milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: {$7900.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested gift cards for XXXX XXXX XXXX   XXXX after funds hit my account. 

{$15000.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested gift cards for XXXX XXXX XXXX    XXXX funds hit my account. 

{$6500.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested ( 5 ) XXXX XXXX 's for XXXX XXXX XXXX   XXXX after funds hit my account. 

The first ( 2 ) POs were approved to pull from the XXXX XXXX accounts. When they bounced, XXXX XXXX authorized me to put ANY fund necessary to accrue for the bounced funds and be properly paid through the JP Chase Account ending in XXXX. 

Purchased orders were given as well as a commission for my procurement project given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Credit card debt) with Convergent Resources, Inc. (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a XXXX XXXX XXXX XXXX XXXX account that was charged off. I spoke with XXXX XXXX in XXXX of XXXX and agreed to a settlement of {$770.00} to be paid by XXXX XXXX, XXXX. I was told a letter confirming this settlement agreement would be sent out within 10 business days and I went ahead and paid {$150.00} towards this agreement on or around XXXX XXXX, XXXX. On or around XXXX XXXX, XXXX I contacted XXXX XXXX again to inquire as to where the letter confirming our agreement was and that I was hesitant to make payment to them without confirmation of the agreement. I did not receive a letter. 

On XXXX XXXX, XXXX I contact XXXX XXXX  again and told them I was upset that I did not receive the initial letter and that they had made it frustrating to repay my debt. They offered to settle the account for {$650.00} to be paid by XXXX XXXX, XXXX, an amount that is higher than what I originally had remaining to be paid. I request XXXX XXXX  send me a letter confirming this agreement and again raised concerns about not receiving it the previous time. 

I never received the letter and on XXXX XXXX, XXXX I received a letter dated XXXX/XXXX/XXXX from a XXXX XXXX  indicating they had been hired by XXXX XXXX to collect an outstanding balance of {$870.00}. This initial demand letter I believe violates several portions of the FDCPA as does XXXX XXXX 's misleading actions.

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 01/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Starting in XXXX XXXX I disputed adverse information on all XXXX credit bureau reports. I also disputed it with the bank XXXX. The issue was that I was in fact delinquent in my mortgage up to 60 days from the period XXXX XXXX until XXXX XXXX. Currently the Transunion report shows 60 days delinquent on one period XXXX XXXX. It does not show a 30 day delinquency at any time prior to that which on its face does not make sense. I received a letter from XXXX in XXXX XXXX showing the account history and the date of first delinquency of XXXX. The letter is attached to this file and according to XXXX the proper information was provided in XXXX XXXX Credit bureaus can not report negative information that is older than seven years. The seven years starts on the date of first delinquency. The letter attached clearly indicates the date of first delinquency and that it was delinquent at all times until XXXX when a modification was completed. If Trans Union entered the information properly provided by XXXX the delinquent payments would not have been reported since XXXX, XXXX. I also attempted to deal with this by phone with Transunion but the customer service representative did not understand the rules and was of little assistance. The fact that it was not resolved in XXXX has created a hardship. We recently had an opportunity to purchase a home. However an attractive loan product that would have been eligible for was not available because of the adverse information only contained on the Transunion report. The mortgage FICO score using Transunion information was about XXXX points lower than the other two bureaus. It resulted in being denied that product because of its stricter requirements.

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 02/26/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt was previously deputed and deleted on XX/XX/XXXX. ( Proof attached ) The company then reasserted the debt without any notice. 
The orignal lease was from XX/XX/XXXX to XX/XX/XXXX for XXXX XXXX XXXX # XXXX XXXX. The amount being collected is for XXXX XXXX XXXX # XXXX of which I did not apply for or request to sign a lease for. When requesting validation and verification, the company sent over forged documents altering the date from te original lease and changing the apartment unit. However, in doing so they failed to realize, the date the lease was printed and signed remained at the bottom of the lease. XX/XX/XXXX shows also on the back of the altered document. You can also see where the date line is crooked and drawn through after it was altered. ( I folded the paper to show the forged date and dates from the bottom of the lease. I can send in the document if needed ) This company continues to call my phone and harrass me, even after Ive instructed them to stop calling.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: Advertising and marketing

Complaint: Wells Fargo and a group called XXXX keep charging my account when I have asked them not to. It has gotten to the point that Wells Fargo says call XXXX. XXXX says to cancel the service, a service I only wanted to for six months ( it was useless - not one lead ) that XXXX says I need to pay them {$240.00} to cancel.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The note holder of my home hired a law firm to foreclose on my home ... I disputed the debt within in the 30 days required by law but the Law firm never produced the Original Note that I signed as required by law ...

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Managing the loan or lease

Complaint: Conn 's Credit Corporation refuses to honor contract they wrote and entered into with me on XXXX XXXX, XXXX. I have made all required payments under this contract with Conn 's as agreed. However, the company is causing harm to me by repeatedly reporting my account as past due to the credit bureaus, threatening legal action, and refusing to honor my requests for a full accounting of all payments I have made to them since the establishment of this new contract. I have made all payments using cashier 's checks or money orders and I sent the payments via USPS with tracking numbers, so I could verify receipt of the payments. I have already written the company twice regarding this situation ( XXXX XXXX & XXXX XXXX ) asking them to update my account with them and correct their credit reporting. When I initiated a online dispute with XXXX earlier this year, stating that the account number about which Conn 's is reporting is a closed/invalid account, they upheld the fraudulent reporting by Conn 's. I am sending another letter today to Conn 's and all XXXX credit bureaus to request the correction of this information immediately. I received XXXX letters from local attorneys in XXXX offering to represent me in a civil lawsuit allegedly filed by Conn 's. The letters indicated that Conn 's filed a civil lawsuit in the XXXX XXXX XXXX Court of XXXX County, Texas on XXXX XXXX, XXXX. To date, I have not been served by Conn 's or received any official notification of this lawsuit and it appears the filing was a threat or scare tactic to harass and intimidate me. The entire matter has taken a toll on me personally, financially, and professionally. Despite my efforts to pay my debts in a timely manner, my credit scores have fallen to a point that makes it difficult for me to refinance current debt, provided greater financial assistance to my family, seek greater professional employment, and Conn 's refusal to provide the account information I have requested has caused levels of stress that are affecting me physically as well. I have maintained records of my payments and copies of the correspondence sent to Conn 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2017 about Debt collection (Non-federal student loan) with Ability Recovery Services, LLC (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Ability Recovery Services placed a collection account on my credit report. I received notification from XXXX on XX/XX/XXXX. On the collection account they listed XXXX as the original account holder. They listed recent dates on my collection account. They stated account was opened on XX/XX/XXXX and was updated on XX/XX/XXXX. I called them and they stated this was from over 5 years ago or more. They confirmed this was from XX/XX/XXXX at the earliest. I have lived at the same address for almost 4 years, and have had the same phone number for over 3 years. I have never ever heard from this company. I was under the impression my course was cancelled with XXXX because I beame totally and permanently XXXX. I think that Ability Recovery waited until I applied for a mortgage ( XX/XX/XXXX XXXX and then listed the account on my credit report because I was applying for a FHA mortgage and would have to pay before closing. I have also reported this to the Federal Trade Commission. With the reputation of XXXX being untruthful with students and issues with Ability Recovery Services, I think further investigation should be warranted. I have attached the listing from my credit bureau and also my total and permanent XXXX student loan information stating all my loans were forgiven due to permanent and total XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Rewards

Complaint: Tried to transfer membership reward points online to XXXX as the flights I wanted were available, but got an error and a message to call in. Talked to membership rewards and they informed me ALL my points had been frozen, due to a XXXX bonus that I had gotten from my AMEX Platinum card. Did not provide me a reason why they were frozen, but said they would be released on XXXX, as it would have been 8 weeks past the points posted date. Called in today on XXXX and they are still frozen, and have not been provided with an explanation. I have XXXX points, XXXX of which Ive had for over 8 months and yet all my points are frozen. I was able to transfer points to british airways account 2 weeks ago without and issue yet Amex decided to freeze the points again.

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 've paid for credit protection with Equifax for over a year now. Equifax was hacked and they believe my information was compromised. I already pay for their services and to further enroll in credit protection services will force me to waive my rights of legal action. 

I have not received a letter, email, or any other type of notification that my data was breached. I had to find out from XXXX after it was discovered that three executives sold their stocks 3 days before it was announced that they had been breached. This is unacceptable. This if true, is absolutely insider trading. The company executives need to be investigated along with the company as a whole. 

They literally had one job.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX, My father, XXXX XXXX, passed away, XXXX XXXX, 2014. I have been living in his home for XXXX years taking care of him, until he passed. Also living with us where, my son, his wife and my Grandson. Upon my fathers death, I notified ( HSBC ) Beneficial, sent them death certificate, and explained to them I was willing to take over the debt with a lower payment, or do whatever what needed to keep this home. First they refused to speak with me. Then they have been requesting paperwork after paperwork, to which I keep faxing over and over. They keep stating they do not receive them. I have also sent the Executor paperwork and notarized relinquishment papers from all XXXX of my brothers. I gave them the Estate attorneys information, and they refuse to speak with the attorney. After all this time, they now tell me the home is in foreclosure status, without even notifying me in writing. But will notify me of a date to vacate the property. The only other thing they continue to tell me is " This is not your debt, this was your fathers debt, and you should not be responsible for it ''. My mother designed this home, my father built this home, and I was raised in this home. I gave up a home and property to come back to take care of my father, who was ill. I spent all of my savings to keep this place going. Now they wo n't even give me and my family a chance to keep it, now they want to throw us out on the street. All because " it 's not my debt! " They do n't seem to care that XXXX people will be homeless! 
This is ridiculous, when I have tried to work with them for over a year to adjust payment, or get a new loan in my name to pay for this house to keep it in my family, and to keep XXXX people from being without a home. 
Apparently, they like taking peoples homes and leaving them on the streets. This is not the AMERICAN way to do business people!

