milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I went to the Chase branch in XXXX in XXXX XXXX in Florida to sign up for XXXX credit cards. XXXX business credit card XXXX Chase XXXX XXXX XXXX and XXXX personal card XXXX Chase XXXX XXXX XXXX. Promotion said that in order to get XXXX points for the business card and XXXX points on the personal card I need to apply in the branch. So I did. 

I applied with the branch representative first for the business card and while she was typing in the data for the business application I was asking about the personal application too. She told me that as long as I apply in the branch, that I will get XXXX points offer. I asked how the process for that goes and she said that I can either wait for her to finish so she can take the second application or that I can start the application online and she will make sure it goes to the proper channels so I get the bonus. 

I got approved for the business card and got my XXXX points but I did not get XXXX points on my personal card. Explanation chase gave me about this ( 3 months later by the way ) is that my application although done in the branch was supposed to be initiated in the branch in a special way, something that the banker who took my card application did not do. 

I tried to talk to the Chase marketing department about this but they refused to honor the promotion. 

I have XXXX credit pulls at the same time on the same day done by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: my escrow payment when up last year on the amount of {$1900.00} no one has been able to explain why and now my mortgage went up from XX/XX/XXXX and XX/XX/XXXX in the amount of {$30.00} and they are not giving me a clear explanation either. I believe that Nation Star Mortgage books

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Deposits and withdrawals

Complaint: I have opened a bank account at PNC Bank, last month and i have been waiting for my check book, and have not received it, but there is a check on your account that has been cashed without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MD).
Issue: Other service issues

Complaint: I have been using paypal for my business for 7 years. paypal with out notice or warning closed my account and his holding thousands of dollars that they will not release until 180 days. paypal gave me over XXXX different reasons why they closed my account which include reasons that did not violate their terms and conditions. paypal says they are parting ways however they are still holding private information like an ssn. paypal has caused me severe financial loss and crippled my business. they mishandled disputes in which a buyer claimed they received an empty box instead of an XXXX. paypal refunded the buyer even though i had a letter from a fedex supervisor stating they were there when the buyer opened the package in front of them and indeed there was a XXXX inside. I also provided paypal with an fbi report however they allowed the customer to keep the phone and the money. paypal has caused me enormous losses and this can not be ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAB Receivables, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CAB Collection continues to verify and report to the credit bureaus a debt that is a result of identity theft. The address where the utilities was set up is an address to which I never lived and I never authorized the transaction. I have a police report on file and have sent to all XXXX bureaus. The reporting of this account is not only inaccurate but it is causing me and my credit rating serious damage. I needed to let this go on record since CAB is n't willing to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax, XXXX and XXXX keep reporting outdated negative information. I disputed a number of things over XXXX yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over XXXX yrs ago by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ).
Issue: Fraud or scam

Complaint: Interested in buying my car through XXXX when I put my ad. Immediately he sends me check XXXX dollars in 2 days, I deposited the check to my bank account from company XXXX XXXX XXXX now assuming its fake one and wo n't get cleared. The next day he calls me to transfer XXXX dollar, I send through MoneyGram service for some movers in Florida location as though he is moving to nearby location I send them XXXX including fees to someone name XXXX XXXX in Florida. Again the next day calls me saying sorry could not buy my car since he already got one from mother in law with cheaper price and asking me again to transfer remaining amount to different location for about XXXX dollars this time I found out he is kind of guy and fraudulent I stop replying to his messages on XXXX ( XXXX ) XXXX or sending emails he keep contacting from unknown numbers. Any help /support would be appreciated to get my money back which I paid through MoneyGram XXXX for XXXX dollars I have receipt of the payment I did and other details please take action and resolve the matter and also moreover bring these people to justice ripping the consumers online.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently had an investigation conducted for my account with XXXX XXXX XXXX XXXX. The account says that my XXXX 2015 payment was 30 days or more late ; however, this bill was paid. This bill was not 30 days late, and this is evident in the reversal of the late charge on XXXX/XXXX/15. This is included from my online account summary.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have not received any mail or calls from the lender since XX/XX/XXXX when it was charged off my account. Then yesterday a collection company called my cosigner and asked for a payment of {$4000.00} toward a debt from XX/XX/XXXX of {$14000.00}. The collection company also told her that by paying {$4000.00} her financial responsibility as a cosigner would be removed. I have not received any notice of right to dispute, nor was it mentioned in my call today. As far as I was concerned this account was charged off and it does n't even appear on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Balance transfer fee

Complaint: I completed a total of XXXX balance transfers from Chase to XXXX XXXX account. The XXXX XXXX transfers with no transaction fee charged, however during my XXXX balance Chase charged {$190.00}. Chase claimed my account has a two month window to do transfers, since the card was opened in XXXX 2015 and the XXXX transfer was made in XXXX XXXX, 2015. I do n't recall see the disclosure that states about two month window for balance transfers. I offered to pay back the balance transfer ( {$6500.00} ), Chase declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2016 about Debt collection (I do not know) with Sherloq Group, Inc (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I discovered the debt collector on my credit report. I mailed them XX/XX/2016 requested they provide full legal validation. They have not responded

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NC).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied via XXXX XXXX for a Chase Freedom card. My husband had already applied, was approved immediately and received his card. We both have XXXX credit cards. A XXXX XXXX XXXX. Of which we both have our own. And a XXXX card. Which is in my name and he is only authorized user. So technically, he only has one credit card. 
My credit scores are higher than his. ( Or they were then ) I WAS DENIED. 
They gave two reasons in one place on their letter. 1. Oldest revolving account has not been opened long enough. 2. Too few accounts on file for a sufficient length of time.

Further on in their letter, they gave 4 more reasons. 1. Balances on revolving accounts are too high compared to credit limits. 2. Lack of recent installment loan information. 3. Too few accounts currently paid as agreed. 4. Too many accounts with balances. 
I have ( 2 ) credit cards. No other debt. Except rent, utilities, etc. My credit score per their letter per XXXX is XXXX. My total balance is {$280.00}. I will attach their letter albeit with my notes scribbled on it. 
My husband is XXXX. I am XXXX. And I am a woman. He was approved instantly. I was denied. Yet I have more credit for longer. More good credit. And higher credit scores. 
When XXXX exposed everyone to identity theft ( with impunity ) I froze my XXXX Credit Report. However, prior to applying for the Chase card, I had it unfrozen. Is there something going on here because of that? 
The only thing that is different is my age and my gender. 
This is discrimination pure and simple. 
Can you do anything to rectify this? 
Thanking you in advance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I check my Experian credit reported, I notice Virtuoso SourcingGroup post on my credit file. The debt collection laws clearly been violated. The law is clear Debt collections suppose give me chance to validate debt { 30 days }, Virtuoso did n't do that, and this debt was Identity theft file with XXXX. This practice is unethical also illegal

Company response to consumer: Closed
Consumer complaint received 04/21/2017 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I have  XXXX  mortgages on rental townhouses both initiated at the same time ( on or about  X/X/2016    ) with  XXXX   XXXX   XXXX   XXXX   (    XXXX   XXXX   XXXX   XXXX  , NC  XXXX  ). During signing, it was disclosed that the loan servicer would be Dovenmuehle Mortgage (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Illinois  XXXX  ). We have paid on time and are current on both mortgages. I am have never filed bankruptcy and we always pay on time for all our debts.     However, it recently came to my attention that while we were receiving electronic statements on one of the mortgages, we were not on the other. Believing this was an error, I contacted the company by phone today and spoke with a customer service agent as well as a supervisor, both of whom stated they are unable to and would not provide monthly statements on the mortgage. The reasoning they gave was because the loan was " set up to be paid with a coupon. '' Even though both loans were setup the same way and that a coupon book payment has no bearing on their responsibility to provide a statement, they insisted it would not happen. They even went so far as to say that statements I had received on the other mortgage were in error and would stop after they fixed the problem!     This is in violation  12 CFR Part 1026 ( Regulation Z ) which requires that a mortgage company provide timely statements.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX XXXX '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-09-2015 about Credit reporting () with EARLY WARNING SERVICES, LLC (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Years ago I had someone purchase a car with a cashier 's check. Car was gone and check deposited into my account at XXXX XXXX Credit Union. Few days later, money was withdrawn to purchase another car but found out later that the cashier 's check was canceled. Could not find the people so the car and the money were gone. I had lost my job and was unable to pay the debt to the credit union. They took it to small claims court and I had filed bankruptcy due to losing employment and divorce. Debt to the credit union has been discharged. I ended up moving to another state and tried to open a local bank account, but found that the credit union has me listed with Early Warning Services as a fraud user. I have several emails with the credit union explaining if I pay the debt they can release my name from the fraud list. This violates the terms of bankruptcy code as well as Fair Credit Reporting Act. I just would like my name off the list in order to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WV).
Issue: Billing statement

Complaint: # 1 ... Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$320.00} { XXXX-ISSUES } ... ... ( # 2 ... 30 days past due as of XX/XX/XXXX ) ... .on my Capital One Credit Card. 

# 1. Concerning the above statement : I lived in XXXX, ( where the MAIL Service is NOT SO GOOD ... often NOT AT ALL )! Did ''NOT '' or never did get ANY STATEMENT or NEW CR EDIT CARD, from Capital One, ( after XXXX , sold my Account to Capital One Credit Cards ). I lived in XXXX., from, XX/XX/XXXX, until XX/XX/XXXX. I DID NOT GET ANY STATEMENTS FROM ''CAPITAL ONE ''. DESPITE ''NOT '' receiving any Statement, ( THUS NOT KNOWING WHAT I OWED OR EVEN THE PAYMENTS OWED ), I CONTINUED TO MAKE EVERY EFFORT, TO PAY, EACH MONTH, MY MONTHLY PAYMENTS. ( Paid at least {$15.00}, to $ XXXX-Dollars per Month, during the period from XX/XX/XXXX, until XX/XX/XXXX. 
I was Hospitalized XX/XX/XXXX ... ... ( had a Hospital Bill of almost $ 4,000-Thousnad Dollars ). This is the reason I was LATE with the XX/XX/XXXX PAYMENT for my Capital One Credit Card. Because I was in the Hospital, ( XXXX ). Stayed in the Hospital for 6-Days, at XXXX XXXX, XXXX, XXXX. 
Due to my Hospital stay, ( actually I had forgotten about making my Capital One Credit Card payment ). I thought I had already scheduled this to go out. I was wrong! But once I realized this ... ... XX/XX/XXXX, I MADE NOT ONE BUT 2-PAYMENTS FOR XX/XX/XXXX. 
Despite this ... ... THE COMPANY ( CAPITAL ONE ), PUT ON MY CREDIT REPORT, THAT I HAD BEEN LATE ... .. ( which was TRUE ). But there was a REASON ... .. ( ''NOT '' an Excuse )! 
I called CAPITAL ONE, asking them to REMOVE my LATE PAYMENT ... ( as this was the only time I had EVER BEEN LATE, with ANY PAYMENTS, to them. 
***CAPITAL ONE, told me that they were going to HAVE THIS REMOVED*** ( THE LATE PAYMENT, XX/XX/XXXX ... ... TO DATE THIS HAS ''NOT '' BEEN DONE AS OF YET? 
Hopefully, Capital One, with get this request accomplished. As all XXXX-Credit Agencies are reporting my Capital One Credit Card ( as being late over 30-Days, in XX/XX/XXXX ). 

# XXXX ... .Please REQUEST that CAPITAL ONE, & ALL XXXX AGENCIES .... ( TAKE OFF MY LATE PAYMENT OF XXXX, XX/XX/XXXX ). Due to my Hospitalization, at XXXX XXXX, in XXXX, XXXX, ( for 6-Day 's XX/XX/XXXX ), PLUS ''NOT '' RECEIVINGANY STATEMENTS whatsoever, when I lived in XX/XX/XXXX , from XX/XX/XXXX, until my return in XX/XX/XXXX. 
Thank you for your help concerning me trying to get my Credit in order. 
Respectfully, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX I lost my debit card and drivers license. A week later I noticed activity on my account. I went to my bank and they filed a claim for me, cancelled my debit card and ordered me a new XXXX. On XXXX/XXXX/XXXX, I received XXXX letters stating that they had completed their investigation and the charges were valid. I called customer service and what an ordeal that was!! I was transferred around and back and forth to different departments for over 2 hours. Not XXXX rep knew what they were doing or where to send me. Finally I spoke to a manager and her said he would help me resolve this. Apparently, someone deposited fake checks totaling {$1800.00} from XXXX XXXX bank into my account. In the time that it took them to find out they were fake there were several withdrawls made, a purchase and even a fake check from my account that was cashed at an ATM that has a live teller on a screen that processes transactions. I did n't even know they had those. All of these transactions were done in XXXX. I live in XXXX and have not been XXXX. After explaining this numerous times the manager, XXXX said he would file the claims for me and get this investigated. I called today, ( XXXX/XXXX/XXXX ) to check the status and I called the phone number XXXX had given me to use. The rep told me he did n't have any claims on file. He sent me to a different department and that rep told me that my claims had been resolved and I would receive a letter in the mail. I asked her what they said and she stated that the charges were valid and the investigation was closed!! Not only has my account been compromised, I ca n't access my direct deposit from my employer because it 's gone, but there are people out there that are creating fraudulent checks and cashing them, using a debit card that they did not have a PIN to that also has a chip, and the are creating checks from my account and cashing them! Bank of America did not care that this was happening. This is the reason consumers end up paying high fees for bank services but not XXXX of Bank of Americas employees knew what to do or took it seriously. Looking at my account you can clearly see what happened if anyone took the time to look at it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the fraudulent inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, 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 11-12-2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX, The amount is {$70.00} I called the utility company and told them there was a reporting error on there end and it was effecting my credit. The utility company told me, it was the credit bureau job to fix it. so I called the credit bureau and it still is showing on my credit even thou the utility company send them a letter stating that, there was no debut and it should be removed. This was going on for XXXX now, I 'm trying to buy a home. It is still on my credit. The credit bureau said there was nothing they can do, but put a zero balance.

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