milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2017 about Bank account or service (Savings account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Account opening, closing, or management

Complaint: Citizens Bank after advising me repeatedly that they were closing my savings account due to them wanting to discontinue the business relationship ; has in fact unfairly, held my savings account funds and all the while they earn interest daily on my funds nightly that they are holding. Are they paying me any interest? What you think? 
They have not provided me with a firm date that they will release my money and after going inside to visit 2 or 3 area branches ; no manager, banking representative or online banking customer service rep can help me. 
I have made a formal complaint # XXXX with their " Office of the Chairman '' dept at Citizens Bank, however, it could take many days or weeks and I ( being a senior citizen ) need my money right now! 
Please force Citizens Bank to release my {$150.00} they have frozen in my savings account before I drag their name through the mud and XXXX, XXXX, the Internet via XXXX etc, social media, talk radio, blogs, my church community and every where else that I can. I will fast and pray and not eat until they are destroyed and are bought by some other bank which would be more sensitive to seniors

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Chase Bank decided to charge me {$12.00} per month for banking beginning in XX/XX/2016. Chase Bank claims I no longer have two direct deposits per month, which I do on the XXXX and XXXX via XXXX. However Chase Bank changed the way they conducts business with XXXX. XXXX payments are now routed through Chase Quickpay, which Chase Bank does not consider a direct deposit. Chase Bank is charging me to use Chase Quickpay. I did nothing to change my account. The depositer did nothing to change their method of transfer. Chase Bank changed the way they work with XXXX. I should not have to foot the bill for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Transunion indicates I have a late payment that supposedly occurred 5 months ago, but that is not true. I have disputed other credit reporting issues recently, and it was only after I did so that my credit score dropped dramatically for no apparent reason. I would like Transunion to provide proof as to which particular account ( accounts ) I paid late within the past 12 months.

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 03/23/2015 about Credit card () with DISCOVER BANK (MD).
Issue: Other

Complaint: I attempted to apply for a Discover Card Online. The system did a hard credit pull and then disconnected me from the application process. I called in and was told that another hard pull would need to be done to complete the application. I never agreed to any hard credit pulls in the process and called and advised them of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Credit Technologies, Inc. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I did not give consent to have my credit inquired upon by all of these companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Other

Complaint: I opened an account with Chase back in XX/XX/XXXX. The account slipped into collections over eight years ago, in XX/XX/XXXX. Despite the account being in collections for more than 7 years, Chase continues to report this debt on my credit report. They purposely keep changing the date of last activity on this account to continue reporting it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Application, originator, mortgage broker

Complaint: US Bank, in a continuing pattern of bad faith and harassment, sent me a letter dated XX/XX/XXXX regarding loan application # XXXX that claims THEY were denying my loan application based on an old tax lien ( based on a XX/XX/XXXX tax dispute with the IRS ) and high credit card balances when IN FACT, I withdrew the application back in XX/XX/XXXX of this year due to their bad faith and inability to process a simple loan request ( {$110000.00} ). They ultimately refunded my loan origination fee, the appraisal fee and refunded XXXX of additional money I agreed to pay the seller because US Bank failed to perform in a manner that did not risk the agreement I entered into with the seller to purchase a condominium. The decision to compensate me for their failure does not sound like they were denying me credit based on the shaky grounds they now claim. This recent letter is an attempt to change the truth about the history of the transaction and an attempt to make me ( the consumer ) the party at fault for the inability of US Bank to perform at a modicum of efficiency and in good faith with the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX/XXXX Inquiry from XX/XX/XXXX + Complete Dept. Stores XXXX XXXX XXXX Inquiry from XX/XX/XXXX +  Services, Not Elsewhere XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX , XXXX. 
Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX-XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 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: Their investigation did not fix an error on your report

Complaint: Credit bureau posted Non verified statement of public records even though they claimed they did verify. 

When I followed up with the court records clerk, to understand how this was possible, they informed me they could not confirm or deny anything on public records. 

So if the clerk of the court can not verify, then that means that the credit bureau verification process did NOT occur contrary to their statement that they certified it was correct. They lied. 

My understanding is that any other third parties are involved to verify or certify information, by law they need to get my explicit permission. No one has contacted me to get my authorization in regard to my information property which also indicated no verification or certification was done, or was even possible.

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. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was stolen as part of the Equifax hack that affected 143 million people, and wo n't provide credit monitoring without me signing an arbitration agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I CALLED AND SPOKE WITH A REPRESENTATIVE FROM XXXX XXXX XXXX, XXXX XXXX, AND XXXX TO DISCUSS THE ( XXXX ) 30 DAY LATE REPORTED TO THE ( XXXX ) CREDIT BUREAUS. I WAS OFFERED A PAY AND DELETE AFTER FULL BALANCE WAS PAID OFF FROM THE XXXX XXXX. XXXX STATED THEY WOULD TAKE CARE OF IT AFTER REVIEWING MY HISTORY OF SEVERAL YEARS IN GOOD STANDING. XXXX XXXX OFFERED TO DELETE AFTER EXPLAINING THE XXXX THAT CAUSED THE LATE. I CONTACTED BOTH COMPANIES AFTER PAYOFF AND THEY STATED THERE WERE NO NOTES OF ANY CONVERSATION AND DID NOT REMOVE NEGATIVE REPORTING.SEVERALH UNSUCCESSFUL DISPUTES WERE MADE THROUGHOUT THE YEARS. I REQUESTED INFORMATION OF CONTACT PERSONS THAT I PROVIDED WITH NAMES, DATES, AND TIMES I SPOKE TO EACH COMPANY REPRESENTATIVES. THE CREDIT BUREAU NEVER REPLIED WITH ANY RESPONSE TO THE CONTACT PERSON AND HAVE DISREGARDED ALL REQUESTS MADE CONCERNING MY ISSUES. I DO N'T THINK THE CREDIT BUREAUS INVESTIGATED THE CONTACTS THAT I PROVIDED. THEY INFORMED ME THEY DO NOT GIVE CONTACT NAMES TO CONSUMERS AND THEY WOULD SUBMIT THE DISPUTE INFORMATION ELECTRONICALLY. THE BUREAUS HAVE FAILED TO REMOVE OR DELETE THESE ACCOUNTS. PLEASE HELP ME IN CORRECTING THESE ISSUES.

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 05/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have contacted this company over a month ago in regards to this account however they are still reporting the account incorrectly as an OPEN account. This account is NOTE open and should be included in bankruptcy as a CLOSED ACCOUNT INCULDED IN BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Bank account or service (Checking account) with U.S. BANCORP (OH).
Issue: Account opening, closing, or management

Complaint: I open an account with US Bank XXXX 2016 they were offer an {$100.00} reward if you open an account have a direct depost they will give you {$50.00} and the other {$50.00} you will get once you pay a bill ..I set up direct deposit .. did not get the {$50.00} I paid a bill did not get that one either. So in XX/XX/XXXX my account became over draft and i do have that protection they charge me {$36.00} twice and then turn around and charge me {$25.00} twice so i call to see if we could resolve this and they told me that i have another {$25.00} dollars that will be charge on Monday I said I have my SSI check coming on XX/XX/XXXX in all I think that i have paid {$140.00}. dollars in over draft fees

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: As per the FCRA, I am requested the method you used to verify the accuracy of account, they did not disclose the method or send me any evidence of verification of the account they have on file. They ignored my request and just sent me a letter saying it has been verified.

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 05/23/2016 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Transworld System Inc is the record keeper for XXXX which is a trust, not a lender like some reps at XXXX XXXX XXXX claim ( XXXX ). I need all of the negative marks removed due to misinformation that XXXX gives. There are multiple complaints against XXXX due to misinformation given, there are over a hundred online as of today. Per XXXX state law, XXXX ca n't force auto debit down my throat, I have told them several times that I will never do that with them. Also per XXXX is considered to be a XXXX debt buyer which means they have to adhere to FDCPA and FCRA. XXXX is a XXXX trust that sells debt into investment vehicles and has to prove whether or not they still have the loans. I have not received any proof of this which I asked for several times. Transworld has send some of the debt to a collection agency, but it is illegal to collect on a debt without showing me where it is currently per an attorney I spoke with. XXXX is a fraud they have received several XXXX and XXXX complaints against them which Transworld is aware of. My credit is trashed due to XXXX and their lies. Transworld outsources to other firms to do their work, the way their system is set up is so confusing. On my credit report, it shows that XXXX is a credit grantor which is a lie. XXXX is a trust and XXXX is a servicer. Per the FDCPA and FCRA, all of the information given to the credit bureaus must be accurate. I want all of the negatives plus the loans removed from my credit, I have told XXXX that I am not interested in doing auto debit with them. I even sent them a letter along with the forms saying to stop sending that information to me. I just found that XXXX of the loans was sent to a collections law form even though I was told by XXXX XXXX that he would hold the loans. Transworld is well aware of the complaints because they can go online to find them. My credit is ruined because of the way Transworld does business and they are in the business of confusing people, I can be sued over this debt even though XXXX refused to give me all of the required information, they only sent a promissory note but no information showing anything about XXXX. Also, whenever XXXX send out any letters it only states XXXX on the letterhead and XXXX XXXX XXXX for the name of the loan, again no mention of XXXX which is required for all paperwork. XXXX is a sham based on the complaints I read against them plus they use scare tactics such as wage garnishment, in order for any company to garnish my wages against me on a private loan ; they have an active judgement against me in the state XXXX. My federal loans were in current status, therefore the scare tactics are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with CNG HOLDINGS INC (VA).
Issue: Problem when making payments

Complaint: I got a rent to own with a dryer and the company could not deliver it to my house. It has been a month and half and I still have n't received a refund for the cancellation of the lease of the product. The store closdd but the leasing company kept asking for more requirements and more and all we 're met. They have the return info to the store and keep giving me the run around for the refund and final cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an account, XXXX XXXX XXXX XXXX, being reported to all three credit bureaus under my name and this information is false information. Someone has gotten access to my personal information and has used that information to open this account. This account does not belong to me and needs to be removed from my credit report immediately. The balance on this account effective XX/XX/XXXX is {$150.00} and this account was opened XX/XX/XXXX. I have XXXX XXXX XXXX several times and have gotten no response. I have contacted all three credit bureaus and have gotten no response. 

There is an account error with XXXX XXXX XXXX that is falsely showing on my credit reports. This was never a part of my bankruptcy and was never one of my accounts. The credit bureaus shoe that there is no data. The reason there is no data is because the account is false information. I have contacted XXXX XXXX XXXX several times and have gotten no response. I have also contact all three credit bureaus and have gotten no response. I would like this account removed immediately.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to Equifax 's website, my information, including SSN, DoB, Address, etc., were stolen from the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Payday loan () with ACE CASH EXPRESS, INC. (CA).
Issue: Applied for loan/did not receive money

Complaint: My checking account number is not hidden nor encrypted on the lender 's website. I requested to have the account that I created with them to be deactivated. The internet support operations said they can not and I should be assured my information is protected. My information is not protected. I want my checking account number hidden, can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NY).
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: I ask for Validation from chase bank because they are reporting a account i am not sure of i was sent a letter stating Account info rmation is not available? i also asked   XXXX   to verify and I would Like Proof As per Sec 605, 609, and 623  no proof was every provided but replied back that Chase Bank  Verified  account and updated it on  XXXX   XXXX ,  2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian is reporting a tax lien with incorrect information. I 've called and sent in requests for information to be removed with no help. They continue to report inaccurate information which has hurt my personal life moving forward. I have been denied credit and or rental requests due to this inaccurate information. They need to reveal the verification they 've done or remove asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: 1. Payments made to NationStar in excess of the monthly mortgage amount have incorrectly gone toward interest, rather than 'principal only '. This occurred in XXXX and XXXX, XXXX. I was assured each time that amounts above the monthly payment would be applied to principal. These had later been reversed until XXXX, XXXX. I advised NationStar, in advance, of a large, principal only paydown ( set for XXXX/XXXX/XXXX ). This was incorrectly applied on XXXX/XXXX/XXXX. The reversal was not applied until XXXX/XXXX/XXXX. 
2. I desire an independent audit of the loan history since the XXXX transfer from XXXX XXXX XXXX to ensure that the current balance due is correct. My intent is to verify the payoff balance and transfer the balance to another lender via a HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Credit card debt) with Alliance Data Card Services (TX).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Caller ID showed Unknown, I answered the call at XXXX XXXX  on XXXX XXXX, 2018. A woman calling from XXXX XXXX. This is regarding my XXXX XXXX XXXX and I am aware of the delinquency, have made a partial payment. Past due is LESS than 30 days.

Company response to consumer: Closed with non-monetary relief