milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: To whom it may concern. 
I have Checking, Savings, and Mortgage accounts with Chase Bank. 
On XXXX/XXXX/15, a day prior for leaving for XXXX I called Customer Service and notify them about my travel plans. I told Customer Service that I 'll be renting a car in XXXX XXXX XXXX on XXXX/XXXX/15. I wanted to make sure my debit card will work. Customer Service representative promise to unblock my accounts for use in overseas. So I went. 
However, upon my arrival in XXXX my card did not work. I found myself in embarrassing situation, when clerk of a rental car company was swapping my Chase Card and getting " insufficient finds '' status. 
I felt like a criminal with everybody 's looking at me, like I 'm trying to cheat the company and people for their money. 
I start making collect call to US Chase bank using phone number provided on a back of my card. I have no other ways to research other phone numbers ; I was in XXXX with no internet access. 
I reported to Customer Service that my card is n't working ; funds are not getting released to Rental Company. Customer service apologized for inconvenience and released the funds from my account this second time. 
These are all happens while I stay on a phone with XXXX Chase bank, calling from overseas. 
Few days later, I received a phone bill from XXXX XXXX XXXX with {$85.00} long distance charge. I wrote Chase. They refused to credit my account. 
Let me point out that I only make XXXX phone call to fix the problem with Chase card, the XXXX problem Chase did not solve when I ask them to. They mistake cost me time and money, not to mention extremely unpleasant situation at the rental office. 
This is not the first time it happens. I 've been in a lot of situation with Chase, when I could not trust information provided to me by Customer Service, incompetence is too high, so I have to call again and again to verify information they give me from the first time. 
This time it cost me additional {$85.00}, which I beleve should be coming from Chase funds, not mine. 
I did everything in my power to avoid charges. I refuse to cover Chase mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Consumer Loan (Installment loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (NC).
Issue: Managing the loan or lease

Complaint: this is my second car financed through nissan finance. i took a deferred payment in XXXX 2014. they never told me they were sending me any paperwork to sign, neither did they send any. XXXX/XXXX/14 - XXXX. XXXX, male rep - i got a call my payment was late. i informed the woman i had a deferment, which she acknowledged. she told me i had not signed the papers and sent them back. i informed her no paperwork was sent to my XXXX XXXX or physical address. at the time i was visiting my daughter in another state. i asked them to send the paperwork there and to note the account nothing was ever received. I phoned them weekly no paperwork came. i believe it was a couple of months later and only after i asked the female rep. to send them certified to me did they finally arrive. i signed them, copied them and mailed them. months later and after checking my credit report I noticed they marked me for a late payment. I called to be told I had a late payment in XXXX. I believe nissan has me late for XXXX, XXXX and XXXX. I have never paid any of my payments late. when I purchased my first car i sent a payment in and received a phone call my payment was late. this payment was sent certified. it arrived on time. I did this because i noticed they were posting my payments close to the end of the grace period. upon phoning nissan i informed them they are supposed to stamp and post the payments for the date the payments arrived. I was told by a male rep. they do not do that. that is when i started paying on line which cost me an additional XXXX. I sent a letter of complaint which nissan tried to justify their actions. later received a phone call from a female in the corp. office who returned my online fees and the money i spent to send it certified. I believe nissan is still posting payments whenever they want. I now payonline and am charged an additional XXXX when i get a chance i will send a payment certified again to see if they are posting it when it arrives or whenever they feel like it. I do not like this company. I am trying to get my credit back to a good standing so i can finance through my bank. their customer service is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have disputed the same information with another credit bureau and got a timely response and items deleted, however, this credit bureau has not responded even though I sent the request by certified mail and I have proof of receipt date XXXX days ago. This has caused me to be denied for credit, has prevented me from obtaining additional employment and has caused great strain on my health and well being.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (I do not know) with Alliance Data Card Services (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated daily calls for XXXX. I have told them numerous times they have the wrong number but they will not stop calling. Today XXXX/XXXX/XXXX they woke me up on Sunday morning at XXXX the one day I get to sleep in. This has to stop. I do not know a XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with TD BANK US HOLDING COMPANY (PR).
Issue: Received a loan you didn't apply for

