milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (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: Last   XX/XX/XXXX  / XX/XX/XXXX , I logged on to my husband ' s Amazon account. I applied for an Amazon Credit Card through Chase Bank. I set up the payment method on the Amazon account to the new Chase Card. This  replaced my husband 's    XXXX   XXXX   XXXX   XXXX   as the default payment method. My husband did not realize that I   had done this.   While working out of town my husband ordered items on his  Amazon account. The items ordered were charged to my Chase Card because it was selected as the default payment. When I received my Chase statement, I saw the charges and determined that I did not order them. I then called and disputed th ese charges in  XX/XX/XXXX . After the charges were disputed my husband s Amazon a ccount was suspended until the charges were paid. After we sorted this out, my husband paid for all of the items that were disputed with his   XXXX   XXXX   XXXX   which was on file wi th Amazon. His account was restored. Chase di  d not ask for any proof the charges were paid or by what method. It took two phone cal ls and writing a letter to them to get them to dispute the charges. I do n't believe this was done until  XX/XX/XXXX  time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX I received a text message that my ATM card had been used to withdraw {$40.00}. I was sitting in my hairstylist 's chair with product in my hair so I was able to call immediately. Fortunately, within 15 mins I was able to wash my hair and excuse myself from the rest of the appointment to call Chase and let them know there must be some mistake. I was 30 minutes away from the ATM location listed on the charge ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ). I still had the ATM card in my purse with me. The representative assured me that my money ( {$40.00} ) would be returned to my account, but that the card must be closed. I asked how this could happen. This was a newly activated card and I had only used it at another Chase location ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) a few times. Again, representatives told me that thieves have ways to clone cards and copy pins. Since I was getting my money back I was relieved, but aggravated I had to get a new card. The money was returned that same day. 
Then on XX/XX/XXXX, I noticed a pending reversal on my account for the {$40.00}. Chase never notified me that they denied my claim. As of today I still dont have such notice. I spoke with XXXX XXXX from the XXXX XXXX branch and he has tried to help. However, Chase corporate will not release video tapes to review who was using my stolen information. Nor will Chase review how many other accounts this may have effected at the XXXX Chase ATM. I strongly believe I am not the only one. {$40.00} is very small, but if you take {$40.00} from multiple people this could add up quickly. Its someone who knows how the system works. They use a low amounts so it is least likely to be detected in a timely manner and not enough to warrant a police report or seizure of surveillance tapes. Since this theft occurred at the Chase locations ( I NEVER used my card anywhere else ) Chase is responsible for the money stolen. For all I know it could have been an employee at Chase or Chase simply not properly monitoring their ATMs for hacking devices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been making payments on my private student loans since XX/XX/2012. I believe the first 2 years were going to be interest-only payments. However, I was doing research into my payment history today and found that ever since then ( approximately 5 years ), my payments are inconsistently applied to interest and principal. For example, if my payments are made on time, {$0.00} of my payment is applied to the principal and all of the payment goes toward interest. Many payments are showing that {$0.00} or some other small fraction of my monthly payment has actually been going to pay off my loan. Because of this, it ends up that on one of my loans, I have only paid {$550.00} in actual loan debt since my payments of about $ XXXX/mo on that loan began XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 CONSTANTLY CHECK MY CREDIT FILE NOW AND I LOOKED AT MY REPORT AND NOTICES A LOT OF ACCOUNTS THAT JUST POP UP ON MY CREDIT FILE ( WOW ) THESE ACCOUNT TRULY DO NOT BELONG TO ME I HAVE CONTACTED XXXX  IN REGARD TO THIS MATTER VIA CERTIFIED MAIL AS WELL AS NOTARIZED AND THEY STILL HAVE NOT DONE ANYTHING WOULD THIS HAVE TO DO WITH THE XXXX BREACH? IF SO WHY WANT THEY HAVE SYMPATHY FOR THE CONSUMERS WHEN WE TELL THEM THE TRUTH THE CREDIT BUREAUS SUPPOSE TO PROTECT THE CONSUMERS XXXX DO NOT DO ANYTHING AT ALL TO HELP THE CONSUMERS ALL IT TO THEM IS A MONEY MARKET

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 10-01-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Customer service / Customer relations

Complaint: Chase put an hold on a XXXX Credit Card and did notify the consumer. 
1 ) Issued credit for XXXX 2 ) Put a hold on the account after charging {$530.00} against credit 3 ) Did not notify the customer on credit freeze - reason for freeze unknown 4 ) Blocked disputes online 5 ) 5 phone transfers including supervisor to verify account - rude agents, not nice 6 ) Over 1+ hours to verify account - call transferred again 7 ) International agents asking highly sensitive questions about credit related questions after the account is opened - i.e., what is the point in verifying the account after charges are already levied 8 ) The agents are outside of America and are not under US Jurisdiction - in case of real consumer fraud, it is impossible to extradite their frauders back on US soil to face charges both civil or criminal 9 ) Agents have accents that are difficult to understand causing undue stress, harm and frustration resulting incorrect verification. 
10 ) Countries being used are non-democratic authoritarian countries with a poor human rights and labour laws/standards 11 ) XXXX, high XXXX activity, very high risk of data theft and risk to millions of American consumers - i.e., data can be used to track citizens, purchases, and other activity by competitor nations. 
12 ) Bank can not guarantee security of consumer or security of data 13 ) Bank is forcing American citizens to engage with international audience ; banks policies themselves create unfriendly interactions with international audience - resulting a negative perception of Americans ; i.e., undermines soft power and diplomacy in the region. 
14 ) State Department should conduct an audit on all international call centers and survey to see if these cross-cultural interactions advance soft power or undermine it ; i.e., private organizations should have regulations and federal guidelines that promote positive US perception In this case bad bank policies and procedures ( not notifying client of account freeze for two months ), freezing account without merit, and transferring unhappy US customers over to another country ( most pivotal region of the world ) does not promote US interests abroad. 

The job of the government to review these issues holistically and in a XXXX degree. 
1 ) Bank policies, notification protocols and communication with customers ( Business Operations ) 2 ) Outsourcing and type of call being outsourced and locations vs. US strategic interests ( Foreign Relations ) 3 ) Security of US consumer data ; identify theft and risk of foreign actors exploiting this for self-interest, etc. ( National/Human/Cyber Security ) 4 ) Consumer experience ( Domestic Reputation ) Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Rewards

Complaint: XXXX Mastercard does not honor their promotions giving bonus points for purchases during the promo period. 

I signed up for a XXXX points promo during XX/XX/XXXXXX/XX/XXXX. I made {$38.00} of purchases in that period. I only received XXXX points in my XX/XX/XXXX statement. I should have received XXXX ( $ XXXX ) points. I have informed them but they have ignored my complaint. 

I signed up for a XXXX points promo during XX/XX/XXXX-XX/XX/XXXX. I made {$38.00} of purchases in that period. I only received XXXX bonus points in my XX/XX/XXXX statement. I should have received XXXX ( $ XXXX ) bonus points. I have informed them but they have ignored my complaint. 

I signed up for a XXXX points in the shopping category promo during XX/XX/XXXX-XX/XX/XXXX. I made {$50.00} of purchases in the shopping category in that period. I only received XXXX bonus points in my XX/XX/XXXX statement. I should have received XXXX ( $ XXXX ) points. I have informed them but they have ignored my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Mortgage (FHA mortgage) with Seterus, Inc. (IA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a very easy correction to Seterus mis applied payments. All they have to do, is apply my payments for principle and interest to the amortization table. Since all payments were made on a timely basis, this is a no brainer. 
I thinks Seterus knows they are wrong. I have received XXXX XXXX for XX/XX/2016 as they are trying to correct the misapplication of my payments. This means any tax returns previously filed require amendments. They are waving a red flag to the Internal Revenue Service that my taxes have been misfiled. This has to be deliberate At least by attempting to correct their records, they acknowledge late fees should never have been assessed. They need to tell the credit agencies that my payment record is timely and never late. 

These people ca n't apply a payment correctly, manufacture fake fees, mis report to credit agencies, pay fake bills and ca n't correct their mistakes. 

They are incompetent and should not be allowed in business

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am filing an additional complaint on behalf of Case number : XXXX. I have heard back from Wells Fargo in regards to the deed in leau, but it is the same response as always. XXXX ( the home preservation specialist ) stated I need to submit the same exact documents that they already have on file and then made up additional documents that they 've never needed before. I requested that they send the ENTIRE list of documents needed in one letter so I do n't have to keep re-sending them, which I 've never received. This was all before XX/XX/XXXX and now I have heard NOTHING back from them since. I also reached out to XXXX XXXX, but she has yet reached back to me to respond.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan was purchased by Greentree Servicing LLC in XXXX. The XXXX payment was due to them on XX/XX/XXXX. We made the payment via telephone on XX/XX/XXXX of XXXX. The next month we went to make the payment and was informed they did n't have the payment from XXXX At this point we provided to their collection person the reference number, the time of day ; bank information ; sent bank statements. No resolve until XXXX. However, during that time all payments were being held by them because the rep told me " they hold them until all payments are located ''. I asked would it be considered late. They advised me NO ; because they are not late they are just trying to find the payments. We are now attempting to change lenders and found they are reporting late payments since XXXX which we were not with them until XXXX as well as we could not access the website until XXXX because they were holding the payments. We talked to someone from Greentree almost every other day regarding the payments. No one called as promised it was us calling them. Then they went up on our mortgage payment which they said was due to escrow because the payments were not being paid. I was advised my husband would have to call in after all payments were found to request a new evaluation. Well two weeks ago we did that and they told us we could not until next year. This lender is not only making false statements but the customer service here is horrible. Today, XX/XX/XXXX I called in regarding the late payments we were advised of and was told it has to be in writing and could take two weeks. I asked the guy I was speaking with for a supervisor and he transferred me to the voicemail. We are due to close on Monday, XX/XX/XXXX and need this to be corrected immediately not in XXXX weeks. The payments were made as they were set to make and we have not been charged any late fees. I believe this is another ploy by this lender to ruin our information so they can continue to balloon our mortgage. Your help is needed to have the payments reported correctly and updated to the credit bureau immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX account was used last in XXXX XXXX. According to FRCA rules and Bankruptcy rules, these XXXX XXXX accounts would be have been deleted XXXX. Yet Trans Union consistently using this information and deliberately hurting my credit score. 
XXXX XXXX Accounts were not late at all. It was switched from one program to another program. Yet Trans Union consistently using this information and deliberately hurting my credit score. 
Address is wrong. They can not get the address correct after writing 20 times. The correct address is XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, CA XXXX. 
I have mailed many times to Trans Union to correct these errors. Trans Union is harassing me and deliberately hurting my credit score without verifying information per FRCA law and putting back deleted information again and again. 
I need corrected credit report.

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 10/23/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I took out a personal loan from Wells Fargo on XXXX XXXX 2012. I set up automatic payments to be deducted from my account for this simple interest loan with amortization. The total amount of the loan was {$12000.00} at a rate of 16.454 % and my loan payments were {$290.00}. The interest rate was supposedly given a discount because I was already a Wells Fargo customer and part of the arrangement was that I was required to set up automatic payments to be deducted from my bank account on a monthly basis until I completed payments on the full term of my loan. The loan length was 60 months. I started to receive phone calls this month from Wells Fargo with a very vague voice message being left just to contact Wells Fargo several times a day but I thought it might be a scam so I hesitated to answer until a few days ago. I answered because the calls are we coming quite bothersome and more frequently. The person on the line stated that I owed money on a personal line of credit. I told them I should not owe anything and that was not mine because I had a personal loan but the payments were automatically deducted from my account so there 's no way that I could have owed a balance. The gentleman stated that the last payment was not deducted because the amount deferred then the usual payment amount and that I was to have contacted the company to make arrangements for payment. So I contacted Wells Fargo and spoke to several departments finally ended up with the executive department and filed a claim stating I should know anything because they responsible for the deducting the automatic payments on a monthly basis which was part of the agreement when I sign the contract to obtain the loan. I reviewed my contract and it was not clear that I had to make a payment for my final payment and I complain to the company that I felt defrauded because now they were charging additional fees because I had supposedly been late with the payment and I explained again that the arrangements were they were to to deduct the payments for my account. I 'm not trying to get out of paying money that I owe but the seams and unfair practice to me to squeeze me for more money when they could have simply deducted the when they could have simply deducted the final payment as had been arranged but now have sent me to collections.

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 08/30/2016 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed XXXX XXXX on my experian and XXXX credit reports. I get a message back a few days later saying they investigated it and its mine. I 've also sent XXXX XXXX a letter asking them to validate the debt. They have been unable to do so. Since they are unable to validate the debt it should be removed from my report. This company was already sued for trying to collect debts that were not correct.

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 03/24/2016 about Debt collection (I do not know) with Receivable Solutions, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I feel as if my student loans through Navient have severely crippled my ability to progress as an adult and move out as the interest is overwhelming and leaving my future handicapped in a difficult job market. Now that a lawsuit is surfacing I feel that I have been robbed and taken advantage of as a young adult trying to better and further his career / life. I hope that something can be done to reduce this stress and amount of monthly interest. Every night I sleep I lose at least XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Credit card debt) with Mitchell Rubenstein & Associates, P.C. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: offices of Mitchell Rubensten & Associates are under courts favor of a garnishment agenst my Wife 's bank account for the amount owed. in sort my wife lost her job and my income was the only one coming in. are bank accounts are connected but sepurate. Mitchell Rubensten & Associates had all the account she was connected to Lock 100 %. this included my account. this lives me and my wife with no money for other bills that are due. I have tried to talk to them about my account. but nothing but you will have to wait until the next court date of XX/XX/XXXX in XXXX county the case number they have is 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 12/26/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: After work one night I went to a local ATM to deposit money. I deposited almost {$500.00} in the ATM. A sign appeared on the screen stating that the transaction could not take place but my money was never returned. I filed a claim with Chase. The claim came back unfounded and they said they could not locate the funds. I asked who investigated and when to which they could not answer. While going over the details they realized they made the claim for the wrong ATM. So they opened a new claim. This one also came back unfounded and they stated again they could not find the funds could not tell me who investigated when they investigated or how they investigate. During the claim process they gave me a loaner amount of {$500.00} while they investigate it. When the claim came back unfounded they remove the {$500.00} without warning and it caused massive overdraws on my account. A total of five insufficient funds fees totaling {$35.00} a piece was applied to my account. I asked them to remove these fees as they were inappropriate and it was unfair to charge me these fees when they did no such investigation whatsoever. I have tried multiple times to find out how they investigate when where and who investigates with zero answers being given to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-10-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: hi, XXXX equifax reinserted my son 's ( same name, Im sr, he is not ) bankruptcy, wage earner, collections, judgement, XXXX inquiries they just placed i only had XXXX inquire in XXXX years, false accounts and false alerts not placed by me in my files. for over a year I have fought and begged them to fix my credit, to remove what 's not mine and they refuse or play games, we lost the opportunity to purchase foreclose property denied by suntrust because equifax, our score in other credit companies are about XXXX.

Company response to consumer: Closed with explanation