milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (KY).
Issue: Loan servicing, payments, escrow account

Complaint: I made a request to Wells Fargo Home Mortgage to close an escrow account on XXXX XXXX, 2017. At that time I was informed by Wells Fargo that it takes them 7-10 business days to close an escrow account. Due to an issue with Wells Fargo applying funds to my account, the actual account closing was n't processed until XXXX XXXX, 2017. The account was actually closed by Wells Fargo on XXXX XXXX, 2017, XXXX business days later. According to Wells Fargo a check was cut on XXXX XXXX, 2017. Since I had not received the check from Wells Fargo by XXXX XXXX, 2017 I called them back to inquire as to why I had not received the disbursement. The representative informed me that a check was cut on XXXX XXXX, 2017. However, after inquiring further and after the representative dug further, apparently the check was not actually sent until XXXX XXXX, 2017, XXXX days later or 3 full business days. I believe that this is a intentional effort by Wells Fargo to delay sending funds to their customers in order for them to take advantage of interest earned on balances held during the float period.

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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: I have attempted several times in past week - XXXX XXXX to freeze my credit with equifax continuous ERRORS after several screens others XXXX and XXXX also want to charge me even though XXXX million of us were hacked time to step up and make them FREEZE OUR ACCOUNTS NOW - cost {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Late fee

Complaint: I am XXXX and I have a bunch of bank accounts and credit cards. I tend to watch things using wave accounting which generates reports covering everything making my life easier. Today I received the following report : XX/XX/2016 LATE FEE FOR PAYMENT DUE XXXX $ Uncategorized Expense MBNA Card I hope to prevent this in the future as I have put an " event ' in my smartphone calendar to remind me to pay it on the XXXX of each month. But I sincerely wish that Bank of America would notify me by email a day BEFORE they access the penalty, rather than using a big " net '' to rake in money from thousands of card holders who may make the same error I did. This is not fleecing XXXX, but I am sure they make lots of money this way and I believe that as a courtesy they should automatically send me an email a day in advance so that I may remember to pay it, rather than hitting me over the head with a hammer with a {$37.00} charge. I am a good bank of america customer, but I am afraid that there is some XXXX somewhere in the Bank of America corporation who gleefully manages the collection of these charges.

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 07/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Credit report is still the same

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have been a customer of Chase bank for a while. I used to have many credit cards from them including chase freedom, because the good experience with them, I even closed my XXXX XXXX XXXX debit card and opened chase debit card savings and checking account. 

I am working as a XXXX XXXX XXXX at XXXX XXXX XXXX, where I am serving the biggest client XXXX XXXX. XXXX XXXX has many travel partners, so in XX/XX/XXXX, I used my chase freedom account to buy XXXX usd XXXX gift cards for XXXX XXXX travel partners becasue the company credit card was not working. This is guided and approved by my president. But in XX/XX/XXXX, I  suddenly found out that Chase closed my chase freedom account without checking with me. Generally other banks will call me, and check with me on the purchase, Chase didn't check with me and closed my account directly. 

When I called them, they said becasue my purhcase is big, which is XXXX USD out of the XXXX USD credit line they issued me. Chase also said I have no credit history, if i don't have credit history, why chase would approve the credit for me before?? Although my company didn't reimburse me all the money in time, I was still paying the chase freedom way more than the minimum amount they required. I don't understand why they close my account and gave me the reasons that doesno't make sense. 

I talked to the other two chase staff about this issuse, they either said they can not talk about it. Or they tell me, i can reapply the credit card but they can not reopen for me. Becasue I just compared the XXXX plaitinum card with Chase sapphire reserve, so I feel chase sapphire reserve is a better option for my travel plans. So I applied for that card again. Which I used to have one, but my husband closed it. Chase declined my application, and said the reason is becasue I had the unsatisfactory performance with them, which means I can not apply for any of their other credit cards, and what they told me i can reapply is the lie. I totally not accept the treatment I gained, i know I am a XXXX and I have language barries, but I feel i receive the great unfair treatment from Chase. All the customer services i spoke with are rude, and they don't tell me the reasonable explanations of why they closed my acocunt without chekcing with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Vehicle loan or lease (Loan) with Byrider Franchising, LLC (WI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: urchased a XXXX XXXX XXXX from XXXX XXXX with my auto loan going through their loan company XXXX AKA XXXX XXXX. On XXXX XXXX XXXX my neighbor hit my car while it was parked in our driveway. A claim was filled with her insurance company. 2 days after the car was hit the transmission started to slip. The next day it completely stop running. XXXX ( neighbors insurance carrier )  refused to cover the transmission damage if I could not find a mechanic who could verify that the transmission issue are due to the accident. I though this would be common sense since I 've had no issues with my car until it was hit. I brought the car to my dealership since they did the maintenance services and could verify that there had been no previous issues with the car and that that accident caused the transmission problems. They were not able to prove that the issues was due to the accident. A check was issued for the body damages in the amount of {$2000.00}. It was issued in both mine and the lien holder name. I voluntarily surrendered the car back to the lien holder as I did n't not have the money to fix the transmission. they wanted to take the insurance payment and apply it to my balance but I have refused to sign the check because I am still with out a car to drive. In XXXX XXXX sent me a letter advising that they had sold the car at an auction for {$300.00}. they continye to contact me asking me to sign over the check to them but I refused. The check eventually expired. On XXXX XXXX XXXX I received an email from XXXX stating that the check had been reissued. I called in and was told that XXXX requested that the check be reissued. The XXXX rep advised me that the request was originally denied until they could submit proof that they still owned the vehicle. Per XXXX XXXX sent them a title as proof. I called XXXX and spoke with XXXX who is the general manger and asked how they have a title if they sold the vehicle. XXXX stated that he did not know anything about the situation and that he would look into it and call me back. I never got a call back. I called and spoke with a XXXX who hung up in my face after I refused to get off the phone until she told me who XXXX supervisor was. I called back and spoke with a XXXX who told me they did n't have to provide me any information. I called back and left a voice mail on XXXX phone asking for proof of sell. I still have not received a response. Either they sent a invalid title to XXXX trying to collect the insurance money or they never sold my car. I can not get anyone there to talk to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
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: One XX/XX/XXXX XXXX XXXX of XXXX XXXX XXXX XXXX charged my card with out any authorization from any part. He did not obtain a signature from anyone authorizing the transaction or any written consent to do so. A dispute was filed for services not provided and fraud in XX/XX/XXXX and now again in XX/XX/XXXX for fraud again. The banks the processed the transactions XXXX XXXX, Capital One, and Capital One 360. Did not due there due diligence in investigating the claim. The never made a followup to allow me to address his false position and defend myself against XXXX XXXX defaming letter ( s ). They never even made any attempt to verify if the charges were indeed authorized which they were not. There is not any correspondence or signature to authorize the claim. In one letter to XXXX XXXX the letter state the charge was " Called In '' and the receipt shows it was swiped. 

These banks failed to protect me as a consumer and this attorney has indeed committed fraud. 

I pray for you assistance in this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Account opening, closing, or management

Complaint: My husband and I had separate checking and savings accounts with Navy Federal Credit Union. We also had one checking account together. My own separate checking account had fraudulent activity in the amount of over probably {$20000.00}. Navy Federal CU was great handling the fraud claim except for not receiving claim status details in the mail. They stated when asked that I could see any activity that was taken by them by simply looking at my online account. Customer service stated I could see the Provisional Credits by seeing the adjustments, etc. The fraudulent activity was verified to be true & correct. What happened was I was over paid in the amount of {$7900.00} they said because Visa verified or approved that is was valid claim. So all of a sudden on XX/XX/2015 my account showed a negative balance of that same dollar amount. I called them and they stated they send a regular letter by mail stating this would happen within the next two two weeks before the XX/XX/2015 I never received the piece of mail and stated that something that big and important be sent certified since it was going to have a huge bearing on my families lives. Anyway I said I understood the overpayment. Then to my surprise they confiscated all money that was both of my husbands and my account. They took ALL of his direct paycheck that was on an automatic deposit through the XXXX of the XXXX where my husband has worked for about 26 years. So they continue to take all of our money until the balance was paid in the amount of the {$7900.00}. I called them to say that I was sick and we only had one income coming in and it was my husbands. I told them how could they leave us without any money for food, groceries or anything. I told them numerous times that my husband and I were willing to work out a payment plan where they could deduct a certain agreed upon amount out of his paycheck until the debt was paid. I could not understand how that this was legal. It finally got to the point where my husband that to stop his direct deposits so that we could have money to pay our bills like the house payment, groceries, gas, utilities etc. They were so rude about this. I complained to a manager and they stated if there was something they could do that they would be in contact. They never did contact us. They also shut off my debit cards and closed our savings accounts without any warning. If this was legal what they did how come they handled this so poorly. I would n't this stress on any military family or anyone for that matter. Can you let me know if there practices where legal or not? We also incurred tons of overdraft fees because payments were denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts and hard inquires I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, und er Section 611 ( 5 ) ( A ) of the FCRA- t hey are required to * ... promptly delete all information which can not be verified ''. That I have disputed, please resolve this manner as soon as possible. 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 02-08-2018 about Debt collection (Medical debt) with GOLD KEY CREDIT, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX and XX/XX/XXXX, I was covered by Medicaid for all medical expenses. This company is trying to collect a debt that I do not owe and does not belong to me. I have request Gold Key Credit, Inc to provide validation of debt from original consumer, which I have not received any information relating to my request. I would like Gold Key to remove this derogartory collection account from all credit bureaus immediately.

