milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2017 about Debt collection (Payday loan) with CHECK INTO CASH INC. (TN).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: On XX/XX/2016 this company had someone to contact me about a complaint I had filed about me having made three payments on one loan within 30 days, because of bad information which had been provided by their staff. XXXX held himself out to be the Associate General Counsel for Check Into Cash , Inc., XXXX, TN, XXXX Store. After, further checking with the Tennessee XXXX, which proved this individual was not licensed to practice law in the state of TN, as is required for any one holding themselves out to be a General Counsel. Once I informed this company of that information, the matter was turned over to the store manager, XXXX, a person who did not in my opinion have the legal skills to entertain my complaint. Since then, XXXX has denied any truth in my statements and has repeatedly refused to attempt any settlement of closure on the matter. In my complaint I alleged that their staff lied about my eligibility for another type of loan based on a credit score obtained by them of 880 and the staff instructed me to first pay the current owing balance off. I paid it off that same day, but was denied the new type of loan and then told I could only get the same type of loan that I had just paid off. So, I took out that loan, because if I did not, I would not have had any money. I was told the computer had made a mistake. I said if it has made a mistake now, then how can I be sure it is not making a mistake at this time, too. I said I do not trust your computer or the advice of your staff. So, this made me have to make three payments in a 30 day period, cutting deep into my fixed income from Social Security retirement. I believe this is a normal practice of this type of pay day loan business in XXXX, TN. I did not ask to qualify for the loan they volunteer to enter my information in their system then told me I qualified and showed me the amount on the form. But, when I came back to get that amount I was denied it. They should be further investigated for fraud as I believe many low-income individuals are being targeted and taken advantage of, especially seniors and others on a fixed income. This is still an on going matter and I wish for immediate closure. I have requested of XXXX to waive the loan balance and she has repeatedly disagreed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Recently my loan payments increased because of an increased need in my escrow account. I am retired and tightly budgeted so an increase of $ XXXX/month is impossible ( partial payments are not accepted ). I learned the reason is an increase in homeowners insurance and taxes. I have explained this to Chase but they say that their hands are tied. I have had to wait to pay each month until my Soc Sec check arrives which makes my payment late. I am appealing the taxes and I have changed insurance companies. Recently I caught up but I still receive telephone calls from Chase Mortgage even when my mortgage payment is not late ( before the XXXX of the month ). They insist knowing the date when I will pay, and they say the calls will stop if I tell them the date when I will pay. I consider this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Balance transfer

Complaint: I have contacted Chase multiple times about a balance transfer that never went to my credit card account at XXXX credit union. On XX/XX/2016 Chase stated the transfer was sent to the wrong account at XXXX. They opened an inquiry about it and said they would try to get the funds placed in my account. Today it has been over a month since the first contact with Chase. I called Chase today XX/XX/2016 and XXXX said that the transfer was denied due to the account number being incorrect and that I would receive a letter in the mail stating this information and the funds would be refunded to my account. XXXX also said that I could initiate another transfer with the correct information. He could not say when the funds would be refunded to my account only that they are working on it. In the beginning I asked Chase if they could provide me with the account # that the funds were sent to and they said no. I have been making payments for over a month on the same balance on XXXX different cards. Sorry I even initiated the transfer in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (IA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Hello, I currently bank with Wells Fargo for a child support account.
I withdrawal money from a no surcharge ATM to put money into a separate bank account to utilize. I noticed I keep getting a {$2.00} charge for using a non-wells fargo ATM.
I called and voiced a complaint and asked for specific verbiage on this charge. A Wells Fargo customer service representative escalated it to the office of the president, which is where this complain begins.
There is NO verbiage that going to a no surcharge ATM will in fact still charge you.
Wells Fargo indicated that on page 36 of their customer agreement it indicates that all non Wells Fargo ATMS used you will get a {$2.00} charge. There 's no verbiage about a non surcharge ATM. This falls under Unfair Deceptive Acts and Practices.

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 Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Caine and weiner was contacted by me in XX/XX/XXXX and XX/XX/XXXX.I still have yet to get any responses from them. This debt is reporting inaccurately and they have continuously failed to contact me regarding where they are verifying this information from.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Other

