milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2017 about Credit reporting () with Allied Interstate LLC (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Call the let them know this was a mistake and i have turn in the equipment ans send prof and the refuse to respond Still saying i did not i sent them and dish even i send them prof of me getting charge

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 02/28/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Shopping for a loan or lease

Complaint: Santander Consumer USA made an unauthorized inquiry to experian on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: it take me 2 years to get my credit up to score XXXX trans union bring down to XXXX i call trans union and talk to one of person and tell them about my credit report my credit score when down to XXXX and i tell them you guys putting inaccurate information on my credit report it took them 2 weeks bring my credit score XXXX on XX/XX/XXXX i check my credit score they bring it down to XXXX again last i tell them i am going to the sue trans union putting wrong information on my credit report now i want them to bring my credit score back to XXXX or i will take some kind action

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 01/18/2018 about Debt collection (Medical debt) with Medical Business Bureau (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: filed a complaint via BBB on XXXX/XXXX/XXXX compang replied that they would be providing validation of debt on XXXX/XXXX/XXXX but as of today XXXX/XXXX/XXXX nothing has been received and collection is still on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have encountered fees when I have purchased items from certain vendors. Such as XXXX XXXX or XXXX. I make the purchase with fees in my account. The account debits the amount. Later, Citizens does not withdraw the amount. FOR WHATEVER REASON. I guess this is the part where they are going to make their money. They put the money back into my account showing I have more funds than I actually have. Online, it shows that I have the extra amount in my account. Again, what is the purpose of having online banking if the amounts are not true? I may have spent the extra cash but my account reflects online that I am able to deposit the money into my account at a later date to avoid fees. Why do you have this system in place saying if you deposit by 10 you wo n't get a fee? Next time I will take screen shots of how this took place. Better yet I will find a new bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Submitted a short sale package to Loan Care via Fax XXXX & email at XXXX on 3 occasion since XX/XX/2016 with confirmation transmittal received. I have follow up on several occasions only to be told that they did not received it and asked that I send again. When I call to follow up and I give the confirmation number, they hung up and not the system. Its been over a month trying to get the right caring person on the phone. Final after an hour of hang ups, I was able to reach XXXX, Agent ID XXXX, and he was able to verify that I had called and also requested an expedite on this HAFA short sale, and that XXXX did received my " FULL '' short sale package and he was not sure why no one entered it into the system to be assigned. XXXX not a good company and should not be servicing loans ... and they needs to be accountable just as the likes of XXXX, XXXX and others. I need you help in getting the lender to do its job and would like them to expedite this short sale since they dropped the ball. Customer Service in Loss Mitigation is no-existent. Please help ...

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 10/13/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX closed account over 7 years old. 
Need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage loan to comply with a divorce settlement to remove husband from the deed of trust in which I had to buy him out. Wells Fargo set this up as a refinance with my ex-husband 's name on the mortgage and deed of trust even though I specifically told them it was for my name only and gave them a copy of the signed separation agreement. At closing ex-husband 's name was still on the documents. I was told at closing that I had to sign as is in order to get the interest rate and avoid other penalties. I lined through ex-husband 's name in order to get through the closing. Please see attached for timeline of events.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I tried to apply for a loan online. I was redirected to XXXX to get my credit score. 
It was supposed to have been a {$1.00} charge to receive the credit score and NO additional charge if the trial membership was cancelled. 
When I was unable to get my score, I called the SAME DAY ( XXXX XXXX,2015 ) and cancelled my membership. 
A {$1.00} fee was charged to my account, from both XXXX and Transunion on XXXX XXXX. 
HOWEVER, on XXXX XXXX additional fees of {$29.00} from XXXX and {$17.00} from Transunion were chargedto my account, even though the membership had been CANCELLED a week earlier. 
Since these additional unexpected charges caused an overdraft on my account, I am also being charged {$36.00} PER DAY for overdraft fees. 
XXXX has agreed to eventually refund the original {$29.00} plus {$1.00} fees but not any of the overdraft charges. 
Transunion is REFUSING to issue any kind of refund. 
PLEASE HELP!!!!!!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I am a victim of identity theft. I have previously notified Chase Bank of the identity theft via the Consumer Financial Protection Bureau and have now contacted an attorney, XXXX XXXX, who told me to submit this last claim before filing a lawsuit against the bank. Chase Bank opened a credit card in my name and sent it to an address I have no association with. I did not live, work, or have any association with the address they sent the credit card to and I do not know who they sent the credit card to. Chase claims they opened an investigation however I doubt the truth in their statement given the results of the " investigation ''. Chase claimed in their response to the Consumer Financial Protection Bureau that I had personally called and verified my account information and that I had gone into a Chase Branch and shown my ID. This is 100 % false and never happened. Obviously if I had gone into a branch there would be a record, including surveillance video of me in the branch. I challenge Chase to prove to the Consumer Financial Protection Bureau that I ever stepped into a branch and showed ID or that I ever called them. The phone number they called and/or were called from is not my number, never has been my number and is not even a working number ( I 've tried calling it and it is disconnected ). I have had the same phone number for over 10 years. I never contacted Chase from my number and I never went into a branch. I have literally never been into a Chase branch in my life. Chase is attempting to extort me for a debt I do not owe. I am again attaching a copy of my lease showing I did not live at the address they sent the card to, as well as a copy of the FTC report my attorney advised me to file. In addition I am attaching the response from Chase in which they claimed that I visited a branch ( a lie ) and that I called in ( also a lie ).  If someone called into the bank to verify information it was probably the thief they sent the card to! There were multiple accounts opened in my name, XXXX XXXX, Chase, XXXX XXXX XXXX XXXX, etc. Chase Bank is the ONLY bank that has not done a real investigation and who provided me with demonstrably false information. Their lack of due diligence has cause me financial harm that I intend on recouping from them if this is not solved. This will be the last complaint I file, the next step will be to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was talking with a mortgage company about checking rates and told them specifically and directly to not put a hard knock/inquiry on my credit. When I checked my credit report, they had not only done it once, but put a hard knock/inquiry on it twice. The company is XXXX XXXX XXXX XXXX and they put the inquiry on Transunion. While other credit companies provide the option to dispute hard knocks/inquiries, transunion 's online portal does not. Upon these two hits my credit score plummeted from XXXX to XXXX!!! 

If there is any assistance you can provide, please do. I closely guard my credit score and hate that this company put hard knocks on my credit after explicitly telling them not to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Payday loan, title loan, or personal loan (Installment loan) with 1st Franklin Financial Corporation (AL).
Issue: Struggling to pay your loan

Complaint: Starting in XXXX i begin to have financial problems. I made the mistake of getting one installment loan and then i got another one to pay off the first loan. It eventually piled up and i was in a deep hole before i could realize it.

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 02-05-2017 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX I cashed a check at US Bank in XXXX, CA and found that {$100.00} was withdrawal on XXXX/XXXX/XXXX from our checking account in XXXX XXXX, CA. Fraud was committed! 
I spent 3 hours with my local branch and did not receive a resolution after talking with the chief officer, XXXX XXXX. 
The whole matter could have been resolved if she had checked my wife 's signature on file with that on the counter withdraw slip issued in XXXX XXXX on XXXX/XXXX/XXXX. 
My wife did not withdraw the {$100.00} because : 1. We live in XXXX, CA which is almost XXXX miles away from XXXX, CA. 
2. Non-stop flight time is 1.5 hours ; much longer for driving time : my wife does not drive! 
3. Scammer negotiate the withdraw around XXXX XXXX and earliest that he ( she ) would be in XXXX would be very past XXXX XXXX. 
4. We checked out at XXXX XXXX at XXXX XXXX and at XXXX at XXXX ; XXXX XXXX see receipts. 
5. We did not go to either US Bank on XXXX/XXXX/XXXX. 
5. Comparing the two signatures : fake and real : Fake : loop on XXXX is on the left ; rise from XXXX is up, slope on XXXX is slanted up ; XXXX is wrong : should be XXXX ; XXXX is run together, XXXX does not match. Real signature is the opposite. Check the enclose sample of both documents.

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 08/20/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I recently opened a Macy's/American Express card . Shortly thereafter, I received a bill with XXXX fraudulent charges - XXXX {$20.00} refills for XXXX. I immediately contacted XXXX XXXX and reported the fraudulent usage and closed the account. 
I have had the same experience with another XXXX account that I had held for more than 20 years. Over the last year, my account was compromised XXXX times. Each time I reported it, received new cards and the charges were reversed however, XXXX did nothing to secure my account as it kept happening so I closed it. 
Today I received a letter ( with an incorrect account number ) asking for the same information I had provided when I first reported the fraud and requesting I submit a copy of my driver 's license, social security card, work ID, etc. Needless to say I had no intention of supplying that information to them via mail or in any other format as they obviously have poor security standards. 
When I called to protest, I was initially told if I did n't submit the information my dispute could not be processed and the intimation was I would be responsible for the charges. I reiterated that I was not submitting my personal information and I was then transferred to a supervisor who said I did n't have to if I was " uncomfortable '' doing so but they would still need the form and reiterated that my dispute would not be processed without it. 
I have disputed any number of charges in the past with numerous banks and retailers, that were either in error, fraudulent or when I could not get satisfaction from a merchant. Never once have I been required to complete a paper form after completing the form online or speaking with a representative directly and I have absolutely no faith in XXXX XXXX to handle this correctly. Their customer service was at one time exemplary but within the last few years has become abysmal. I am attaching the credit card statement that includes the case dispute number XXXX XXXX provided when I first contacted them. The number is 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 monetary relief
Consumer complaint received 07/15/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NM).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I bought a XXXX XXXX XXXX from XXXX and financed through Santander Consumer USA ( XXXX ) in XX/XX/XXXX. I have been paying my car since then but, in XXXX i fell behind due to my husbands XXXX and subsequent medical expenses that resulted from the XXXX. I attempted to fix things with them several times and they said well you are past due and we submitted for repossession of the vehicle but, if you pay the past due today we will cancel it and you will avoid any repossession or issues as a result of that. I would just have to pay and continue making my payment. We paid the amount that they required and then i discovered that on my credit report my car was reported as Charge off. I contacted them and they said oh that 's what we do when we reinstate a loan. I was never ever notified in writing or on the phone that they would be doing that. I am paying on a vehicle that shows as thought it was repossessed on my credit reports. I have tried to refinance the vehicle and I was informed by several banks that I ca n't refinance something I do n't have ( which clearly i do have ) The bank is destroying my credit I can not get a home or anything because of that loan. They have charged it off but constantly update the loan charge off date to seem closer and closer so it always appears that I just lost the car. The vehicle balance never changes and they never report that i am making payments it looks like i occassionally give money to a debt not a loan! they charged me over 10 dollars to make a payment for years and my payoff amount is still {$16000.00} on a vehicle that started with a balance of {$18000.00} 4 years ago. I think they are cheating me and stealing money from me because thus far i have paid XXXX and at the rate of charges i will pay XXXX XXXX dollars for the vehicle was never valued anywhere near that amount to top it off they said i still have three more years to pay because my vehicle is charged off and will always earn interest. They I believe broke the law by not informing me of what they would do to my account, me and my credit. They never once in writing or verbally told me they would report my car as charged off/ repossessed. This is a very predatory way to run a business and this is not the case with every loan i have talked to several people who are financed through santander consumer usa and two of them had their car in repo status paid and were never reported as a charged off loan or any other negative information other than being past due and current. This implies that they selective on who they take advantage of maybe they prefer people who are in their XXXX like me who should just go along with it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: My check fraud claim was denied because lack of ordinary care. Chase stated that I have a previous claim in 2014 and did n't close my account so this claim can not be approved. However this claim is because stolen checks and complete unrelated to the last one, even if I opened a new account, the stolen checks will cause the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: RPM Receivables claimed I owe {$1100.00} on a closed XXXX XXXX XXXX account. The account was closed in XXXX of 2016. <P/>The company called me today with a Washington State number, it was from an XXXX call center. They asked for me by name, I asked who was calling? I heard a click and another agent came on the line. The call center rep, in a rush spoke very fast, with my name and cell phone number, then hung up. After learning about what the call was about, I immediately told the agent that I had no such debt with XXXX XXXX XXXX when I cancelled my service. He was adamant about setting up a payment arrangement. I further advised, I wish to dispute it. He again asked to set up a payment arrangement. I advised him this was not a valid debt. He then advised he would flag the account as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On Equifax, one account, security credit services XXXX was deleted for cause, now has reappeared again.this has happened before.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Adler Wallach & Associates, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving negative credit report hits and harassing phone calls and emails from AWA COLLECTIONS XXXX XXXX XXXX, CA who claim that I owe them thousands of dollars from a bail bond agency. I paid for someones bail recently but they went to court and the issue was resolved and the case is over. I do not know why they are harassing me, I DO NOT owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with JPMORGAN CHASE & CO. (FL).
Issue: Problem with the payoff process at the end of the loan

Complaint: Chase g ave me  a Tax Year   XX/XX/XXXX Form  XXXX .  <P/> I filed and paid taxes on {$13000.00} in which ; I owed less than {$13000.00}.  <P/>  XX/XX/XXXX   XXXX   XXXX  ( est ) I spoke with "  XXXX  ''  of Chase co ncerning form  XXXX . I asked, " Is this what I should be receiving? ''  XXXX  told me, " call back next week. ''  XX/XX/XXXX  I called back  XXXX . I spoke with  XXXX   XXXX  concerning form  XXXX  " Is this what I should be receiving? ''  XXXX   XXXX  submitted a work order.  <P/>  XX/XX/XXXX  I called back and spoke with  XXXX   XXXX ,  Senior Service Specialty.   XXXX   XXXX  said, " Yes, I should have received form  XXXX  '' I stated, " I have continued to make my payments and I sent a form requesting my account to stay open ''.  XXXX   XXXX  said, " I should continue to make payments if, I want to keep my home but,  XXXX  do not have to accept my request. ''  XXXX   XXXX  then turned my call over to  XXXX   XXXX .  <P/>  XXXX   XXXX  said, " I was flagged bankruptcy interest. ''  XXXX   XXXX  then turned my call over to Account Service  XXXX   XXXX   (  or  XXXX   )  to request  XXXX  amended adjustment current principle.  <P/> I have continued to make regular on time payments t o Chase.  Last payment sent was  XX/XX/XXXX .  <P/>  XX/XX/XXXX  I received a noticed.  Chase has cha nged my line of credit account number and I am to send payments to a " new account number '' starting in  XX/XX/XXXX .  <P/> Is this an attempt to violate federal consumer financial laws?

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Payday loan) with Solidus Group LLC. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have repetitively told them to not call me at work.

Company response to consumer: Untimely response
Consumer complaint received 06/24/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Application, originator, mortgage broker

Complaint: My name is XXXX XXXX, phone number : XXXX, XXXXXXXXXXXX. 
Address : XXXX XXXX XXXX XXXX XXXX Michigan, XXXX. 
My complaint : Current mortgage is with Chase Bank : 5.73 % monthly cost : XXXX, Balance : XXXX I tried refinancing my mortgage with XXXX Mortgage : Problem unfairly calculation with high than normal closing cost. 
Chase XXXX to XXXX hard check on credit to reduce credit rating to offer a higher mortgage rate. 
I am very disappointed with the process which should be quite simple since I currently paying my mortgage with a higher cost and interest rate : So what is the problem?

Company response to consumer: Closed with explanation