milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2015 about Credit card () with TD BANK US HOLDING COMPANY (MD).
Issue: Closing/Cancelling account

Complaint: TD Bank is using fraudulent terms to bait people into signing up for their credit card and then not paying them the rewards that they are owed. In XX/XX/XXXX I applied for the TD Easy Rewards credit card. The terms and conditions on the application today are the same as they were back then. They state that for the XXXX 6 months, XXXX earns XXXX points at grocery stores with no cap. It explicitly states that the amount of rewards that one can earn is unlimited. Well, my son and I have a LOT of expenses at grocery stores so this was very attractive for me. I applied, took the credit hit from the inquiry, was approved and added my son as an authorized user. For a few months this card was very beneficial to us due to the amount of expenses that we were earning XXXX points on. But in XXXX, TD Bank decided to implement an unwritten points cap and shut people down who had already earned that many points. They will not admit to this, but from reading the exact same experience from others on online forums, I am positive that this is the case. In XXXX I attempted to log into my account and received an error message. I called and asked about this and they told me that they " periodically did security reviews and I was deemed a risk for fraudulent activity '' blah blah blah, said something about money laundering. XXXX of all, this is absolutely bogus. How can you launder money with your own credit card? Money laundering is done by criminals who have a lot of cash they 've obtained illegally that they want to hide. Who ever heard of laundering money with their own credit card? No one, because its impossible. XXXX, I did absolutely nothing differently than I had been doing the previous months. They made up a reason to close my account because they decided I was n't profitable enough for them. I guess they might have the right to do this, except for the fact that they explicitly stated that there was no cap on the rewards that could be earned! This is classic bait and switch. They are making false promises of unlimited rewards which they have no intention of honoring. When my account was closed I had {$14000.00} in pending charges which would have yielded me {$730.00} in points. This is in addition to all of the points I would have made, if they had left my card open for the promotional period. I demand that they pay out on this. They will claim that their T & Cs state that they do n't have to pay rewards if an account is closed, but this does n't mean they can close an account just to avoid paying the rewards! Again, classic bait and switch! Crook institutions like this are exactly why we need the CFPB. Someone needs to hold these banks accountable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-10-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: JP Morgan acquired our mortgage after the hostile take over of Washington Mutual about 10 years ago : something is foul and we believe we are victims of very sloppy work at best and or intentional fraudulent activities by the bank. 
These are harsh words for an institution that should have the public trust but Chase has earned a legendary reputation of deceit whether among misdeeds including the XXXX rate-rigging scheme in XXXX, and the XXXX repaid for their active role in the real-estate meltdown. Again, this is the same company that " housed '' the financial activities in the XXXX scandal and we were warned by one of their representatives about the dangers we faced with our mortgage modification. We all relived it and have persuasive evidence of fraud and lack of good faith. Two years+ of sending requested information to their mortgage department, and they would 'manage ' to never ever receiving the requested info in its entirety. 
To cut to the chase, what should have been a normal mortgage modification turned into a nightmare with Chase 's purported verbal mortgage -- yes, verbal mortgage -- that resulted in an additional cost to us ( added to mortgage load ) of approximately {$300000.00} - due to no fault of our own -- for which after a year of discussions ( mostly delays ), Chase offered a paltry settlement payment to us of {$15000.00}. 
JP Morgan Chase was the judge and jury as it relates to the VERBAL mortgage that was given to us. First payment was okay..second payment declined and the next two years talking to over 24 of their representatives - none of which could ever find any paperwork in the files as it relates to our mortgage. Now their newly assigned " Vice President and Assistant General Counsel '' can somehow manage to manufacture some sort of statement and come up with the paltry sum of {$15000.00} as settlement. An insult at best. Of course both he and XXXX XXXX refuses to answer the question of " Was it a general practice in your mortgage department where a commission was paid to staff members on every foreclosure? '' Since their answer is silence, and having worked in the business XXXX for all of my career, I was reluctant to make this disagreement with JP Morgan Chase public. No longer. I have no doubt there are others who have lost their homes or are saddled with huge incremental additions to their mortgage. Perhaps they do not know, as Chase is keeping two books. One for the everyday mortgage and the other for the 'hidden incremental whopper '. Now that I am working with a XXXX on this, I am sure others will want to join in. Always a reminder that the XXXX was started with the removal of a lowly scale from a worker.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Consumer Loan (Installment loan) with Alliance Data Card Services (CA).
Issue: Managing the loan or lease

Complaint: I filed a complaint against a buyer for an item I had purchased on XXXX. Paypal told me in order to receive my refund I would need to return the item and provide proof of tracking. I returned the item and sent PayPal proof of shipping from XXXX. I provided a tracking number, picture of receipt from XXXX stating the address it was sent to, and provided picture of the label ups printed on the package. I sent the item to the exact address Paypal told me to send it to. Paypal then told me I 'd receive my refund in 24-72 hours. It 's been 10 days and still no refund. When I call Paypal they keep telling me to provide the same proof and I 'll receive my refund in 72 hours. Like I said it 's been over 10 days and still no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On  XXXX   XXXX  I received a refund check from  Santander Consumer USA.  The check stated the refund was for my  XXXX   XXXX   XXXX  I financed with them in   XXXX   XXXX   The check was in the amount of  XXXX  with a check date of   XXXX   XXXX   XXXX  . I calle d Santander Consumer USA to  verify that the check was accurate because I paid my car loan off with them on   XXXX   XXXX   XXXX  . I was advised by the representative that the check was accurate and I received the check for an adjustment that was made when my interest rate was lowered due to being on   XXXX   XXXX   XXXX  . On   XXXX   XXXX   XXXX   I deposited the check and spent the money. On    XXXX   XXXX   XXXX    I received correspondence from my bank advised that my account was charged back for the check in the amount of  XXXX  and a  XXXX  dollar return fee. My bank advised they were unable to obtain funds for the check because a stop pay was placed on the check by  Santander Consumer USA.  I contacted Santander on     XXXX   XXXX     and advised them a stop pay was placed on the check and the funds were spent. No one at the company was able to advised me of why a stop pay was placed on the check. I was advised that they would send a research request to the accounting department and I would hear something back within  three  business days. I never received a call back. Over the past two weeks I have been contacting the company to get them to reissue the funds. On    XXXX   XXXX   XXXX    I spoke with a representative who advised that he was informed by an individual in the accounting department that the refund was for a warranty that was canceled and the check would be reissued but they needed to confirm with  one  more person. On   XXXX   XXXX   XXXX   I received a call back from the same representative advising that the check was sent in error and the payment belonged to another account. I requested that the funds be reissued to me and the return fee amount in  XXXX  dollars because I verified the check with them and no one notified me that a stop pay was being placed on the check.     The business responded by saying they would not be reissuing the check in the amount of  XXXX  but they would reimburse me for the return item fee for {$12.00}. I have yet to receive any correspondence from them since I last spoke with the customer service representative on   XXXX   XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2016 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Managing the loan or lease

Complaint: GM Financial has received both our XXXX and XXXX lease payments totaling {$590.00}, but they claim not to have received the money.

Company response to consumer: Closed
Consumer complaint received 05-04-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: we tried to open a account at chase jp morgan mountain view california. they opened the account and then wanted to close the account. i gave them a coupon to get $ XXXX/- for a sign on bonus. 
We asked them the reason and they suggested some corporate fraud in 2005 in a corporarate account in washing mutual and now a closed bank. for the record we have never borrowed money from this bank or ever enjoyed any kind of credit or special facility ever. moreover for the period in question we were out of the country. 
In any case they closed my account and sent me a {$30.00} check. When i presented this check at wells fargo it was dishonored. 
now they claim i owe them $ XXXX/- they have reported me so i can not opoen a acount with any other bank. strange. 
i conclusively state i owe them no money. nor have i ever committed any fraud or knowingly defaulted on anything. further my XXXX report and credit report is clean. 
this is a clear case of mistaken identity. in any case the amount in question is too small for any material benefit to anybody. 
i want the bank fined for harassment. i want my current matter and past washington mutual matter resolved

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have asked Transunion several times to correct/ remove the XXXX collection account on my credit report from XXXX. I paid this in full at XXXX at the time it was being sent to a collection department. it is listed incorrectly, as no other credit reporting place has it listed as a charge/off. They have not fixed the issue, just says that it is disputed by consumer.

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 03/15/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is reporting 4 late payments from XX/XX/XXXX between 2 credit cards and have been unable or unwilling to provide the proof I was late. I am applying for a mortgage and these 4 late payments which are unsubstantiated are damaging to my financing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX i tried disputing this about 3 times. This account was paid for in full through collection agency. It should states paid in full. Experian keeps updating this account. XXXX XXXX XXXX i would like the foreclosure procedure to be updated as unkown because i have been working on my credit and i am trying to purchase a home and this remark is a negative remark. 

Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX Did not authorize these inquiries i called Experian to tell them they just said it has to stay on my report for 2 years. But why when i didnt authorize them

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 07/15/2015 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a few things corrected on my Credit score. Correct Name XXXX XXXX XXXX XXXX not XXXX XXXX and never lived at this address XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Also remove all not authorized promotional inqueries that are affecting my score from XXXX XXXX, XXXX, XXXX, XXXX etc. 
Also there are a few closed accounts that are more than XXXX years that still show on my report, XXXX, XXXX XXXX and others. 
XXXX CC still shows on my report which should be removed since court determined I was not responsible for the card. 
Another concern is that my score showed a decrease in number. Im concerned why has XXXX lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: I attempted to close my bank account with First Niagara Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX NY on XX/XX/2016. To date, the bank has failed to provide me with my account balance. They claim a check was mailed on XX/XX/XXXX however it has not arrived and they refuse to stop payment and reissue as I can arrange pickup.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: iN REVIEWING MY CREDIT REPORTS WITH eXPERIAN AND XXXX, I noticed that the Accounts section is devoid of any relevant information regarding my current revolving account with XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Sometime during XXXX-XXXX 2017, Equifax allowed a security breach that involved my SSN, address, DOB, phone number, and possibly other private information. I was only made aware of this breach several months later and was not actively sought out to inform of my information being compromised. 

According to credit reports, I have not been negatively impacted by the breach yet.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: On XX/XX/XXXX I called my credit card provider, ( Capital One ), to make a balance transfer to pay off one of my bills for {$5400.00}. I checked the transaction 10 days later and it had not posted on my bank. Instead it was made to a different bank that I 've never heard of, XXXX XXXX XXXX and to a different account number from the one I gave the Service Rep that took my call. I called Capital One on XX/XX/XXXX and they said to wait another 10 days. I have called numerous times. The second time I called I was told to call the bank myself but yet they would n't even give me the account number the transfer had gone to. I kept calling and asking for the supervisor in the Balance Transfers Department but I was told the same thing every time. That it would take three months for the investigation. Now my credit card bill shows the {$5400.00} plus the {$100.00} transfer fee which I have been paying on the monthly payment of {$54.00}. I asked them to please credit back my account since the error was made by the bank, Capital One and why are they making me pay for their error. 
It sounds like FRAUD because the Rep that took my original call was n't very clear and I do n't remember she reading to me the company disclosures. I do n't understand how I gave them my bank information and the account number and the transfer was sent to a totally different bank and totally different account number that they are refusing to give to me. They are being rude about me calling various time to check on that matter. I do n't know what else to do. They are not returning my money and Im still paying high interest on my original bank which that was the purpose of the balance transfer to begin with plus I have to give them a monthly payment. Im asking for help or please tell me how I can go about this. I really appreciate all the help I can get.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2016 about Bank account or service (Savings account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, I reported to USAA bank that my card was lost, on the same day that it was lost. I was told that my account was closed and they and they were going to refund me the {$200.00} that was in my account in the next 30 days. When I called on XX/XX/XXXX they told me the account was still open. We got conflicting stories from various USAA customer service people. On XX/XX/XXXX they told me the check from XXXX XXXX from XXXX XXXX XXXX, XXXX 2011 for {$6300.00} was deposited into the account. I told them that " this was not my money, do not cash that check. '' I tried to log into my mobile app and is said " For security reasons my account is temporarily closed. '' On the next day I was told a check for {$1000.00} had been withdrawn. I asked them why did you permit this withdrawal when there was only {$200.00}. in the account. I was told " It is because you have such great credit. '' On XXXX XXXX I spoke with a manager at USAA and they said " I was responsible for any deposit that were made. '' I then received a letter in the mail that showed it has a signature which is printed, and contains information inconsistent with all previous deposits I have made. I have asked if they have investigated the situation, and looked into the person who deposited the check, and the money that was withdrawn in Ohio ( even though I live in XXXX ). The bank has told me there has been an investigation but refused to share any information. The bank repeatedly insists I am responsible for this money, even though I did all of my due diligence, informing the bank that the card was missing, that the deposit was fraudulent and should not be cashed. I was treated disrespectfully throughout, and was spoken to in a rude manner every 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 09/28/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Chase to find out how to make a final payment on my home equity line of credit ( HELOC ) loan to pay it off. I was given mis-information ( told I could only get the info and complete the transaction via US postal mail or by going to a physical branch location - which XXXX, MA does not have ), was placed on hold for extended periods of time, spent literally hours on the phone with Chase personnel over the course of 4 days. All I wanted to to do was pay off my loan. It seemed that none of the " front line '' people could provide accurate, reliable information about how to do this. It also seemed to be a process purposefully designed to be inconvenient and difficult with the intent to dissuade people from paying off their loan. It turned out, once I complained more forcefully and mentioned contacting the Consumer Financial Protection Bureau, I was transferred to a supervisor and told that they can take payment via telephone ( with electronic transfer - as I have been making on a monthly basis for the last 10 years ).

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Dear CFBP, Chase Bank has been abusing me as a customer. They have failed to account for my mortgage payments correctly. Chase lists that I have paid {$2900.00} to my principle but my average principle payment per month is about {$500.00} so this figure should be {$6000.00}. Also, Chase has mismanaged my mortgage banking records since XX/XX/XXXX and it has taken me over XXXX calls and XXXX emails and faxes to get my basic mortgage accounting records added up correctly. This faulty accounting and mismanagement of my mortgage payments is illegal. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Medical) with State Collection Service, Inc. (IL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: In XXXX 2016, I submitted a payment in full for the amount of {$490.00} from my XXXX card. I received a call stating that XXXX did not allow collection companies to charge customer accounts. I called XXXX and they stated there was no reason they would refuse to pay the account was in good standing and credit was available. I submitted {$250.00} from my debit card. I got another call and this time the rep said that they did not accept XXXX cards as payment contrary to the last rep that said they tried to run the card and the authorization failed. This company lied and now it XX/XX/XXXX and this should have all been resolved in XX/XX/XXXX. They are destroying credit by falsely refusing to apply payment. By Illinois UCC the refusal to accept payment for {$490.00} ( the full amount owed ) is grounds for dismissing the debt in the amount of the attempted payment. By law I should owe nothing and they should have to refund my {$250.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2015 about Credit card () with JPMORGAN CHASE & CO. (DC).
Issue: APR or interest rate

Complaint: Received a mailer today from Chase informing me of a change of terms, including an increase of apr starting XXXX/XXXX/15. Not only is this less than 45 days of notice, the apr will apply to purchases made after XXXX/XXXX/15, making the change retroactive to purchase prior to the notice.

Company response to consumer: Closed with explanation