milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was a member of  XXXX   XXXX   XXXX , which was acquired by  XXXX   XXXX   XXXX   XXXX . The process of merging, transferring, and issuing new account numbers were phased-in over  three  months :   XX/XX/XXXX ,  XX/XX/XXXX and XX/XX/XXXX .      I have had a  XXXX   Visa card (  " loan account '' ) since   XX/XX/XXXX  that I paid via my accounts page. My accounts page included my savings account and I would pay my Visa by simply transferring money from the savings account to the Visa account. During the phase-in   transition however, the banking accou nts ported over to the   XXXX    website  in  XX/XX/XXXX , bu t no t the Loan accou nts ; those would not phase-in unti  l  XX/XX/XXXX .
In  XX/XX/XXXX  I sent a secure mes  sage to  XXXX  customer service about making m y Visa payment, the  response was to mail it, and I was provided an address. I sent a  Bill P ay payment from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     On   XX/XX/XXXX , I rec eive a credit alert from  XXXX  that  XXXX  reported m y Visa account  as 30 days late. The effect of this reporting tanked my credit score.     When I calle d   XXXX   XXXX   custome r service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Chase transferred my account to XXXX XXXX XXXX during the loan modification process. In light of this transfer, I am requesting a " goodwill '' adjustment on the reporting of this account to the XXXX credit bureaus and removal of all late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: I filed chapter XXXX bankruptcy case on XXXX/XXXX/XXXX, a second on my house in the amount of {$50000.00} through JP Morgan Chase with the open date of XXXX, this was included In the BK and the house was surrendered back to XXXX the bank that held the lean. 
Chase failed to respond in time to my attorney to be included in my BK and then was denied by the courts when trying to file late. 
In XXXX Chase tried to refile with the XXXX county courts and my attorneys using a made up account # with the same open date of XXXX for {$50000.00} and again they were denied. 
So now I have XXXX loans on my credit report. 
My BK was discharged XXXX and Chase is reporting to the credit burrows on both the original loan and the fraudulent loan. 
I 've called Chase four times and the credit department can see whats going on but have still failed to fix the problem.. 
They did change the status of the fraudulent loan from open account with {$50000.00} line of credit to Collection with a XXXX balance as of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Payday loan () with ACE CASH EXPRESS, INC. (NV).
Issue: Payment to acct not credited

Complaint: I 've made payments to ACE and I 'm being contacted by multiple collections agenices stating a warrant is going out for me if I do n't resolve this matter immediately. i paid one of the callers becasue he called my main desk and told security a warrant is going out for me if they were n't connect to me immediately. then a week later I got called by another collection agency telling me the other was a fraud and I should request a chargeback. I have paid this company three times and keep getting threatensing calls. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: An automatic monthly transfer from checking to savings caused my daughters checking account to od. Instead of cancelling the transaction, the bank put it through and charged a {$12.00} fee. Both accounts are with B of A, the transfered money thus never left B of A control. This fee is to high to just cover some transaction cost.

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 04/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: i have a capitol one account that was open off fraud. I request account be deleted from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / NO KNOWLEDGE OF THE 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 's data breach disclosed on X/X/17 has resulted in the loss of my sensitive personal information as well as millions of other Americans. I am listed as a potential victim on their website, and was provided a date next week upon which I can return for free credit reporting that allegedly waives my right to sue. This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (NC).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Vehicle was deemed a total loss. Insurance have requested letter for payoff agreed amount. Refused to speak with insurance company on 3 way call with borrow to inquire anout letter. Hung up on us the borrow 3 times in one day after wait time to speak to the loss dept was an hour wait time. Would not provide names or mangement for escalations. Stated will not assist in the Gap indurance process. Was rude and nasty with us the borrower and insurance rep. Phone numbers listed on payment voucher is incorrect and also there website. We just want to pay the loan off amd they refuse to assist and will not speak to us. I have asked for management names they would not provide and only sent me to a voicemail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX has deleted 2 accounts from my credit report finally. However XXXX and experian are still reporting this information on my report. I have submitted and uploaded proof that these 2 companies have given authorization to delete from my credit reports. I contacted XXXX today XXXX/XXXX/2017 to explain that XXXX XXXX XXXX was deleted off my report and has been reinstated back on again this month. I have been dealing with this issue for months now. I was told by XXXX they will open a new investigation. Now I have to wait another 30 days again. This is completely wrong this account has been verified to be deleted off my report but they are giving me a hard time about this. I explained it has been verified to be removed from XXXX so they should have received the same answer for XXXX and why was this put back on my report again. I have been spending many hours and days try to correct this problem and now I 'm put back another 30 days having this on my report is affecting my credit score in a very negative way and causing me a hardship in obtaining substantial credit

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 02-10-2018 about Debt collection (Credit card debt) with Convergent Resources, Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX.,  XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, WA XXXX, sent me a collection letter ( ref. Client Acct. # XXXX ) for a debt I did not owe. Further, XXXX sent this letter to my new address indicating it fraudulently accessed my credit information without authorization. It also used my personal information to acquire my contact number and send me harrassing phone calls.

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 03/20/2016 about Credit card () with CITIBANK, N.A. (CO).
Issue: Billing disputes

Complaint: XXXX 2015 a {$450.00} item showed up from a check written on my credit card. 
There was an additional fee for the check of {$22.00} I did not use a check and reported the activity to Citi Card after receiving our statement. The check was never authorized by me and I disputed the charge and the fees. The representative from Citi told me not to worry and the charge would be removed. I also at this time requested they not send me blank checks to my unsecured mailbox. 
On my XX/XX/XXXX statement the charge was never removed, and I am still getting blank checks in my mailbox. Made a second call and spoke to a representative at Citi and they informed me that they would take care of it including not sending blank checks. This time I started monitoring the online account activity. There was no change on my account. 
I called a XXXX time and requested specifically they send me formal dispute paperwork. At this time the representative at Citi asked if I wanted to list my Husband on the account as we just got married. I said sure. I also re-iterated that I am still getting blank checks in my mail which is how this type of fraud starts. The representative said they would get the checks to stop. 
After not receiving the dispute form I called a fourth time. This time I was able to coax them to actually sending the paperwork to me. The fraudulent copy of the check was in the dispute form and was clearly not something I signed and authorized. Further, it is not legible enough to even determine what financial institution accepted this fraudulent check. 
I filed the dispute paperwork on XX/XX/XXXX. 
On XXXX XXXX I received a statement from Citi stating they need my husbands signature to process the dispute. I find this insulting since he was not on the account and still does not have any credit scoring information assigned to this account. 
The check and check fees are still assessed against my credit card account. 
At this time I feel that there is no good faith on Citi 's end and have been dealing with the issue for three months. This is not acceptable behavior for a financial institution of this size and contradicts their fraud policy advertised on Television and other media sources. 
My Citi Diamond Preferred Card Information : XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX : was XXXX XXXX during the fraud activity. 
Account ending in XXXX My personal contact information is : XXXX XXXXXXXXXXXX I recently received a

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: When i requested a transfer of a merchant credit from 1 american express card to another, bank made a mistake and withdrew over {$900.00} from my account without notifying me or obtaining my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Submitted a letter of dispute to this company via certified letter and never received a response back from them and they continued to report the same disputed information on my credit reports without noting that I was disputing the information.

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 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent all documentation to the credit bureas about fraudulent items that are showing on my credit reports. An identity theft statement, police report, a victim statement and a name of all accounts, addresses, names, birhtdays, ect to the credit bureaus. The credit bureaus replied with a letter stating that they refuse to block the fraudulent information. These items are fraudulent and do not belong to me. they stated that i must have gained from these items. it is a store on the report that is for kids. i am a XXXX year old man. i am not even familiar with this store. I am asking that the bureaus immediatly block and remove all of these fraudulent items immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Vehicle loan or lease (Lease) with J & C Auto Sales of Collier County, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit shows that I owe j and c auto sales a little over XXXX dollars for a vehicle that I voluntary gave back to them in XX/XX/XXXX. I have contacted the company via phone and was told by a gentleman by name of XXXX that he would not provide me with any documentation of what I owe them for the vehicle. After I turned the car into them, the vehicle had been re-titled in the company 's name around XXXX XXXX, then sold to leased to another customer. The customer then gave the car back to the company which it was then re-titled back in the company 's name around XXXX XXXX, then vehicle was then sold to another owner the same month. The FL DMV has documentation of these sales and re-titling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2016 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company knowingly did business with a company that breaks the law and violates people 's rights under the FDCPA. I demand they remove any information from my credit report.

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 10/27/2017 about Payday loan, title loan, or personal loan (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (DE).
Issue: Received a loan you didn't apply for

Complaint: On XX/XX/XXXX, I checked my email and noticed there was an email from XXXX XXXX that an account was past due and it was reported by a company called Cash Central XXXX. This account was fraudulently opened under my name and was on my XXXX XXXX credit report as past due. That same day, I submitted a dispute via XXXX XXXX and the following day I contacted Cash Central XXXX or also known as Community Choice Financial out of XXXX Ohio. I spoke to representative named XXXX or XXXX and she advised me that the account was opened on XX/XX/XXXX in the amount of {$2500.00} and that she will be sending a packet that needs to be filled out and notarized so that the Identity Theft Claim process could commence. I am currently in the process of filling out the packet they emailed. I also notify the XXXX XXXX County Police Dept of Identity Theft and has taken extra steps to put an alert on all 3 credit agencies. I 've also filed an FTC report. My complaint about Community Choice Financial is that an online application was opened under my name and was carelessly granted to the fraudulent individual and no credit check was done. No inquiry showed up on my credit report that would 've alerted me earlier that an account that was fraudulently opened under my name. I am questioning the internal controls this company has in place when they open or grant loans and what security they have in place to ensure that the person who is applying for the loan is not a fraud.

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 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This be on my credit reports. It is not anything I know of. Never wrote me, just put it on my reports.

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 non-monetary relief
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: A debt in the amount of {$3000.00} from National Credit Systems is being reported on my credit report. The debt in question is from an apartment that I leased. I contacted the company [ National Credit Systems ] by mail to ask for validation for this debt and the accuracy of the amount. I received a response back on XX/XX/XXXX. The company replied by sending the transaction history and the initial lease. ( see attached ). The initial lease was dated XX/XX/XXXX to XX/XX/XXXX ( Dates are wrong on the lease also ) I am being billed a termination fee of {$1100.00}. My move out date was XX/XX/XXXX. Before I moved I notified the then Manager of the property ( XXXX XXXX ) of my intention to vacate the property well within the 30 day in advance time frame so as to avoid the termination fee as per their agreement I was on a month to month basis since no lease renewal had been signed after the original lease. I have also spoke with the apartment complex to verify this amount as inaccurate but they have since changed management.I have made several attempts with the new leasing office to obtain verification of the amount and have been unsuccessful as all I am told is they are under new management I have also disputed this with the Credit Bureaus and National Credit System confirmed the debt as accurate.National Credit Systems did not contact me regarding this debt before placing it on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: TRANSUNION continues to report " hard '' inquiries into my file by XXXX CARD on XXXX/XXXX/XXXX and by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX,XX/XX/XXXX and XXXX/XXXX/XXXX. I have REPEATEDLY asked that ALL of these be deleted as they were to have been done as " soft '' inquiries yet no one has been willing to help me with this.

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 04-12-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I can not get anyone to do their job at Freedom Mortgage so I am having the homeowner file this complaint on his own. XXXX XXXX is the homeowner and if this complaint is in the third person, it is because it is the same complaint I have tried to file on his behalf with no success, as Freedom Mortgage is seemingly above having to respond to complaints made against them with the the CFPB : XXXX XXXX had a substantial loss of income and his current monthly expenses increased, exponentially. As a result of this, XXXX fell behind on his mortgage and it became a snowball effect that he could not manage nor control. He is actively seeking gainful employment and wants to save his home that he resides in, desperately. XXXX is hoping that with the assistance of this formal complaint, that he can have an assistance file reviewed by someone in the Office of the President at Freedom Mortgage.

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 10/19/2015 about Credit card () with Synovus Bank (FL).
Issue: Billing disputes

Complaint: Recently I made a payment to first progress to pay off my outstanding balance. The amount was debited from my account as an ACH check since that is the ONLY way that the take payments. Since the beginning of having the card they have been a total pain in the XXXX to get a pay to. I made the payment on XX/XX/XXXX of this month, and no credit was available to me even though they received the money from my bank and my balance was XXXX. I called them on XX/XX/XXXX in regards to this and they informed me it would take up to 15 days for me to have the credit available, Irate I closed the account and demanded the deposit back, and they told me it would take up to nine weeks to get my deposit back. This is completely unacceptable. they got the deposit for the card in a timely manner they should return it in a timely manner, and 7-9 weeks is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Debt collection (Medical debt) with Southern Credit Recovery, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: i called the creat report angncey and they sepoted it and i got my creat report back it says it stayes on there

Company response to consumer: Closed with non-monetary relief