milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX I reported unauthorized fraudulent activity on my debit card following a property/identity theft on XX/XX/XXXX which resulted in {$1600.00} of unauthorized charges and incorrect fees. My cell phone with the same number registered with Chase was also stolen. Upon reviewing my phone records, I saw 20+ calls to Chase Fraud Protection Hotline which were attempts to authorize transactions that were stopped due to suspicious activity on my account. I was issued a temporary credit while my claim was investigated. After investigating my claim, I was informed that the claim was denied due to PIN/chip use and because " I '' authorized the transactions over the phone, when in reality it was the thieves who fraudulently authorized it using my personal information obtained in the identity theft. At this point, I submitted a police report and phone records for further review. The claim was subsequently partially denied again for the transactions totaling {$260.00}. 

In violation of the EFTA, Chase advised me that the decision on this claim was irreversible and they would take no further action, despite the outstanding unauthorized debits to my account in the amount of {$260.00} ; {$210.00} more than the {$50.00} limited liability for unauthorized transactions through a debit card, provided by the EFTA.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Chase Bank account closed, charged off and/or settled, negotiated through XXXX XXXX XXXX ( XX/XX/XXXX thru XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Medical) with Debt Recovery Solutions, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My identity was mistaken by a debt collector named Debt Recovery Solutions , LLC ( " DRS '' ) of XXXX, XXXX, XXXX XXXX. DRS claimed I owed a debt for medical services that in fact were not related to me and that I did not incur. I disputed their claim in writing and requested that they provide supporting documentation verifying the accuracy of the debt collection. Subsequently, the supporting documentation they provided reflected information of an individual with a similar name as mine, but with a different date of birth and an address at which I have never resided. Thus confirming that DRS 's attempt to collect this debt from me is erroneous and baseless. 

Nevertheless, DRS has negatively impacted my credit report, by recklessly reporting this debt collection to my credit report. I have disputed this debt collection and erroneous credit reporting to both XXXX and DRS and have provided DRS with documentation that contradicts and disproves their claim of my obligation to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: On XX/XX/2017, I received and alert and a phone call from my bank, XXXX, with an alert of possible fraudulent activity. At XXXX, I received a message asking if I had made money transfer. At XXXX, I responded that I had not made any transfers. At XXXX, I received a call from my bank and my account was frozen for my protection. 
I immediately tried to sign into my American Express Serve account to no avail. At XXXX, I called American Express customer service to report the problem and discovered that my account had been hacked and my password had been changed. Someone had made transfers in the total amount of {$930.00}. The representative gave two names and asked if I knew them, which I did not. The names I was given were " XXXX '' and " XXXX ''. I do not know these people. I was reassured that the matter would be investigated, and the persons involved would be prosecuted. I was thankful to know that I would be protected from this fraud. 
On XX/XX/XXXX, I received two emails, one notifying me that the investigation had been closed, that I was in violation of my account agreement, and that my account had been locked and my account privileges suspended. And the other stating that based on their investigation, they determined that no error occurred and that the transactions in question were authorized. They also stated that I had the right to review any documents they relied on in making their determination. 
On XX/XX/2017 ; I mailed a request for this information, using certified mail with a signature card. I sent it to the address given and it was signed for on XX/XX/2017. 
I still have n't received and documents showing how they made their determination. I have called customer service on numerous occasions and several rep have claimed that they would send my concerns to their investigative team and I still have heard anything and no one will give me a number to call the investigative office, claiming they do n't have a number to give me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: We refinanced our vehicles in XX/XX/XXXX. We signed all the paperwork they needed to process the loans for our XXXX XXXX XXXX and XXXX XXXX XXXX. Since then, every month they send additional documents, needing more signatures, the same paperwork we originally signed. Everytime we get the papers in the mail, we take it to the Wells Fargo, we got the loan at, the banker there, XXXX, faxes the signed copies to them and then calls them to ask if there is anything else they need from us, they tell him no, everything is fine. The next month something else, this is getting really upsetting.

