milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: While traveling in XXXX, I intended to make a purchase from a local merchant. During the transaction, I noticed the merchant charged me for items I specifically refused to purchase. Indeed, I denied him several times until he stopped trying to sell them to me, saying " Okay, okay. Just the {$270.00} '' ( for XXXX shirts I was buying ). I caught him trying to pull this " fast one, '' charging me {$310.00}, by stating the sale was for the {$270.00} charging the increased amount and hoping I would not notice. I cancelled the sale, did not sign and reported the incident to Chase. I noted this was fraud and it might continue so I also requested a hold put on my credit card. Two weeks later when I returned to the US, I found Chase processed this charge I reported as a fraud and I was now financially responsible. 
I called to report it again and inquire why I was charged. I was given a lot of vague excuses and told they could not do anything about the charge. It would stand on my account and I would continue to be responsible - after twice informing them it was fraudulent. I was asked to call back a third time, during EST day-time hours! 
When I returned the call to a supervisor, they again refused to remove it, saying I should dispute the charge, one that should never have been placed and one I asked to prosecute as fraud as the merchant was clearly deceptive and criminal in his actions and should be reviewed thoroughly before being allowed to process cards freely, something I would gamble he has abused often to the cost of other Chase/Visa customers. 
I spoke with a supervisor who also advised me the charge would stay on my account and then defended the merchant without even knowing them, condoning their frauds and confirming their ability to further defraud other Americans or other foreigners in the future. 
As of today, I have called them three times, including the first notice of fraud. The charge is still on my account and the merchant still has carte blanche to abuse the next non-suspecting American to be abused in XXXX while Chase deliberately ignores these frauds, even supporting them according to the accounts supervisor I last spoke with at Chase. 
Relevant info : Merchant : XXXX XXXX, XXXX, XXXX, charge on XXXX ; {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Chase CC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Medical) with Radius Global Solutions LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX work at XXXX XXXX of XXXX in XXXX 2014. I paid my part in full before the procedure. They failed to do the insurance paperwork and they kept sending me bills for the part covered by insurance. I contacted them and the apologized and gave some excuses about the issue ( which I do n't think was the case ). 

After a while I received a letter from Debt Collector. 
I contacted debt collection agency and the dentist office to resolve the issue but it did n't work. I contacted the insurance company and took care of the issue myself and had them send the doctor the check. 
Insurance company record shows that the doctor has cashed the check. After receiving calls from debt collector I contacted the doctor again and doctor 's secretary apologized for the problem affirming I never have outstanding balance. ( all email correspondence attached XXXX But the debt collection agency keeps calling me and they say their client XXXX dentist ) says they have never received any payment, and they continue their harassment after a year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: Monthly maintenance fees are excessive for type of account. The Health Savings Account managed by Bank of America charges {$3.00} per month for our plan and up to {$4.00} per month non employer sponsored plans. There are few transactions processed and the balances in the accounts may be very low.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Complaint XXXX was closed by CFPB although the merchant ( Barclay 's Bank ) advised me they were still working on it. XXXX from Barclays indicated she was working on finding the incorrect address issue with the original billing. I called her repeatedly with more information, but she did not respond. The company 's letter was incorrect and reveals that either their records are faulty, or they are concealing the true nature of our conversations. XXXX 's description of my telephone calls with Barclays is false. i specifically talked with the representative about my change of address and the fact that Barclays sent the bill to the wrong address. The fact that XXXX hides this makes me think they are intentionally providing false information to CFPB.

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted Transunion in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XXXX, XXXX, XXXX and XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. I have even requested for a copy of any of the contracts I initiated with my signature to be produced to Transunion for the accounts that have been " verified '', still nothing has been provided to me, yet they continue to report inaccurate information that is continuing to deteriorate my credit file.These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and 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 07/24/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Unsolicited issuance of credit card

Complaint: Chase has consistently reported a credit card account for me that is not mine. They have sent it to collections and received a judgment for the monies even though my repeated requests for them to send me a copy of the signed card agreement has not been met. I had XXXX signature loan with Chase back in 2007 which has been paid. I had no other accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit card () with JPMORGAN CHASE & CO. (DC).
Issue: Billing disputes

Complaint: Chase has issed denials of receipt dispute documentation and when provided with it refused to assist. 
The charge of XXXX was not authorized nor was there any documentation to substantiate it. 
Am confused why my credit card company of many years would intentionally work against me. 
I am owed XXXX from XXXX from the XXXX XXXX. 
Please return this money that was taken without my signature and consent

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have disputed this item multiple times with Equifax and it comes back verified every single time. Agents over the phone have either completely ignored my questions regarding the dispute process or answered with incorrect information. This account does not belong to me and neither the creditors XXXX nor any other contact sees anything under my name, account number, account amount or dates that is even remotely similar to what is being reported. Every other credit bureau has had absolutely no issues in verifying that this account DOES NOT belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: Set forth below is a copy of an email that I sent today to Wells Fargo. The email speaks for itself. 
XXXX XXXX Private Mortgage Banker Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX : I just received a package of materials sent by XXXX by you, which is entitled " Private Mortgage Banking Full-service options for upscale home financing ''. 

The first sentence of the letter enclosed in the package states : " I appreciate you taking the time to discuss your home financing needs with me. '' Since I have NEVER spoken to you, nor even to my knowledge have you made any attempt to contact me until your XXXX package arrived, I can unequivocally state that, once again, Wells Fargo is knowingly misrepresenting facts. On the off chance that you have opened an account based on our fictitious conversation, please close it. 

A copy of this letter will be filed with the Bureau of Consumer Financial Protection. 

Sincerely, 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 05/17/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: My husband and I applied for a mortgage with Suntrust because they have been our bank for 13 years. Their customer service is horrible I am crying for the 5th time as I am writing this complaint. The website lies about how they will service you. 
1. They do not call or email us giving us an update. 
2. Every time we call them we get a voicemail only to be ignored. 
3. I called the customer service line who said the manager was on the other line and would call me right back, and I 'm still waiting. 
4. We lost money on moving trucks, and we are now in danger of having to move the settlement date up on our home we are selling. 
5. My and my husbands employers are upset with us for changing our days off 3x. 
6. It 's as if they do n't care about anyone and do everything in their power to make a happy life event as stressful and aggravating as possible. 
I understand they make good money in the stock market but not so much on Mortgages, so why, then, do n't they just get out of the mortgage business altogether instead of pretending they want to give you a mortgage and at the end, hope they aggravate you so much that you just want to pull out? I wish so bad I chose a different lender, it 's like they know they got you and do n't care. Please help I ca n't stop crying!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Be advised this is not request for validation. This account was never verified with a notice that XXXX # XXXXclaim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I am disputing the following information directly with them, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

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 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On XXXX XXXX XXXX I made my usual payment at statement close via BBVA 's online account access. I paid with my saved checking account on file that I have used without issue many times in the past. 
On XXXX XXXX XXXX I received my paper statement in the mail and saw that my payment that I made was reversed without my knowledge on XXXX XXXX XXXX and I was being charged interest on the amount due On XXXX XXXX XXXX I called BBVA to figure out what happened. It was discovered that the payment made, for whatever reason, had the last 2 digits of my checking account number missing so they said they were unable to make the payment. When I made my payment, I did not manually enter in any numbers, I simply selected the saved checking account on file that I have always used without issue. It is abundantly clear that there was some issue on their end that corrupted my checking acct info and made my payment not process in their system. However, phone support absolutely refused to accept this reality and they fought me on it over the phone for half an hour. 
I expect BBVA to refund all finance charges and late fees immediately Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX a contract employee ( Empl. ID # XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX Fl. fraudulently signed a service and equipment agreements in my name. When I discovered this, I contacted XXXX/XXXX  XXXX XXXX XXXX who investigated the same and verified that the contract employee had fraudulently signed the previously mentioned agreements in my name. XXXX XXXX XXXX XXXX stated in writing that I could cancel the service at any time without penalty of early termination fees. I cancelled the services in a timely manner and yet I am still being billed for services that I did not agree to receiving. 

Collection efforts are now being instituted against me by ERC located at XXXX XXXX XXXX, XXXX, FL XXXX -Toll free ( XXXX ) XXXX for the services/early termination fees being complained about herein. 

I have previously spoken to XXXX XXXX XXXX, Human Resource Officer of XXXX ( XXXX ) who indicated that she was very familiar with my complaint and that the employee involved was immediately fired the moment the fraudulent activity was brought to her attention. XXXX XXXX indicated that she would be willing to verify this fact in writing if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may be concerned : I submitted a loan modification in XXXX of XXXX ; however, I never received a decision for that application. Although I received a letter from NationStar Mortgage Dated XXXX XXXX ; declined my application and the letter states " You have 30 calendar days from the date of this letter to provide us with written evidence that XXXX or more of the NPV input values is inaccurate .... '' I am so confused with the letter that Nationstar sent to me in XXXX XXXX in which the letter dated for XXXX XXXX and it talks about NPV something that I do not understand. I am still waiting for NationStar letter to respond for my loan application back in XXXX XXXX XXXX. I did not receive any letter for decision since the loan modification application submitted in XXXX XXXX, XXXX. They have had XXXX recorded of Notice of defaults XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I recently received letter in the mail and postings on the door of my house for sale date is XXXX/XXXX/XXXX. 
I also believe Nationstar Mortgage was wrongly filed a notice of default on my house back on XXXX/XXXX/XXXX because I made 2 months mortgage payment over the phone in the amount of {$2200.00} on XXXX XXXX by Representative name XXXX and confirmation number # XXXX. They said everything was ok ; however they return the funds on XXXX/XXXX/XXXX and filed a XXXX on XXXX/XXXX/XXXX. I strongly believe Nationstar Mortgage is just trying to foreclose my home and not at all in compliance with the law. I am a XXXX with illness of XXXX XXXX and this situation with Nationstar Mortgage is aggravating my sickness. First they are wrongly initiating a foreclosure secondly they never respond to my loan modification application submitting on XXXX/XXXX/XXXX and also they sent me a letter in early XXXX of XXXX in which the letter DATED XXXX/XXXX/XXXX saying that I have 30 days to dispute their letter. This letter dated XXXX/XXXX/XXXX is very confusing and contradicting. In the meantime, I was still waiting for their decision on my loan mod application dated XXXX/XXXX/XXXX and now they gave me a sale XXXX/XXXX/XXXX with no other information. I feel that Nationstar Mortgage is wrongly taking advantage of my situation. They are NOT in compliance with the law because their paperwork and actions are NOT in compliance. Please document attached to be submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing disputes

Complaint: This is the XXXX time I have written you about CitiGroup. I have a Best buy Card that I have closed. When I closed the account, they charged me for all of the interest that was went with the promotions on the items I bought. A few months ago, I wrote you to tell you that they had been charging me for a program I had never signed up for that was to protect me if I ever lost my job. Well, after they got your letter ( and after I informed them that I had lost my job ), they refunded me {$200.00} for the program that I had never signed up for. I paid a lot more than that for the program. But as soon as they found out I lost my job, then they were willing to back out. What a rip off. So now, I checked my card activity and they have charged me {$200.00} in XXXX for interest they say was from a promotion. I already paid that when I closed the card. I think I need a lawyer. I need help. I ca n't pay this off if they keep messing with me. Please, Please help me with this problem. If you ca n't do anything, then please refer me to a lawyer that will. 
Thank you. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: In the evening of Tuesday XXXX XXXX 2016, I made a cash deposit of XXXX {$1600.00} ( XXXX XXXX, XXXX XXXX and XXXX XXXX dollars ) into the ATM number XXXX located in the Chase Branch at the XXXX XXXX of the XXXX ( XXXX XXXX ) in XXXX, NY ( XXXX ). 

Immediately after inserting the bills into the machine, the screen showed me an error message ( picture will be attached ), explaining that the ATM has experienced a technical problem and I should contact a Chase representative at their Claims Department. I printed the receipt ( also will be attached ), with the transaction ID, ATM ID, address, last XXXX digits of the account that the deposit was intended to be done, date and time of the deposit. 

After calling the Claims Department ( Claim # XXXX ), I was communicated that Chase would review the claim for up to 10 business days, without crediting the funds in my account, and no temporary credit would be done to mitigate the impacts of their machine malfunction in my daily issues. 

I called my Chase Banker and he emphatically said that I needed to call again the Claims Department, not hanging up before getting the temporary credit, because that was a bank error and I should not have any harm due to a bank 's error. 

Several other attempts to talk and escalate the situation were tried, still in the Wed XXXX and the Friday XXXX XXXX 2016, getting to the point where the representative of the Escalation Team in the Claims Department communicated me that no credit would be done prior the conclusion of their process and that was their final answer to the case. 

After being asked what would be a valid next step for my complaint or who should I reach in a different team to report my case, they said that they do n't have any other contact to pass to me and if I wanted to file a complaint about the Claims Department on the lack of solutions, I should do that with the Claims Department, without spotting the illogical conflict of interest in the situation. 

My complaint is the lack of the temporary credit in my account due to the bank 's error and the inability to deliver any other mitigating solution. In the last call I communicated my intention to file a complaint in the regulator that would overview this type of cases. 

The deposit was done in a Chase Private Bank branch, and the bank has the cameras in their hands to accurately investigate the process and react in case there was any inaccuracy in my claim, reserving the right to correct my temporary deposit in case that happened. As it was a very relevant value and several bills, I counted bill by bill in front of the ATM, leaving no doubt to the correct amount that should be credited in my account.

Company response to consumer: Closed with monetary relief