milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Chase bank has aided and abetted XXXX to defraud my credit card account, which money was lender to me by Chase on a high interest rate, by refusing to investigate a fraudulent transaction on my Chase credit card. I have filed a dispute to Chase about the transaction and I spoke with XXXX XXXX XXXX whom we have explained what happened and shown evidence of the court docket and declaration of our lawyer as a proof that the transaction was fraudulent and the contract with XXXX was breached. I have requested Chase to get back my stolen money from the merchant, but Chase refused to protect me and took the merchant 's side, just because of their unlawful interest is to make more money by collecting the high interest rates over the {$3500.00} that was defrauded from me. Background : On XXXX XXXX XXXX I have paid XXXX the sum of {$3500.00} with my Chase Credit Card to bail my husband, XXXX court. The case was XXXX on XXXX XXXX, XXXX. After that my husband has contacted XXXX company to inform them that the charges have been dropped to a XXXX and ask them about the new condition of the bail. But due to this was the XXXX my husband has been arrested, XXXX took advantage of his lack of experience ( XXXX ) and refused to tell my husband the truth that he has been OR-d ( Own Recognizance ) from bail and also refused to inform him that XXXX XXXX XXXX XXXX has failed to post his bail bond to the court, as agreed, which is totally a violation of the contract and of my husband 's freedom by not informing my husband that his bail is no more required by the court. Due to this their fraudulent intention, we assumed that my husband is still on bail and for that reason he could not travel for business oversees or out of state. On XXXX XXXX, XXXX court date, my husband 's lawyer, XXXX XXXX requested the court to waive the bail on my husband, and that 's when we found out that my husband has not been on bail. The court had no information about XXXX posting any bond on behalf of my husband as XXXX have claimed. Due to this reasons XXXX breached and violated our contract with them and took the {$3500.00} without earning it. We have tried to contact them several times asking for a refund but they refused to cooperate and hanged the phone on us.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, I tried to transferred {$490.00} ( total charge to my credit card with fees was {$500.00} USD ). 
However, the money never arrived, or could not be received in XXXX as promised. 
Even though, I inquired or called several times the issue was never resolved. 
Then, I tried to cancel using the same online system ( or App ) without avail, and instead I was instructed to call to process the cancellation. 
On XX/XX/XXXX, after I called again I was told that the transaction was cancelled and that I would received my money back. 
But, as of today ( XX/XX/XXXX ) I have not received the funds back. 
Basically, I been given the the run around, and been hand up over the telephone several times, and have felt completely helpless and without recourse. 

MoneyGram Reference Number / Tracking : XXXX Please, help because this has happened several times already, and it is not fair how MoneyGram collects the funds and then takes no action to even let you know that something is wrong ( instead you have to call them! ), and makes no effort to correct the situation ( and, even lies, hands up on you after waiting for ever on hold! ).

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've been disputing these charges XXXX. I contacted the original lender XXXX who was supposed to be working with XXXX college with regards to the refund amount that was supposed to be sent back to the original lender. That was never completed by XXXX XXXX and the amount owed is inaccurate for only attending for a period of 8 months of a 2 year program. XXXX never sent a the original lender the refund required and the lender charged off the account due to XXXX never responding to the lender at the time so the lender sent the entire balance for collection. Please see attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: -There are two users on my Chase checking account with ATM cards. 
-One of the users had a fraud alert that caused Chase to replace their ATM card at the end of XXXX. During that call, the user of the account requested whether we should proactively close 

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/17/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Making/receiving payments, sending money

Complaint: Placed a stop payment on a merchant. The stop payment did not stop the transaction and I understand it is not guaranteed. I then requested to dispute because it was unauthorized, the representative refused. The representative continue to communicate that it is not guaranteed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (I do not know) with Collections Acquisition Company, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Reported to the credit bureau that I wrote a bad check to a company I NEVER had any dealings with- its is called XXXX and the check is in the amount of {$4400.00}!! I have disputed with XXXX - but they said the collection agency isnt taking it off- EVEN THO the collection agency CAN NOT produce ANY Proof- Because there is NONE- I HAVE NEVER WROTE A CHECK TO XXXX- much less XXXX for $ XXXX THATS A HECK OF ALOT OF SODA- dnt you think?!!!!! This is ridiculous, and these companies can not be allowed to do this WITHOUT PROVING their claims for collections!! this is ruing my credit- and its fraud!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX used XXXX different collection agencies to settle a {$360.00} debt. Those collection agencies were XXXX and AFNI. Again they are the same debt. I settled with XXXX and am no longer in an outstanding status with them. AFNI still shows that I owe the same amount I already settled with XXXX. It is harming my credit by remaining open and outstanding when I in fact paid and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (OH).
Issue: Account opening, closing, or management

Complaint: I opened a checking account in XXXX 2016 that had a {$100.00} promotional bonus. I met all the requirements needed to get the bonus but keep getting the run around when trying to determine when the bonus will be applied.