Complaint: I received more than  XXXX  payday loans that I never applied for throug h TD Ba nk, in addition, I was charged overdraft fees because these payday loans companies at the same time that they were getting into my account they were non-stopping withdrawing money from my  TD Ban k account a nd TD B ank were charging me overdraft fees. All the cost me more than {$5000.00}  XXXX   XXXX . THIS IS NOT A DUPLICATE COMPLAINT SIN CE TD  BANK NEVER solved this matter. Re: XXXX  and  XXXX  for the already submitted bank summaries from my account w ith TD Bank . My  former address was :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , NJ  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with JPMORGAN CHASE & CO. (MT).
Issue: Transaction issue

Complaint: On XXXX I submitted a Reg E dispute to Chase on a transaction that I did not make on XXXX. I had visited the store in question and made a purchase, I had a receipt for that purchase that was also on my statement, but disputed a transaction from the same merchant for {$61.00}. I had only made one purchase at that merchant that day. On XXXX XXXX they sent me a copy of the receipt sent to them by the merchant, saying it was a valid transaction. It may have been valid, but the receipt did not have my name, my signature or even my card number on it. I returned it saying it was not authorized by me. Today on XXXX I received their dispute resolution saying it was a valid transactions and the dispute is resolved..to my detriment! There reasoning -- my card was n't lost or stolen. I did not sign for this transaction, the receipt clearly indicates it was n't even my card, but the charge was posted to my bill. I 'm at a loss as to what steps needs to be taken, I can not understand how I can be charged when they can not provide a receipt with any of my pertinent information on it. I work for a bank and am very familiar with Reg E, I think both the resolution and the length of time it took to come to the wrong conclusion are way outside the intent of the regulation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (AR).
Issue: Unauthorized transactions/trans. issues

Complaint: Account showing {$0.00} after a system glitch. I have spoke with XXXX representatives that claim the problem is being handled. It has yet to be resolved. I have a direct deposit that will hit tomorrow. There is no way to suspend the transaction. Rushcard is not giving me answers as to if I will have access to my money. Also you have to call XXXX times before someone answers. You call the number and it just continues to hang up. There are a lot of issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am attempting to obtain a mortgage loan, and noted in my credit report an item from IQ Data International ( IQDI ), a debt collection agency in XXXX, WA. Because I was unfamiliar with this item, I contacted IQDI, and was informed that the account listed on my credit report ( XXXX ) was not my account, and instead belongs to a XXXX XXXX ( a name which is very similar to my own ). Because time is of the essence, I requested that IQ Data International provide the credit bureau documentation stating that I do not owe this debt, so that the item could be cleared from my credit report. I was told that they were unwilling to provide such documentation because the mistake was made by the credit bureau, and not IQDI. In addition, the person that I spoke with was EXTREMELY discourteous - bordering on nasty. When I then contacted XXXX, I was informed that the mistake was in fact made by IQDI, and that my only recourse was to dispute the items and wait for IQDI to respond, which could take up to 30 days. I was hesitant to file a dispute, as my lender informed me that this was viewed negatively, and further, waiting 30 days could delay closing on a mortgage and jeopardize my ability to complete the purchase of a home. IQDI should be accountable for fixing mistakes, particularly when they admit that their own internal records show that they reported incorrect information to the credit bureau, and they should be accountable for providing documentation of a reporting error when such documentation is requested by a consumer.

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 06-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I applied for a citi " gold '' checking account and enrolled in an offering for XXXX XXXX XXXX miles upon completion of terms. I confirmed via chat message that I was enrolled, that I had met the terms, and that I would be receiving the miles " after XXXX ''. I subsequently incurred monthly fees on the account waiting and when I inquired XXXX and XXXX I was told citi would not be honoring the XXXX miles as I was not " targeted '', despite having enrolled online and having confirmed it via customer service representatives online that I would receive the miles.

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 07-02-2017 about Debt collection (Other debt) with The CMI Group, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on XXXX/XXXX/XXXX and that is untrue. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XXXX and and XXXX they would not listen or try to resolve. I do not or have I ever had a written signed agreement with this company, this company does not have an active license to collect debts in the state of Florida

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Reliable Credit Association, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I responded to a summons requesting verification of the auto being disposed of in a " commercially reasonable manner '' of which will be attached, and the outcome was set for trial XX/XX/XXXX The petitioner of the case : XXXX XXXX XXXX, for Reliable credit filed a request striking the trial date XX/XX/XXXX. To date, XXXX parties in this action are reporting to credit bureaus that i owe XXXX parties and this has caused damage to my credit when i tried to purchase a mobile home XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with NCC Business Services, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: My son ( XXXX ) fianc ( XXXX XXXX XXXX  ) and my self lived in a two bed room town house that we were renting. The bathroom leaked and we had a flood that went through the ceiling to the first floor the flood was serious and XXXX  from the bathroom went through the ceiling as well. Instead of them fixing the problem they just brought fans in and cut the ceiling out. That night we had to sleep at a family members house. They told us the next day that they fixed the problem so we came back but had a family friend who does work in that field expect the house due to my fianc being XXXX XXXX XXXX and my son having bad XXXX. He checked the house out and stated the house has a lot of mold due to the problem not being fixed they just patched it up. I spoke with the office and he told them the concerns and health hazards that could occur. My fiancs doctor told her it wasnt safe for her to stay in the house due to Mold. Again we slept at a family members house for them to try to fix the problem we came back and they just were making excuses of why it wasnt fixed. I gave them a two week notice due to it being a health hazard for my XXXX fianc and son and they stated they were in agreement and recently we got that place on our credit

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There is a hard inquiry from CBNA, which is apparently a Citibank thing, except no one at Citibank seems to have any idea who they are, why they made a hard inquiry when I did not apply for a credit card, or how to fix it. It was made on XXXX XXXX, 2016 according to XXXX XXXX, and I have no other information, received no paper documentation. It counts as a derogatory remark on my credit rating. I 'm trying to buy a home and I heed this removed as soon as possible. I would NEVER get a Citibank card, they are a terrible institution. I 've seen a lot of complaints against this CBNA thing on forums online. Please help me fix this, and why is n't anyone going after these frauds?

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 01/22/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is holding XXXX mortgage accounts on my credit report well over 10 years since they were paid in full. Evey time I try to dispute them they change the date reported to a new current date and tell me they now have to stay on my report another 10 years. This will make them over 20 years old. I have called both lenders and they tell me they no longer have records of these accounts and just report to Equifax that I did have these loans at XXXX time. This is the only credit bureau doing business this way and tell me it is their policy? I want these removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Payday loan () with loanDepot.com, LLC (MN).
Issue: Received a loan I didn't apply for

Complaint: A company named Loan Depot called me more than 8 times after I repeatedly told them to remove my information from their call database. I also indicated that they are harassing and terrorizing me. They allege I solicited s request for a loan and I never did. They are allegedly based in XXXX but the phone number I have on caller id is XXXX based XXXX. 
When asked for a central number they provided XXXX XXXX XXXX which goes to an operator. The customer care line at XXXX XXXX XXXX also goes to voicemail, where I am supposed to provide my phone number and name for them to contact me. I did not request any funding from them or the website they allege they got my information from, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I was not certain what category to choose, as the accounts on my credit are XXXX different ones. I have a collection and late payment on my report that are unverified and the bureaus have not conducted a proper investigation. If they had, this collection would have fallen off due to inability to validate, and the late payment would have come off as I was never late on this account. I am not receiving proper correspondence from the bureaus and at no time have I received proof of ownership for the collection account that is reporting on my credit file. My right to demand this is pursuant to section XXXX of the FCRA as well as XXXX where they must legally verify with proof of immediately remove. I continue to receive documentation stating that I must go straight to the creditor because this has been " verified '', when in fact, the bureaus have the responsibility of doing this and can not put the burden on me. See XXXX. If I have to, I will sue them, but if they did their job, they would see that this is inaccurate and must be removed. According to Congress, the bureaus MUST verify that the information on my report is accurate, and must go beyond the original source of information once I notify them that this is inaccurate. They have not done so, and I can prove that I have notified them multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with WELLS FARGO & COMPANY (NV).
Issue: Lost or stolen check

Complaint: Wells Fargo has 2 Cashiers Checks which were lost/stolen. Their Bank at XXXX XXXX XXXX  XXXX in XXXX, NV refused to cooperate to locate the funds as the Branch Manager asked me to leave the Branch and called building security. 

The check of {$1500.00} is serial number XXXX, Account XXXX payable XXXX to XXXX XXXX and {$7000.00} serial number XXXX, Account number XXXX issued XXXX payable to XXXX XXXX. 

The Bank needs to trace the funds to determine which Cashiers Checks are missing and re-issue them. 

The {$7000.00} Check is from the XXXX, NV Branch on XXXX XXXX. 

Both Branches have not re-issued the lost/stolen Checks. 

The accompanying checks were cashed by me and other checks were issued ; these are the checks lost/stolen.

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 12/27/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have tried to contact Equifax several times regarding this supposed debt and have requested immediate removal do to inaccuracy. I have sent Equifax dispute letters along with receipts that this bill was paid. In my letter I asked that Equifax reinvestigate this third party collection company XXXX. The first letter I sent to Equifax was on XXXX/XXXX/XXXX. In Response, to that letter I sent, I received a letter back from Equifax stating that this debt was verified. How? Equifax has yet to provide me with anyone who they have talked too or any supporting documentation that they actually verified this suppose debt. I paid this bill long before it ever went into a delinquent status. I sent Equifax another letter on XXXX/XXXX/XXXX disagreeing with their decision and in response to that letter Equifax responded stating that the acct will remain on my credit file but will be updated to an paid status. How is that possible? I have provided Equifax with more then enough proof stating the facts about this bill and that it was paid long before XXXX XXXX XXXX got involved so, why should this remain on my credit file?

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I own a company, XXXX XXXX XXXX. I had an employee steal my personal and business information. They opened accounts in my name and ruined my credit. I have brought civil action against XXXX XXXX & XXXX XXXX. I won my lawsuit. They were also charged criminally and convicted. I have attached my legal work and I ask immediately that these accounts listed below be removed from my credit report due to fraud. 

1 ) XXXX XXXX XXXX  CC Opened XX/XX/XXXX balance {$16000.00} ( Remove ) 2 ) XXXX XXXX Opened XX/XX/XXXX balance {$6000.00} ( Remove ) 3 ) XXXX Opened XX/XX/XXXX {$0.00} Balance ( Remove ) 4 ) XXXX Opened XX/XX/XXXX Balance {$32000.00} ( Remove ) 5 ) XXXX   Opened XX/XX/XXXX Balance {$4500.00} ( Remove ) 6 ) XXXX Opened XX/XX/XXXX Balance {$27000.00} ( Remove ) 7 ) XXXX XXXX XXXX ( Home Equity Line of Credit ) Opened XX/XX/XXXX {$320000.00} ( Remove ) 8 ) XXXX XXXX Bank XXXX XX/XX/XXXX {$0.00} Balance ( Remove Account was compromised by fraud because my bank account used to make payments was stolen ) 9 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2100.00} XXXX Remove Account ) 10 ) XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$99000.00} ( Remove Account ) 11 ) XXXX XXXX   Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 12 ) XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove Account ) 13 ) XXXX Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 14 ) Portfolio RC Opened XX/XX/XXXX {$3500.00} ( Remove Account ) 15 ) Sunrise Credit Service Collection Opened XX/XX/XXXX ( Remove this Account it is part of my civil suit ) 16 ) XXXX   XXXX Opened XX/XX/XXXX Balance {$6100.00} ( Remove this account ) 17 ) XXXX XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove this account ) 18 XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX ( Remove this 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