milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: CHASE BANK SENT ME XXXX EMAILS THIS MORNING AT XXXX AND XXXX STATING THAT MY ACCOUNT AND AVAILABLE BALANCE WAS {$10.00}, BASED ON A {$10000.00} RETAINER FEE CHECK I DEPOSITED WITHIN THE PAST 48 HOURS. BASED ON THOSE XXXX EMAILS, I MADE SEVERAL BILL AND ONLINE PAYMENTS FOR A FEW XXXX DOLLARS, PLUS A CHECK FOR MY CHILD SUPPORT IN THE AMOUNT OF {$XXXX}. AROUND APPROXIMATELY XXXX THIS MORNING I RECEIVED XXXX EMAILS FROM CHASE TELLING ME THAT MY ACCOUNT WAS NOW XXXX. I CALLED CHASE BANK IN A MASSIVE STATE OF ALARM AND WAS TRANSFERRED 3-4 TIMES. FINALLY SOMEONE IN THE " FRAUD UNIT '' TOLD ME THE CHECK DEPOSITED WAS BEING " HELD FOR POSSIBLE FRAUD. '' I EXASPERATINGLY TOLD THEM THAT I MADE THESE BILL AND CHILD SUPPORT PAYMENTS BASED ON THE INFORMATION IN THE XXXX EMAILS THEY SENT ME THAT THE BALANCE AVAILABLE WAS {$10000.00}. 

XXXX IN FRAUD UNIT TOLD ME THEY RECEIVED A " ALERT '' AT SOME POINT THAT THE CHECK WAS GOING TO BE RETURNED OR REFUSED BY THE ISSUER BANK, XXXX. I ASKED HER WHEN DID SHE RECEIVE THAT NOTIFICATION ALERT, AND WHY DID THEY NOT EMAIL ME IN REAL TIME SO THAT I COULD ALSO NOT WRITE CHECKS OR PAY BILLS BASED ON THEIR INFORMATION, AND SHE HAD NO ANSWER. FURTHERMORE AND EVEN MORE EGREGIOUSLY APPARENTLY THEY ARE CHARGING ME A FEE FOR NEGATIVE ACCOUNTS. 

THIS WHOLE EXPERIENCE HAS OBVIOUSLY GIVEN ME AN XXXX AND THIS IS NO WAY FOR CHASE TO DO BUSINESS - THEY MUST ALERT CLIENTS IN REAL TIME TO AVOID FURTHER COMPOUNDING CUSTOMER MISERY AND CHARGING NEGATIVE ACCOUNT FEES. I WAS FINALLY ABLE TO RESOLVE THIS MATTER ON THE PHONE WITH " XXXX '' BECAUSE I AM AN XXXX AND KNOW MY RIGHTS WHEN THEY CLEARED THE FUNDS WITH XXXX, BUT AGAIN THIS IS NO WAY FOR CHASE BANK TO DO BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (AA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: On XX/XX/XXXX I received an extremely opaque notice ( see attached ) saying that, as a result of a review of my student loans, the overall balance of the loans had been adjusted upward. The letter provided no additional useful details and did not even provide information on the difference between the new and old balances. In a subsequent call with the loan service provider, Pennsylvania Higher Education Assistance Agency, I was told that the upward adjustment of the loan was the result of a realization, four years after the fact, that XXXX had failed to capitalize the interest on one of my loans. They were unable to provide an exact date on which the capitalization was supposed to have occurred but thought it was sometime in XX/XX/XXXX. On the phone, XXXX was also unable to provide more detailed information about the exact amount by which the loan had been adjusted. Based on my cursory review of the loan history, however, it looks to be a difference of approximately {$10000.00}. I find this to be unacceptable, and frankly think there should be some kind of statute of limitations given that XXXX did not realize its own mistake for more than four years. This  completely calls into question the ability of XXXX to manage student loans and to be a good steward of debt owed to the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Mortgage (Other mortgage) with Global Mobile Limited Liability Company (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In 2014, I went to XXXX in order to buy a mobile home. I paid them in good faith a deposit of {$3.00}. They promised me that my monthly payment would be {$830.00} and would not rise. A few days of being there I got an increase in the payment. An later, I got another increases in the payment. With this second increases my budget was not enough to pay. So, I decided to leave because I could not afford the new payment. I preferred to lose the {$3500.00} that had given of deposit. To my surprise I am seeing that they put a judgment against me on XXXX XXXX. Please see my credit report ( attachment ). I should put a judgment against them for {$3500.00} I lost. Please investigate this company because I 'm not the only one who has had this kind of issues by this entity. Additionally, I need help in order to remove the trial they put against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Managing the loan or lease

Complaint: Capital one added on {$190.00} dollars to my balance and has raised my payment from XXXX to XXXX with no explanation at all they have received my payments. They refused to set me up an online account so I can have digital copy 's in order to extort an extra XXXX a month in unjustifiable fee 's. Their intention is to get me to default on my loan which makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I had chase for the entire time I was in the Military, I got XXXX XXXX from XXXX on XX/XX/XXXX After that I started having a lot of issues with my bank CHASE, I was charged fees with no explanation. My card was even cloned once and I had to file a dispute for the transaction. To make the story short. Months after that. Around XX/XX/XXXX. I tried making a purchase, and all of my 3 accounts that I had with chase where CLOSED! They gave me no explanation they only said that, they no longer wanted to keep business relations with me. At that point my VA pension was link to that card, I ended up losing so much and almost getting evicted because those accounts were frozen so the VA couldnt change my direct deposit because it was already After the cut off mid month. Truly lives a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Syncrony keeps randomly locking my business credit card. The last time they received a payment and would not unlock my company credit card for several days even after they took my money for the full payment. They also on my personal credit card have non approved charges from a scam company that they will not remove and keep charging us for. Please stop these scammers.

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 03/30/2017 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (NV).
Issue: Taking out the loan or lease

Complaint: I have for momths been having issues with exeter finance company. 9 out of 10 times i am greeted with rude csr 's. I have a set prompt of validation questions on my account and have spoken with several supervisors about this and still everytime i call in theres a problem. The representatives are rude and bring me to thw point of just wanting to surrender the car. This company has partneredwith a corrupt dealership to get us ina car we did not want in the beginning and now have been locked in an interests rate that is more than double paying for the car or as if i were buying to brand new cars. They have offered no refinance options and at this point i am in the process of getting a lawyer to mediate the outrageous, unethical amd potentially illegal terms of this contract. I have called on several times to tey to reaolve matters with this company. This car and interests rate is so hi im going to soon just drive it back to the dealership and leave it there. Crooked finanace company with a crooked XXXX XXXX and XXXX. I tols them after i gad the car the first couple pf days i didnt want it but was told i was stuck with it. Horrible service high interests im just over this scandalous company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. ().
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Consumer Financial Protection Bureau, To whom it may concern, The purpose of this letter is to submit a third complaint against XXXX [ XXXX ], now known as ECMC- the Education Credit Management Corporation . The previous XXXX complaints are under file case # XXXX & file case # XXXX. Back on XX/XX/XXXX, XXXX- Ombudsman at ECMC- responded to my last complaint stating that she determined that XXXX should have refunded my XXXX loan disbursement. XXXX then made the necessary adjustments, but there are still irregularities in the final calculation of my loan balance. As I have previously stated, this loan dates back to XX/XX/XXXX, from which I have been disputing this loan with different agencies ; first with XXXX, then XXXX, and now with ECMC. 

Even though I have been disputing this loan, I have submitted payments to the amount of {$1700.00} towards the amortization of this loan. Back on XX/XX/XXXX, I submitted a request for a breakdown of how ECMC recalculated the loan balance after having removed {$2500.00} from the original balance. They sent me a new total balance of {$2100.00}, for which {$1.00}, XXXX is principal, {$380.00} interest, and {$410.00} collection costs. In one of their balance sheets, they have a current principal balance [ dated XX/XX/XXXX ] of {$780.00}. I have been disputing this loan, and it was found that I was correct in my claims. ECMC has always had my contact information- of which I have been the one contacting them in this dispute- why are they charging me collection fees and interest when they failed to acknowledge my complaints? How are they jumping from {$780.00} to {$1300.00}, unless this loan is a negative amortization loan? My question to the Consumer Financial Protection Bureau ( CFPB ) is, back in XX/XX/XXXX, CFPB came into an agreement with ECMC regarding the purchase of certain assets of XXXX in which ECMC is to provide debt relief to XXXX students ; how come ECMC has gotten a free bailout pass from the government, supposedly for the sake of many students, but they are still continuing the predatory practices of XXXX? 

Please respond at your earliest convenience, and thank you in advance for helping combat the exploitative practices of agencies like XXXX, XXXX and ECMC XXXX and protecting victims, such as myself, from these dire cases of student exploitation. 

Sincerely, 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 01-12-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SD).
Issue: Sale of account

Complaint: I have a XXXX credit card. It was through XXXX Bank and recently changed to Capital One. When the name change took place, it caused my credit score to drop by 30 points!! It is showing on my credit report as an increase in my balance from {$XXXX} to {$900.00} when in fact it was {$900.00} to {$900.00}. I have absolutely no control over a credit card changing to a different lender and feel this is extremely unfair for it to report this way.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (MO).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I opened a BBVA Compass ClearConnect Checking account on XX/XX/XXXX which had a sign up bonus attached for {$200.00}. This was my first account with BBVA Compass. I completed the requirements for the bonus on XX/XX/XXXX. The terms state they will deposit the bonus within 60 days of meeting the requirements, which they have not done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I,   XXXX   XXXX  , never opened the credit card reporting on my credit reports. It 's a   Wells Fargo card.
WELLS FARGO CARD SERVICE   #  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  IA  XXXX  (  XXXX  )  XXXX  Date Opened :   XXXX     This account is fraudulent, I never authorized this card, I never applied for this card, and I never made any charges or received any merchandise related to charges on this card.     Several pages later on this complaint you ask me for the billing address on the credit card. I tried to leave it blank because I do n't know. It would n't allow me to continue so I was forced to say it was the same as my mailing address.

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 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: I hired XXXX last year that I pay {$99.00} a month to remove all negative items referencing my previous CHXXXX Bankruptcy which is Officially Discharged and paid in Full on XX/XX/2017. They are having No success with the three reporting bureaus. Equifax, XXXX   and XXXX  is reporting negative items incorrectly and should be removed or updated. They have duplicate items. Since the 3 reporting bureaus report information about consumers to a CRA, they are subject to the FCRAs Furnisher Rule, which requires that : 1 ) information that is furnished must be accurate and complete ; and 2 ) consumer disputes about the information you provide must be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX XXXX, XXXX, of XXXX XXXX XXXX, hired by Cavalry SPV I , LLC as assignee of XXXX, filed a civil motion on XX/XX/XXXX on time barred debt. The last payment that was later returned was on XXXX XXXX, 2012, so it fell into default XX/XX/XXXX. In the state of Alabama credit cards have a 3 year statute of limitations on them. As of XX/XX/XXXX this account was past the 3 years. Nine months later XXXX XXXX XXXX filed a summary judgment with XXXX County Courts, Al. Regarding the FDCPA it is against the law for a collection company to sue on time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I filed a dispute with Equifax in regards to Tax lien # Lien Filed XXXX ; XXXX County Superior Court ; Case or ID # XXXX ; Amount {$890.00}. Equifax advised me that they received information from third party provider XXXX XXXX that this information was correct and to dispute item with them. I disputed this Tax lien XXXX with XXXX XXXX and received notification that they removed the item from their system. I then refiled my dispute with Equifax to advise them that XXXX XXXX removed the item from their system and for Equifax to remove it from their system. Equifax sent me results of their investigation stating that XXXX XXXX showed the information was accurate. I have a copy of the letter from XXXX XXXX stating that they deleted this item. Equifax obviously did not reinvestigate thsi because they did not update the status and remove this item from my credit report. Please make Equifax remove Tax lien from credit report due to XXXX XXXX removing it from their database.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017 I discovered on my own accord that my credit had been compromised by the data breach with Equifax Credit Bureau. At this time I also had my husband check into his status and he too has had his information compromised. At no point since the initial breach, of which the exact date I am not aware, were either of us notified that our information had been at risk by Equifax. Unacceptable. 
On XXXX XXXX, 2017 the company tweeted out a FAKE web address with regard to the above stated matter. A fake website. Unacceptable. At what point does this behavior from his company become malicious negligence on the American consumer? 
My family have all worked very hard to obtain our current credit. Credit, something we MUST take part in. A company who can make a decision on our future, take our most personal of information without consent and view it how they see fit, and decide our future. Yes, we can work hard and pay every bill on time, take our credit seriously and protect ourselves with our purchase choices. But in the end, credit is something you can not " get around '' in today 's life. So how is it that one of the 3 credit bureaus could be so grossly negligent with our livelihoods? Our futures? I want to see that they receive the harshest the government can do on behalf of all of the people who have been affected by this data breach. I want the standards of our information to be kept at the highest level of security. I want to see them not only pay the consumers back the whopping {$1.00} or two we might see in a class action suit, but I would also like the government to investigate and fine all individuals and companies involved in this disgusting act. 
They are sitting by while millions of peoples lives could potentially be ruined by the Nations leading non-violent crime - Identity Theft. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I checked my credit report and noticed that I have a new credit inquiry from XXXX as of XX/XX/XXXX. I have been a customer of XXXX since XX/XX/XXXX. I did not authorize an inquiry and I suspect attempted ID theft.

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 06-11-2017 about Mortgage (VA mortgage) with M&T BANK CORPORATION (NC).
Issue: Trouble during payment process

Complaint: My VA loan was recently transferred  to M & T Bank of  XXXX , MD ( I bel  i eve ). There are many different addresses on their initial contact. I enrolled in online banking to make my payments online as this is the predominate payment method today. I was forced to give up my right to receive legal notifications from the bank in writing to be able to make online payments. If I did not agree to electronic notifications they were going to dis-enroll me from online banking. I have no choice about where my mortgage is sold to. I did not choose to do business with this entity. I should not be forced to give up my legal rights in order to make electronic payments. Especially on a VA guaranteed loan. The Federal Government only recognizes mail delivery by  the US Postal servic e as proper service.

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 11-02-2016 about Payday loan () with QC HOLDINGS INC (OK).
Issue: Charged bank acct wrong day or amt

Complaint: Hello my name is XXXX XXXX and I wanted to file a complaint on national quick cash in XXXX Oklahoma. Because they sent my check over to my bank and it took the money out so then I waited today for it to go through and it did. So I call the loan company asked them if I bring in a bank statement and show them it went through so they said we 'll we ca n't take bank statements anymore. But last time it was n't a problem until now so now I have to wait a week to reborrow from them and they were just so rude about it over the phone. So I need some kind of exvice or something because this does n't seem right all other loan companys take bank statements but this one suspobly do n't do it now so this is making me so mad and stressed out.. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I was charged XXXX for a XXXX in XXXX FICO score product which I did not order by Experian, I have a similar product through another credit reporting agency and no need for another. Experian refuses refund or cancel the product. The item will cause an overdraft fee to my checking account, please advise Experian I will need this refunded as well in the amount of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation