milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a business credit card from XXXX XXXX. I also have a checking account with XXXX XXXX. Both are linked together and under one name. My credit card I obtained with promotion of 0 % until XX/XX/XXXX. In XX/XX/XXXX I moved. I went to the local XXXX XXXX in XXXX, CA ( same branch i opened checking account ) and changed my address to my new address. As XX/XX/XXXX rolled around and I didnt receive my credit card statement like i typically do, i called XXXX credit card and asked where my statement was. Apparently, they never changed the address. I changed it again by phone and paid my monthly bill. I was charged a late fee which was later removed. 

In XX/XX/XXXX, my XXXX XXXX account checking account was fraudulently attacked and all my money was stolen from my account. All my checks bounced. I reported the fraud and XXXX XXXX did investigation and reimbursed the money in my account. One of the checks that bounced was for my XXXX credit card. I called them immediately and told them what happened. I also made the payment once my money was returned to my account. I had no money to pay any of my bills. 

My statement for XXXX credit card came for XX/XX/XXXX with 30 % interest! I called them and they said that due to my 2 late payments they removed me from the promotion. I explained to them what happened and that the late payments were not my fault and technically shouldnt be considered late payments but they said there is nothing they can do! 

I feel like these credit cards take advantage of people, especially seniors like myself. They dont understand that not everyone is online savvy. Im old school. I went to my local bank to change address, I thought that was enough. I also was a victim of theft and fraud and they are punishing me with 30 % interest! I cant afford to make payments like that. I was planning to payoff the amount with 0 % until XX/XX/XXXX and not have any interest rate.

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 01-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: report number XXXX Equifax changed my name to a former married name. 

My name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am in the process of trying to obtain a mortgage and reviewed my credit report for inaccuracies. I sent the below certified letter to the company after I received no response to my first two certified letters to dispute the account : " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on X/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required time-frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: This number ( XXXX ) XXXX has called me at least 15 times within the last month about a debt my sister has. I told them that I do n't talk to her and to stop calling but they continue to call. I blocked their number but they still call using unknown number. They just recently called me today, X/X/18/, at XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WV).
Issue: Balance transfer

Complaint: card acct was activated w/o consent

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 01-07-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This account was opened XX/XX/XXXX. I have n't had them in well over 7 years. I keep disputing it Experian is indicating I can not reinvestigate. This account keeps getting re-aged. Report shows opened in XX/XX/XXXX with history for only XX/XX/XXXX and XX/XX/XXXX as failed to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: AFTER I fully paid off the card they charged me XXXX dollars twice and then returned the money after delay. After I turned off the XXXX which was previously in place, they issued a check that was never cashed by me and apparently also issued credit? Then they charged interest and penalties on the 'so called debt. After the card was fully repaid they should have ceased taking automatic payments and they never advised me my account was past due based on a check I never even cashed. This business practice is a former of unethical stealing and threatened my otherwise stellar credit since they claimed they could not inform me via email since they did n't have permission to give it to me without some additional consent to let me know I was 'late '.

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 11/20/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I had a business account with Chase Bank for 6 years. The risk department at Chase Bank froze my account and closed it. When they closed the account I had an ending balance of {$1500.00}. They told me that this amount will be mailed to me in 30 days. I never received the check so i gave them a call about it after about a month. When i spoke to someone the first thing they told me that it was mailed but they did n't have a check that was cashed then they went on to tell me that there was a balance but they were holding it just in case any checks were returned. i called back in 6 months and they told me the same thing. They refused to give me the {$1500.00}. I called again today ( XX/XX/2017 ) and they still refused to mail me the balance of {$1500.00}. it has been 13 months now and they still will not return my balance of {$1500.00}. If a check was going to be returned it would have by now. It does not take 13 months. I need ending balance returned.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Around XX/XX/XXXX! My account has been closed! Because my girlfriend write me a check about {$10000.00}! Befor I deposit I did not tell her! I m gon na deposit right now! I think. Bank call her said do you wirte check for anyone deposit! She said no! We are missed communication! So bank reject my deposit! And my bank had closed by chase! On XX/XX/XXXX I try to reopen a new account at chase! After 2 days my account been closed! I really like chase bank I wan na know how can I reopen!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The item with XXXX XXXX was deleted from my XXXX credit report on XXXX/XXXX/XXXX and it was re-inserted back on my credit on XXXX/XXXX/XXXX. There was no reinsertion notification as required by law. 

XXXX, Experian and XXXX FAILED to notate on my credit report that this item was in dispute per the FCRA. 