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 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Under the FCRA, unverified, invalid accounts must be removed. 

If Capital One is unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from credit reports including but not limited to XXXX, XXXX and XXXX XXXX. 

I demand the account be verified, that I be provide PROOF or removed immediately! 
The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

On or about XX/XX/2017 I submitted a request to Capital One to provide me " wet signature '' actual proof of authorization to report any credit information according to the Fair Credit Report Act, Section 609 ( a ) ( 1 ) ( A ). 


Despite numerous, requests, Capital has not removed from the reporting agencies information for : : Capital One a/c XXXX XXXX XXXX XXXX Capital One a/c XXXX XXXX XXXX XXXX I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed below : The fair resolution to the is for CAPITAL ONE to remove any credit information they are reporting unless they can provide HARD COPY PROOF TO ME through the physical verification of the original signed certified consumer contract - of any and all accounts o be posted and or reported on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Afni collections is trying to collect XXXX from me after XXXX has determined that the initial amt owed has been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Told on XXXX/XXXX/XXXX I am not entitled to new acct incentive despite meeting all requirements

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Re : Cheat on interest calculation I paid down my mortgage principal XXXX/XXXX/17 and they continue to charge me the same interest amount from XXXX to XXXX without the deduction of XXXX. I called them and find out they do this for all their customers and they did this for years. This practice needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My credit report is a mixed file. It contains the address, name and credit accounts of someone in my family with the same/similar name.

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 04-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have a master card issued by the Bank of America, that I have been using over 15 years since XX/XX/XXXX. Throughout those many years, I never missed a payment each month while using the card. With a good performance in use and timely payments, the card 's total credit line was quickly increased to {$38000.00} and kept at that level until recently. 

It was just months ago in XX/XX/XXXX that, without an explanation, the Bank of America first time in 15 years reduced my card credit line to {$37000.00}. Then, suddenly last week, the Bank of America, again without any explanation ( not even a notice! ) cut down my credit line to one-seventh down to {$5700.00}. I was shocked to find such a drastic reduction. Furthermore, there was no reason that I could think of or provided by the Bank of America. 

I happened to find that sudden, shocking reduction of my credit line by the Bank of America when I logged on to its website on XX/XX/XXXX for online banking. Upon finding, I called the Bank of America and was told by its representative that the cutdown of my credit line was made as of XX/XX/XXXX. When I demanded a reason or explanation, he had no idea. After making a long pause with the phone line on hold, he came back and told me simply to call TransUnion. That was it. When I asked him whether a letter or notification was ever sent out to me about the matter, he initially said no, then changed to yes. But, later, he admitted that there was no letter or notification sent to me regarding the matter. To date, XX/XX/XXXX, I have not received a letter or any form of communication by the Bank of America regarding its drastic cut-down of my card credit line. 

As suggested by the representative, I reviewed my latest credit report by TransUnion later but found no change, other than the Bank of America 's incorrect reporting on my mortgage payments made to it, which is listed as " adverse account '' as the result. The Bank of America also made incorrect reporting on my monthly payments to its credit card. 

This is an unacceptable business practice and abuse of power by the Bank of America over small customers like me. Its unjustifiable, sudden, drastic cut-down of my card credit line has already caused some damages to me. It also negatively affects my credit scores by credit agencies, which will have negative ripple impacts over time. The Bank of America should be responsible for all the finanical damage and emotional distress it has caused with its unjustifiable, sudden, drastic reduction of my card credit line. 

I can provide any documents related to my statements above.

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 06/16/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems when you are unable to pay

Complaint: Santander has been charging me unreasonable amounts of interest when a payment is late, to the tune on {$300.00} per month. I was not informed of this practice at signing, or ever after, until I noticed my loan had not decreased XXXX dollar in 6 months. Also, their obscene 24.99 % rate is undue hardship on me. I believe that XXXX and Santander have an inside deal which has XXXX steer consumers toward these bad loans, because they know in the end they will just have the same car on their lot to resell. 

