milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I paid my XXXX bill in full in the amount of {$94.00}. XXXX XXXX ( Comenity ) payment was mailed with proper time to get to creditor. But they posted it one day after due date and charged me a late fee of XXXX and interest XXXX. I called the company and said this is bogus charges I will not pay, they said they would credit XXXX only to the account. At which time I said then I am closing this account. The balance owed was XXXX which I sent a letter in writing to close this account on XXXX XXXX with the cut up credit card and a check for {$14.00} check # XXXX to close this account and put it in writing. Then I received XXXX bill on XXXX XXXX and they had charged me another XXXX in late fees bringing my total to {$41.00}. I called again and said close this account I put it in writing 27 days ago, and they said well we never received it. Then on XXXX XXXX I received a letter responding to my request saying we cant close your account because this is not the correct balance. Over 30 days for them to respond to my letter is negligence and fraud on their part and a way to charge me another XXXX dollars. I feel they owe me the {$41.00} that I had to pay to close this account and the duress it put me under that they just kept charging late fee when account had been asked to be closed in XXXX. It is not a large amount but this is a matter of principle and fraud for charging fees that were not warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Debt collection (Auto) with Byrider Franchising, LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My auto company CNAC makes repeated calls to me and XXXX other people that are my friends and relatives no matter how many times I give them what they need. It wo n't stop and it needs to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened a brokerage account with XXXX and through the USAA process, transferred funds into that account. However, after USAA approved this ; they denied the transfer of funds. However, since then, USAA has questioned several deposits from my old XXXX account into the USAA checking account. These transfers were from my brokerage account. The rep called me today ( XX/XX/XXXX ) and suggested that I made criminal activity into the account from XXXX. This was an individual account that I had for 17 years, duly reported all income from that account to the IRS - yet USAA has for now, more than three weeks and with two employees and one manager implied directly that I was conducting criminal activity in the account by transferring to and from my brokerage account. This has to stop. It has become harassment. I am a retired XXXX XXXX XXXX veteran. I am not a criminal. Yet, after following all of USAA 's processes - they turn the tables and accuse me of being a criminal ... now, three times. I can prove the account with XXXX is legitimate ; provide all Schedule D 's to the IRS. How do we prevent financial institutions from accusing people that deposit small amounts of money ( realizing we are not all wealthy bankers ) into our checking accounts from brokerage accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/25/2017 about Checking or savings account (Checking account) with KEYCORP (OH).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXX I filed a complaint with the Better Business Bureau against Key Bank. My first complaint was assigned ID number XXXX. From XX/XX/XXXX through XX/XX/XXXX, Key Bank was not cooperative with the Better Business Bureau and the case was closed and the BBB reported the complaint as unresolved. On XX/XX/XXXX, I filed a second complaint with the BBB and the second case was assigned ID number XXXX which was also closed and the BBB listed it as dissatisfied. My first complaint is that Key Bank has not issued my {$300.00} bonus that I am entitled to because my direct deposit occurred within 60 days of account opening and I have a document that states : Offer code XXXX has been applied to this account. My second complaint is that Key Bank has not refunded the {$7.00} fee charged on XX/XX/XXXX and the {$7.00} fee charged on XX/XX/XXXX in which I have an email from Key Bank representative XXXX stating that the fees would be refunded if I called in or came in. On XX/XX/XXXX I came in to the branch located at XXXX XXXX XXXX because that is where XXXX XXXX works and she handled all the email correspondence with the BBB to resolve both of these complaints. However, XXXX XXXX has not yet responded to these complaints even though Key Bank banker XXXX  XXXX called XXXX from her desk to inform her that I was there to address these complaints. I have all the documents and emails concerning these complaints in which I can email or fax for review.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: This is a long bizarre story but I will give you as much information that I can get in this space.. On XX/XX/XXXX I got a call from someone posing as my grandson that he was in jail injured and needed me to set up a bond to get him out. I talked to the supposed head counsel and he advised me to send XXXX via direct deposit. He gave me the name of the bondsman and his account number for a Chase bank account. I went to Chase Bank and told the teller my story and she advised the best way to send this money was by Direct Deposit and made the transaction from my savings account to their account. I asked her if the name and account was legitimate and she said yes and she put in thru. I found out 2 hours later that this was a fraud. I immediately called Chase headquarters to put a freeze on my account. They told me they could do nothing about this that I would have to go to the bank and they would reverse it. The bank was closed Saturday at XXXX and all day Sunday. On Monday. I went in as soon as they opened and they said they could not help me. On Saturday I filed a police report. I called Chase home office numerous times and got mixed messages and a run around. I was never told that if I did a direct deposit I could lose my money and that Chase would not be able to investigate the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Mortgage (FHA mortgage) with Servis One, Inc. (NJ).
Issue: Settlement process and costs

Complaint: My sister defaulted on a mortgage I helped her get I moved in with my new family she chose not to get a roommate milked the system for years and now I 'm in debt ... I just want to do deed of leiu so I can buy my family if XXXX a home and XXXX XXXX XXXX jerked me around after applying for their large lawsuit! Then shady transferred my account knowing I wanted to save the home and my credit yet still gave me to bsi financial in which I 've submitted XXXX loan mods to no avail!!! All I want is money to move into a new home w my family of XXXX and give this home up debt free! Nobody is cooperating! Please help us XXXX or XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: In late XXXX, I was issued new credit cards with new credit card numbers because one of the cards on my account was last and the old credit cards were canceled. However, Chase continued to accept charges for XXXX from my son, who had access to my old credit card but not my new one. To date, Chase has accepted four unauthorized purchases totaling {$52.00}. I disputed the charges because my son is not authorized to use my new credit card but Chase refused to reverse the charges because I had made purchases from XXXX on my old card and told me to contact XXXX about cancelling my son 's XXXX account, which I ca n't do because it is my son 's account, not mine, and XXXX will not cancel an old card without giving them a new, valid card, which he does not have. I explained to Chase that I did not authorize the four XXXX purchases but they contend that because I authorized purchases from XXXX under the old card in the past, that I am responsible for all further purchases from XXXX ( and XXXX and any other merchants with which I have done business ) that continue to be made under the cancelled card.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hi there - I am trying to resolve an issue with TransUnion. Back in XX/XX/XXXX they had a comment of " 39-serious delinquency '' in summary of my account. However, I have zero late payments - ever. and my detail on account by account basis shows that. I recently received a new copy of my report and the same factor appears as adverse impact on my account. However again, no late payments ever on all history. 
I just called TransUnion on XX/XX/XXXX and they deny that they are reporting that. I have a hard copy in front of me from XXXX and it is clear they are in fact saying that. 

I need help. 8 years of trying to rectify this to no avail. I have no debt and perfect payment record. This is absurd. I keep getting their XXXX call center, and no one is interested in making sure they are accurate. They just want to say they are right.

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 09/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I have a complaint opened, XXXX. I can not update this one so I am submitting another. 

I just got my statement from HSBC. My payment, with ESCROW is XXXX. I submitted a payment of {$1000.00}. They posted a double payment with interest and ESCROW, then extra principle. All extra monies should be applied to PRINCIPLE. HSBC keeps doing this and it is like fighting a brick wall. They produced multiple statements with different balances for the month of XXXX. They are making this very difficult. I do not know if they just do n't know what their doing or they are doing it on purpose to wear me down. 

I am sick and tired of this and would like cfpa to take a harsher stand for me. It has been going on since XXXX of 2016 since the complaint and the ESCROW misdirect has been going on for years that I have been fighting with them. 

I have attached statements, getting 2-3 a month over last 2 months. Different numbers that do not make sense. The most current is a blatant incorrect posting of my extra payment. Also, instead of show 2 entries

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (KY).
Issue: Account opening, closing, or management

Complaint: I purchased a mattress from XXXX in XX/XX/XXXX, with the delivery date scheduled for XX/XX/XXXX The day they delivered the mattress, they gave me a statement that showed all of my charges, totaling {$1100.00} XXXX with tax ). It took almost a month before I received my bill from Wells Fargo. When received it, I immediately noticed I was charged for XXXX mattresses instead of XXXX. I had my original charge on XX/XX/XXXX but was for some reason charged again on XX/XX/XXXX I have contacted both mattress and more, as well as Wells Fargo and have come to no resolution. I was told by a Wells Fargo Representative that my minimum amount due is {$77.00}, which is double what it should be since I was charged for more than XXXX mattress. I was also told that while this is being looked into, I still have to pay on the account, or will be charged late fees. I notified them that the double charge has also reflected on my credit report and I was told they would complain about it but nothing has been done. XXXX and More told me this was all a mistake on their end, but that they 've resolved it. Unfortunately, it looks as though nothings been done on the end of Wells Fargo, as every time I call them my amount owed is still showing the same.

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 01/17/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: Wells Fargo Mortgage took over my home mortgage from another bank. 
Since Wells Fargo Bank did not offer COFI based ARM mortgage product, it moved me to a new index Federal COF Index. Wells Fargo insisted me to go with the new Federal COF Index which supposed to be more stable and reliable. Well, it has been over 5 years and all these years, I am losing so much on Interest charged on these loans. It has been at least XXXX basis points for all these years, resulting a loss of about {$20000.00} in interest 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 10/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was sick because of a XXXX of which now i have XXXX XXXX from the hospital directly, XXXX, and a XXXX because of my XXXX they advised me if i had any issues that they could be resolved of which when i was very very sick that they had taken advantage of me and my mental staite and condition of which i advised the installer of the home security system of and the company assured me of any issue that they could be worked out however they was not they Hillcrest Davidson and Associates sent me a letter threatening to take me to court which was illegal they didnt they just ruined my credit and charged me for 5 years of an alarms system because i missed some payments due to sickness in the amount of XXXX i call the company of which the security system came from they apologized to me for this happening to me but they said that they could do nothing for me, this company has left their home alarm service in my home of which they refuse to pickup and i am being charged for it and 5 years of service this is extortion for such a system and a 5 year contract at first i was OK but now after experiencing their customer service and that the collection agency is arrogant against me i just want this all to end and my credit returned and restored before them. under the Federal trade comission this is a XXXX fine that they should be fined for sending me such paperwork but i want the federal trade comission to contact the credit bureaus for what they said under my multiple disputes to have this removed and then contact the debt collector and fine them so that they cant lie about what was sent and communicated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: It all started back in XXXX when I noticed on my XXXX credit report the the XXXX XXXX XXXX file had a statement that it had been sold to another lender and on the status their was no date when it would fall off. I complained to XXXX through their complaint portal, and that was when XXXX XXXX went in in XX/XX/XXXX and reaged my account and caused my credit score to plummet. And on the Equifax file it has no closing date, and they removed a statement that said in was. Under investigation. The only one that shows correct is XXXX with an opening date of XXXX XXXX, of XXXX and a closing date of XXXX XXXX, XXXX. I have not done anything that would give them a reason to reage this account on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: In 2014 I attempted to get a deferment on my student loan as I was not making enough moment each month for regular repayments. I had gotten several deferments for forbearance for the same reason over the years. Eventually I did get the payments deferred, but I have a " late '' payment in XXXX 2014 on my credit report. It dragged my credit score down XXXX points and now I have trouble getting apartments and believe it will cause me problems if I attempt to purchase a car or home.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with JPMORGAN CHASE & CO. (GA).
Issue: Unauthorized transactions or other transaction problem

Complaint: I found on    XXXX    that  3  payments of  255  were sent to the wrong account. I orignaly setup online payments to go to account nick named   XXXX   XXXX  . I was informed that only  2  payments were sent to this account before the account changed to a  XXXX   XXXX  nick name and the money was going to a different account. The amount is for  XXXX  and I received a credit on  XXXX / XXXX /  XXXX  .  XXXX   XXXX  did not keep me updated on this case and I had to call weekly to get an update. I finally called again on Sunday to find they denied my claim. I was told that they denied it because the issue occurred in the same geographical location I live in and the same  XXXX  address. This is not a valid explanation and I let them know this. I work with IT and know that people can spoof networks and  XXXX  addresses with ease. I asked to be escalated once the agent I was talking to refused to provide me additional details about this case, give me access to my online account ( so I could see the transactions and research my self ) and they refused to help me further. I was escalated to an agent who called himself "  XXXX  ''. "  XXXX  '' refused to give me a last name and claimed it was Chase  XXXX , however every other agent up to that point gave me their full name ... This agent was abusive and rude the entire call.  XXXX  told me it is my fault and that i need to see what my money is doing at all times. This is an interesting statement as I am limited in what I can see. This agent, after berating me for  XXXX  minutes and refusing to help, hung up on me. I have been reasonable and tried to work with  JP   Morgan  Chase but they are refusing to work with me. I spoke to wells fargo who the money went to and they told me the only thing I could do was ask the account holder to look into this on their end with the reference numbers seen below. They did suggest however that I ask Chase to do a  XXXX  on the transfer and that this is somthing  XXXX  does all the time with Chase. When I asked Chase to do this they refused. When I asked to speak to another agent, Chase refused and hung up on me. I fell completely helpless and taken advantage of by this bank. I do not have a lot of money and  XXXX  is a LOT of money to me. Please let me know any information you need that I  may  have forgotten. The claim number for this with  Chase  is :  XXXX .   My name :  XXXX   XXXX   XXXX  Phone :  XXXX  Email :  XXXX  XXXX  XXXX  Below are the transaction dates, amounts, transaction number and reference number for  XXXX   XXXX .    XXXX / XXXX /  XXXX   - {$250.00} online payment  XXXX  To  XXXX   XXXX  :  XXXX   XXXX / XXXX /  XXXX   - {$250.00} online payment  XXXX  To  XXXX   XXXX  :  XXXX   XXXX / XXXX /  XXXX   - {$250.00} online payment  XXXX    XXXX   XXXX   :  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2017 about Debt collection (Other debt) with Source Receivables Management LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have account on my credit report that doesnt belong to me I disputed with credit bureaus and XXXX sent me a notification in the mail with someone elses name on it. Sent validation letter received nothing but a bill with someone elses name on it

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 non-monetary relief
Consumer complaint received 07-07-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (WI).
Issue: Application, originator, mortgage broker

Complaint: PNC Mortgage is demanding that I provide documentation of cash deposits ( which I can not since they were cash amounts I saved over years ) even tho I have an amount for the down payment from clearly documented sources.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My " XXXX '' account. 
This account is reporting incorrectly ... .The balance is being reported incorrectly. The account was paid in full on XX/XX/2016. The reports was updated to XXXX balance XX/XX/2016. 
On the XX/XX/2016 thru XX/XX/XXXX Trans Union appears to be reporting the balance incorrect. The new balance as of XX/XX/2016 was {$1.00} XXXX statement. 
According to XXXX they claim to have reported {$1.00} as the current balance XXXX/XXXX/2016. However the balance is still reporting at {$1400.00}. Request was made to Trans Union on the XX/XX/XXXX to update to the correct/attached to a XXXX Balance. 
Please have the correct updates made to reflect the correct reporting/balance/High credit limit. 
Thank you, 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