milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Fraud or scam

Complaint: I was scammed online, and did not receive what I paid for. Was not able to cancel payment in time on Paypal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with JPMORGAN CHASE & CO. (RI).
Issue: Billing disputes

Complaint: I attended the XXXX in XXXX this past XXXX as a Delegate. The XXXX contracted with certain hotels for each of our state delegations. Our contracted hotel was the XXXX airport hotel in XXXX. We we required to book a minimum of 4 nights at $ XXXX ( double their regular rate ). Most delegates booked from XXXX, but being that I am originally from XXXX I arrived on XXXX & stayed with family. I booked my hotel room from XXXX as I made plans to go directly to my fathers home in New Jersey immediately following the close of the Convention XXXX evening. I arranged to take him to some doctors appointments. The only reason I stayed at the hotel on XXXX evening was because I was required to stay a minimum of 4 nights. Upon checking in I noticed that the hotel had me booked for 5 nights & had already charged my credit card. I brought it to their attention immediately and spent all week communicating with the front desk & general manager to have the appropriate credit issued. XXXX morning I spoke to the hotel general manager to advise him I that I was checking out and would like XXXX room charge credited back to my credit card. The manager became very rude and told me he would not be issuing me any credits. I went ahead and checked out as I planned and advised him that I would dispute the charge with my credit card company. I did dispute the charge several times with Chase and each time they recharged my account simply stating that the hotel said the charge was valid. No one from Chase ever communicated with me ( their member ) regarding my dispute - they simply took the word of the crooked hotel general manager even though I provided them with a copy of my receipt upon checkout that showed a credit for the last night ( {$320.00} ) and my original booking paperwork that shows my original booking of XXXX. The hotel is fraudulently charging my card an additional night and Chase is complacent in assisting them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I want to inform you of Capital Ones unfair reporting practices. They have been reporting a sold charged off credit card account ( XXXX ) in my name to the credit bureaus. They sold the account XX/XX/15 to The Bureaus ( XXXX ), but have been reporting it to the bureaus as a Capital One debt with a balance owed that is still open to this day. They sent me a letter stating they were sorry and would remove the account. However, the account is still being reported. ( Proof is Attached ). This is considered double or unjust enrichment by federal law and is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: Account closed due to overdraft fees that should have been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, XXXX I found out that Capital One bank put hold on all checking account I had. I immediately contacted bank via secured chat because I can not reach anyone over the phone. My depost {$240.00} showing totally unavailable which make me extremely upset due to terrible banking experience with this bank before. I had made several complaints against this bank due to stole funds against my will on XXXX XXXX, XXXX for total {$80000.00} plus all lost interest earning for 2.5 years total {$8000.00} and travel expense to branch 7 times to collect stolen funds. This bank never change its stolen nature. I as consumer has great concern regarding the safety of my deposit. Most recently I sent two messages to this bank to ask my stolen funds, but I can not get any assistance. On XXXX XXXX, XXXX I notified this bank to return all my deposit plus stolen funds in XXXX XXXX, so I can close my accounts to end this terrible banking experience with Capital One. However I was directed to call Fraud Dept. I indicated to bank rep that my deposit had no fraud, and I do not want to continue my deposit simply because the prior terrible experience in XXXX XXXX as reported several times to CFPB for immediate assistance. Now 2.5 years passed, I can not release my pain, suffering to lose my savings to a theft XXXX XXXX who I do NOT authorized at all. I once again to ask all my deposit back plus stolen funds in XXXX XXXX, so I can discontinue my terrible banking experience with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: XX/XX/XXXX at XXXX submitted a FICO credit score application to check on credit through the Citibank website. Received score and was pleasantly surprised to see the results. The intentions were to open a new credit card to start restoring credit. Citibank website suggested the Citi Preferred Thank You card along with the AAdvantage card applications. After reviewing the choices I decided to apply for the Preferred Thank You card considering it was suggested after my credit report was ran. Surprisingly my application was declined after submission. I feel that with the running of my credit report, knowing the results and offering a credit card that had high chances of it being declined was very misleading and it will leave an inquiry I would rather not have had I known the chances.

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 06-01-2017 about Debt collection (I do not know) with TekCollect Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I RECEIVED AN ALERT VIA MY CREDIT MONITORING, THAT I HAVE A NEW DEBT WIT H TEK COLLECT, INC. TH EY NEVER GAVE ME NOTICE OF THIS DEBT. INFORMING ME OF MY RIGHT TO DISPUTE THIS DEBT OR WHAT THIS DEBT IS FOR. I HAVE MAILED THEM CORRESPONDENCE STATING THIS WITH THE EXPECTATION OF A PROMPT DELETION SINCE THEY ARE IN DIRECT VIOLATION OF FCRA. I DO NOT ACKNOWLEDGE THIS DEBT NOR DO I KNOW WHAT THIS ALLEGED DEBT IS FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (SD).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX, I live in XXXX XXXX, SD and have a mortgage with Citi bank/Approximately 5 years ago citi bank informed me, they were willing to refinance my first mortgage and reduce my interest rate and the payment on the first mortgage, I have a second mortgage as well with an interest rate of 8.5 % so I have paid well over {$500.00} per month than I needed to, since then on the second mortgage. This totals over {$6000.00} in excess interest and even though I have called them many many times, asking for them to lower the interest rate on my second mortgage with them -- -- nothing!!!!! I have spent more time on the phone, begging for someone to take care of this, all I get is out on hold and no one does anything! I have made many appointment for a loan officer to call me, I wait at the designated time after waiting and no call from citi-today I asked for the pay off on the second mortgage and got that amount almost imediately, so I will have to borrow the money some where else and pay them off-is seem obvious I mean nothing to them, I have never missed any payments. I am XXXX years old and I wonder how can a bank as large as Citi Bank get away with such horrible service and treatment to it 's customers, are all the regulators asleep or just on permanent vacation? How could a bank get away with stealing over {$6000.00} from me when interest rate have been at record lows for so long? Is it any wonder that Donald Trump has become president, maybe he will bring back good old common sense, ,My cell phone number is XXXX, any one who wishes may contact me 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 01/31/2017 about Debt collection (Auto) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My vehicle was traded to XXXX XXXX XXXX on XXXX/XXXX/16. The original contract was lost by XXXX XXXX XXXX XXXX which caused a delay in the funds being cleared for payoff. The delay and supporting documentation was communicated to Bank of America, but yet their customer service still reported it delinquent to the credit bureau, simply stating there was nothing they could do and that the reporting was an automatic process.

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 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Both American Express and   XXXX   XXXX    XXXX  " charged-off '' and " written-off '' my debt. According to the definition of the above it states that both companie s Charge of f means that the credit grantor wrote your account off of their receivables as a loss.   They have both gotten judgements and put a lien on the title of my home. I am verified  XXXX   XXXX  and this has been communicated to both parties before and during legal action in the courts was taken. I have written  XXXX   County Superior Court to no avail. Although I do still owe the money, these compa nies are breaking the law by double dipping. Why the courts protect the big banks over   XXXX    XXXX  persons is a serious injustice and I would like to see accountability in this matter. Part of being  XXXX  is to say that I am no longer able to work, notwithstanding money is in short supply. As such, hiring an attorney to get these liens off of my title is not an option. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (I do not know) with EMPIRE MEDIATION SERVICES LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have been receiving phone calls at work on my cell phone and somehow they call my parents home phone too. It is an automated machine that leaves messages that they are from the mediation department and that I need to " call them immediately to receive the proper documentations ''. They have threatened to garnish my wages and they supposedly verified my wages with someone at my job. They have refused to provide me with written documentation of whatever it is they are trying to collect on. I 've asked them numerous times to not contact me at any number they have of mine. My parents are furious at the phone calls they receive at home. They call me from different phone numbers as well. They call and hang up once I ask for their company name. They can not provide me with any details but insist that I pay them for something I do not owe! They are very rude and obnoxious. I have mentioned to them numerous times that I have filed for BK and they laugh and tell me I 'm full of XXXX! They refuse to disclose any pertinent information yet they insist on me paying them an amount so that they can send me the documents they have. I do n't know what they are talking about and I need them to stop harassing me at work, on my cell phone and most of all my parents home! They work with mediation department and they will be sending papers over to begin wage garnishments and it would be more than XXXX % of my checks! They mention payday loans from a company I have never dealt with before and that company is another debt collection agency! Yet they tell me its a cash advance. They continuously run my credit report without my consent as I get alerts when my credit report is ran. They also mentioned that a police officer would should up to arrest me if I did n't accept the paperwork being file. " Would you be willing to risk it all and be humiliated at your job? '' I want them out of my life! They mentioned if I have received any certified mail and I responded to them that if I did they would have return receipts. They have a physical address but those I do business with have my mailing address. I never received any documents from these people.

Company response to consumer: Untimely response
Consumer complaint received 07/15/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have sent this company several debt validation latters. They have yet to reply back to me with specific questions I requested TRANSWORLD SYSTEM to answer.
Please see the attachment debt validation letter they have yet to reply back to answering " ALL '' questions truthfully with signed affidavit.
<P/>
I have NO contract nor have I ever had a contract with TRANSWORLD SYSTEMS INC. of   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX , PA  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I AM XXXX AND XXXX XXXX XXXX AND XXXX XXXX A THING. 

THEY ARE UPSET AT ME FOR PUTTING IN DISPUTES. THEY ACCUSED ME OF LYING WIHICH IS A TOTAL LIE. THEIR FOLKS PUT ALL IN AND MADE SO MANY MISTAKES. I ACTUALLY WAS THE ONE WHO CALLED ON ALL OF THEIR ERRORS. 

I DO NOT LIKE TO BE ACCUSED OF THINGS I HAVE NOT DONE. 

THE KIDS MADE SO MANY ERRORS AT CITI CARD AND FOR ME OT BE BLAMED IS SICK. IT IS ALSO ABUSE AND LIES. 

XXXX XXXX FOLK CAN XXXX XXXX AND THEY TRUST THOSE TO DO THINGS RIGHT. I WAS WALKED ON. 

I TRIED TO TALK THIS OUT, BUT SINCE I AM XXXX XXXX XXXX AND NO ONE LIKES XXXX FOLKS, I AM TOLD AS ALWAYS, LEAVE US ALONE AND PUT IT ALL IN WRITING. 

TODAY I GOT A CALL AND DO NOT KNOW WHY. 

THEY REFUSE TO PUT MY CREDITS THROUGH. 

I HAVE ALOT OF MILEAGE AND THEY DID THIS ON PURPOSE. 

CITI IS BLAMING ME FOR PUTTING IN DISPUTES. TRUST ME, IT IS MY XXXX AND THEIR WAY OUT OF PROVIDING THE NEEDED TOOLS TO THE XXXX  AND XXXX  XXXX XXXX SO THEY DO WHAT THEY DO TO HURT AND TO LIE TO GET RID OF THEM. LOOK AT THE PATTERN. 

DISCRIMINATION AGAINST A XXXX  AND XXXX PERSON SHOULD BE AGAINST THE LAW. I PUT MY TRUST IN THEM TO DO WHAT IS RIGHT AND THEN I GET ACCUSED OF STUFF I NEVER DID. 

I HAD MY HAIR RUINED AND PUT IN A DISPUTE AND ALSO AT XXXX IT WAS A MESS. CITICARD IS THE ONE WHO MADE SO MANY ERRORS AND NOT ME. I HAD TO CALL DUE TO THEM MAKING THE ERRORS. THE DID MAKE MORE THAN ONE ERROR AND TO BLAME ME, WHEN IT IS THEM IS SICK.

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 11/16/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: My taxes were filed with my tax preparer and were planning to be directly deposited into my checking account. once the day came the money was supposed to be deposited and it was not, my tax preparer and myself realized the wrong account number was put on my tax paperwork knowing this we called Chase and  also called XXXX XXXX XXXX, my tax preparer bank, and had every one on a conference call to let every one know that my income tax check has been deposited into the wrong account and it needed to be fixed and doing so Chase requested that XXXX XXXX XXXX send them a recall for the money. XXXX XXXX XXXX did so XX/XX/XXXX and multiple times afterwards also sent a recall for the funds on XX/XX/XXXX and a few other times afterwards. Chase refused to acknowledge the recalls for the funds and whoever 's account the money was in has spent my money even though Chase had everything they needed to recall the money and send it back. also I am a little confused on why Chase allowed my income tax check with mine and my husband 's name on it to be deposited into an account that had a completely different name birthday social security number and everything I have spoke with a lot of different departments at Chase and they all tell me the same thing there is nothing they can do the money has been spent but I honestly feel like they should pay that money back or the person who spent it should be notified it was not their money. Because XXXX they stole my money. Many their account should be closed or have to pay my money back. when I get to the higher up department at Chase they are very very rude and act like they are annoyed with me. very unprofessional so my money has been missing since XX/XX/XXXXand Chase has done nothing to help me get my money back it was over {$6000.00}. They had what they needed intone to refund my money. They did n't do what they were supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (GA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Hi. My issue is that Comenity Bank has n't reissued the card for my husband that I asked for nor increased my limit. The communication is shotty. I just filed a complaint. Instead of calling like I asked for they say that they can not do anything because there is n't a phone number listed on my credit report. Yes there is. I updated it last week directly through  XXXX . They need to update their systems. Attached to my complaint is my   XXXX   Report that I pulled directly through them with my phone number on it. I requested another card for my husband almost a month ago and I have n't gotten it. I see that they pulled my credit yesterday with my request for a credit limit increase, but no one has picked up that phone and called me. I have already filed a complaint with the BBB. My next step is to file a complaint through whomever regulates them. Is it the  XXXX ? Attorney General 's office. I have a few inquiry 's on my report due to this very issue. I would appreciate someone reaching out to me immediately. I am sure other companies would like our business because we pay our bills on time and we have never been late nor have had a return payment. I look forward to hearing from someone soon.     Please see the attachment in the personal statement section that shows my fraud alert with phone number. The information was updated last week.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was listed as an occupant on a lease with my parents and they ( my parents ) have an outstanding debt with the company. This company has reported the debt with Experian Rent Bureau and both the Rent Bureau and XXXX XXXX refuse to remove the item. I never signed the lease agreeing to be held responsible for any unpaid rent and/or damages to the residence. I am a XXXX yr old single mom trying to rent a apartment for me and my son and this is keeping me from doing so. Attached please find a copy of the original lease and a copy of my dispute with Experian declining to remove the inaccurate information. I do not feel as an occupant that I should be held accountable for the lease as I did not sign any documents agreeing to being responsible nor was I made aware that this was the case. The debt has been sent to a collection agency called XXXX XXXX and they have agreed that I am not responsible and removed the debt from my credit. However the property management company has reported it and refuses to speak to me personally about it or remove it from my Experian Rent Bureau report. Please contact me with any questions. Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Late fee

Complaint: On my XXXX/XXXX/15 Citi card statement I noticed a late fee of {$37.00} and an interest rate charge of {$0.00}. applied to my account on XXXX/XXXX/15. The statement shows a payment of {$60.00} posted on XXXX. An electronically transferred payment! The call rep said she would put in a request to rescind the late charge. She said the payment was received a 'day late '. Citi electronically transfers these funds. Why am I being charged late fees for for funds transferred by CIti? 
I thought the problem was resolved, but my XXXX/XXXX/15 statement revealed otherwise : an additional {$37.00} was ADDED. Each time they gave me a 'dunning ' call they just would n't listen to reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2017 about Mortgage (Conventional home mortgage) with BOK FINANCIAL CORP (TX).
Issue: Trouble during payment process

Complaint: On my XXXX XXXX Mortgage Statement, I had a charge of {$18.00} for taking photos of my home. I have never seen that, so I turned the statement over and it stated that photos are taken of your home is your home is in default. PROBLEM! MY HOME IS NOT IN DEFAULT NOR HAVE I EVER MISSED A PAYMENT. I looked into my account online and it was noted that the transactions of {$18.00} occurred twice. I never received a phone call or email from the company regarding the mistake, only the that someone from Bank of Texas has been in my account twice.

Company response to consumer: Closed with explanation