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: 1st conversation with Midland - Date Unknown The representative from Midland Credit Management called explained that I had a debt from XXXX in excess of {$2000.00} and that they wanted to settle the account. I asked them to mail me proof and to give me payment options if everything checked out. They explained that they were n't going to mail me anything and that the only payment they could take was over the phone via debit or credit. I told them that I would not ever give them any of my account info but I would be willing to mail a cashier 's check if the debt was real and if they were who they said they were. They said that they could not accept payment in this fashion and could only take debit/credit. They then threatened me with a lawyer. I told them if they want anything from me, they need to mail me a verification of the debt, then I hung up. 

XXXX/XXXX/16 I spoke with XXXX XXXX from Midland Credit Management. He, again, explained that I had a debt of over {$2000.00} to XXXX and that he was a debt collector trying to resolve the debt. I explained that I had reviewed my credit report and the charge off, according to my credit report, was under {$1000.00} and that I would like written explanation about the debt that I owed along with proof that he is who he says he is. An account manager got on the phone and told me that all of this could be handled with conversation and that they had already mailed an explanation of debt to my old address ; one I had not lived at since the end of XXXX, 2016. I asked that she mail another explanation of the debt to my new address so I could have it in writing. She said that she would not be able to do that because their system would n't allow them to resend letters. She then went on to explain that time was not on my side and that the debt would be turned over to an attorney. I told her to go ahead and do that. 

XXXX/XXXX/16 I spoke with an individual who did not identify himself but did say he was from Midland Credit Management. He called trying to collect a debt on a XXXX XXXX account. He also said that he is trying to avoid the account being turned over to an attorney. I explained that I spoke with someone in XXXX and requested that a letter be sent to me explaining the debt and for conformation purposes that they are who they say they are. The gentleman explained that they had no record that they had ever spoken with me. He also gave me the same story that they could not send a letter or fax one to me because they have already sent two, none of which came to me. I asked the gentleman to please mail me a letter identifying my rights, identifying themselves and explaining the debt ; then I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient keeps reporting to the credit bureaus that I 'm 120 days late which is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IN).
Issue: Struggling to pay mortgage

Complaint: I am working on my second attempt at a mortgage modification with Ditech Financial LLC. My first attempt at a modification was denied due to the time it took for Ditech to process my application. During my first modification I talked to to several different representatives, I was told different things by different reps. I submitted the same documents over and over again, the documents would get lost or overlooked. The entire process took over 10 months. I have now completed the paper work for my second modification, all that they requested was in on  XXXX   XXXX   2017 . To this day they have not moved it along to decide if they need any more documents or if is complete. I had a representative tell me just yesterday that once the have all the documents it should only ta ke 3-4 busin ess days to look over it, its been 40 days. I want to stay in my home and I do n't understand why they are not working with me. You think with the effort that I am putting in calling 3 times a week that they would do their job, but it has n't done me any good, what so ever! My circumstances have changed and I have money saved. I am ready to get this resolved and move on with my life!

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (HI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My complaint is with t he Barclaycard " Gold Card ' ' credit card, that prior t o   XXXX    2016 allowed Service Members to not pay the annual fee for the primary and additional users and receive a 0 % APR for duration of   XXXX   XXXX   XXXX  . After   XXXX    2016 the company changed its policy and stated that the previous requireme nt was null and void and now all  XXXX   XXXX  would be required to pay the annual fee of {$990.00} per year. This change greatly affects the terms and conditions that were presented when I activated my membership on  XXXX   XXXX   2016 . I have the letter stating that in  XXXX   2016 , I would not need to pay the annual fee, not pay an additional user fee and I would receive a 0 % APR for my duration on  XXXX   XXXX   XXXX . I thank you for your time, feedback and support.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was likely included in the Equifax hack, according to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are 17 inquiries on my credit report that are not mine. I did not authorized any other there inquiries. I want them removed from my credit reports. See company and dates below : Credco XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/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 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX rep totally messed up my credit cra violation cost me on a loan and credit cards ftc violation

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 03/13/2018 about Debt collection (Medical debt) with AmeriCollect (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Please be advised that the debt that was owed was settled and payment was submitted to Ameri Collect. I have a receipt for the payment.

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