milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: JP Morgan Chase Bank Dear Sir/Madam : I am writing to you in connection claim # XXXX regarding to my XX/XX/XXXX debit card transaction in the amount of {$15000.00} USD to XXXX XXXX. I am filing my claim for a refund under the Visa Chargeback Scheme rules against XXXX XXXX - a binary options broker for the breach of contract ; XXXX XXXX failed to deliver services as promised per conversation with their director - XXXX XXXX and as stated on their website. My husband ( XXXX XXXX ) and I opened the account with XXXX XXXX with the promises that we can withdrawal our deposits in three months once we elevated our account to Diamond status that we will had a dedicated manager and expedite withdrawal. We were n't able to withdrawal our funds upon request and our dedicated manager stopped calling us in XX/XX/XXXX of XX/XX/XXXX and our online trading account were locked out. XXXX XXXX is breach of contract upon the failure to deliver services after XX/XX/XXXX and the actions taken to lock our account with a balance of {$71000.00} USD. Therefore, we are filing the refund under the Visa Chargeback Scheme rules which afford us 540 days from the date we initially sent the money ( XX/XX/XXXX ). I 've attached all documents and communications as part of the this chargeback process. This includes the payment processor platform that is complicit in this scam. XXXX XXXX XXXX is the name on the payment but it 's XXXX XXXX that handles all of the payment transactions. The contact person is XXXX XXXX. Please feel free to contact me at XXXX. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NJ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Hello and Good Afternoon, I am reporting this to see a change how credit card companies/banks applied payments every month to their account holders. I have  Wells Fargo Ban k credit card for more than a decade. As per banks and  Consumer Finance Protection Bureau policy, the last c hange that was made to protect the consumers is applied payment to higher interest rate account.     I have purchases worth {$1600.00} on the the credit card with minimum amount of {$28.00} due this month. I am willing to make {$300.00} payment. I am not sure if I will be able to make payment next month toward the remaining balance. In order to secure next few months minimum payments, I would like {$300.00} applied to next 5 months. This way I will secure my minimum payment for next 5 months. Also, the in this process, my principal balance will be reduced immediately. If the bank/credit card company would allow this, then I will be saving late fees, insufficient fund fees etc.     I have called them to make payment arrangements for next several months ; however, credit card company 's policy would not allow this change. {$300.00} can be applied to principal balance and I would still responsible for minimum payment following months regardless of my financial resources. Also, if the payment is not made or return, there will be additional charges and fees. I hope to see this change to avoid late fees and other charges resulting me of financial help.     Sincerely,  Consumer Activist

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 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I notified this company that this account does not belong to me and submitted a police report, which also proved this account is not mine, but they have not removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from XXXX XXXX XXXX. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen in early summer. Soon after trying to fight the discrepancy, I received a letter from XXXX XXXX XXXX that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with XXXX XXXX XXXX trying to get the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the credit bureau, all 3 on several occasions about items that are reporting on my credit report. These items it either not mine or was settled inn my divorce, in which I am not to be responsible for. I have asked that they remove these items from my report and provide me with the paperwork and they have failed to do so .. The accounts are XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX .... These accounts are hindering my life.. I do not want to take a different approach and get an attorney

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 08/29/2016 about Debt collection (Payday loan) with Alliance Group & Associates LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to get calls from Alliance Group about a civil law suit regarding an outstanding payday loan they say I have. I filed a BK chapter XXXX in 2015 and I should have no outstanding debt, I have checked my credit report and have never been contacted by a payday loan company to my knowledge nor have i taken XXXX out. XXXX XXXX XXXX XXXX is threatening me with going to jail, having a sherriff on my doorstep and trying to collect money over the phone. They say the original debt was {$500.00} and now is {$1100.00}. This is not valid and they have bits and pieces of my idenity.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit reporting () with EQUIFAX, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX could not validate these accounts, Equifax needs to follow suit. The debt can not be validated, therefore it needs to be removed from my credit report. I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I never received proper notification of a debt prior to it being sent to collections and then a suit for garnishment. My original debt was with   XXXX   XXXX   and eventually went into collections with  Portfolio Recovery Assoc.  in  XXXX   2016  and is now an active wage garnishment since around that same time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Debt collection (Credit card) with Law Offices Howard Lee Schiff, P.C. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a debt I had disputed on my credit file because I did not want to deal with the hassle. The offices of Howard Lee schiff pc continue to garnish my wages anyway. The past few years have been harrowing. I closed numerous bank accounts because they came after me every time I disputed my credit file. I was never given an opportunity to come to court to argue a defense because they never mailed me a copy of a writ to appear in court. I received only a garnishment letter from my employer and felt I had no other recourse but to pay the debt which I refuted and never got verification on. However I was able to remove partially from a couple of the bureaus because of statute of limitations and other reasons. When I called the office they confirmed the debt was paid off but they are still stealing my money from my wages. How can garnishment proceed when the debt is already paid? I called the state Marshall that executed the garnishment and I found out that the money that was granted in judgement is far less than what they had me pay for this debt. I called several times and spoke with numerous people at the firm that confirm the debt was paid and my employer will get a stop order for this garnishment. The tip of the ice burg is that this debt expired statute of limitations months ago even if I owed them money in the first place and the amount reported to the credit bureau is significantly less than what I was charged. my money is being stolen and I 've been through to much with this firm over the years in ruining my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I enrolled with a debt settlement company  XXXX . One of the accounts was a Bank of Ame rica ( BofA ) credit card debt.  XXXX  of the other credit cards and debts have been successfully paid off or are still in a repayment program. Payments to BofA w ere initiated  XXXX / XXXX / XXXX  and followed on  XXXX / XXXX / XXXX ,  XXXX , and  XXXX . I received a piece of mail from a law firm in  XXXX   XXXX , AR, offering their services for representation regarding a lawsuit filed against me by  XXXX  and  XXXX  law firm on behalf of BofA. I was unaware of this at the time. My name was also in the Sunday,  XXXX   XXXX , newspaper noting said lawsuit. I contacted my debt settlement company,  XXXX   XXXX , Thursday  XXXX   XXXX  inquiring why I was being sued. They had informed me at that time that  BofA  had already received payments for the debt and would check into this matter. After further communication with  XXXX , they informed me they were in process of negotiating a new settlement with  BofA and c ould not explain why I was being sued. I informed  XXXX  I would contact  XXXX  and  XXXX  and attempt to settle this debt without their assistance. I was formally served the lawsuit papers the evening of Tuesday,  XXXX   XXXX  at my home. I contacted  XXXX  and  XXXX  Wednesday  XXXX   XXXX  and spoke with  XXXX   XXXX  ( spelling? ) and negotiated a settlement with her that same day. Subsequent papers were sent out which I received the following Tuesday,  XXXX   XXXX . I spoke with  XXXX   XXXX  the following day and she informed me the papers I received were null and void and would n't be honored. She asked me to mail them back to her and then later in the conversation advised me to shred them. I still have these papers in my possession. I then attempted to negotiated a second settlement with  XXXX  and was advised to call her back if I did not hear from her. I attempted contact again Monday,  XXXX   XXXX , left message and again Friday  XXXX ,  XXXX .  XXXX  left me a message Monday  XXXX   XXXX  and I attempted return call approximatel y 30 min  after and have not had return call from her through end of business day today,  XXXX   XXXX . I feel I have been diligent in trying to reconcile this debt and I was unjustly sued by BofA, through  XXXX  and  XXXX . L I have spoke with, although have not retained an attorney at this time and have concerns there may be Fair Debt Collection Practices Act violations with this manner. Thank you for your time regarding this manner.

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 07/30/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Billing disputes

Complaint: XXXX USED MY CREDIT CARD TO PAY MY WIFE 'S YEARLY BILL WITH AARP TRUSTED ID. I DID NOT AUTHORIZE THIS YET THEY USED MY CARD. A CARD I DID N'T KNOW I HAD. THEY SHOULD HAVE USED HER CARD ( THE XXXX SHE AUTHORIZED THEM TO USE ) I NEVER AUTHORIZED THEM TO USE MY CARD. IT 'S HER ACCOUNT AND SHE PAYS FOR IT WITH HER CARD.THIS CONSTITUTES FRAUD AS FAR AS I 'M CONCERNED.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (VA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On or about  XX/XX/XXXX , my brother paid my car payment out of his   XXXX   XXXX   XXXX   Account in the amount of {$230.00}. The payment cleared his account on XX/XX/XXXX  payable to  XXXX . Shortly after that I checked my   XXXX   XXXX   Account to discover that on  XX/XX/XXXX , Bridgecrest debited my account in the amount of {$220.00}. I contacted Bridgecrest and they informed me that they had no record of the   XXXX   XXXX   Payment and that they did not automatically debit my account because I was no longer set up for automatic debit. I called   XXXX   XXXX   and was told that Bridgecrest did do an automatic debt. They informed me that the transaction was a ACH transaction which means that the payment was automatically debited. Bridgecrest still insist that they did not debit my account. I was told to fax the bank statements to them, in which I did, and that someone would look into it and contact me. To date, that has not happened. They have called me every other day about making a payment but no one has contacted me about resolving this issue. In one conversation I have with a rep who called me about my payment, she said that she did see both payments but because I was behind one of the payments were applied to the previous cycle. I informed her that I was not behind on my payment, therefore I should have an extra payment

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Savings account) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Making/receiving payments, sending money

Complaint: I currently work for XXXX and have an HSA account through HSA Bank. I earned health incentives in XX/XX/XXXX. One of the services was performed on XX/XX/XXXX However, HSA Bank did not deposit the incentive into my account until XX/XX/XXXX. I understand it is XXXX 's policy that incentives deposited in XX/XX/XXXX are put towards your XX/XX/XXXX contribution ; but I do n't believe it is fair when other co-workers of mine had doctor 's appointments in XX/XX/XXXX and had their incentives deposited in XX/XX/XXXX towards their XX/XX/XXXX contribution. I think that if you earned something in XX/XX/XXXX, it should be deposited towards your XX/XX/XXXX or else you could be left with a tax burden if you no longer work with the Bank in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Piggy Back on  Closed File  :  XXXX  In response to your information : -I Called on  XXXX / XXXX /  XXXX   to discuss the fraudulent credit inquiry on  XXXX / XXXX /  XXXX  . After I called and gave private information to your Call Center, I got another hit on  XXXX / XXXX /  XXXX   - from SYNC - I then again called on  XXXX / XXXX /  XXXX   to gather information again to place a extended freeze on the account and when call the same call center to discuss this information, I noticed another fraudulent inquiry on  XXXX / XXXX /  XXXX   - from SYNC - I call again on  XXXX / XXXX /  XXXX   and provide my personal information via phone again and it again I have a fraudulent inquiry on the same day from SYNC I have called other places and provided my SSI number via phone and no issue. But everytime I contact your contact center or SYNC bank directly per your advise to call the creditor to have them close out the fraudulent account, I get a wrongful inquiry on my account that same day or next day. Since it has happened  three tim es in a row, this provides me enough information to believe that somehow their is a breach between   XXXX   and  Syncs tra nsmission of personal and private information. You specifically provided the exact dates I called and if you review my credit report you will see an exact correlation of each time a call has been made and private information provided, a fraudulent inquiry through SYNC bank has been processed either that day or the next day -  Three  times with no gap between day of calling and the immediate result of a fraudelent act. This should be enough information for you to begin reviewing other open files involving SYNC bank and the fraudulent inquiries made and finding a pattern. It seems that everytime someone calls   XXXX   or SYNC and personal information/transmitted between  XXXX  an d Sync , that person private information is misused in another fraudelent inquiry from SYNC again.

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 09-09-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: TD Bank has simply refused to do business without cause and or reason. 

I owed a debt to TD Bank and I paid it back it was a simple {$100.00} debt. 

I received a letter in branch that it was resolved and I could open an account again. 

Then when I tried to it was denied and no clear reason was given.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: On XXXX/XXXX/2016 I mailed out a Qualified Written Request Via USPS Certified Mail to Bank of America home loan services XXXX XXXX XXXX XXXX, Florida. In my letter which is part of the real estate settlement procedures act, 12 u.s.c. 2605 ( e ) I stated that I am disputing the identity of a true secured lender and the the authority of Bank of America to collect on behalf of the alleged lender/creditor. I requested proof under my rights that bank of america has been contracted to work on behalf of the alleged lender. Pursuant to " subtitle E Mortgage servicing '' of the Dodd-Frank wall street reform and consumer protection act and pursuant to 12 u.s.c. section 2605 ( e ) ( 1 ) ( A ) and Reg. X section 3500.21 ( e ) ( 1 ) to provide me with 1 ) full name, address, and telephone number of the trustee 2 ) The MERS Milestone Report 3 ) A Complete itemized statement of any and all fees or charges against this account 4 ) A Full Certified " True and Accurate '' Copy of the original promissory note and security instrument and all assignments of the security instrument.. 
Along with some other request ALL of which Bank of America has failed to send me. They responded on XXXX with a letter asking me to fill out an " Identity Theft Claim '' I have no idea why I would fill out this type of form it has nothing to do with what I had requested from them. So they have failed to follow the law.

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 04-07-2017 about Credit card () with DISCOVER BANK (WA).
Issue: Credit card protection / Debt protection

Complaint: I bought XXXX iphones using my discover credit card. They got stolen. I filed a claim with discover under their purchase protection that they offer with their card. Its been over 2 months and the claims have not been resolved. One of the phones I purchased was part of XXXX line upgarde plan for {$260.00}. Discover is not settling the claim because they insist that I buy a replacement phone. There is no way for me to go to XXXX and get another phone since I already got my upgraded phone. They are expecting my to go and spend {$700.00} on a new iphone for me to be able to claim the {$260.00}. I am already down {$950.00} and no phones and they are expecting me to go and spend more. Discover is just cheating me. I trusted them but turns out they should not be trusted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Home Loan Center, Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I have an identity theft case going on they have made 28 inquiries, applies for payday loans, car loans. Etc etc

Company response to consumer: Closed with explanation