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 02/17/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I purchased a home for {$98000.00} with XXXX down, we financed {$96000.00} at 9.25 % interest rate upon which we now owe {$94000.00}, and now that we are ready to refinance our current mortgage company is refusing to accept a refinance unless the entire interest for the life of the 30 year loan is paid ( interest fees at 30 yrs 9.25 % = {$180000.00} ) in addition to the current balance of principle owed. Is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: starting in XXXX 2017 until XXXX 2017 i have had serveral unauthorized charges on my Chase checking account. Chase Bank has denied refunds for most of these unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: JP MORGAN CHASE and XXXX are DUAL TRACKING MY MORTGAGE XXXX sent me papers to help me work out a modification plan. While I was trying to work out the modification plan JP Morgan Chase was processing a foreclosure. I did not know who I was supposed to contact who I was supposed to work with to get help with the mortgage. XXXX told me that I have to work with them. So I completed applications sent forms and yet JP Morgan Chase has foreclosed without any notification to me. MY HOME IS SET TO BE SOLD XXXX XXXX, 2015. How can they lead me to believe I am getting this preapproved modification while they are foreclosing on my home. I received no court papers only the papers XXXX sent AFTER I FILED A COMPLAINT. I am at a loss what steps to take, the Attorney for Chase said that it did not matter that I was working with XXXX on a modification that JP Morgan Chase was foreclosing anyway. According to what I have read on the National Settlement they are restricted from doing this. 
The National Settlement stated that to .stop this illegal practice that I had to immediately file a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I had a collection removed in XXXX 2015 and now it is

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 09/13/2017 about Debt collection (Other debt) with Aldous & Associates, PLLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I joined XXXX 's Gym a couple years ago. When I went in and signed up I was told all I need to do was visit my local gym to cancel my membership/call. All I needed to do was call/visit at least 30 days before my contract was up and inform them that I wanted to cancel. I visited the GYM and called at least 5 times to be told it was cancelled and I would n't receive any further charges. This happened month after month and they were charging me. 
On the last call she told me that the reason I was still being charged was because I needed to cancel 60 days in advance and that was the reason I was still being charged. I asked them to please review the phone calls that are " recorded '' and they would hear the previous reps that informed my husband and I that my membership would be cancelled. I have now noticed it hit my credit report and never received anything informing me that I still had a membership and am being charged-owe money!! I followed their instructions and kept calling to cancel. How can I owe money for something that was cancelled and when my contract was over! The first call to cancel was in XXXX and continued from there.

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 07/22/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: The Bank withdrew Funds-money from my account without my knowledge OR permission to do so.This was due to the failure of my credit card payment. Todate i never got my money back

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
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: Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX ( COPY OF LETTER SENT TO CAPITAL ONE, MINUS MY IDENTIFYING INFORMATION AS PER YOUR INSTRUCTIONS ) Subject : Continued Erroneous Reporting On Account XXXX XXXX, XXXX To Whom It May Concern : Thank you for your letters to me regarding the above referenced account ; however, I must respectfully bring to your attention that you continue, in fact, to incorrectly report the above referenced account to the credit bureaus in violation of stated law. Accordingly, copies of this letter, have been forwarded to the CFPB, and the AG office for the state of Texas. <P/>Also, if after this letter you still refuse to delete the account from XXXX and XXXX, I will also be unfortunately forced to re-open the bankruptcy and file a case for contempt of action on your part where I will also seek redress and financial remuneration for damages. Since the bankruptcy was filed pro se, I will do it yet aain.
<P/>Case law demonstrates that continuing to negatively report an account on a discharged debt is a violation of the discharge that accompanies a bankruptcy. In the same connection, also changing any notation of the account constitutes a violation as well. <P/>Accordingly, as per federal case XXXX vs. XXXX XXXX Services, negative reporting of the discharged debt constitutes a violation of the permanent injunction of my discharge ( Bankruptcy Case Number XXXX ), and, accordingly, there would be a violation of the FEDERAL COURT ORDER with the continued reporting of the discharged debt.
<P/>
Also, literally ANY changes made to the Capital One Account in terms of anything relating to the account ( i.e. status, account number, included in bankruptcy notation, etc. ), constitutes of a violation of the permanent injunction, subsequent to the filing of the bankruptcy. <P/>Finally, the FTC Letter to XXXX demonstrates that my conclusions are warranted and within the parameters of the law. <P/>Accordingly, in consideration of the violation, a deletion of this account to the credit bureaus is hereby again requested. <P/>Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation