milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I received a promo certificate in a mail from Chase Bank to open a checking account, set up direct deposit of minimum of {$500.00} a month and my account will be credited {$300.00} in 90 days. I went to the brach in XXXX, CA ( XXXX XXXX XXXX, XXXX, CA XXXX on XXXX/XXXX/15 and opened a checking account, deposited XXXX XXXX dollars to the account and set up partial direct deposit to test the services. It is XXXX and I have not received a credit of {$300.00} as of yet. I contacted the person that opened my account ( XXXX XXXX XXXX XXXX # XXXX ) and asked him to look into this matter. He stringing me along for a week and now, keeps coming up with excuses such as I was a Chase previous customer before and promo for a new clients only ( why this was not disclosed by him originally ), or I need to bring minimum of {$50000.00} dollars as an investment to the branch in order for his branch manager to make an exception with {$300.00} credit, or did I give you a print out confirmation that you are eligible for the credit of {$300.00} when I opened your account?. The person is disohest and not able to explain all terms upfront in full, he gets paid on services he generates with the knowledge that he is doing something wrong and let 's clients believe that things did n't work out or issues will go away on it 's own. This is a terrible customer service and intentional fraudulent conducts that has to be punished for the sake of Chase clients. Please look into this matter to prevent future fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with LENDING CLUB CORP (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I was told my interest rates would be low and I wasn't told about a Principal and I was told with each electronic payment from my bank account the payment would be subtracted from the amount I owe. I requested for a {$10000.00} loan but all I received was {$9400.00} and they started billing me for {$10000.00}. Every month since it was started they take out {$390.00} from my bank account. I went online to check my balance and it had not went down but up. I called to ask what was going on and the person I spoke to could not tell me why and he also could not tell me why I did not receive the whole amount I had initially asked for, but they are having me to pay for {$10000.00} loan. I have paid three times on this loan of {$390.00} and the next payment is XX/XX/2018 that they will be taking out of my bank account. I was lied to and they are just draining me out of my money at this point what they are doing I will never be able to pay off this loan. I am so tired of getting the run around. Car note loans, Students etc never raise the balance after you pay on them but this company is not fair taking my money and continuing to raise the balance. It was suppose to be a fixed rate of 4.99 %

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Payday loan () with CASHCALL, INC. (NC).
Issue: Charged fees or interest I didn't expect

Complaint: XXXX 2013 I Took out a XXXX dollar loan with XXXX XXXX. immediately I was charged a {$500.00} Processing Fee. when they money and the paper work came in I found out that I was paying 233.40 percent annum on this loan. I felt like I was getting taken advantage of because the way they processed the loan I was not aware that the interest rate was so high. My payment was XXXX per month. the total loan pay back was {$4800.00} and the interest pay back was {$3800.00}. My loan was transferred to Cash Call in California before my first Payment was ever maid. I thought something seemed fishy but I went on to pay the loan and pay it off on time. The loan was drawn directly from my bank account on ACH. I recently found out about this Lawsuit that the CFPD had with Cash Call and come to learn that Cash Call and XXXX was breaking the law with this loan and they were over charging interest and Processing fees to me. NC State Statute XXXX caps the interest rate at 30 % and only allows lenders to charge us {$25.00} Processing Fee. According to North Carolina Law I should have only paid {$360.00} in interest and Fees. I was over charged by {$3900.00}. List below is a loan calculator results with what should have been a legal loan with western sky and Cash Call. I certainly hope that CFPD follows up with this and I can see a refund of all the over charged interest and fees. 

Calculation ResultsThe calculation results for the loan payoff calculator appear below. 
{$1000.00} LoanMonths to pay off debt:XXXXTotal interest you will pay : $ XXXXTotal to pay back : {$1300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I see XXXX pulled my credit and I never authorized this.

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 09/20/2017 about Debt collection (I do not know) with EOS Holdings, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This debt collection company just recently inserted a debt for {$290.00} for creditor XXXX under account number XXXX. I have cut and pasted my original dispute with this creditor from 10 months ago. I have no knowledge of debt/fraud. The original creditor should have notated this in the records or the collection agency by accident listed this account on my reports. 


XXXX XXXX, XXXX Completed XXXX Reported on XXXX XXXX, XXXX {$290.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 
Dispute Reason Ownership : This account was fraudulently opened by someone who stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized Credit Inquiry XX/XX/2017 XXXX/XXXX XXXX, FL XXXX ( XXXX ) XXXX-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 05/20/2016 about Mortgage (FHA mortgage) with PNC Bank N.A. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I was in the process of selling my house and notified PNC for the payoff and what day we will be closing, XXXX XXXX. PNC provided the information we requested, however they made the decision to pay the property taxes early and in doing so the property taxes were paid twice. I called PNC and on XXXX XXXX and they said they would look in to the issue and get back to me, they never did. I had to call several times and never got a definite answer. They said they called the XXXX XXXX tax office and never got a returned call. I called the same tax office and was told they have no notes or calls from PNC on this issue. THe tax office told me that PNC uses a XXXX party like XXXX to pay a lump sum. {>= $1,000,000} as an example, in XXXX check and they provide the amounts and property addresses to apply the funds. The amount PNC owes me is almost {$5000.00} dollars.

Company response to consumer: Closed
Consumer complaint received 02/23/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (WA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: To whom it concern, We went to make a payment on our Best buy account on Friday, XX/XX/XXXX, and were told they wouldn't take a payment because the account had been charged off. They gave us the phone number to contact on Monday, XXXX XX/XX/XXXX, which was to the Citi bank Recovery Department. The recovery department said they couldn't talk to us after until XX/XX/, when the account would be sold. We said that we could possibly pay the account off in full, but we couldn't do it a they store they said. We can't afford to pay them off, at this time. Our complaint is that we never received any communication from Citi or Best Buy, that we missed a payment in XX/XX/XXXXor XXXX, and that were in danger of having the account charged off. The account was last payed on XX/XX/XXXX, when we entered a payment program with Best Buy on the phone, and the payment was to be XXXX a month with no interest. We never received any communication that the account was late or in danger of going into a charge off state. They never contacted us by phone, or a written letter.

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EARLY WARNING SERVICES, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Recently I went to  XXXX    XXXX   to open an account. I was denied b y Early Warning.  I requested a copy of the consumer report, where to my dismay, I found several inaccuracies.     Please note that I was a victim of identity theft, and attached is a copy of the corresponding police report. Moreover, I also recently filed bankruptcy and some of the accounts were included in the bankruptcy.  See Bankruptcy Notice of Filing and Discharge.      I have also included a copy of my most recent   XXXX   report which will substantiate this information for you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My old apartments claimed I owe more than they sould have when I moved out and sent me to collections for the false debt because I refused to set up payments for the wrong amount. After several months the aparments corrected their error, did not offer to set up payments and left me in collections. 
The collection agency posted the false amount on all XXXX credit major credit reporting agencies. The collection agent has all the documentation which clearly states what could and couldnt be charged but still reported the wrong amount. I called and could not get them to correct the issue and was even told to " Learn how to read my lease ''.

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 03/15/2017 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016 I started to receive a service fee of {$7.00} for a Quicken ( software ) service that I do not use on my BBT Personal Checking Account. I have used XXXX on my computer for about XXXX yrs and have never been charged a fee from any bank. I email BB & T and told them I do not use and do not want this service and to cancel it and credit my account. At that time they did give me a credit. This continued to go on throughout the year. Towards the end of the year, XXXX did n't even connect anymore to BB & T and I had to Manually download transactions and yet I still was getting charged a {$7.00} which I had to ask for a credit. I emailed and called many times about this issue and repeatedly expressed that I do NOT want this service and if it continued I would close my account and take my business elsewhere. Well it did not stop I changed banks and was waiting for one check to clear to bring the account to a {$0.00} balance. On the day the check cleared, another charge for {$7.00} for this service I repeatedly told them I did n't want was put on my account as well as a {$36.00} NSF charge. I immediately called the XXXX number and told them about this. She told me should open a ticket and research the matter and I would hear back or receive the credit and that SHE could n't give me the credit. I told her I wanted the account closed but now it had a negative balance. I called back a week later to follow up since I had n't heard anything or seen the credit on my account - this person again told me they would open a ticket and she was at least able to refund the {$36.00} NSF charge - she also told me she sees the account as closed. I also called a local branch near my job to see if they could help close this account and he told me that the account was showing as closed and the only he could do was make sure no more debits came through the account ( which did n't happen ) as I now started to get charged a monthly maintenance fee of {$12.00} and another {$36.00} NSF fee - who keeps charging a " closed '' account??? I call again ( about 10 times ) and The bank then proceeds to tell me since I 've already received a credit within 24 months they ca n't credit me. And some of the reps were not very nice or helpful, in fact they were downright rude and one even hung up on me! Who does that to a customer?? Now we 're getting letters that it 's going to a collection agency. This is absolutely absurd. NO ONE AT THIS BANK would assist to credit my account the money that I should never have been charged in the first place. Please HELP. 
BB & T needs to credit my checking account {$67.00} for their own fees that they charged on my account including service fees for a service I NEVER USED.

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 06/27/2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received anything from CACH , LLC about a debt I owe them until the Sheriff Department served me with a Summons ( XXXX/XXXX/2014 ). I got legal representation righ after this. My attorney requested that CACH , LLC send them validation of debt. Neither XXXX of us ( my attorney & myself ) never received any validation stating the debt is mine. In XXXX of 2014 I pulled all three of my credit reports and the collections was on my credit report. I was denied credit with XXXX because of this negative impact on my credit report. Since CACH , LLC could not verify the debt and I answered the summons they dismissed my case. But they are still reporting this debt on my credit report as belonging to me without verification of the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-05-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Credit line increase/decrease

Complaint: Bank of America has me in a credit card with an annual fee. The same exact card is available without and annual fee and has been for quite some time. I have been through so much trying to get a straight answer on why I have the fee but others do n't. They take the Equal out of Equal Credit Opportunity Act. The employees are sarcastic and fake, the service is terrible and they lied to me on multiple occasions. To the point where I will always call back and ask a new rep to verify what they told me is true. So far all of my complaints directly to them have fallen on deaf ears. They are truly terrible to work with and unfair to bank with. Unless you are EXTREMELY qualified you will get no benefit to banking with them, you will only get fee 'd to death and sarcastic service. 
My additional complaints are they are quite rude about credit limit increases. The girl specifically told me that if I requested one and it was n't approved there would be inquiry on my report. I did as she instructed and guess what! She lied. I called and asked about it and the rep I got said " no she lied to you '' ... ..How does that benefit anyone? 
Bank of America is a failure. They are failing their customers and their shareholders. I will be sure to not direct any of my future investments to anything remotely related to them. 
For the record this can be filed under multiple entries, which I probably will just to make sure the many complaints are categorized appropriately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/27/2016 about Debt collection (Auto) with Adler Wallach & Associates, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: AWA Collections, of XXXX, has acquired a debt of {$640.00}, plus {$32.00} in interest, from XXXX XXXX. This is a debt XXXX alleges I owe after renting a car last XXXX in XXXX. 
I attempted repeatedly to inform XXXX, and then AWA Collections, that I have already paid part of the fee and the rest is being charged in error due to mistakes by XXXX. Specifically, the company shows me renting a car different than the XXXX I actually rented and returning it three days later than I actually returned it. I provided documentation showing both errors by XXXX, but to no avail. AWA Collections was similarly disinterested in the truth when contacted by mail. 
I have already rightly been charged, and paid, {$380.00} for the car rental. I should not have to pay the remaining debt charge of {$260.00}, much less the combined amount ( plus interest ) that AWA Collections is seeking. 
I appreciate any assistance the Bureau of Consumer Finance can provide, and am glad to submit supporting documentation upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (CT).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: XXXX XXXX has no way to separately apply late fees for payments on their app or on their website. Paid the full amount including late fee and they do n't apply it properly, then send late fee notices, make calls for collections and then I say it they have been paid with my total amount. They still do n't apply the payment properly. Finally send an email to them to fix it, they communicated back they applied it properly after months. They instead added them all together, charged {$30.00}, sent me another bill to collect the late fees, when I already paid them. I called them again today and the conversation went no where. They asked me a like 10 questions about my account and they still could n't help me. It has been a terrible customer experience. 

At this point, I need help to resolve this current matter, but for the future they need have a way to appropriately apply payment amounts to the proper buckets like late fees, extra principle etc.

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Never applyed for a refinance loan with any of these companys

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (IN).
Issue: Account opening, closing, or management

Complaint: I applied a checking account with BMO Harris on XXXX with a promotion code. The promotion said that I can get {$200.00} bonus if my account receives direct deposit over {$300.00}. I opened the account at a branch and also showed the promotion letter ( code included ) to the banker. Every month there are XXXX direct deposits going to that checking account from my employer. But until today XXXX/XXXX/2016, I have n't received the bonus. I called BMO customer. The representative asked for the promotion code when I opened the account. Well I do n't have it since I threw it a few months ago. I do n't know what to do now..

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 06/20/2017 about Vehicle loan or lease (Loan) with SYNCHRONY FINANCIAL (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: Sir or Madam, I am writing to obtain a Loan Release Letter from SYNCHRONY Financial, headquartered in XXXX. Loan has long been paid off, I do not have loan no. but my Social is XXXX, Vehicle in question is a XXXX XXXX motor scooter : VIN. No. XXXX vehicle was purchased from a XXXX dealer in XXXX XXXX. I am registering a complaint against Synchrony Financial, after several attempts to get them to at least acknowledge that they are at least working on my request. I am in urgent need for this lean release letter, ( I understand these things can take some time ) but at least acknowledge my request and confirm that you ( Synchrony ) are working win it. Respectfully, XXXX XXXX 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 10-08-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: I have money unexplainably being deducted from my account without trace of any transactions. My balance simply changes without any withdrawals taking place. Then when I call the bank 's customer service they say that everything adds up and they do n't know how it might have happened. It has happened more than once and the first time they refused to investigate and so did the police claiming I did n't have " physical Proof ''. This time I do have a screenshot of what my balance was just yesterday and without any trace of where the money went, I wake up with {$180.00} less in my account and it keeps happening! XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Deposits and withdrawals

Complaint: I wrote a check for {$220.00}, and Wells Fargo posted the check for {$2200.00} which overdrafted my account by {$1700.00} and left me with bills to pay and just a few XXXX in my bank account. They told me there was no recourse I could take and that it would be XXXX days before I can get my money back, even though this was by no fault of my own. I am now left to live on {$150.00} for however long it takes them to fix this error.

Company response to consumer: Closed with monetary relief