milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (SC).
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 spoke with Chase 's resolution department about a message I received today XXXX2017, and the first female I spoke to did not seem to understand why I was called ( I  assumed a language barrier/spoke broken XXXX ). The second female rudely told me the call took place on the XXXX. I received the voicemail today, and my cell notes it was received today XXXX17. She said my dispute had been closed. They did not dispute anything! To date, I have called XXXX 3 times. XXXX ( XXXX XXXX, SC - Store Manager XXXX ) remembers my previous call with her about a week and ago. She thought the first charge of XXXX ( XXXX XXXX ) had been charged back. The second charge was a XXXX different XXXX ( XXXX XXXX ). The female in the Chase resolution department told me it was my fault the dispute was closed. Supposedly a letter was mailed to me a month ago, but I did not get it. One was sent a week ago, and has not yet arrived. If I knew this had to be in writing, I would have done it the first day. Chase does not handle disputes like any other credit card. If I have detailed the issues on-line, I should not have to do it again in a letter. I certainly should not have to speak with someone who refused to reopen the dispute, but would happily transfer me to cancel/close my card. This is despicable service. I can tell Chase does not value my business. The only charges from XXXX were made on XXXX XXXX and charged on the XXXX. I was told XXXX was the total for some brackets which would be mailed to me. On XXXX XXXX, I got an e-mail saying they were on their way, but that they were XXXX. When I looked at my statement, I had been billed twice. I have called XXXX 3 times, left a message for XXXX, and spoke 2x with XXXX. Chase has done nothing! This is an unauthorized charge. I should not be charged additional charges by vendors, alert Chase, and then have Chase refuse to dispute the charge. I am also filing a complaint tonight with the Consumer Financial Protection Bureau. Chase has refused to follow-up on this dispute. Chase have been negligent in handling this issue. The female who refused to transfer me to someone who would assist me, and would only transfer me to someone who would cancel my card was not only negligent, lacked any trace of customer service, but she should not be working in any customer service profession.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Consumer Loan (Installment loan) with U.S. BANCORP (NV).
Issue: Taking out the loan or lease

Complaint: USBank has a pilot project for small dollar loans from XXXX to XXXX dollars, an installment plan to pay it back in XXXX payments. 
On XXXX/XXXX/17 at XXXX XXXX, I phoned the number on the email that was sent to me and gave all information needed. I was asked my residency and told them i am on a XXXX visa in the united states. The agent checked with the underwriter and the underwriter gave approval for a {$1000.00} loan. I was told the money would be in my account within 48 hours. I withdrew the {$1000.00} from my account at XXXX XXXX on XXXX/XXXX/17 ( after the 48 hours had passed ). The money was not in the account. Ii have been charged overdraft fees since XXXX/XXXX/17. I phoned the same division on Monday XXXX/XXXX/17 and was told the quality control at the bank had put a hold on the loan, even after underwriter approval. The agent told me she would look into it and contact me within 1 hour. I did n't received a call back. I phoned again XXXX/XXXX/17 and was told that no response back from the quality control division. I phoned again on XXXX/XXXX/17 and they told me that the loan was denied ( this would be 1 week after it was initially approved ). I have been charged overdraft fees and they bank would not credit them back to me. Until my last call was made, i had received no calls from the bank explaining the loan had been denied.

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 08/25/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX, I submitted my Income Driven Repayment ( IDR ) renewal application with supporting documentation to Great Lakes. I received an email stating that it was received and would be processed within 20 days, or before the XX/XX/XXXX deadline. My loan was then transferred to myfedloans because I am eligible for public service loan forgiveness. Great Lakes did not process my application prior to transferring the loans. The deadline lapsed and I received notice on XX/XX/XXXX, that I would have to reapply for my IDR renewal. However, since the original deadline lapsed, the interest on my loan will now capitalize. 

This is the second year in a row that Great Lakes did not process my paperwork on time even though I sent in the information early. In XX/XX/XXXX, Great Lakes allowed the deadline to lapse without processing my paperwork even though I sent it in on 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 03-07-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX, 2015 I called Capital One Auto to get a settlement amount for the repossessed vehicle that they have already sold. I asked them to send it in writing with the amount and the payments that were agreed on. I was told that this would happen. Three days later the loan was written as a charge off and I 'm told that there is no one to contact for this account at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: They were sent a certified letter in regards to the account. Sent me a letter back stating it was not my account so they can not talk to me about it. So therefore it should not be reporting on my credit report. All correspondence is attached

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 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Filed for bankruptcy on XX/XX/XXXX. Experian flagged my credit report with the bankruptcy information. All the companies I filed on also reported "debt included in discharge through Bankruptcy ChapterXXXX" with closed. Including XXXX, I also filed on them and included them in my Bankruptcy. I received my discharge XX/XX/XXXX. Experian has not flagged my credit report as discharged and all my accounts reopened. This information is not correct. I have disputed with them and nothing has been done.

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 08/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Six years ago I had my debit card stolen and someone deposit a check into my account using my PIN number. They also withdrew the remaining amount of money I had in my account. They withdrew about {$1000.00}. I let Bank of America now and they spent a month investigating and then let me know that about a week into the investigation they deleted footage from the bank of America ATM machine of the robber. I had a police report and followed all the steps that they required. I checked and there was about a $ XXXXXXXX {$500.00} limit on withdrawals so I do not know how they were able to withdraw almost {$1000.00} within a day. After about 2 to 3 years they forwarded the information to the XXXX and to this day I am unable to open a bank account because of this. Throughout this whole process the bankers at the location that I open my account where extremely rude to me and the people that were speaking to me on the phone treated me like I was a criminal even though I had a police report and they deleted the footage of the people that stole my card.

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 08/14/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Customer service / Customer relations

Complaint: I used a Bank of America, XXXX card XXXX months ago to purchase a plane ticket, reserve a rental car, and to reserve a hotel room XXXX. The following day I was told my card was used for fraud and they cancelled my card and would sent a replacement in XXXX days. After XXXX month I contacted them and said I had not rec 'd the cards. They then told me I had to call. I am presently in the XXXX and my address is in XXXX. The first person I spoke to said he would send the cards overnight to me in the XXXX. It was a Collect call, but I ran out of time before I gave him the address here. When I called back I spoke to XXXX different people, with each it got worse. Now they said I have to call their Credit Dept., by now I have spent more than {$100.00} on phone calls. I tried their message center, that is worse, I keep getting a form letter and told to call. Now I asked for my monthly payment amount and balance, because it looks like I 'm not getting a card. I still get no answers to my questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a ( disputed ) debt XX/XX/XXXX per the " settlement '' offered. The check, marked " paid in full '' was cashed XX/XX/XXXX and now, nearly 4 years later, Progressive Financial Services is attempting to collect additional monies.

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 02/19/2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called XXXX XXXX XXXX XXXX, XXXX XXXX, Insurance representative, XXXX for an insurance quote. He said lets see if the cost of the policy goes down if you insure a vehicle with us and put auto insurance in the system. The insurance I was getting a quote for was my employer. The vehicle XXXX XXXX put in the system was already insured and belong to the business. I was not looking for auto insurance. XXXX did not go with this quote and forgot to cancle the make believe auto policy. I called him and his manager and asked them to stop sending policy payment request. They both said they would handle it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Army and Air Force Exchange Service (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a card with   XXXX   XXXX   XXXX  , well i fell on hard times and was  XXXX  i missed  XXXX  payments and they garnished my  XXXX  check for  XXXX  yaers i made payments of  XXXX  and then they took my tax refund from a tax offset of  XXXX . The card was a  XXXX . Limit. And listed on my credit bureaus was  XXXX  with late pays.. with making payments of  XXXX  a month for 2 years is not even close to oweing them over  XXXX . They owe me a refund when i told them of their oversight they told me i never paid them.. even thou i have all the TOP payments made to them. I do not feel they are justified to steal someones money just cause they can for 2 years they took payments and then they take  XXXX  from tax refund.. how is that legal. I wrote them  XXXX  letters and  XXXX  emails. They refuse to make this write. Please help me.

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 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XX/XX/XXXX RE : Collection Account Account Number : Unknown- Barclays Bank Delawa ( opened on XX/XX/XXXX ) Dear Sir or Madam : I have recently obtained a copy of my credit report, and it shows that you have reported Barclay Card as " placed for collection ''. I have NEVER had an account with Barclay but I do believe my Ex-boyfriend XXXX XXXX used my information and opened a XXXX account for his childs mother and him committing fraud. Barclay told me because payments were made to the accounts I was liable for it, but there was no recognition from Barclay how it was approved, who signed for it, where payments were made, etc. I sent in paperwork several times to Barclay card showing them the police report. I have called time and time again trying to find a resolution but I never get responses from Barclay and they are always very rude to me saying they have recorded conversations where I said I wanted to pay only because I was scared about them ruining my credit score when I found it on my credit report. I was very young and scared and their tactics werent nice at all. This reporting placed by you is very disturbing and it is doing serious damage to my credit rating. For the past two years, I have been working diligently at improving my credit so that I can buy a house for my family and this keeps showing up and holding me back. As you know, you are required by law to make sure that bills are accurate and sent to the correct address. I have never received any bills or I would have contacted you immediately to notify you that I do not have an account with XXXX nor have I ever until now. 

I hereby request that you take the following steps to remedy this situation : - Send me a notarized statement attesting to your compliance with all provisions of the Fair Credit Billing Act with respect to this account. 
- Provide any and all documentary evidence of my indebtedness for all charges you claim including billing statements to me. 

Please attend to my requests promptly as time is of the essence. 

If I do not receive the above requests within the period prescribed by law, I will expect to receive written notification that you have, in fact, made the required deletions from your reports and that you have removed from my file any reference to the disputed account. If you can not provide the statements and documentary evidence required, then I insist you delete all negative references from your reports to XXXX, XXXX, and XXXX. I also require that you communicate with me only in writing. Please do not contact me by phone at any time for any reason. 

**To verify my ID and my address, I am enclosing copies of my ID as well. 

Sincerely, XXXX 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 10/23/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: Chase bank puts holds on all of my purchases, debit and credit. I always go to the same gas station and the debit purchase is ALWAYS on hold for at least 2 days. They have a policy of not charging overdraft fees for under {$5.00} -- yesterday was the day before payday, so I was going to put {$4.00} in the tank like I have to do sometimes but the pump was stuck and ended up giving me {$5.00} - I went to the bank branch nearby ( they are always very nice ) and they looked at the history and said that yes it should take a few days to go through and since I got paid today, there should be no overdraft fee. 
I have noticed that WHEN they can charge a fee for a purchase, they will have that purchase go through that same day instead of pending it for a few days. I was charged a {$35.00} overdraft fee because they did n't hold this purchase like they normally do - I realize it was my fault technically for going over the {$5.00} mark by XXXX cents, but it is these overdraft fees that make it very hard to pay my student loans and other bills and lead to further overdraft fees because I am always playing catch up ... It seems like they are not playing fair by choosing what purchases to " pend '' and what ones to rush through just so they can charge a fee. Because I try my hardest to pay all my student loans and rent, etc on time, I live paycheck to paycheck and often have to rely on that & lt ; {$5.00} rule - but I still have paid Chase over {$200.00} in overdraft fees since XX/XX/XXXX ... It is a HUGE burden on XXXX people, on people struggling with masive amounts of student debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (ID).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to www.equifaxsecurity2017.com, Equifax compromised my private information during the " hacking incident '' as of XXXX. They waited until XXXX to make the public aware. According to XXXX, Equifax 's Chief Officer of Security obtained her degrees in XXXX XXXX. I believe this was negligence on the part of Equifax to treat network security so haphazardly, given the amount of information on the amount of people they currently have the information of. More than one hundred million Americans are impacted by this incident. Equifax can not directly be reached by phone or email at this time. 

This incident will impact the rest of my life, and possibly even beyond that, as the information that has been misused includes my birth date, full legal name, SSN, all applicable prior addresses and legal relationships. It will cost me thousands of dollars to keep my compromised information from being used against me over the coarse of my life time, including fees for freezing and unfreezing my credit, expenses for credit security, and so forth. 

I never consented to doing business with Equifax, but it is known that they have information of everyone who has ever had any kind of loan, debt, bank account, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased a computer through XXXX on XXXX 2014 for {$680.00} with no interest for XXXX month through GE Financing. The first payment for {$36.00} made to bring the balance down to {$650.00}, after that I made arrangement with my bank to send {$50.00} a month on the XXXX part of each month, after XXXX month I checked a statement for the fist time, my balance instead {$150.00} it was {$240.00}, I called customer service and ask them why? they said those are late charges, because the payments were due beginning of each month but we have received them few days late and you were {$35.00} late charged every month, I told them I did not know otherwise I would have send them long before due date as I do it for my car and house payments almost XXXX month earlier, you have received payments regularly every month at a same time and also you were payed more than a XXXX, also I paid off the whole amount in XXXX year, but the logic was not acceptable to them. At the end of our argument I suggested {$70.00} to settle the case down ( punish myself for trusting them ) but it was not accepted instead they ask for {$200.00} and I did not accept it either, I believe they are a rip off. Please let me know what my legal actions are? sincerely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with CITIBANK, N.A. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I do n't have the original receipt but in either mid-XX/XX/XXXX/early-XX/XX/XXXX, I purchased a couch from XXXX on XXXX XXXX in XXXX, IL. I originally used my bank 's debit card, in-store, transaction went through smoothly. Less than a week later, the couch went on sale ( {$20.00} reduction ) and was told they would adjust the purchase to the sale price since it was just a couple of days between the purchase and the sale. On XX/XX/XXXX, I received a fraud alert from my bank requesting that I authorize a department store charge in the amount of {$910.00}. It seemed odd because I had already paid in-store approximately a month prior. I checked my account online and saw that XXXX made the charge in store, reversed it and then charged my card again on XX/XX/XXXX. I authorized my bank to approve the charge. However on XX/XX/XXXX,  XXXX again charged {$910.00} triggering my bank to send another fraud alert. At this point, I was annoyed with XXXX dipping in and out of my account ( for the 3rd time ). I attempted to contact XXXX to send them a check for the payment to settle this entire thing. After much back and forth with that, I sent them a check which took them nearly 3 months to process. Fast forward toXX/XX/XXXX, XXXX is again calling and emailing me saying that I owe them {$910.00} for the couch I purchased 2 years ago. I have the cancelled check from my bank but my experience with XXXX unprofessionalism, and horrible accounting processing has completely put an end to me ever dealing with them again. By the way, I was told when I paid the full amount by check, they would process and adjust the price and refund me the difference to reflect the sales price ... never happened.

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