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/2018, I rec 'd notice from Equifax to go to www.trustedid.com and review credit report. I noticed under " Associate Address '' section that the following address was listed as being part of my present address : Date : XX/XX/18, Address : XXXX XXXX XXXX, XXXX : XXXX, TX XXXX XXXX : TX XXXX. 

This is erroneous information on my credit report - at no time have I ever lived at or know anyone at this address. I wish to have this information reported and removed from my credit report as I feel I am victim of ID theft by use of this address on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with COLLECTIONS USA, INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am being charged for a collection that i was never aware of. Person who rented in XXXX Arizona used my name and identity information to rent an apartment under my name. Agency responsible for apartments never received a signature from me nor did i ever provide original or valid identification or knew there was an apartment under my name in that city.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Debt collection (I do not know) with LTD Financial Services, LP (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I recently discovered a judgment on the title to my house from a company called Advantage Assets for {$12000.00} in XX/XX/XXXX. I have not had any line of credit or credit card since XX/XX/XXXX so I do not know how or why it is there. I was never served papers or warned of this action to put a lien on the title to my house or garnish my bank account. I have not been notified at all for any request to pay this debt. I did n't know of any of this existed until funds from my bank accounts were garnished. I have never been informed of any judgements but they continue to garnish my account and I still have the lien on the title which I need to have removed. I want to settle this matter, but I feel these creditors have committed fraud. I would be grateful for any help resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: In light of the recent Fraud and Schemes that have been reported in the news concerning Wells Fargo Bank, in whom I do bank with, I have grown very suspicious of two recent things concerning Wells Fargo. First my log on password was suspended for no apparent reason, Second ; I received a refund Cashier 's Check dated XXXX/XXXX/2016 in the amount of {$12.00}. Check number XXXX. The letter stated it was a refund from a loan. Loan # XXXX. The odd and suspicious thing is that I do not recall or have knowledge of this loan. I am very concerned that my identity, account, and privacy has been compromised. I called Wells Fargo today, and could not get a straight answer to any of my questions. I would very much like to know what is going on, and what can I do to protect myself. If you may assist me in anyway, I would greatly appreciate it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit bureau mistakenly changed the " Reporting Date '' for the closed XXXX foreclosure # XXXX on my credit. There is no reason for this to have happened. Two months ago, this account had a " XXXX '' balance with a Last Reported date of XX/XX/XXXX. It has been this way for years. Somehow, the credit bureau has now changed the " last reporting date '' to XX/XX/XXXX. This is clearly a problem because there has been no new activity for this account and this is causing my scores to be affected negatively! How can there be a new reporting date for an account that has been closed for over three years? This does not make any sense. I am including screenshots from saved credit reports I have for XX/XX/XXXX and XX/XX/XXXX. You can clearly see the credit bureau is now reporting " XX/XX/XXXX '' as the Date Last Reported. I need this to be changed back to " XX/XX/XXXX '' immediately. I am trying to get a mortgage and I have been turned down because of the credit bureau 's inaccurate change to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Vehicle loan or lease (Loan) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Purchased our vehicle and it was financed through XXXX XXXX All was well until we moved and received a notice that our insurance was reported canceled by the state of California. We contacted our insurance company and had them send over the current insurance, proving that there was no lapse in coverage. A couple of weeks later we receive a second notice of the same thing. We again contacted our insurance company and had proof of insurance sent over. Meanwhile, XXXX has added their own insurance to our bill and because we pay the same amount every month that does not include the insurance we do n't need, they are now threatening to report a delinquency to the credit bureau. We have had our insurance company send the proof of insurance a third time, but we are being told that it takes 10 days to process and will be past the 30 day mark so it will be reported to the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Trouble during payment process

Complaint: on XXXX XXXX XXXX I refinanced my home equity line with XXXX XXXX, They sent out a check and on XXXX XXXX Huntington deposited it. I had an account at Huntington that I had money saved and did n't touch so I was unaware that monthly Huntington was now taking a minimum monthly payment from that account, I went into the local branch to closet that account to find it was drained and found out why. The local branch was no help and the XXXX was no help. They essentially deposited that check and stole that money, they said since there was not an account number on the check they would not have known what to do with the check. XXXX XXXX sent a payoff letter with the check that had the account number and all my information that Huntington conveniently misplaced. I need this taken care ASAP because I 'm refinance my home with XXXX XXXX and that line is still showing open so I now technically have XXXX liens on my home and Huntington 's should have been closed & released over 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: To whom this may concern, I 've been trying to resolve XX/XX/XXXX XX/XX/XXXX the multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account.

The Credit Bureau ( Experian, XXXX & XXXX ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted these companies as these accounts were included in a chapter XXXX bankruptcy and upon health problems which was a XXXX XXXX and unable to work my bankruptcy was dismissed. These accounts went into a charge off status and when I was made aware of these accounts, I diligently Made the necessary steps to correct these reports by paying the balance made the necessary steps to correct these reports my pay and the balances on these accounts, They are misrepresented on my credit report and all statuses pertain to in these reports by these creditors should reflect that these accounts are paid and they are not collections and they are not charge-offs. I am willing to work with anyone to make these corrections by any means they suggest

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 EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX  or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I need your assistance in getting this matter resolved because I have reached out to the credit agencies and to Cavalry Portfolio to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Billing disputes

Complaint: We used a Chase VISA credit card for services at a veterinary clinic. The services were sub-standard and were harmful to our pet. Although, we disputed the charges, XXXX XXXX, disputes dept. XXXX, extension XXXX said that services rendered could not be disputed. However, this is incorrect as XXXX publishes that services can be challenged if they are not in accordance to a reasonable standard when compared to similar merchants. Although we provided extensive evidence that the merchant failed to provide services in accordance with a reasonable standard by contacting XXXX major veterinary clinics, XXXX XXXX refused to proceed with the dispute saying that even if that were true, Chase can only ask the merchant bank for a credit which she was certain they would not provide. I was surprised by this as I had been a XXXX year customer of Chase bank. I was even contacted by the Chase " Executive Office '' only to disover this was another level of customer service with no ability to make decisions. The agents name was XXXX XXXX, XXXX, ext XXXX and she said that Chase did contact the merchant bank but they refused to issue a credit saying the charges were valid. Again, since we were able to provide evidence that the services provided were substandard, caused harm to out pet, that was XXXX results took XXXX hours to receive thus extending the hospital stay and costs, unnecessarily ( 24 hrs is standard turn-around time for results at all vet clinics of similar size ), we dispute the services as substandard and useless due to timing issues which provided little to no options for us to consider in the treatment of our pet.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Sale of account

Complaint: XXXX XXXX claims they have transferred a Costco Credit Card I had with them to Citibank. But I never applied for a credit card from CitiBank. 
This creates XXXX problems : 1 ) XXXX XXXX refuses to acknowledge my old Costco Credit Card account and let me download my transactions 2 ) XXXX claims I now have a new credit card with a bank/issuer that I never asked for an account with. 
XXXX 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AP).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was leaked in the Equifax databreach.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: By XXXX XXXX2018 Bank of America claiming to change my Account from eBanking Checking to what they Call Core Checking which i did n't sign up on

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 04-12-2016 about Bank account or service (Cashing a check without an account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Problems caused by my funds being low

Complaint: XXXX of my Navy Federal checks was stolen from my check book and cashed for {$1500.00} at the XXXX XXXX on XXXX XXXX, 2016. The XXXX XXXX aloud someone without an account to walk in and cash the check. There was not enough money in my account to cover it, which should have been red flag. Navy Federal is saying I am at fault because the signature on the appears to be minds. There was some canceled checks with my signature on them in my check book at the time the check was stolen. I reported this issue to the police and was told that anyone with a cell phone can take a picture of a signature and superimposed it on any document. Navy Federal is refusing to refund me the money.They aloud some to walk in who does not have an account and cash a check plus there was not enough money in the account to cover the check and no one asked any questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: The credit reporting agency refused to show proof this debt belong to me. Also refused to investigate the account properly according to fcra. The account XXXX XXXX XXXX need to be investigated properly

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