I 've been dealing with this issue for 2 years now and they reinserted the item back on my credit without notifying me within 5 days. 

They are in violation of the FCRA on the following counts : 1 ) Neither Experian, XXXX nor XXXX, notated the item in dispute. Still current report is not notated. 
2 ) XXXX deleted item and reinserted back on my credit. 
3 ) XXXX did not notify me within 5 days nor did they send me any information at ANY time informing me of the reinsertion. 
4 ) XXXX failed to cease collection activity On XXXX/XXXX/XXXX Experian was in receipt of my certified dispute tracking # XXXX and they too failed to notate that the item was in dispute per my report dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

My current report dated XXXX/XXXX/XXXX has no comments stating that the item is in dispute. Still after 2 years of my Validation request that they received on XXXX/XXXX/XXXX they NEVER notated that this item was in dispute. 

My last attempt to get this resolved was a certified letter tracking # XXXX sent to XXXX on XXXX/XXXX/XXXX informing them of the violations. 

I am asking Consumer Financial Protection to help me get this resolved, it 's been 2 years that I 've been dealing with this. My last resort would be to contact an attorney and file a lawsuit for all of their procedure violations. I hope it does n't come to that. All of this over a {$47.00} collection that was previously deleted. This item is the only blemish on my credit report. 

This company clearly has no regard for following ANY of the FCRA/FDCA consumer laws. 

Attached documents include copies of several of my credit reports where both Experian and XXXX failed to notate the item in dispute. There has been no statements made on my credit reports over the past 2 years that this item has been in dispute.

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 08-12-2015 about Debt collection (Credit card) with URS Holding, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I allowed a relative to use a XXXX XXXX credit card which was referred to United Recovery Systems for collection after it became past due. Arrangements for payment were made by my brother with XXXX XXXX to pay the $ XXXX balance. He has followed through with the arrangements made and is actually ahead of schedule on the payment plan but she continues to call me requesting that he pay more. Since he is current on the payment plan, I do n't feel that it is necessary for her to continue calling me at least XXXX a week.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: 4 TIMES I TRY TO DISPUT WITH XXXX XXXX, EQUIFAX AND XXXX WITH NOT RESUTLS.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Along with this, they have sent various letters after making online payments stating that the bank has denied the payment and returned it. I check my bank account various times during the day and not once has it showed a return payment or any type of nsf fee charges due to such. I talked to Midland credit about this and the response was that the letter is automatically generated due to not having recurring payments set up in order to pay the account.They have also stated that if not paid they would take it to court, I have tried to settle the debt, I agreed to go online by the end of month and pay XXXX each month.

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 06/16/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello, I have attached an Excel sheet of my credit report with a color code, the yellows are inquires are made but not by me or even my permission, I suspect an identity theft. it seam to me that somebody want to issue a credit card under my name or buy some thing under my name or they might sent these bills to the old address which i moved since thtee years and I undated my new address by phone or online. 
The red coded color:1- XXXX , they never sent me a bill, statement or email to notify me that i owe them money, they reported me without contacting me, However, I went online to check if I owe them and paid my bills. 
2 XXXX company they were sending there statement to the wrong account I called them and inform them that you are trying to draw the payment from the closed account please change the account to another one and I gave them the account number, they never bother to contact me when the first payment came back to fix the issue, but they ran fast to hit my credit. I am current with them. 
3- XXXX XXXX XXXX they never contacted me or emailed me, but because I knew I bought something from them and longed online and paid my bill, three months after I paid my bill they called me and told me that you have a balance of late charges which i am not aware of, I tried to explain what happened, but they insist that I have to pay these late fees which accrued because of their fault. 
4- XXXX XXXX XXXX : I filled the application in the store and filled my correct address, but I do n't know how they were sending my bill to the old address, they called me and discussed the issue and solved and I paid the the amount due at the same time. 
I do n't know why they reported me as a delinquent5- the new employment - XXXX XXXX , who I work for them, I contacted them and asked them, they told me we never ran your credit report and we do n't have the right to do without your permission .. 
please help me out to take all the highlighted items with yellow and red to improve my score. 
your help is much appreciatedXXXX XXXXPhone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (IN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX XXXX, who represents XXXX XXXX XXXX, has called my mother and work several times within the past week to collect on a debt. I understand that some of the debt is mine, however, I have disputed charges on one payment. My co-worker had explained that XXXX XXXX, at extension XXXX, was rude. Also, a XXXX called and was rude. They are harassing and threatening to call more if payments are n't made. I was forced to make a payment today. I paid the minimum, however, they pressured me to make a higher payment. Please look into this. The number they are calling from is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017 I called XXXX to inquire about the process to add an additional card holder to my account. I inquired about if there would be a hard inquiry placed on my credit report by adding another cardholder. I asked this question by phone, as well as by Online Chat agent. Both representatives told me that XXXX does not run credit checks when adding an additional card holder. I explained to both representatives that I would not be willing to add anyone as an additional card holder if it would affect my credit and/or credit score. I was assured by both representatives that there would be absolutely no impact to my credit file. After hearing this, I proceeded with completing an application to add an additional member to my card account. Two days later, I received a credit monitoring alert that my credit file had been accessed by XXXX. When I called XXXX to inquire why they would pull my credit report without my authorization, they explained to me that the XXXX  representatives had failed to communicate the possibility of pulling my credit report due to a Fraud alert being on my file. This made no sense to me. XXXX representatives ( a total of 6 ) apologizes for the miscommunication but said I would have to contact Experian to get it removed. Experian informed me that only XXXX could request it be removed. XXXX intentionally deceived and pulled my credit report and decreased my credit score-all WITHOUT MY KNOWLEDGE OR CONSENT. XXXX also refused to correct their mistake. XXXX tried to offer me ANOTHER credit card to rectify the situation in which I told them I would not accept as adding an additional credit card would hurt my credit file even more. As a result I will be closing my accounts and also sharing my experience on social media so no one else is deceived.

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 12/18/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed and given proof of payment and that date was wrong at least 20 times and they take it off and then put it back on thru XXXX, XXXX and XXXX all XXXX at XXXX time even that they have the copies of payments showing paid and copy of class action suit that XXXX XXXX XXXX lost for charges over charged. And letter from California TRADE COMMISION AS WELL AS CA. UTILITIES COMMISION TO TAKE THIS OFF MY RECORD. 
That Equifax has reported the wrong dates of the original dates that XXXX XXXX XXXX was opened and closed over and over and refuses to go by original creditor Dates opened and closed THAT EQUIFAX HAS PUT A 7 YEAR FRAUD ALERT ON MY CREDIT REPORT AND HAVE MAILED THEM FAXED THEM AND FILED A REPORT FOR THEM TO TAKE OFF Fraud Alert and have refused to date. 
That Equifax Has cost me many problems Financially and mentally as well as going to be homeless from there wrong doings and cost of there abuse and not reporting information correctly and re reporting information they no is not true and or correct. 
Equifax Has refused to put all my accounts on record or the correct credit limit of XXXX on my credit cards. 
Equifax has cost me new credit and cost me many credit inquiries from there false record reporting

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I XXXX arrived to XXXX XXXX location XX/XX/2016. I inquired about and car on your lot. Before, coming to XXXX XXXX, I XXXX had previously inquired with another company that provided me funding. I provided this document to the sales man as well XXXX XXXX financing department. Letting them know that they did n't have to check my personal credit to provide me with funding. With that being said, organization funding was/is equivalent to paying cash. XXXX XXXX financing department called the organization to verify this information was true. Any personal information that was received for me we so the vehicle could be placed in name if I decided to buy, an as well as for me to test Drive the car. This was known an repeated by the much older salesmen I have contacted this company more then two time in regards to this and it seem as if the company will not respond. My next steps would be to get a police report written something do n't t want to have to do. Also with in 30 days the company didnt send me any responding letter to the address.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Medical debt) with Focused Recovery Solutions, Inc. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, I sent Focused Recovery a " Validation of Debt letter that my attorney gave to me. I would like to see the proof that I actually owe these debts as the credit report shows the original creditor to be named only as " Medical ''. I have no idea who " Medical '' is. I also don't recognize having accounts with those balances. I also don't recognize the date of services that the credit bureau shows for these accounts. There are so many things that are confusing about this. 

Account # XXXX {$330.00} and Account # XXXX {$1000.00} What my attorney has told me is that this is not a legitimate debt. So I re-sent the request to validate the debt, and they refused to respond. I don't understand why they did that. I am very concerned about my rights being violated and am going to pursue all legal action to get justice.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: 2 weeks ago I called Equifax to discuss the fact that there were multiple inquiries on my credit report that was previously deleted. I had no knowledge nor did I authorize these inquiries. The operator that I spoke to ( XXXX ) walked me through each one and informed me that he was deleting them while we were talking. I assumed based on what he said that in fact this was taking place. I checked my report today and those inquiries have not been removed. They are still reflected on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax through not protecting my private information caused the leak of my ssn, name, and DOB. I feel this company jeopardized my future and should be shut down.

Company response to consumer: Closed with explanation