milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are information on credit report that are over XXXX old.By law those should be remove.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hi, At the beginning of XXXX my XXXX XXXX XXXX bank, where all of my savings are held, was compromised. As a security precaution, XXXX XXXX, froze my funds and created all new bank accounts. This process started XXXX XXXX and my funds were released XXXX XXXX. 

During this time, my American Express account came due on XXXX XXXX, but because my funds were frozen I was unable to pay. As soon as my funds were unfrozen I paid my account in full on XXXX XXXX. 

Because of this two day delay, American Express charged me interest of {$220.00}, XXXX on XXXX XXXX and XXXX on XXXX XXXX. When I contacted American Express in XXXX XXXX to explain the situation along with mentioning that I 've always paid my bill in full since opening the account in XXXX, American Express stated they could n't refund my interest charges. 

I 'm writing to the CFPB in an attempt to get these charges reverse, understanding that if I had access to my funds I would have paid the amount in full. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: After opening a credit card with Citibank, I began receiving marketing materials via mail for checking and savings accounts. One of these marketing letters stated that I could receive XXXX XXXX XXXX miles for opening a checking account, if I fulfilled a specific criteria relating to purchases and bill payments. I opened a CitiGold checking account under one of the promotions. I researched this account in full online, and one concern was that Citi had a bad track record of honoring the promotion offers that they were using to recruit customers. After opening the account, I called to speak with Customer Service to ensure that they the account does have the promotion on there and that I am good to go. They confirmed this. Fast forward 4 months. I have completed all of the criteria for meeting the promotion bonus, yet I did n't receive the bonus miles in my account. After speaking with Citi, they claimed that the account was never opened under a promotion. I filed a complaint, to which they have responded twice with the same copy & pasted letter. Despite my attempts to direct them to listen to the call where their employee confirmed that I did in fact have this promotion on my account, they refuse to honor the promotion bonus. I feel tricked into switching my checking account to them under the promise of a bonus, and now they are refusing to honor this.

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 02/19/2017 about Debt collection (Medical) with Ability Recovery Services, LLC (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Advance urgent care did n't provide adequate verification for debt. In question no documents were provided showing a contract or signature. No contract no signature!

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Enhanced Recovery inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XX/XX/XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XX/XX/XXXX. No response from Enhanced Recovery has been received as of XX/XX/XXXX. A call to creditor on XX/XX/XXXX acknowledges receipt of letter dated XX/XX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of XXXX delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XX/XX/XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with XXXX date of XXXX delinquency over 7.5 yrs from the original debtor can not be reported to the CRA 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2015 about Debt collection (I do not know) with Stillman Law Office (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of XXXX I received a debt collection letter from " Schlee & Stillman Law Office, LLC '', regarding a debt I supposedly owed a " XXXX XXXX XXXX ''. I immediately replied ( by certified mail ), requesting details of the debt, including copies of statements, amounts owed, prior collection efforts, etc. 

I received absolutely no response until yesterday ( XXXX XXXX, XXXX ), when I received what appears to be a copy of a Garnishment Summons, relating to a judgment apparently obtained in XX/XX/XXXX against someone with a similar name to my maiden name. 

I do not believe I owe this debt, but apparently this law firm is attempting to garnish my wages, and will not even respond to my attempts to contact them. I have attempted to call them, and get nothing but a recorded message about their firm being a debt collector - no human ever answers.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 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: Was not notified of investigation status or results

Complaint: on XX/XX/17 I submitted complaints to each credit bureau to remove negative items from my credit report that did not belong to me. I received a response from XXXX  and they removed these items, however, Equifax and XXXX  failed to reply at all.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The loan company Naviance did not notify me of a payment and reported me late. I received no bill or late payment notification. When they finally contacted be the had my name wrong, and the representatives could not explain to me why they made a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This is a general policy issue. Consumer debt is at an all time high. If you pay a credit card off and closed the account your credit score goes down. This policy needs review we should be encouraging and rewarding people for paying their cards off. What do you think?

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 01/18/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a credit card with XXXX that was paid off and closed. At this present time the account is showing paid as agreed, but the credit status is Charged off. I had several investigation on this account but everything stayed the same.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted TransUnion several times by mail disputing hard inquires made on my credit in which I did not authorize and asked them to please remove these inquires. As of this date it has not been done.

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent letters to  Trans Union,  XXXX  and  XXXX  requesting that inquires made to my credit be removed.  XXXX  and  XXXX  has removed the fradrulant inquires however Trans Union has failed to  do so. I have  XXXX  inquiries that I have asked to be removed starting  XXXX    XXXX   until now  XXXX   XXXX    XXXX   when I realized they were there. The inquires still remain and is ruining m y credit score.  The following inquires should be immediately removed :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 03/29/2016 about Debt collection (Medical) with Century Financial Services, Inc. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call from century financial. My main concern is that the number they called on was not their number!! it was actually the number of my daughters XXXX office which we paid off 3 years ago when she had her XXXX. I believe they can not falsely identify themselves and they certainly have! I do n't understand how they can call on a number i have saved in my phone, but I think it 's wrong and I do not think they should be allowed to do that! Very disturbing and bad business practice. It wasnt even my debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease

Complaint: Santander is violating the Fair Credit Reporting Act in many ways and they are causing serious harm and damage to my credit as a result of their inaccurate reporting. 

The information they are reporting on XXXX and XXXX is inconsistent and should not be tolerated. 

1. They are reporting XXXX different addresses on the credit report. The address on XXXX is for the first payment, before the deal is funded. The address on XXXX ( once Googled ) does not link to any Santander dealership. I see places with XXXX XXXX, but not XXXX XXXX as is reported on XXXX. 

2. They are reporting different late payments on the credit report. XXXX is reporting Repossession as of XXXX XXXX ; 90 days past due as of XXXX XXXX ; 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX and 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX. While XXXX is reporting 60 days past due as of XXXX XXXX and XXXX XXXX ; and 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. How can there be such a huge difference in the way the late payments are being reported? This is totally inaccurate. 

According to the Federal Trade Commission, it is illegal and against the Fair Credit Reporting Act to report inaccurate information to the credit bureaus once it is brought to the attention that it is inaccurate. 

Furthermore, you failed to mark this account that it was disputed as a result of my dispute sent to you and the credit bureaus. Which leads me to believe, a real investigation was not complete.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Equifax ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Equifax 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Equifax provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX XXXX XXXX, XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company has contacted relatives about the debt, especially to complain when the payment is late

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with R.M. Galicia, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown and appears to be outdated, disputed with no outcome. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: There was fraudulent activity on my HSA ( Health Savings Account ) card from XXXX XXXX till XXXX XXXX. This card was issued by Chase Bank and funded by payroll deductions and employer contributions. On XXXX/XXXX/XXXX I became aware of this activity after observing lower than expected remaining balance while making a payment for a health service. Since there is no monthly statement sent per the card issuer 's policy there was limited means of discovering this fraud earlier. The same day of discovering the fraud I informed Chase Bank of the same who recorded this information and mentioned that I 'll be contacted later. I was later asked to send dispute information in writing which I promptly did. 

In the meantime I also contacted the merchant from whom the charges were being sent to my account. I informed them of the fraudulent activity and discovered that there was a fraudulent email address that was on file with them to which they had been billing 4 times monthly since XXXX XXXX. They cancelled the fraudulent membership ( XXXX of them ) on my card and refunded charges for 3 months only. 
About a month later I received a call from a person with Chase bank who was assigned to investigate the dispute case. She arranged a 3 way conference call with merchant 's customer service department, who then explained the same information about the fraudulent email address being on-file with the merchant. They could not provide any other information. After that for several months I did not hear anything from Chase Bank about the dispute. I patiently waited since I was told that it can take several months to achieve final resolution. I called around XX/XX/XXXX and was informed via automated message that Chase was no longer servicing the account and can not help with any subject matter in that regard. I called again today on XXXX/XXXX/XXXX on a number found from the internet search instead of the number listed on my dispute paperwork and was able to reach a customer service person who informed that my claim was infact denied. In the denial information recorded in account notes, the 3-way conversation with the merchant and fraudulent email address being found on record with the merchant, was n't even mentioned. 

My complaint is that Chase Bank mishandled the dispute and incorrectly denied my claim and never informed me of that denial.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Vehicle loan or lease (Lease) with NATIONSTAR MORTGAGE (UT).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: XXXX XXXX is reporting a charge off on our credit when we returned the car at the end of our lease. We had the car new from the dealership and it had transmission problems. When we turned it in at the end they tried to charge us for those problems which they were to cover during the lease and the warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this company is currently reporting several accounts on my credit report that are closed and deleted .I have requested that they be removed months ago and they are still being reported.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX/XXXX XXXX XXXX, account number XXXX 6. ) XXXX, account number XXXX ; 7. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of  the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (VT).
Issue: Account opening, closing, or management

Complaint: I moved from XXXX to XXXX. Attempting to get my car registered in XXXX. Chase Bank holds the title and they received a request from XXXX DMV on XX/XX/2016. Chase has told me they were scheduled to have the title sent on or about XX/XX/XXXX. They still have not sent the title and I have been driving without a registered car due to the time it has taken for the title to be sent to XXXX DMV. For the past week and a half I have called every day to try and get some resolution to the issue, which has been fruitless. I have been told that it has been escalated but it has not seemed to resulted in any movement. I have been told that now the estimated time frame of Chase send my title would be on or about XX/XX/XXXX.

Company response to consumer: Closed with explanation