Santander is disguising outrageous late fees within " simple '' interest, and it is unfair and unjust. XXXX is no better, the agent who sold me the car told me to put higher income than I made, then turned around and gave me the worst loan available.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Debt collection (I do not know) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company was reporting debts on my credit report that were unfamiliar to me. After seeking legal council I was advised to exercise my right to request validation of the accounts pursuant to the Fair Debt Collection PracticesAct. In correspondence dated XX/XX/2015, the company received my demand for validation. This company simply ignored my request and did not bother to respond to me, concurrently they verified the accounts with the credit bureau following my dispute with the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have a report of XXXX hard inquiries reflected on my XXXX XXXX reporting of my transunion credit report. There should only be XXXX : XXXX of the inquiries were made on the same date, and were made to obtain an auto loan ( had I know the car dealership was going to do that, I would not have authorized the inquiries ). According to all the credit scoring information out there for consumers, these should only show up as a single hit to my credit score, but they 're not. They 're showing up as XXXX. I tried asking the lenders for a letter of deletion, as I was instructed to by transunion, but the lenders refused, saying that to do so would be illegal.I have asked transunion to remedy the problem, and was directed to ASK THE LENDERS FOR LETTERS OF DELETION THAT THEY WILL NOT PROVIDE. The scoring model that XXXX uses is the XXXX model, and XXXX will not fix the problem either, directing me back to transunion. Meanwhile, I 'm trying to get a mortgage and can not pull my score up by those XXXX, very necessary, points. I feel as though I 'm being held hostage by this process and have no remedy except to sue somebody, an that wo n't solve the problem quickly enough to help me secure the mortgage I need to get my family into a very reasonably priced home.

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 non-monetary relief
Consumer complaint received 07-01-2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (WA).
Issue: Application, originator, mortgage broker

Complaint: I began a refinance process with Quicken Loans. They are my current mortgage holder, and I refinanced a year ago with them. I was told at that time that if interest rates changed, that I would be able to refinance again with no costs. So I started the qualification process with them in XXXX 2015 I believe.. What happened over the next two months was inexcusable. In summary, Quicken destroyed my credit rating with their excessive Hard Inquiries on my credit report. XXXX in one day in fact! My credit score went from approximately XXXX to XXXX in a matter of weeks. I took out no new credit, In fact, I paid down my credit cards. I have spoken to them numerous times about this and they deny any responsibility for the steep decline in my credit score. Yet the data from XXXX XXXX tells the entire true story.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i believe im a victim of identity theft and fraud.i am unable to get my credit report due to not knowing answers to questions about activity in 2009. I have never applied for a mortgage loan, ive never owned a credit card, ive been trying to establish my credit and this is an issue. my report from XXXX was accurate except for a few addresses listed, equifax however did not allow me to obtain a report based on the information they have not matching my information. please help me to obtain my reports so i can see what is wrong and i can go about filing report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Debt collection (Other debt) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX has placed a collection in the amount of {$470.00} to all credit bureaus that does not belong to me, after contacting the company requesting proof of such debt, they have refused to send any proof of this collection

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Credit determination

Complaint: AMEX reported me to the credit agency because my credit card was XXXX {$100.00} over the {$10000.00} credit limit. I have been am AMEX customer for twenty ( 20 ) years. I was n't late or delinquent. In fact, my card is set up for auto payment, so I thought I would never have to worry about paying or checking my statement. When I spoke to AMEX, they said that rather than deny my use of the card, when it went over my credit limit, they instead unilaterally decided to " offer me the courtesy '' of not having my charge denied. This is completely unacceptable. I would much rather have my card denied, at the credit limit set for that card, than have my credit score negatively impacted. I have other cards and other means to pay for things. I do not have any way to get my now diminished credit score back. Something is very broken at AMEX for this situation to arise. I get electronic alerts from AMEX whenever anything looks amiss with regard to fraud, etc., I 'm baffled as to why AMEX could n't have automatically sent me an email letting me know they had approved charges above my credit limit so I could pay off some of my balance. I 've NEVER been late in paying my balance in twenty years. This is totally unacceptable. I hope CFPB is able to do something about this. Thank you in advance ...

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying for months to remove the PMI from my mortgage for a year. I filed a complaint with the CFPB against XXXX XXXX and just as I was close to a resolution they sold my mortgage to Chase and I began the whole PMI removal process again. I sent a written request to Chase to remove the PMI as I have met the requirements for removal. As described in my second letter to Chase requesting PMI removal dated XXXX/XXXX/16 I have met the LTV ratio requirement below XXXX % and have no outstanding or late payments. I feel as if Chase is taking advantage of their valued customers. It is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (I do not know) with ERC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX, 2017 - Received unwanted robo call from XXXX at XXXX:XXXX XXXX and I returned the call at XXXX The robo call says if we want to get a paid in full report, press 1, if we want to stop calls to this number press 2 and enter your number, or to speak to a customer service agent press 4. I did n't press a number, but then was connected to a representative representing " ERC '' who said that he was on a recorded line and asked me if I was " XXXX XXXX ''. I said no, how did they get my number? ... then the representative hung up on me.
I am registered with the National Do Not Call Registry. I would like the company to refund me the cost of wasting my time {$200.00} or the penalty under the Do Not Call Registry, at their option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation