milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Chase discriminates applicants from XXXX. I have applied a year ago to XXXX cc and having score close to the max possible i was declined because chase felt I opened too many cc in last 2 years. I asked how many considers too many and was told it is based on each independent case. I did not open ... I replaced existing ones. My attempt to clarify or point to the fact for last 21 living in the USA I had not been late even ones did not yield any positive resolution. In early XX/XX/2018 I  referred my mother to chase freedom. She got a call from fraud dept early morning that woke her up. She is almost XXXX with barely no XXXX and XXXX XXXX. I live in XXXX XXXX and she is in XXXX XXXX so I can't help her. I don't know what the conversation was about but the fraud dept did not like her answers and did not offer her XXXX translator. She got letter in the mail to call the fraud dept. I called today as she came visiting me in XXXX XXXX. Was told mom 's application expired. I asked why she wasn't offered a XXXX translator but got lied back that she was. No she did not. I want DA follow up as I feel chase deliberately filter XXXX applicants. BTW chase we all used to have checking accounts with with the same address.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (VA).
Issue: Money was not available when promised

Complaint: I specialize in XXXX, XXXX, XXXX etc. I have a few clients that pay with electronics which in turn I sell as I get them on ebay. I have quite a few that came in over the holiday and Paypal decided to lock my account without warning. They stated that it was a high risk account and it was linked to another account that they have not released to me. I have reached out to them as of Sunday XX/XX/2017 @ XXXX with no resolved. My money is being withheld for 180 days. I attempted to reason with them and I got nothing. The call ended with a supervisor by the name of XXXX ( male ). He advised that I write a letter to their corporate office.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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: 1. On XX/XX/XXXX, I pulled my free annual credit report from EQUIFAX ( Confirmation # : XXXX ) and noticed a collections account for a debt I did not owe from XXXX ( XXXX XXXX XXXX XXXX XXXX ). 2. On XX/XX/XXXX, I sent a certified letter to the name and address listed on my Equifax credit report, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, OK XXXX, stating that I disputed this debt and that it was not owed by me. 3. On XX/XX/XXXX, this certified letter to XXXX XXXX XXXX XXXX XXXX was returned to me and marked " Return to Sender. Not Deliverable as Addressed. Unable to Forward. '' 4. On XX/XX/XXXX, I sent a certified letter to EQUIFAX INFORMATION SERVICES, LLC, XXXX XXXX XXXX, XXXX, GA XXXX, stating " This letter was returned to me by the post office stating it was not deliverable as addressed and no forwarding address was left. Thus, the address listed on my credit report for this creditor is not accurate. I am requesting you to immediately remove this account from my credit report for inaccurate reporting. '' 5. On XX/XX/XXXX, Equifax responded to my later stating " they have verified this item belongs to me. '' I 'm not sure how since the address is inaccurate, not deliverable and I have no recourse to contact this alleged account to dispute the inaccuracy of this information on my credit report. 6. Under the Fair Credit Reporting Act ( FRCA ), EQUIFAX has a duty under the law to remove negative information from my credit report if it is inaccurate. I have proven this account has reported an inaccurate contact address ( as my certified letter disputing the account was returned to me by the post office as not deliverable ). Therefore, under the law, it should be deleted from my credit report. 7. To date, this negative account with an inaccurate reported contact address information remains on my credit report when it should be deleted under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: In accessing business accounts via internet the Monday morning there is record showing the account holder having logged-in right after XXXX, Sunday morning ( ~ 32 hours earlier ). NO money had been moved out of the accounts. 
Only one PC is used for online banking, no mobile devices, no accounting/financial software interacts with online banking, and only one user with access. Log-ons are registered by user, and the likely reason that this " unfamiliar '' log-on was noticed - and which has never occurred before. 
Go to the local branch office, and they contact their online banking and fraud depts.. This is the first time it is confirmed that we did indeed not log in ( i.e., our profile had not been used for the log-on ), but it was recommended that all accounts be closed and new ones opened. More than an inconvenience in itself, but my problems start when I insist that I want to know more about the log-on. Why treat symptoms when the cause of the ailment is unknown. 
Among the many bank representatives I have spoken to over the last two weeks I have repeatedly been told that this was caused by mobile apps or bank system updates or financial software logins, but incidentally, more than one of these reps. have happened to mention that they do not see the particular log-on from their side of the system?? This I would have thought would ring alarm bells with a bank, especially when I am sitting with proof ( a screenshot ) that shows their own system having made an entry on our account profile that tells us that the user logged into the accounts/ account profile at this particular time. The screen shot was initially shown to the branch rep. who initiated the closure of the accounts, and it was later forwarded to the bank 's online-banking dept. ( attention one named person ). 

Why do I pursue this? Simply because I do not know what the log-in event represents so why set up new accounts, and with the bank not being able to even see the log-on event, they are in no position to explain it ( yeah, right ). The owner of the system is clearly in a position to tell what triggered a log-on message to be left in the account profiled. But, I am expected to accept that they will not explain what happened ; I shall just remain ignorant and set up new accounts - and blindly trust the bank in spite of this event? 
A system update event has been provided as the most common explanation by the reps., but not one rep. has confirmed that they are being overrun by customers calling because they all have found log-on events because of a system update.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have signed up with XXXX XXXX XXXX due to financial hardship. One creditor has called my job twice for me and was told that we not accept personal calls and to please not call back. Same creditor called my wife at work and she told them the same thing. Since XX/XX/XXXX this creditor has called my cell phone 14 times. I spoke with XXXX and they faxed a notice of harassment document to them due to them calling my job. I am not sure anything can be done but I use my cell phone for my job and I ca n't have it ringing while I am at work.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ASTA FUNDING INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I first like to refer to case number : XXXX and Related Case Number : XXXX Wherein Palisades Collection LLC responded to my initial complaint filed through CFPB in XX/XX/XXXX by stating the following : " In the spirit of goodwill, Palisades Collection , L.L.C. will close the account as well and no further contact or collection efforts will be made. The account will not be sold. '' However, today XX/XX/XXXX I received two new collection notices from Palisades Collection, LLC one for {$2500.00} and another {$6800.00}. 

Palisades Collections LLC, knows full well that 1 ) this debt is not associated to me personally, is 2 ) long past the statute of limitations for collections, have 3 ) been notified already by my attorney in XX/XX/XXXX to cease and desist ALL communications and debt collections from me, and 4 ) the above quote from the most recent complaint filed in XX/XX/XXXX - wherein they promise categorically to cease and desist attempting collection. 

Therefore, I intend to file a mail fraud complaint against Palisades Collection, LLC for attempting to collect on a debt that they have already acknowledged is neither mine, nor collectible, and for which they have agreed in writing to " close the account as well and no further contact or collection efforts will be made. The account will not be sold. '' If I do not receive a satisfactory response from them through your offices to fully and forever cease and desist from attempting to communicate ( or to sell this bogus debt ) for collection, I intend to file with the State District Attorney in California and further to file charges with Federal authorities for Mail Fraud ( 18 U.S.C. Section 1341 ). 

Thank you in advance for contacting them again for something that was supposed to have been resolved four years ago. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: NELNET - Using false dates to gain money- to say that I did n't re-apply for an income based repayment ( I have proof that I submitted 3 times all nearly a month prior ) Also using Gross Income ( not AGI ) to form their IBR repayments

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other

Complaint: I spoke to a rep at Bank of America in XXXX and was told, because I had a complaint opened with an executive services department and was waiting for a resolution, I was unsure how much my monthly payment should be. I was advised of the amount to pay, paid it, then received a mark on my credit report showing a late payment for XX/XX/XXXX. After attempting to correct this with multiple representatives, I was put in contact with someone new from their exective office who sent me a letter, in registered mail, that basically said, as per the law, they were required to report me as late in XXXX.. Case closed. This is UNACCEPTABLE

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 11/19/2017 about Student loan (Private student loan) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: This is my second complaint against my loan service, being made one week after I filed the last. 

I have been harassed with phone calls for over a month, being prompted with inaccurate billing information. Today, the representative who contacted me uncovered even more issues with how this has been handled. 

On XX/XX/XXXX I made what I believe was my final payment, only to be later called asking for {$110.00} dollars, and upon investigation the account shows only a {$4.00} balance. However that is from a late fee processed before requesting a final payoff amount. Every call since has requested the {$110.00} still despite being inaccurate. 

Today the service representative shocked by my situation, found that the late fee they have stated I owe was itself improperly processed and in fact I have overpaid my account and should have been issued a refund of {$0.00}. 

So I have received many calls, prompting me to pay {$110.00} when my balance was only {$4.00}, which I was told would be addressed. Only to find out from the 13th person I have spoken to about this, that not only was the {$4.00} mistaken, that it was improperly processed on my account and that I have in fact overpaid. Worst of all, none of the other reviews I have requested where ever actually targeted towards disputing that fee. 

This has been grossly mishandled, to the point that the rep I spoke with today agreed this all has been " highly inappropriate '', and has only now after a dozen calls actually assisted me in filing to have it properly disputed. Apparently every other representatives assuring remarks ( save for one supervisors condescension ) have been hollow as none of them actually investigated my account to uncover the extent that it was mismanaged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am requesting the removal of  XXXX  Bankruptcy ( below ) on my  XXXX ,   XXXX   and Experian credit repo rt ( s )  due to Civil Case No.  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , v.   XXXX    XXXX   XXXX   XXXX   XXXX ,  I  did not know the source of their information on the Bankruptcy and due to this, the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ). Please remove the judgment and lien as soon as possible.     Bankruptcy Ref. #  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 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been charged by property management ( XXXX ) for leaving apartment filthy however have photos and dated videos showing proof that I did n't. The management was notified and I was told that I was wrong and charges will stay, because this is how they do business and they always get paid. After 7 attempts of settling what was actually owed. I was informed debt was being turned over to collections because they always get their money. I contacted the collection agency Hunter warfeild in writing informing them the debt was not valid. They said they will investigate and notify me. This never happened and now this illegal and trumped up charge is on my credit report. Would love the chance in court to prove my innocence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: APR or interest rate

Complaint: I have used Chase Credit Card check for 3 % interest last year. I remember that I need to pay in full in XXXX, 2016. So I paid in full much early than due date Chase specified. But I still being charged for interest {$96.00} at interest rate 15.49 %. I am a very careful small business person. But I have still been tricked by these Cunning bankers. Banks and their politicians would like to get rid of CFPB so that they can suck our blood dry, these Greedy bunch. No wonder, American Peoples hate them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Debt Buyer XXXX XXXX reported on my credit as a new open account opened XX/XX/XXXX and negative reported XX/XX/XXXX. Called and they stated it was for XXXX XXXX, an account I never had, refused to provide contract - stated opened XX/XX/XXXX not XX/XX/XXXX - faxed letter of dispute refused to open, they are a debt buyer not the original creditor illegally reporting on my CBR for an account beyond the Statute of Limitations that does n't even belong to me

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Advanced Resolution Services Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I was advised that when applying for a XXXX XXXX credit card product, a business, " ARS, '' would produce a report that would be used in determining my qualification for an extension of credit. Using the Internet search engines XXXX and XXXX I 've been able to find suggestions that the full business name is " Advanced Resolution Services , Inc. '' operating within the state of Ohio, and I 've seen suggestions that this is a subsidiary of the XXXX card-processing company. I looked up that business name with the Ohio Secretary of State and can not find a lawful business record of incorporation with that state. I 'm unable to find any additional contact information for this business. Other individuals have suggested that the business deliberately avoids consumer contact to mitigate their regulatory burden -- that is, they make it intentionally difficult for consumers to request a copy of their credit report to avoid the costs of such creations. There is no website for this company, and I ca n't find any way of contacting them by phone to request a copy of my report or information on how to do so. As a consumer, I feel this is unethical, unfair, and possibly in violation of American consumer financial protections.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Student loan (Federal student loan servicing) with Allied Interstate LLC (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My student loan has defaulted and gone to a collection agency : Allied Interstate. I received a statement from said collection agency on XXXX/XXXX/2016 stating that my balance was {$11000.00}. Three days later, I received a statement from the Federal Offset Unit stating that my tax return had been offset in the amount {$9800.00}, with the amount of {$9600.00} going to XXXX XXXX XXXX, the creditor, for payment on the balance of that loan. I just received a statement today, XXXX/XXXX/16, from Allied Interstate with a new balance of {$7900.00}. According to them, only {$3400.00} of my offset went towards the balance. I called Allied Interstate to ask where the rest of the money went, and a representative told me that there were possibly collection fees and interest, but he could n't tell me how much and he could n't provide me a written statement. He then gave me the number to contact the creditor for any further inquires. I then contacted XXXX XXXX XXXX and requested the balance. A representative told me that my balance was {$77.00}, and that amount was all that I was required to pay. They are sending me a statement with the payment and balance as proof. If I had not contacted them, Allied Interstate would have proceeded with garnishing my wages at XXXX % for a debt that they could not verify.

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Southwest Credit Systems, L.P. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX and Southwest Credit still report account XXXX XXXX despite identity theft report file with XXXX XXXX Sheriff 's Department report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Todays date : XX/XX/XXXX Dear To Whom It May Concern : TransUnion XXXX XXXX, CA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, GA XXXX I recently pulled a copy of my credit report and found that you are reporting the following account on my credit report that should be removed immediately. At one time I was an " Authorized User '', however, I requested to be removed as an authorized user a very long time ago. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$19000.00} REV {$14000.00} MIN {$290.00} {$0.00} XXXX AS AGREED XXXX AUTHORIZED USER XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4500.00} REV {$2200.00} MIN {$64.00} {$0.00} XXXX AS AGREED XXXX AUTHORIZED USER Per the Fair Credit Reporting Act, if I am not a joint owner, or co-signer of an account it should not be reported on my credit profile. I am requesting that you contact the creditor to confirm that I am not an owner of this account and that I am no longer an authorized user, and remove it from my report as soon as possible. 
I look forward to receiving a copy of my corrected credit report. 
Thank you for your help. 

Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL 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 non-monetary relief