milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had XXXX American Express XXXX XXXX cards - XXXX for myself ( XXXX XXXX ), XXXX for my husband ( XXXX XXXX ) and XXXX for my son ( XXXX XXXX ). My husband 's card was the primary card. My son 's card was compromised, had fraudulent charges put on it, and the card was cancelled in XXXX of 2015. American Express continued to accept fraudulent charges on the card after the card was cancelled, and rolled them over to the primary card. We closed the whole account ( all the cards ) in XXXX of 2015. To this day American Express is still accepting fraudulent charges on the original compromised card and sending us bills. We have to call each time and report the fraudulent charges and go through long telephone calls with American Express. They have not ever been helpful about fixing this problem to stop accepting charges on the account that as been closed for well over a year. This is wasting a lot of time and energy on my part and is very frustrating. I have attached copies of the two latest statements which show the fraudulent charges processed on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Making/receiving payments, sending money

Complaint: I 've just learned that when a person uses Capital One online Billpay they are at risk of having their money stolen by Capital One. Here 's how : When you approve an online bill payment the amount is debited from your account the moment you click " send ''. Then a check is sent to the payee. However, if 90 days pass and that check has not been cashed or deposited Capital One never returns the money to the customer / PAYER 's account and never notifies the customer. They just keep the amount of the transaction. Forever. 

I 've just had this confirmed by a manager at Capital One. When I pressed him on Capital One therefore basically getting to keep my money he said " no its in limbo '' but that is not true. The amount still remains on Capital One 's books as an asset because the money has never been transfered to another financial institution as would happen when the check was deposited or cashed and the cashing or depositing institution requests the funds from Capital One. Not only is this practice fraudulent but when questioned on it Capital One counted on my ignorance of how banking works to lie to me about how they benefit from the policy. 

In addition, while Capital One will never return your undistributed funds, the PAYEE only has 90 days to cash or deposit the check. You would think that after that same 90 days the funds would go back to the Customer / PAYER, but this is not the case. 

Therefore, in essence, every time you send out a check with Capital One 's online billpay, an invisible 90 day timer starts, and when it 's up the PAYEE ca n't collect, the PAYER is never notified, and Capital One gets to keep the customer 's funds. 

I have been informed by Capital One 's representatives that if you call and ask them to give the money back, they will, after charging you a fee. But If the PAYEE never informs you that they either did n't receive or deposit/cash the check Capital One never informs you, so you do n't even know to call and ask for your money back. Then they get to keep it. I 'm sure the combination of this policy, the lack of any notification from Capital One, and how they benefit is just a coincidence. 

The basic form of this situation is : 1. I ask Capital One to perform a financial transaction for me ( Bill Pay ) 2. Capital one debits the amount of the transaction from my account. 
3. The financial transaction does not complete within 90 days ( The Payee never receives or claims the funds ) 4. Capital one never notifies the customer that the transaction did not complete and never returns the funds. 

How can this policy and order of events, confirmed by Capital One, be described as anything other than fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with DISCOVER BANK (CA).
Issue: Billing statement

Complaint: Never received bill. First and only purchase in XXXX 2015. Until i called recently to ask a question. They told me account is closed due to non payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Chase failed to protect me as a consumer and gave incorrect information in how it relates to filing a claim for a purchase on my account. I made a purchase which I was told by the company had not gone thru due to a verification issue on the bank 's end. They indicated that the initial charge was just temporary and would be released in a few days and that my order was cancelled. After a few days I called back and was told that it needed a few more days for fall off the system and that it was based on the issuing bank for specific time frame. When i contacted my bank I was told by chase that I was required to wait until the merchant issued a credit for a cancelled order which was according to XXXX guidelines. I explained that information is only correct when the cancellation is requested by the customer, when the merchant cancels the order the consumer is NOT required to wait any period of time to file a claim and all that of information can be found in XXXX guidelines. Regardless of this Chase was adamant that I had to wait, per XXXX guidelines, I asked them to send me this documentation that said this which they refused to do. I was forced to wait weeks beyond what I already waited to have the claim filed. When the claim was filed I asked if I needed to provide any documentation or any affidavit/statement of facts to which they said they would contact me if any additional info was required. Many weeks later i checked my account to find that it was over drawn the amount that was credited back for the order I never got and when I called chase they said that they sent me two letters once stipulating that the merchant disputed the claim saying that they showed it was delivered and also that they sent a letter saying the credit would be reversed. I have the letter that they sent about the reversal but nothing about the merchant response. The letter about the reversal came AFTER they had already overdrawn my account despite notice is required to be given at least 10 business days prior to debit account, thus another violation. I asked the rep to check my signature that is on file and easily compared to the one that i supposedly signed and she indicated that they did n't match. This is utter nonsense. Chase failed to comply with the guidelines set in place for handling claims and I am not out almost {$3500.00} because of it. I want this rectified immediately and my funds returned otherwise a legal suit will follow.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get 5-7 calls a day and they start anywhere from XXXX to XXXX all the way to last call being a little after or before XXXX. This is getting out of hand and I ca n't take it anymore. The harrasment is insane. They have said everything to me. That I need to pay " or else ''. I need to pay because " I need to understand what it is ''. I do not know who hires these people but they are so rude and keep threatnening me verbally. Now, they are calling with a BLOCKED NUMBER! So I do not know who it is that is calling me. Getting completely out of hand so I am reaching to know what to do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Debt collection (Non-federal student loan) with Firstsource Advantage, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My loan was through XXXX XXXX of XXXX, I graduated XX/XX/XXXX, XXXX put it into collections XX/XX/XXXX with out notice to revenue services. I contact revenue services made payment arguments, then they closed my account. I was recently contacted by one advantage that stated I had one day to come up with half of the payment and refused to accept anything less, and stated if I do n't they will put my account into collection the fallowing day. Am I still accountable for this account and if so what are my rights? I did pay a one time payment online of XXXX .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (CA).
Issue: Deposits and withdrawals

Complaint: My complaint is against Synchrony Bank. I had obtained a new central heat and air conditioning system through a local company of XXXX and financed it. XXXX arranged for the loan through Synchrony Bank and payments of {$640.00} per month were handled through an account titled " HOME DSGN XXXX '' and were withdrawn directly from my bank account with XXXX XXXX. The loan was scheduled to be paid off in XXXX of 2016. The withdrawals of {$640.00} per month ended after XXXX, as expected. However, new withdrawals of {$35.00} per month started. At first, I assumed that there must have been a small carry-over of some type, but the withdrawals of {$35.00} per month continued. I called XXXX to ask why they were continuing with these withdrawals, and they said that they did not, that my account was paid off. I asked for a telephone contact with Sychrony Bank, which they gave me. I called several time and was never able to get through to anyone. In XXXX of 2016 I went to XXXX XXXX and asked to have the withdrawals stopped, which they did. In addition, they pulled back the payments that had been made. 
I received a letter from Sychrony Bank, dated XXXX XXXX, 2016 acknowledging the cancellation of the automatic payments and indicated that I would now be responsible for making my own payments by mail, plus the late payment charges. On XXXX XXXX, 2016, I sent a hand written response, indicating that I found the charges fraudulent and that XXXX reported that they had not authorized any collections. In addition, on XXXX XXXX, 2016 I sent a certified letter to Sychrony Bank, utilizing the process that their bills posted as the method of challenging amounts due ( copy enclosed with this complaint ) ; I also asked for an acknowledging that they had received a letter, in addition to the post card I would be receiving from the certified letter. 
They charged late payment fees of {$35.00} each time for these fraudulent charges, as well as interest and posted a late payment charge on my credit report. The late payment charges for 2016 were {$68.00} and interest in the amount of {$56.00} ( according to their bill ). According to their bill and the information from their customer support, I owed a remaining balance of {$120.00}, which I included with my letter, just to stop the process and demanded an immediate termination of my account with them. 
I have never received a response to my letter nor a confirmation of the cancellation of my account with them. I did receive an email, indicating a balance of XXXX, but no comment about my request that my account be closed, and no mention of any refund of wrongfully collected funds.

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 03/15/2017 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls that I have recently applied for a payday loan online which I have not. I also received a emails from " Ace Cash '' saying I owe them {$870.00} - {$880.00}. I have NEVER had a payroll advance with this company and have NEVER applied for any payroll advances online.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: We have been restlessly attempting to resolve this issue, we have even submitted a complaint with CFPB recently for Wells Fargo Dealer Services, which we mistakenly believed was the correct section to deal with. 

The problem : My husband has a car loan with Wells Fargo Dealer Services. For the past year of XXXX up until about XXXX, he had been sending in money orders to a Wells Fargo Address believing that this was the correct address to send in his payments. He had been making the money orders out to : XXXX XXXX XXXX XXXX 
P.O. BOX XXXX XXXX XXXX, SD XXXX We informed Wells Fargo Dealer Services about this, but we thought he had made them out to them but that was not the case. While we truly apologize for any inconvenience and misunderstandings, we have been trying to resolve the issue, its just been frustrating. We hope they understand as its tremendously frustrating when you are unable to purchase a house or your credit is messed up for a mistake that you cant fix. 
I called Wells Fargo Dealer Services an informed them about this as they opened up a case with the number : XXXX. They called my husband and after speaking with him, he was told there is nothing they can do because he has no proof of the money orders. 
I was also informed from a representative at the presidents office of Wells Fargo Bank at this number : Chairman, President and CEO, office of XXXX XXXX ( XXXX ) XXXX that someone at the above address mailed the last two payments to the overdraft service department and they had deposited them in his personal checking account. But they are saying that they never received any other money orders, so I have enclosed a copy of an envelope that was addressed to them as well as the money orders that where deposited in his account.

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 05/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On Friday XX/XX/XXXX, at XXXX, I received an email with a copy of a receipt for a purchase from XXXX for 2 tickets in the amount of {$460.00}. I had never created an account with XXXX, I did NOT purchase any tickets through XXXX and I did NOT authorize anyone else to make a purchase using my credit card. I immediately changed the password on the email account, called the XXXX customer service number and informaed them a fraudulent purchase had been made and using my information. The told me too bad, not their problem I would have to call the bank. I then called XXXX XXXX fraud department and informed them what had occurred. They said I would have to wait and call back after the charge was 'posted ' to my account. At that time I cancelled that card and was to receive a replacement. On Monday XX/XX/XXXX, I called XXXX  once more and opened a fraud dispute. Almost Immediately, I started receiving notifications of my email account being subscribed to well over 100 subscriptions in the XXXX  for  miscellaneous web sites. I have called XXXX customer service and requested the IP addrress and phone number associated with the original purchase and they refuse to give the information. XXXX would not cancel the order and sent an email at XXXX on XX/XX/XXXX indicating the tickets were available for download. I DID NOT DOWNLOAD any tickets, I DID NOT ORDER ANY TICKETS. XXXX 'investigated ' the fraud complaint and sent a letter dated XX/XX/XXXX indicating they had closed the investigation and found the dispute NOT in my favor and placed the charges on my account once more. XXXX has NEVER contacted me about this complaint and the investigation. I have attempted to contact the phone number to dispute this resolution and have been on the initial greeting 'waiting for the next associate ' for 3 days, over an hour each day with NOONE ever picking up the line. I called the extension indicated in the letter and it goes straight to voice mail. I have left my phone number and reason each time with NO response.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: On  XXXX   XXXX ,  2017  Equifax took it upon themselves to reinstate a collection account which I had personally resolve the collection company through CFPB complaint #  XXXX  against  XXXX   XXXX   XXXX    XXXX   XXXX    resolve my complaint by notifying Equifax  credit reporting a gency to delete the collection because it was a merged file, the collection was deleted up until  XXXX / XXXX /  XXXX   which is the date Equifax states that they were contacted by   XXXX   XXXX    that the derogatory account belongs to me which contradicts prior actions of   XXXX   XXXX   who ordered Equifax to delete the collection because it contained incorrect identifying information.     Equifax also continual to report inquires on my credit report that do not belong to me, I have disputed this repeatedly only to have it gone unresolved. I last disputed the inquiries on  XXXX / XXXX / 2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed a judgment and  XXXX  collection accounts on my credit report with each of the   XXXX   consumer credit reporting agencies :  XXXX , Equifax, and  XXXX .   XXXX   immediately removed the errors from my credit report and increased my credit score appropriately. Equifax removed the inaccuracies a week later but did not increase my credit score appropriately.  XXXX  would not let me dispute the inaccurate judgment online, I had to call and speak to several people, and finally was given the ability to submit my dispute over the phone. 24 hours later I received notice that the inaccurate judgment was removed but my credit score was not appropriately increased. I am still waiting for  XXXX  to finish their investigation of the inaccurate collection accounts and I was told over the phone that their process of investigation is simply asking the company that reported the information whether it is correct or not. They told me they do n't require any evidence, only a verbal confirmation and they do n't actually do any investigating at all. I was shocked and felt quite powerless hearing this news.
 XXXX 
I know the judgment caused my credit score to go down and I feel it should go immediately up after being removed especially since it was an inaccurate negative mark. I also know the same to be true with the  XXXX  collection accounts.
 XXXX 
I would like help getting my credit score appropriately increased right away after the inaccurate judgment was removed, and the inaccurate collections were removed. I do n't think it 's fair that I finally got the inaccuracies removed but they are not increasing my score with the removals. It 's already caused me to not qualify for my refinance loan and I am feeling powerless against Equifax and  XXXX  refusal to correct their inaccuracies.   XXXX    was the only reporter that appropriately increased my score with the removals.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NY).
Issue: Managing the loan or lease

Complaint: I received a Care Credit loan from my Dentist in XX/XX/2013. The loan and applicable terms were conveyed to me by the dental office XXXX and were not adequately explained to me. 

I did not understand that XXXX months later my principal balance was going to balloon by more than double due to accrued interest. 

I believe I have been a victim of the exact same deceptive credit tactics that resulted in the CFPB ordering a refund of up to {$34.00} XXXX to consumers who were affected by this. 

I attempted to call Care Credit and explain to them that I was a victim of these deceptive tactics and they were completely non-receptive. I am hoping to simply resolve this and pay off the balance so I can terminate the account. 

In addition to the deceptive tactics with the accrued interest, the company makes it virtually impossible to monitor my account and see what is going on in statements from month to month. I can not access my account online due to " errors '' on their website, and each time I attempt to call I have to wait approximately XXXX - XXXX minutes to speak with someone. In the instances I have been able to wait to reach someone, they are combative and not helpful and will not even tell me basic information like my account number so I can log in and pay more of the balance off of the loan to reduce interest payments. 

Everything about this company and their attitude towards customers is predatory and fraudulent.

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