milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/17 I got an alert from Chase about increased activity and a " corrupted pin number ''. I told agent which charges were not mine. She credited me. Then today I got another letter from Chase saying they were not crediting me, withdrew the money and added the fees because thief used a non-Chase atm! Manager at Chase stated there was " no way my card was compromised " if I still had it in my possession. I was told that the investigation did not include looking at the Chase ATM footage .He said " other people have given friends their cards and Pins then falsely claim money was stole. '' He told me my case was closed and I would have to go to Police and get a subpoena to have someone look at the Chase ATM. It's not alot of money but its all I have. I had been an established customer for some years with this bank. I feel I was discriminated against and prejudged because I am a young female. How do I try to get it back,

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2016 about Debt collection (Medical) with Columbia Collection Service, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off this bill over seven years a go and still shoews on my credit. please remove from my file as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2017 about Credit card () with Army and Air Force Exchange Service (GA).
Issue: Delinquent account

Complaint: I was not properly notified of the delinquency in this account. I was under the impression that I had paid the accounts off. It is possible that the later charges on the account were fraudulent. I learned of the delinquency of this account when I was notified by the IRS that my tax refunds would be offset for a federal debt. This account has been paid in full since 2014.

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 06-02-2016 about Mortgage (FHA mortgage) with Prospect Mortgage, LLC (IN).
Issue: Application, originator, mortgage broker

Complaint: I was dealing with a loan officer thru Prospect Mortgage. My loan officer left in the middle of loan process to go to another mortgage company. We had the inspections and appraisal completed. We were waiting on the sellers engineer report and either my work transfer paperwork or a job proposal letter. Once the engineers report came back XX/XX/XXXX, I was told that I had until XXXX XXXX to get either transfer paperwork or job proposal letter. The new loan officer called the sellers agent and told her he was denying my loan because I did not have either transfer or job proposal letter on XXXX XXXX or XXXX. He then calls me and gets all XXXX with me and informs me that he had a responsibility to sellers agent to let them know that I did not have what I needed so he was going to deny the loan. I begged him not to yet as I did not think it was being fair that he had given me until XXXX XXXX to produce one. I had a good possibility at that time on a job offer but did n't want to mislead anyone. He was aware though that I had had a few phone interviews and I was hoping to have an off before XXXX XXXX. Come to find out while he was threatening me to call the sellers agent, he had already called her prior to talking to me and she had relisted the home, they got another offer on it and accepted it. They never cancelled the contract in which I had with them. I immediately called my agent. I did in fact get a job proposal letter by Monday XXXX XXXX, 2016 I had the job offer and sent it immediately to the loan officer. He said it was too late and that he was denying my loan. That was totally wrong since he had specifically given me until XXXX XXXX to get the info to him! He and my agent had a conversation concerning the fact that I was never given a denial letter, nor did I get a cancellation notice from the sellers agent. When she asked him if he was giving me a denial letter he did not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (IN).
Issue: Deposits and withdrawals

Complaint: Huntington Bank 's decision to stop using deposit slips is not customer friendly. I have just made a deposit of several hundred dollars and it took three times as much time to complete the transaction as it normally would. I think that the customer should still have the choice to use a deposit slip or not. 
I am a very annoyed customer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (MA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I got a letter in the mail saying that citi bank was trying to collect the 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 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. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Inquiries are not mine. Thank You!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The account balance is incorrect and the payment history is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reach out to XXXX XXXX to begin service but refused to consent any credit inquiry in order to gain service, only to find not one but two credit inquiries on my Transunion credit report from them between XX/XX/XXXX and XXXX. It lowered my credit score almost 30 points. I disputed it through XXXX and Transunion immediately in XX/XX/XXXXupon learning of the unauthorized inquiry. Transunion responded back with a vaguely worded letter advising that whatever the furnisher decided to do has been done. The results of the dispute were unclear. Now, a year later as I'm applying for a mortgage, I've learned that the two unauthorized inquiries are still on my credit report. Please remove them asap. Thanks.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've called XXXX XXXX regarding 2 late payments, payments was sent but was not credited on time, they said they investigated an it was no problem on their side. I disagree and now credit report is showing late payment. I 've had account for 4 years with no late payments.

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 01/20/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX I reached out to Wells Fargo to pursue a deed in lieu of foreclosure. Our property septic system was damaged ( system floated ) during flooding in XX/XX/XXXX of the property and our insurance did not cover the cost to repair was $ XXXX which we could not afford. We were where told we had to first get attempt to put the property on the market for 90 days & attempt to sale property, submit a request to short sale and be not make payment on loan before doing a deed in lieu of foreclosure. We hired an realtor & lawyer specializing in short sale and put the property on the market on or about XX/XX/XXXX. We submitted paper work and supporting documentation for the short sale application. We were assigned a Home Preservation Specialist XXXX XXXX. In XX/XX/XXXX we reached out to Well Fargo because house did not sale and was told we had to have the property on the market for 4 months after the approval of short sale. At that time we were told Wells Fargo did not receive supporting documentation we and our attorney emailed in XX/XX/XXXX. We faxed & emailed it to XXXX XXXX and our attorney emailed documentation duplicate copies. On XX/XX/XXXX we received an active contract on the property for a cash sale and our realtor and attorney reached out to Wells Fargo and was told they needed additional supporting information and we emailed and fax documentation to both XXXX XXXX. XXXX XXXX confirmed Wells Fargo received all required information to support application for short sale approval and a 5 day determination letter was sent to our attorney & realtor. We received a letter in the mail XX/XX/XXXX requesting the same information we again emailed and fax information. Wells Fargo continued to send communication that there did not receive documents up until XX/XX/XXXX. I called but could never get in contact with our assigned home preservation specialist nor loan adjuster ( XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXXXXXXXXXX ). I spoke with another specialist and was Wells Fargo system showed documentation was received but short sale approval still pending. Also informed me that the loan was in active foreclosure but no sale date had been determined. We have done everything asked by Wells Fargo to avoid foreclosure but have been strong along entire process. I research issue and found Wells Fargo has done this to many customers. We have not been unable to resolve this matter even with attorney and feels attention needs to be given to this issue. Hoping CFP can help resolve.

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 10/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have an American Express Hilton HHonors Card since XXXX, 2017. On XXXX, I add XXXX authorized cards for my family through XXXX spending offer for adding authorized cards. The offer was " add an authorized for XXXX Hilton HHonors Credit Card, and spend {$500.00} in three months, receive XXXX Hilton Honors, up to 4 additional cards, up to XXXX bonus ''. After we received these four cards, I activated them through Online Chat with the help of one specialist. And in the next one month, we finished all the spending request on these four cards. We should received XXXX Hilton HHonors. But we only received one XXXX points on XXXX XXXX. I tried to chat with one specialist, he said I need to wait for 6 weeks. 6 weeks later, still not the left XXXX bonus. I online chatted again, and someone help to submit a investigation on my points and said it would be top priority and will finish in days. About one week later, I connect XXXX through online chat again, and this time the SP said there will be not XXXX points for me because the left 3 authorized were closed by XXXX. How would that be? I applied through XXXX authorized card offer and activated them by the help of XXXX and finished all the spending request. But only give me one bonus, and then closed the other three ( Before XXXX closed them, we already finished the spending request ), I also connect them several times, and did n't help me solved the problem. Lied to me, did n't give me the other XXXX HHonors and even closed these three accounts! How can I trust XXXX next time I need to open authorized cards for my family?

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: ( 1 ) There are XXXX separate collection charges for {$780.00} from different agencies. This is only XXXX unpaid bill. It is an ambulance charge. I have been told no medical charges are to be included in credit reports. 
( 2 ) The unpaid XXXX XXXX bill is likewise a medical charge from the same situation. As it is medical, should it be included? The actual emergency occurred 7 years ago when I was in a minimum wage job with no insurance. 
( 3 ) The XXXX account is the result of a neighbor getting my code, then getting into our home computers and again somehow getting the code when we changed it. XXXX was uncooperative in helping to resolve this matter. The unpaid charges are from the neighbor running up my bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AR).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Hello, I opened a Wells Fargo checking accounts more than 4 months ago. ( Precisely on on  XXXX  2017. ) There was a 250 usd bonus tied to the account opening in case I perform the following actions : -two direct deposits or 10 transactions on my debit account.
I clearly did more than 10 transactions during the first month.
It 's been more than 4 months and I still haven received my 250 usd bonus money.
I called wells fargo several times, and they are not being responsive.
I need my deposit asap!!!
I feel cheated!
 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 09/30/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MA).
Issue: Deposits and withdrawals

Complaint: I had XXXX dollars on paypal account that was taken out of my account last XXXX. Can you please have the courtesy of resolving this issue by calling me directly and refunding the XXXX dollars I had in my account from a direct transfer service?

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: I have a checking account with BBVA Compass Bank. I used my debit card two times on XXXX/XXXX/17 and the I had a loan payment of {$310.00} come out on XXXX/XXXX/17. this was a bank draft payment. the bank arranged my debit payment to cler after the bank draft payment to come out after my debits thus charging me XXXX overdraft fees. I do n't agree with them arranging payment to charge more fees. I am a single mother and I need my money. they have also charged me and extended over draft fee of {$25.00}. I am being charged over {$100.00} in fee because of their greed this need to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Credit determination

Complaint: I have had a Capital One credit card for years. The rate on my card was at 12 %, about the time the credit melt down happen Capital One increased my interest rate to 17 %. I was XXXX day late in making my payment, but feel the rate increase was excessive. My balance on my card is about {$18000.00} so this rate of 17 % makes it very hard for me to pay down. I have always made more than the minimum payments required but still do not see any relief. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The Complaint that I have is with XXXX/CARE CREDIT Over the last 5 months I have requested validation on multiple occasions for debt that is listed on my credit report. They continue to say that they have validated the debt but provide no proof. I have asked for evidence that bears my signature that shows that I have a contractual obligation with XXXX/CARE CREDIT I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. They also to not show on my report the I dispute this account and this is all in volition of Fair Debt Collection Practices Act.

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 04-01-2015 about Credit card () with Credit Card Receivables Fund Incorporated (GA).
Issue: Delinquent account

Complaint: After years and years and numerous attempts of proving this account has been paid and this company taking money from my checking account, they are still trying to take my money. I have proof there is no such debt and they have no proof that there is an unpaid debt. This harassment is causing such anxiety that I am unable to sleep at night wondering when I am going to wake up and be penniless again. This is complete fraud and harassment and I want it to stop immediately and be refunded the amount they have already stolen from me. If you call the attorney 's office, you have some so called lady answering telling you " you should pay your bills. '' This is unfair and unjust and this is my XXXX complaint and no one is doing anything about it. UNIFUND CCR PARNTERS is scamming me and I want this to stop. I really do n't have the money to hire any attorney but it is looking like I am going to have to in order to get any help as I do n't want to be stuck having to borrow money after they have stolen my checking account again and have to pay numerous overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Medical) with Medical & Professional Collection Services, Inc. NC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Medical claims against my children. It is the responsibility of my ex-spouse. I never received any notice of the bill or collection attempt. All correspondence was with my ex-wife, in her name only. I never received any communication in my name. Negative entries reported to Credit Bureau and my credit score has been negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Money was not available when promised

Complaint: On XX/XX/2016 I received a call from XXXX XXXX XXXX. I spoke to XXXX XXXX. He reported he had an investor whom wanted to purchase my timeshare. I received a welcome letter. He requested a high resolution drivers license picture ID and to sign the letter of intent. He then returned a call and stated the sale would go to the senior escrow manager XXXX XXXX. Both XXXX XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX in XXXX Colorado were very convincing. XXXX XXXX stated I would need to pay closing fees. This fee would be {$5100.00}. He then explained the buyer would reimbursed the fee. He was very convincing. The wire transfer via an intermediary bank.. This bank was XXXX XXXX XXXX. Next the escrow representative stated XXXX would need to pay XXXX % tax as I allowed family and friends to use this timeshare. even when stating I never received any compensation, XXXX XXXX indicated I would need to be registered as a international investor. This would allow me to sell the property. This time the cost to register as a foreign investor would be {$6800.00}. Once this was paid the scam continued. When I questioned him he indicated the buyer would get me for breach of contact. When XXXX XXXX stated the Bank in XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) was refusing to release the escrow account. " The following XXXX XXXX XXXX ( XXXX ) Wire Transfer Confirmation XXXX has been retained for delayed deposit, uninsured payments, and security reasons by XXXX with the intent to combat XXXX XXXX Money Laundering. When I became desperate he indicated the last step would be for me to take a policy from XXXX. He indicated this would allow the insurance to help bridge communication between the bank and the seller. cost for this was {$9300.00}. Once I paid this, XXXX XXXX and XXXX XXXX stated the claim would be paid. The issue, this time I needed to pay the deductible. This deductible would be {$15000.00}. When I began questioning the both neither could provide details to this policy.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. 

Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. 

The company set up a website, XXXX, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. I used this site and was prompted with the message, " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation