been a service like    XXXX    or  XXXX  that requires signatures and proof of delivery.     This new provider does not have the same options and benefits that  CitiMortgage  provided in the past, which is why i would not like to switch or do business with the new provider.

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 01-12-2018 about Payday loan, title loan, or personal loan (Payday loan) with BTH Management (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a collection item from a collection agency called XXXX XXXX XXXX XXXX in the amount of XXXX only on my XXXX credit report. It just started showing up, I have never heard of them and have taken out a payday loan. I tried to dispute it with XXXX and XXXX XXXX, XXXX said they contacted the company and was told it was valid without receiving any type of contract or documentation to verify it, they just took their word. When I contacted XXXX they have no record of the account and told me to file a dispute with XXXX! And XXXX is telling me to contact plaza so I keep getting the run around for a debt that does not belong to me but is hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: OnXX/XX/XXXX My Older Brother was looking to purchase a new vehicle ( XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX and He decided to finance the vehicle. It was n't even 24 hours and He noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, He decided to return the vehicle the very next day because of this Issue And as of today XX/XX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX I Co joint with my brother to Finance the vehicle. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX applied for me. XXXX XXXX is on of the Hard inquiries on my Credit Report. He did n't have the vehicle for more then 24 hours and It 's still on my credit report today XX/XX/XXXX. I hope this issue gets fixed. If you have any questions please do not hestiate to call me ( XXXX ) 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 01-08-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Diversified Consultants continues to call me even after I have disputed the validity of the debt when they are supposed to put it on a 30 day hold. 

In addition, even after I speak to them on the phone, they call back multiple times per day. This is harassing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2017 about Debt collection (I do not know) with Stevens Business Service, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I notice d two months a go upon receiving my annual credit report that there was a debt I did not recognize. I suspect this debt to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Alliance One is the collection agency used by the City of XXXX XXXX to collect past due accounts. They billed us for a previous-year tax issue which was resolved. XXXX agrees, and has sent us emails confirming the closure of the issue. Yet, Alliance One continues to robocall us twice a week. Each time I call them, I ask them to contact their client, and they refuse to do so. I also tell them to stop calling here, and that demand has been roundly ignored. XXXX XXXX also refuses to contact Alliance One, insisting that I request a statement or invoice to forward back to the city as proof that the account is still being pursued ( which they wo n't do ). Neither entity seems particularly motivated to end this. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: During a period between XX/XX/XXXX-XX/XX/XXXX I was required to visit the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. At the time I was without any form of insurance, and applied for and was approved for what was then termed " XXXX XXXX '' which was sponsored and paid directly by XXXX for uninsured, low-income patients. However, the application was apparently mishandled and the information never properly submitted, so I now have multiple negative credit items reflected on my credit reports ( for several visits, but all covered by the submitted XXXX application at the time ) Due to the manner in which billing is done at the medical center, these negative items are being reflected as different credit items from several departments, and none of them acknowledge or notate the approved XXXX XXXX assistance by XXXX. The items listed and in need of removal include the following : XXXX $ XXXX XXXX $ 76.00XXXX XXXX $ XXXXXXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXXMy credit score is at least XXXX points lower than it should otherwise be as a result of the failure/refusal of XXXX and the credit bureau 's to remove the items covered by my XXXX insurance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The Student loan company called Navient is reporting an amount and late payments on an account that is closed and has been charged off. They are reporting to different amounts I only had loans with XXXX XXXX and they loans were federal loans and not private loans the first amount is {$71000.00} and the second amount is {$79000.00}. Also they are reporting to the CB every month as late and it's effecting my credit score in a huge way, which can effect my employment. I've already placed an dispute with the CB. As well. I would like to have this account deleted off my account because I do not owe this amount of money with them.Also the late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Debt collection (Auto) with WELLS FARGO & COMPANY (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Hello, When I just come from XXXX, I had XXXX years old, much everyting seems to be new and different to me. I start working, but I did n't know that there were people that was planning to make me feel sick and XXXX by bringing me to problems that they sure n't can involugrate me on, i were not inform of much and they violate my trust and laws of respect, dignity and identity, and now I have been harassed by collections agencies, for example this one that I just find in my mail today from : XXXX original creditor : Wells fargo Bank , N.A . original account number XXXX current Creditor : XXXX, XXXX. XXXX Account No : XXXX Current Balance : {$10000.00} I feel they just have been disturbing my patience, and they try to charge something that I dont have, something that I did n't purchase. I hope some one can help me to stop the corruption and harassment they have been planning against me and good people.

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 02-03-2018 about Mortgage (Conventional home mortgage) with Selene Finance LP (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: On XX/XX/XXXX I filed a complaint with CFPB against my mortgage company Selene Finance for incorrectly reporting to the credit bureaus that I was 30 days delinquent on my XX/XX/XXXX payment, 60 days delinquent on my XX/XX/XXXX payment and 30 days delinquent on my XX/XX/XXXX payment. After filing this complaint with CFPB they contacted my mortgage linder for them to investigate my complaint ( which they would not have done had it not been for CFPB ). I have never been late on my mortgage payment and was not late when I entered into an informal Repayment Plan for three months to avoid being delinquent due to XXXX and being out of work. Selene Finance discovered they made an error and they confirmed that they incorrectly reported this information to the credit bureau. I received a letter of apology from Selene Finance with a promise to correct their mistake and have the credit bureaus to remove these delinquent payments from my credit report but after todays date they have not. Today I called them and was told I was three months behind and I broke the Repayment Agreement. This is not true at all. I made the last payment under this agreement XX/XX/XXXX and and was never late. CFPB Case number XXXX, Account number XXXX. Please assist me in getting this resolved. I will include a copy of the letter they sent me. 

Thank you

Company response to consumer: Closed with explanation