Complaint: This complaint is not an acknowledgement of the debt, and is not an indication that payment will be made. The goal of this complaint is to bring forth a FCRA violation by XXXX, XXXX, XXXX, Citicards ( original creditor ) and XXXX ( or XXXX ; collection agency ). 
I currently have a {$6400.00} collection from XXXX XXXX ( aka XXXX ) illegally appearing on my credit reports. The Original Creditor of this account is Citicards. Upon reviewing my ENTIRE statement history from Citicards ( attached ) it is clear that the date of first delinquency of this account is on or before XXXX XXXX. By the XXXX XXXX report, the available credit limit was {$0.00} - in other words, my credit had been REVOKED, as the account was in serious delinquency. This date explains why the Citi tradeline does not appear in any of my credit reports. However, the XXXX XXXX tradeline appears since it misrepresents the date of first delinquency. Based on the date of first delinquency of XXXX XXXX, the tradeline should appear on my credit reports until XXXX XXXX. I am writing to request that the credit bureaus ( XXXX, XXXX and XXXX ) immediately delete this tradeline. I am also writing to request Citicards ( as required by law ; and as the original creditor ) to instruct the credit unions and XXXX XXXX to stop reporting this tradeline. I am also writing to require XXXX XXXX to immediately stop reporting this tradeline.

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 03/13/2017 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been receiving multiple calls from XXXX at Miller Stark Kline. They claim that i have 3 complaints against for a debt and want my social security number to verify its me. I refused to give this information over the phone for identity theft concerns and asked that it be sent to me in writing. At first, they refused and indicated that they did not have to send it writing. I said that I have no knowledge of any debts being owed that I would have to verify -- the woman began speaking over me and said that this was a mediation. I advised her that I was an attorney and that this was NOT a mediation and she was not following proper procedure to collect a debt. At which point she hung up. She then called back a few minutes later and wanted my address. I said, if you have debt that I owe you have my information and address. She then said she would see me in court again and hung up. I have no problem paying money that is owed. However, I have been up to date on all of my bills for a number of years and I have no knowledge of any debts being owed. It is also improper to have not written communication about a debt and instead a violent phone call demanding information. This seems to be violation of the FDCA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX, I provided a " qualified endorsement '' negotiable instrument to my lender XXXX to pay for my mortgage in full in the amount of {$110000.00}. Since then they have demanded additional payments from me each month. The last statement I received they demanded {$3200.00}. Attached is proof of payment in full for my mortgage made on XXXX XXXX, XXXX. They are committing fraud and using the credit reporting agencies to assist. They even threaten to foreclose on my if I do n't pay them additional money.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am on the list of potential victims of the Equifax hack. Ridiculous considering how many people this affected and I would have had no idea I was affected if not for XXXX. No communication from anyone else about me personally being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (WI).
Issue: Managing, opening, or closing account

Complaint: On approximately the first week XX/XX/XXXX I filed a dispute complaint of fraudulent charges with Rush Card. During the investigation, they stopped usage of my current debit card and issued me a new card. Upon receiving the new card, the company was in the midst of a very large upgrade to their services. When I went to activate my new debit card, it would not accept the information via telephone to activate the new card. Upon logging in online, I noticed that the new card displayed online on my account did not match the one I received in the mail. Due to the large epically failed overhaul, I was not able to reach customer service via telephone for the first 24 hours. During this time, I sent an email and was issued a ticket number and an automated response saying they would respond within 12 hours. As of XXXX/XXXX/2015, I still have not received a response. I have gotten thru to customer service after several failed attempts and was given a response that " I need to wait for the website overhaul to finish and the account numbers would be updated. That never happened either. I have been put on hold, hung up on, passed along and still can not access my XXXX payroll deposit that was put in my account on XXXX/XXXX/2015. I talked to customer service last night and they were going to issue me a pin number to resolve this issue but they hung up or disconnected before I could receive the number. I have faxed, called, and emailed numerous times and to numerous affiliates and hit a dead end everytime. I have reached the end where this is no longer acceptable customer service. 
After weeks of run-arround and dead ends. Rushcard customer service states that 1. They do not have access to accountholders information and when requesting to consult with supervisor, I was transferred to a person who was able to access my account info but still could not resolve my problem. I have paid {$30.00} for an expidited fee for a replacement card that was blocked before I even received it, and not offered a refund of that {$30.00}. It is XX/XX/XXXX15, and I still can not access my money on this account. Rushcard has no problem deducting fees from the account but claim they can not perform a card to card transfer on their end, even though we have record of them doing this exact thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXXMy card was stolen and used at a number of ATMs and possibly one check cashing location for a card advance. I reported the fraud when I became aware of it the next morning. I don't know how someone got my pin number other than that I did use the card at an ATM in a bar prior to leaving to go home for the night.

My claim of Fraud was denied on the XX/XX/XXXX and I was instructed that If I wanted to have the claim reconsidered I would have to open a police report for the theft. I did report the card theft and the theft of {$1400.00}. The case was reopened with Bank of America. The bank last week finally got back to me and said again that there was no fraud. They cited their reasons for their decision as : Pin number was used and no attempts were declined indicating that whoever was using the card had knowledge of my bank account.

The person using my card at ATMs was covering their head and camera footage was not available to determine who it was.

There were in fact, a number of attempts that didn't go through because they tried to take out more money than I had and, once my account was cleaned out, I was at a negative balance of over {$700.00}.

The bank is now saying that I need to submit new evidence in order to reopen the case. I do have a receipt for a Pizza I bought at the time of the fraud that was delivered to my home which is no where near where the card transactions took place. I am unable to get a cell phone usage statement from XXXX  without a subpoena and I was asleep for most of the fraudulent activity so I have no other evidence of my whereabouts at the time.

What more is there to be done? I'm still out {$1400.00} and the bank has been charging me overdraft fees that I am unable to pay because all of my money was stolen. I additionally had to take out a loan from my parents to cover the loss as this occurred just after my pay day. MY bank account is still over {$700.00} negative. I have since opened an account with a new bank since I can't trust keeping money with Bank of America?

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 03/30/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Original Institution XXXX XXXX which has been deleted from all the credit reporting agencies, Cavalry is a collection agency which is a 3rd party company, this account confirms full payment paid. Please Delete Cavalry from credit profile. 

Respectfuly, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit reporting agency continues to show inaccurate or erroneous information on my credit report, which has impeded my ability to secure the most favorable credit terms on credit cards, etc. 

The following are a list of inaccuracies/erroneous statuses still showing on my credit report:1. ) XXXX XXXX XXXX, XXXX shows a late payment status. As per my last complaint, and the documentation to go with that complaint, it is XXXX that has mis-managed the escrow, and as a result, caused the account to fall behind. I have always paid according to the agreement ( s ) I 've had with XXXX. 

2. ) XXXX. This account was never opened under my social security, yet the credit reporting agency continues to allow this inaccuracy to remain on my account in violation of the Fair Credit Reporting Act, et. al. 

3. ) The education loans have all been cancelled/forgiven, and thus, should be removed from my credit report. 

4. ) Any inquiries, XXXX or more years old, should no longer be showing on the accountFinally, there should be no new accounts, except a car loan via XXXX XXXX, showing on my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IL).
Issue: Managing the loan or lease

Complaint: My vehicle leased with GM financial was totaled on XXXX/XXXX/15. After working with other parties ' insurance company, a payoff amount was established and a request for title began XXXX/XXXX/15 with GM financial. As of today, no copy of the title has been released so that the insurance company can send check to GM Financial. I have personally pursued this issue with the title dept, total loss, and collection depts in order to have this issue rectified with no resolve. In the meantime, the insurance company is waiting on a title, and I am being pursued for payment -- I am being called everyday to submit payment for a vehicle that GM Financial knows has been totalled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX).
Issue: Trouble during payment process

Complaint: On XX/XX/ their records indicate a payment of {$62.00} for Mortgage Insurance ( PMI ) for a due date of XX/XX/. In addition, on XX/XX/ their records indicate a payment of {$300.00} for Mortgage Insurance ( PMI ) for a due date of XX/XX/. The amount due on a monthly basis is {$300.00}. The {$62.00} payment amount should be refunded to my escrow account as an erroneous payment on their behalf. 

Please apply the over payment of {$62.00} to my escrow account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a judgment on my credit report with XXXX XXXX XXXX, docket XXXX for a collection with XXXX XXXX XXXX XXXX in the amount of {$820.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received XXXX document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completedThere is a judgment on my credit report with XXXX XXXX XXXX, docket XXXX for a collection with XXXX XXXX in the amount of {$6300.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received XXXX document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My  XXXX  Credit Card is reporting me 30 days late. I never made a late payment and only followed directions that their representative gave 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 non-monetary relief
Consumer complaint received 03/20/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: G.E Capital Care sold the account according to them to Synchrony Bank in XXXX FL., which lists XXXX numbers XXXX or XXXX when I called they said the account had doubled from XXXX to XXXX dollars, and suggested that I contact another offsite agency that handled charge offs. I told them I was going to come to you and they said submit a letter in writing and mail to XXXX FL, attn. '' Dispute Department.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX has that I owe {$15000.00}. My car I got through them was stolen XXXX XXXX. And my insurance paid off the balance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Medical debt) with Credit Bureau of Lancaster County, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Credit Bureau  of Lancaster County , Inc   XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , PA  XXXX   XXXX  : (  XXXX  )  XXXX  Toll Free : (  XXXX  )  XXXX  Fax : (  XXXX  )  XXXX  See below : The company ( Credit Bureau  of Lancaster County , Inc ) s aid  XXXX   XXXX  owed {$270.00} when this is false.   The debt is not mine.   I am  XXXX   years old,  have medicaid and  XXXX   XXXX   XXXX  with co-pays of {$0.00}.   See document.   Thank you.    XXXX   XXXX

Company response to consumer: Closed with explanation