milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
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: A {$500.00} charge was initiated on the card by XXXX App on XX/XX/XXXX. The merchant promised to deliver 2 {$500.00} gift cards for this amount. The promised delivery date was XX/XX/XXXX. The merchant was contacted multiple times and eventually they promised a refund after the delivery date was missed. I have proof of these contacts. 

After receiving no refund, I opened a dispute on XX/XX/XXXX. According to my billing statement, it looked like the merchant had refunded me manually since the {$500.00} credit did not say anything about a temporary credit. I then canceled the dispute assuming that it was resolved. I contacted Chase via secure message to let them know I am ONLY canceling the dispute under the assumption the merchant has done a refund on their end. This was obviously not the case, and on XX/XX/XXXX Chase rebilled me {$500.00}. 

I contacted Chase on XX/XX/XXXX and was told I needed to fax in a letter to reopen the dispute and get the {$500.00} credited back. I did so the same day. I then contacted Chase on XX/XX/XXXX to check on the status, and Chase informed me they had not received the fax. I was told that I needed to send it again to reopen the dispute. I have confirmation that the fax was submitted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/14/2017 about Money transfer, virtual currency, or money service (Virtual currency) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other service problem

Complaint: Hi, I opened an account with XXXX and tried to link my account as payment method the reply was Capital One bank is blocking me from linking my Capital One account to my XXXX account. 
I called custumer service to fix this, but the representative they cant help me with that. 
so i am filing this complaint because it is my right to have access to my account to external applications. 
XXXX XXXX disgruntled XXXX bank client

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Other debt) with Law Offices of Les Zieve (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: LAW OFFICES OF LES ZIEVE contacted me in XXXX of XXXX stating it was a debt collector who was attempting to collect a debt. The documentation ZIEVE sent by mail ( see attachment ) clearly indicates it is a debt collector attempting to collect a debt. 
Require ZIEVE to describe the debt that it was attempting to collect, i.e. : line of credit, conventional loan or other. If ZIEVE was not collecting a debt, explain why it 's document states otherwise and to state for the record that it was not attempting to collect a debt as it 's document leads consumers to believe. 

I have sent a previous complaint to ZIEVE in which it 's agency has given a general statement and has failed to answer if it was or was not a debt collector involving the attachment it sent. 

I am not a party to a lawsuit and request that the complaint is posted for public viewing.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Portfolio Recovery Associates lead me to believe that if I paid two separate accounts that they would remove them from the credit reporting agencies. They have not removed them and they have also been improperly reporting them to the credit agencies. They are still listing them as in an open and unpaid status. They have been paid back in the summer of XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit card () with CITIBANK, N.A. (CO).
Issue: Billing disputes

Complaint: XXXX/XXXX/2015 - purchased XXXX items at Macy 's on Macy 's credit card totaling {$100.00} ( only transactions on this card ) XXXX/XXXX/2015 - billing cycle ends. Balance due {$100.00} due XXXX - returned XXXX of the XXXX items to Macy 's . Rec 'd credit of $ XXXX - XXXX/XXXX/2015 made additional purchases/returns on XXXX - returned the XXXX item purchased on XXXX. Rec 'd credit of XXXX ( all XXXX items from the XXXX purchase of XXXX have now been returned with a credit of {$100.00}, comprised of {$67.00} and {$34.00} ) Balance due on NEW purchases in current billing cycle now {$68.00}. 
XXXX/XXXX/2015 - received next statement with a Late Charge of {$25.00}, because the minimum payment of {$25.00} from the XXXX/XXXX/2015 statement with a total balance of {$100.00} was not paid. 
Argument - I am being charged a late fee on the balance for NEW purchases. After arguing ( nicely ) with the billing department ( XXXX ) and her putting me on hold SEVERAL times and consulting with her 'senior associate ', she came back at least XXXX times to tell me why the late payment was due ( not having made a minimum payment ). I continually explained to her, that the minimum payment due was paid via returns of ALL items and thus the late fee is being calculated for not paying a minimum due on CURRENT purchases. 
After XXXX minutes on the phone, and her last consult with the 'senior associate ', she told me that because my purchase was on XXXX/XXXX/2015 and I had a credit on XXXX/XXXX/2015 greater than the minimum purchase, that she would refund the {$25.00} late fee. 
While that is great, I will now pay my balance and likely close this card permanently, it was not refunded for the right reason. I told her that I was happy it would be refunded and asked why it was charged to start with. She said " we do not know ''. 
I have to imagine this violates Reg Z in some way ( APR would be understated for a fee being charged as well as disclosures ). While that 's the regulatory reason, the reputation risk that Macy 's just endured is a loss of business due to employees not understanding the regulatory impact of the credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, Experian, XXXX  XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. Cable Bill? XXXX XXXX XXXX Account # XXXX 2.Phone Bill? XXXX XXXX XXXX Account # XXXX 3.Medical XXXX  XXXX XXXX XXXX XXXX , Account # XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX Social Security Number

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 05-01-2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX/XXXX/XXXX I am writing this letter on behalf of the lack of concern, underhanded tactics, a total disregard and disrespect of customers, conduct unbecoming of professionals whose job is to deal fairly and justly with customers facing financial hardships, regardless of the cause of the hardship. 
On XXXX/XXXX/XXXX, I filed a Chapter XXXX bankruptcy in an attempt to get a handle on my debt. I received a letter from Green Tree Servicing LLC, informing me that my loan was being transferred from XXXX XXXX to their company and would be in effect on XXXX/XXXX/XXXX along with my new account number and the mailing address. 
The bankruptcy was discharged on XXXX/XXXX/XXXX, but I kept receiving monthly billing statements and was paying them because I was told that I still had to pay because this was owed and if I did n't, I could very well lose my home. 
On XXXX/XXXX/XXXX, I made a decision to see a credit counselor to try and clean up my credit. When I received a copy of my credit report, both Green Tree Servicing LLC and XXXX XXXX XXXX appeared with the same outstanding balance of {$25000.00}. I requested that XXXX investigate and correct the account. 
I made payments to Green Tree Servicing LLC from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX in the amount of {$3900.00} ( USA Dollars ). I attempted to to speak to Green Tree Servicing LLC concerning the matter, but, I was given the run around and told that someone would contact me but no one ever did.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Account opening, closing, or management

Complaint: I opened a checking account, savings account, and a credit card with Chase Manhattan Bank, using XXXX of my company 's check 's totaling {$1900.00}, and I put a {$4200.00} cashier 's check in my savings account. They then told me it would take time for the checks to clear. After the checks cleared they refused to release my funds stating they need to verify the signer of the check. The signer of the company 's check went to the branch twice, and along with the bank representative did everything the fraud department requested. At that tine the bank rep. requested the funds be released. Later that day we found out that the fraud department still refused to release my money. I 'm disgusted, and told them to close my account and return my money. They said it would take XXXX to 45 days to get my money after the account closed itself funds would be released. XXXX XXXX days later they still had my money. Chase had closed my account, took the funds out my account, and put it in a special account. Chase Manhattan Bank stole my money and refused to return it. When I went back into the bank I was back to square XXXX, where they told me they still needed to verify the signer of the check after 45 days. If they thought this was fraud why did n't they return the money to my company?????? instead the just kept the money ... .what if my company closed and I could n't find the check signer ... would they just keep my money. Luckily the signer of the check is getting a copy of her signature from my company 's bank. If we are successful it will take another XXXX business days ... the saga continues.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I began receiving bills from Experian XXXX XXXX with the merchant number XXXX CA & XXXX CA on my XXXX XXXX XXXX XXXX XXXX starting in XXXX, 2015. I did not authorize this transaction. Since I rarely use the card, I did n't notice the billings until I started to receive notices from XXXX that I had an overdue account billing. I contacted both XXXX and Experian to settle the issue. 

Experian cancelled my account which had been opened with my credit card number, but under a different name. The company did not, however, remove the balance from my credit card. XXXX in turn had cancelled my card, and issued a new one. The balance remained however, totaling {$93.00} as I file this complaint. XXXX also declined to remove this balance off my account. 

On Wednesday, XXXX XXXX at approximately XXXX EST, I contacted XXXX via telephone to settle this matter. The XXXX customer service person I spoke with eventually called Experian, and thus began a XXXX conference call. The Experian agent indeed noted that the existing balance was opened under a different name than mine, and the account had been closed, but that it was company policy to not issue a refund. The XXXX representative informed the Experian representative that the call was being recorded. This did n't sway the Experian employee, and I asked to speak to a supervisor. 

A supervisor named XXXX, ID # XXXX, confirmed what the previous representative said, that despite me being the victim of a credit card theft, they would not issue any refund of the amount that had been billed to my original XXXX credit card. Experian left the conversation, and I was transferred to another XXXX agent who specialized in fraud investigations. I was placed on hold, and the call was dropped. Since then it had been has been four business days since then, and XXXX has made no effort to contact me regarding this credit card fraud issue. 

I did not under any circumstance, authorize Experian XXXX XXXX or any of it 's subsidiaries to bill me for services. I did not need, nor do I want, any of their products. Their agents admitted as much, that the billing was made under a different name than mine, but refuse to remove this bill, citing " company policy ''. I do n't see how an obvious case of fraud can be ignored. I am also greatly disappointed in the actions of XXXX, who constantly bombarded me with emails and phone calls to remind me to pay this bill, but can not be bothered to contact me to resolve this case of fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been informed through Equifax that my personal information was part of the hack that accorded in XX/XX/2017. It seems that I was part of those who were most affected by having my name, address, SSN, and Credit Card information hacked and totally compromised. So far I have n't been made aware of any identity theft against me, but I appear to be most at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My mother passed away this week and with that I found out that she had taken credit cards out in my name.I did not know about these cards until this week. I have no way of accessing these accounts and do n't even know where these cards are.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They ( Synchrony Bank  - Amazon Credit )  call multiple times per day 7 days a week. Sometimes calling more than once in the same hour. They have never left a voicemail. The calls are so intimidating, I do n't even want to answer the phone to discuss my account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Checking or savings account (Checking account) with BB&T CORPORATION (CT).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: XX/XX/XXXX I opened a " Business Value 200 Checking '' account at BB & T online website. Deposited {$250.00} initial deposit via debit card during opening process. I set up online banking, was able to log in to see account. 
XX/XX/XXXX I realized I can not log into Online Banking due to " account locked. '' I tried to reset my password, system told me to call in to BB & T Online Banking help XX/XX/XXXX I called Online Banking help, was told that account was locked and closed due to " risk management assessment. '' I was also told that I need to go into a branch with identity/address proof to unlock the account. I said I do not want to deal with this anymore, I want to close my account and retrieve my {$250.00}. Was told to call New Account department on Monday when they open. 
XX/XX/XXXX I called New Account department, was told the same thing as before : account is locked and can not be reopened until I go to a branch to reactivate by providing proof of business and address. I told them 1 ) I can not go to a branch given my work/travel schedule and their operating hours, 2 ) I do n't want to use this bank anymore so I just want to close out the account and retrieve my {$250.00}. Rep ( XXXX ) tells me this is the bank 's process that must be done, there is nothing else offered. I ask if I can fax or mail them proof instead, since I can not make it to a branch ; she says no. I ask XXXX if there is a policy written anywhere that I agreed to that this is the process that must be followed for reactivation, she says no. She reiterates there is no other recourse before I can get my funds back.

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 09/15/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Initially I thought this item was a result of unauthorized use because I knew I did not have a balance with the company. After reviewing the documents they sent for validation, I now have a better understanding of how the account was handled. I placed an order to XXXX and the original order was sent to the wrong address. The company said they would resend the items to my mother ( they were two of five gifts I sent her. ) Months later, I asked my mother why she never wore the dress and hat I sent she said she never received the items from XXXX. I contacted the company directly and informed them that she never received the items, requested a refund of the payments I made, and that the account be closed. I assumed my wishes were honored. Now I see that they were not.

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 09/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I 've paid Nationstar mortgage {$5000.00} for their Lender Placed Insurance through escrowThe XXXX policies cost {$2300.00}. I want them to reimburse me the {$1700.00} surplus in my escrow account but they refuse saying they do n't show that I had insurance. They sent me the policies and have proof that they placed the insurance. They are simply stealing the money they owe me and they know it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (NJ).
Issue: Fees

Complaint: I was trying to use my Paypal Prepaid Debit Card for the very first time. I could not withdraw the cash even though I knew I had put money on the card. I checked balance several times since I was confused. 

I later found out that I was charged a fee to check balance, in fact, I was charged the SAME fee several times in a row! And an ATM Transaction Decline Fee two times. All this within the space of several minutes. 

Even if a fee is charged in such a situation, it is not right to charge the same one several times in the space of a few seconds/minutes!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Debt collection (I do not know) with AllianceOne Recievables Management (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They call several times a week asking for XXXX XXXX XXXX and to call XXXX XXXX at XXXX. The call comes in from XXXX. States to press XXXX and disregard if I am not him. That does not work they still call several times a week. Online states it Alliance One collections.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had hail damage to my residence and a rental property in XX/XX/XXXX. I notified my insurance agent at XXXX XXXX and proceeded with the claims process. I eventually submitted the insurance checks to Stearns to hold in escrow. Unfortunately they co-mingled the repair funds between the XXXX loans. I asked them repeatedly, verbally and in writing to stop mingling the funds and assign the proper repair funds to each loan. They never did. 

To make matters worse, they transferred the loan for my residence which had more repair funds than it should have assigned to my residence loan. Because of quality issues and significant delays on the part of the roofing contractor I used for XXXX properties, I held back some of the checks from the contractor and they expired. I have called and spoken with XXXX multiple times and also wrote letters requesting they reissue the checks as they had verbally said they would do on multiple occasions but never did until I submitted a complaint to the CFPB or threatened to do so. 

In my last letter to Stearns dated XX/XX/XXXX, I asked them to reissue XXXX checks, XXXX for {$14000.00} which they had designated as attached to the loan for my residence, their loan # XXXX, XXXX containing about {$3.00} of co-mingled funds ), and a check for {$240.00} for XXXX loan # XXXX. I eventually received a call from XXXX XXXX, of Loan Care who was doing the servicing for Stearns on XX/XX/XXXX. She said they had to wait on the funds from XXXX and we agreed she would call me weekly until I had the funds. She did not call me again. I called her at her direct number XXXX on XX/XX/XXXX. She did not answer so I left a message. She still has not returned my call. 

I eventually received a check from XXXX in the amount of {$14000.00} dated XX/XX/XXXX which I reposited on XX/XX/XXXX. I have yet to receive the other check in the amount of {$240.00} after multiple letters and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech has approved a mortgage modification for me, and I 'm grateful for that. However, they will not allow me to pay online, they will not accept my debit card over the phone, and they want to charge me {$12.00} to make a payment by phone. It 's the {$12.00} that I 'd like investigated. If they 'd let me pay on line ( free for all customers ) then the {$12.00} would not apply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation