milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX we refinanced our mortgage with JP Morgan Chase. At the time they were offering a XXXX % cash back program if you agreed to have your monthly mortgage payment withdrawn from your Chase checking account. We already had a checking account with Chase so we signed up. As promised, every year around XXXX we would receive our cash-back bonus deposited into our checking account that is until this year. In XXXX XXXX we sold our home and paid off our mortgage with Chase. At the time we had somewhere in the neighborhood of {$70.00} or {$80.00} in our cashback rewards account. After waiting for over 5 weeks I started trying to contact Chase through the secure message system online. Each time my message would not go through so I finally called them. The girl that I spoke with had me on hold for quite some time then indicated she needed to research the issue and call me back. She called back and indicated that since our mortgage was paid off we are not entitled to our cashback rewards. I was shocked, we upheld our end of the agreement guaranteeing them payment each month through automatic withdrawal so I asked her for a copy of the terms of the agreement that state we are not entitled to the cashback if the account is paid it full prior to the rewards anniversary date. She said that it was not included in the terms and conditions but if I disagreed with their position I could fax a letter to their research department. I will be faxing said a letter and in it I will again request a copy of the terms and conditions that state that I am not entitled to my cash back reward. I wanted to see if you had received any other complaints from consumers on this issue. I tried researching it on the internet but was unable to find anything specific to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE CONTACTED THIS COMPNAY WEEKLY ABOUT FALSE INFORMATION BEING ON MY CREDIT REPORT AND THEY HAVE DONE NOTHING!!! EVERY TIME I CALL THEM THEY CLAIM THEY HAVE PUT THINGS IN DISPUTE BUT THE WHEN I CALL BACK DAYS LATER I AM TOLD THAT THEY PREVIOUS REP LIED AND THINGS HAVE NOT BEEN PUT IN DISPUTE. I CONTACTED ALL OF THE COMPANIES LISTED UNDER MY INQUIRIES AND WAS TOLD THAT THEY HAVE NEVER RECEIVED ANY INFORMATION FROM TRANSUNION. I WAS ALSO TOLD THAT BECAUSE THEY WERE FRAUD ACCOUNTS THAT TRANSUNION SHOULD HAVE DELETED THEM IMMEDIATELY! THIS COMPANY HAS DONE NOTHING!! THEY HAVE A XXXX XXXX ACCOUNT ON M CREDIT REPORT THAT I WAS LISTED AS AN AUTHORIZED USER ON ... .THAT ACCOUNT HAS BEEN TERMINATED AND THEY STILL HAVE IT LISTED ON MY CREDT REPORT!!! I CONTACTED XXXX  XXXX AND THEY ASKED ME WHY WAS IT EVEN ON MY TRANSUNION REPORT!! I DISPUTED IT AND CONTACTED XXXX  XXXX AGAIN!!!! AND THEY INFORMED ME THAT THEY HAVE NOT HEARD FROM TRANSUNION!! SO THIS IS LISTED AS A NEGATIVE ON MY CREDIT REPORT AND IT SHOULD NOT EVEN BE ON MY CREDIT REPORT!!! THIS COMPANY HAS XXXX YEAR OLD STUDENT LOANS ON MY CREDIT REPORT AND I HAVE TRIED TO BE NICE AND WORK WITH THEM BUT THEY JUST GIVE DIFFERENT ANSWERS AND LIES!!

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 04/25/2017 about Debt collection (Credit card debt) with ERC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I am getting many phone calls attempting to collect a debt asking for a person that has a different name than mine. It is only the same first name. They tell me they will stop calling me and they continue to call. Now I am got a letter in the mail. The letter has a contact phone number and they do not answer the phone it goes to a voicemail. They are not returning my calls. I am not this person they accuse me of being!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: Account noXXXX XXXX XXXX XXXX, I called Wells Fargo 's automated systems, and was told that my available Val was {$100.00}. On XXXX XXXX, I was told that XXXX checks had been returned! Check no XXXX for {$60.00} and ck XXXX for {$25.00}. Both of these e cost {$70.00}. For the bank relieve took {$70.00} out of my account and we are paying the companies a total of {$70.00}. Which is {$14000.00} For XXXX Check totals! 
We have been with Wells for a while, and make weekly deposits. I believe this is retaliation because, we have filed a complaint before. They reimburse us, because they were at fault! 
This is happening again and again!!! What is going on? 
And {$35.00} for the companies. 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 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (AZ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My identity was stolen and now I have multiple hard inquirys on my credit report that was not authorized. Its affecting my credit big time.

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 03/22/2016 about Debt collection (Medical) with Law Offices of Vincent J. Buzek (CO).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: A representative XXXX from law offices called me a firstly did not mini or maxi miranda me. I did not fell as though I was treated as at least a sophisticated consumer nor treated with dignity, respect or manners. When I asked the female representative to please send me something via post mail because there are lots of scams and phising companies to get consumer identities and money. If she would send me a validity of the debt, she expressed " i 'm not going to send you anything we have been sending you things since 2015 and you have n't paid us ''. I explained that as a consumer it is my right to have a written copy of this debt she still explained that she is not going to send me anything and that I can come and get one in the office which is in XXXX. I then explained that that city is miles away from me and that I am unable to go and retrieve anything from the offices. Representative XXXX hung up on me Upon reviewing my credit report, this debt is not on my credit report and representative is perhaps lying about the debt or the validity of the " law offices she works for ''.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Bank account or service (Checking account) with PNC Bank N.A. (DC).
Issue: Account opening, closing, or management

Complaint: I have filed bankruptcy and I need for it to show in the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (FL).
Issue: Fraud or scam

Complaint: We were scheduled to close on a house on XX/XX/2016 - all cash deal and have the money wired to the title company in the sum of {$540000.00}. On XX/XX/XXXX we had {$530000.00} wired from our private brokerage account XXXX who banks with XXXX wire the above sum to XXXX No : XXXX and {$8000.00} wired to the same account from Chase. XXXX got a red flag that this was a fraudulent account and stopped all wire transfers and nothing was wired. ( That account was flagged as a fraudulent account and this individual is a known felon and can not sue ) A police report was filled out on behalf of my husband and I and transferred to Detective XXXX. Case # XXXX. 

On XX/XX/2016, XXXX returned {$530000.00} to our XXXX account and we took out an additional {$8000.00} so we could close all the while being told by Chase that it would take a few days to return the {$8000.00}. 

Fast forward 3 weeks and XXXX & Chase keep pointing the finger at each other. The money has never left XXXX so I do n't understand why they wo n't return the {$8000.00}. XXXX is stating Chase needs to sign a Uniform Indemnification Agreement that will allow XXXX to release the {$8000.00} to us, however, if for any reason a lawsuit comes out of it, XXXX is not held responsible and Chase takes 100 % responsibility. Chase refuses to sign this as they do n't even have the money. My husband and I agreed to sign anything that we will not bring legal action to either bank. XXXX met with their legal team and they will not accept that. The case number for XXXX is XXXX. 

The people we have spoke to at XXXX are as follows : XXXX ( Fraud ) - XXXX XXXX - Branch Manager - XXXX ( go between us and legal ) XXXX - District Manager - XXXX The people we 've spoken to at Chase are : XXXX - Branch Manager where wire transfer took place - XXXX XXXX - Executive Director Market Director - XXXX We appreciate any help you can provide us in getting our {$8000.00} back. I appreciate your taking our situation seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Payday loan () with Red Cedar Services, Inc (NY).
Issue: Charged fees or interest I didn't expect

Complaint: after being solicited i took payday loans in ny 7 years ago which to my understanding now was illegal to lend here then. Then i got a lawyer and they got em paid but charged me more than the loans over time.I a XXXX year old XXXX vet and these debts are paid they are all response via email and i do n't know how to send them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (TX).
Issue: Confusing or misleading advertising or marketing

Complaint: for over last 2 weeks they end up hanging up on me

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Debt collection (Medical debt) with Ability Recovery Services, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/XXXX I filed a complaint against this company. The complaint number assigned was XXXX. On XXXX/XXXX/XXXX The company responded to the complaint the following : Company responded STATUS Company responded on XXXX/XXXX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We have requested validation from our client and will send it to the address in this correspondence once received. 

Today is XXXX XXXX, XXXX and I still have not received a response from this company regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Consumer Loan (Installment loan) with HONOR FINANCE, LLC (IL).
Issue: Shopping for a loan or lease

Complaint: I had contract with Honor Finance for a car that they financed ( XXXX XXXX XXXX ). Each and everyday, Honor Finance would call, text me then send an email to my employer 's email regarding payment. I have asked verbally, and have sent written notification for Honor Finance not to call or send emails to my job, but they continue to ( see attached ). About a week ago, I traded the XXXX XXXX. I spoke with XXXX XXXX and let him know that I no longer have the car and to contact XXXX. XXXX was furious and after a few words, abruptly hung up the phone on me. Calls and emails continue even as of this date XXXX XXXX, XXXX and I am stressed out and harassed by Honor Finance customer service and XXXX XXXX. I need for this to stop as it has elevated my XXXX XXXX. If you look at my emails from XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX where I clearly state for Honor Finance not to send emails to my job, BUT, they continued to do so. XXXX XXXX always threatened to take the car and report a bad rating on my credit. He even told me that he was doing me a favor by letting me keep the car.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX is showing on my credit report that XXXX XXXX XXXX XXXX XXXX, which I am a member of has conducted a hard inquiry on my account/credit history without my authorization on XXXX XXXX, 17.

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 02-12-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (IN).
Issue: Problems when you are unable to pay

Complaint: I have been experiencing extensive issues with Chase Auto Finance ( XXXX XXXX XXXX XXXX KY XXXX ) approximately since XXXX XXXX. Daily, repeated, telephone calls to my personal cell phone escalated into calls to my work phone. After 3-4 phone calls to my employment phone, I demanded Chase Auto Finance never contact via my work phone. Chase Auto Finance has complied with this request ; However, their over-aggressive collection tactics ( that of which stems from one ( 1 ) unsuccessful monthly payment ) have developed into an atrociously diseased business practice. On XXXX/XXXX/XXXX I telephoned Chase Auto Finance to make a {$360.00} payment on the balance due of {$720.00} via debit card. The representative I was speaking with questioned why I was not paying the balance in full. I responded by stating the funds were not available, I would settle the balance due upon receipt of my Federal Tax Return, and that information was not of her concern. She then inquired on the date of when I would receive the tax return, and if it would be direct deposited. I informed her this was " none of her business '' and, with concern for fraud/scamming, refused to provide an approximation of the date of tax return funds. The representative responded aggressively, claiming no payment would be accepted unless it was the full balance due. I explained to her this was untrue as I have made partial payments on prior occasions. The representative became argumentative and at that time my demeanor changed and I demanded she accept my payment towards the total debt owed. The representative then stated that my proposed payment would be accepted if paid by giving her my bank account information. I refused to provide this information and restated I would pay by debit card. At that time she claimed a debit card could not be processed for this transaction. Arguing ensued, with talk of repossession of the vehicle by both myself and the Chase Auto Finance agent. The agent claimed that Chase Auto has the right to repossess a vehicle at anytime. I became agitated and ordered her to accept a debit card payment or to forward my call to a manager/supervisor. The supervisor was polite and non-argumentative but did attempt to coerce information about the approximate date of my Federal IRS Tax Return. 6 days ( on XXXX/XXXX/XXXX ) after this incident and successful payment of {$360.00} to Chase Auto Finance, I received multiple phone calls from phone # ( XXXX ) XXXX. I returned the call only to discover it connected directly to Chase Auto Finance. To my knowledge, Chase Auto Finance 's contact # is XXXX -or- XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Michael Haynes & Associates, LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: We had a small business during hurricane XXXX and took a loan from XXXX, after the disaster we lost the business, years later collection companies started calling about the balance of the loan and we told them the situation, the fema and Sba has helped us get back up and running but this new collection company keeps trying to collect on our loss, we made the mistake of giving our checking account but he never processed any payments because he tried to get more each time

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 Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (OR).
Issue: Taking out the loan or lease

Complaint: I purchased a new bed in XXXX and financed it with Synchrony Bank. I almost did not buy the bed because the payment was too high. The Manager at XXXX dealt with the financing and told me the payment would be $ XXXX/per month. I have this in email, I agreed to buy the bed. I received the first bill and the payment was not what I was told it would be and was $ XXXX/per mo. I tried to return the bed but I was not receiving a response to my calls or emails regarding this. I then had to move states abruptly and in doing so it seems I missed a payment. I have received nothing but harassment from the bank. I do not understand how if I was one payment late, how can I make 3 payments in one month and still be getting these calls that I am behind. I have good credit and pride myself on paying my debts. I have not received an accounting of my account and I want the constant harassment to stop. I have seriously paid out {$490.00} dollars in one month on an account that the payment is {$110.00}. HOW AM I STILL LATE???????

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 06/24/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: On XXXX. XXXX I received an authorization from JC Penney 's, XXXX, for a reselection of a new mattress, due to our being found to be defective. This process started in XXXX of XXXX. 

We were to reselect a new mattress, pay for this transaction and receive a refund of our defective mattress after they picked it up. We purchased the new mattress and it was delivered on XXXX XXXX, XXXX. Our defective mattress was picked up at the same time. 

The original purchased occurred on XXXX XXXX, XXXX and was placed on a JCP credit account I opened on that day. During the reselect, I informed JCP that I had closed my account in XXXX and was told they would send a check once they issued the credit and discovered I no longer had an account. JCP issued a credit to the original account, now handled by Synchrony Financial , Bank, previously GE Financial. The original account was closed by GE in XXXX XXXX, due to some sort of fraud, at which time they issued a new account. I paid off this account and asked for it to be closed on XXXX XXXX, XXXX. 

I have spent hours talking with representatives and supervisors at both JCP and Synchrony Financial, who confirmed that JCP issued me a refund of {$2600.00}, on XXXX XXXX. This credit went to the original account, which had been closed due to fraud because that is where the purchase originated. On XXXX XXXX, XXXX, I spent almost two hours speaking to four different people including two supervisors, one in fraud and one in credit, at Synchrony Financial. The money is still sitting in the original account and they refuse to release it to me. I have provided all info they requested and yet they tell me they are still trying to figure it out. 

The original reselect email sent by JCP states, " Once the defective merchandise is checked into our warehouse your credit process begins. It usually takes approximately 3-5 business days to post to your account.

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 06/15/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Application, originator, mortgage broker

Complaint: I started the application for a mortgage with Bank of America since XXXX XXXX of this year. I was promised a closing date of XXXX/XXXX/16. The date got delayed to XXXX then now XXXX. They have tactically requested repeated financial information from me to justify the delay and as of this morning ( 2 days before the third closing date ), they want me to call a third party agency to do a credit supplement check on credit cards that I have already supplied statements and written letters for. If the loan does not come through, I loose my earnest money and other costs associated with buying this house. I have filed several complaints with the bank but was ignored. My loan officer said he is sick and never called back. I can not get anyone to respond. This is just a night mare and no one should have this experience. I have all of the email history to prove their incompetence.

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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE TRIED SEVERAL TIMES AND SENT IN COMPLAINTS AND FAX IN REGARDS TO ID THEFT THAT OCCURED ON MY ACCOUNT. I LOST MY PURSE. IT WAS REPORTED TO XXXX COUNTY SHERIFF AND XXXX XXXX POLICE DEPT. THEY BASICALLY TOLD ME THERE WAS NOTHING THEY COULD DO. I WENT IN TO GET CAR FINANCING TO FIND MANY ERRENOUS ACCOUNTS ON MY CREDIT REPORT DUE TO IDENTITY THEFT THAT I HAD NO IDEA EVEN EXISTED. PLEASE CONTACT THE 3 BUREAUS ABOUT THIS MATTER SO I CAN RESOLVE OUTSIDE OF CIVIL COURT. I HAVE ASKED FOR MY REPORT TO BE CLEARED OF THESE COLLECTIONS AND FOR THESE ACCOUNTS TO BE UPDATED MY IDENTITY WAS STOLEN BACK IN XX/XX/2005 AND I'VE BEEN BATTLING THIS FOR YEARS. WHY AM I BATTLING WITH THE CREDIT BUREAUS WHEN THEY ARE HERE TO PROTECT THE CONSUMER. I ASKED FOR A FRAUD ALERT TO BE PLACED ON MY ACCOUNT. AND THE FOLLOWING ACCOUNTS REMOVED. 

THESE FORMS HAVE BEEN SENT VIA FAX AND THEY SAY WE NEVER RECEIVED THEM. HOPEFULL THEY'RE RECEIVED FINALLY!! 

XXXX XXXX XXXX XXXX/ XXXX XXXX ACC NUMBER XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX AT THIS TIME I HAD INSURANCE THIS WASNT ME AND IT NEVER WENT THROUGH MY INSURANCE XXXX XXXX/ XXXX XXXX Account Number : XXXX CREDIT INQUIRIES COMPLETE DEPARTMENT STORES, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief