milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2016 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (OR).
Issue: Taking out the loan or lease

Complaint: To whom it may concern, On XX/XX/2016- I accepted a balance transfer offer on my Chase account ending in : xxxx for the amount of {$7000.00} with a fee of : {$140.00} On XX/XX/2016 : Chase approved my request and mailed a check to my requested party XXXX account ending in : xxxxx XXXX please see attached ) After contacting Chase on numerous occasions, I have been told it takes XXXX days to see the check post. 

On XX/XX/XXXX I contacted Chase again, and was told the check was cashed, and the check number was as follows : check number : xxxxxxxx for XXXX. 

On XX/XX/XXXX I messaged my credit union this message : I am so frustrated with Chase, as the payment to XXXX ( for the visa payoff ) has still not arrived. I just got off the phone with Chase and got a check number from them.. They state the check number is as follows. 

xxxxx in the amount of {$7000.00} Name on the check would reference me : xxxx. But the check was made out to XXXX and was to pay the visa off, and put reminder in the checking account. 

can you see if you received this check, or it got posted to someone else account, please? 


On XX/XX/XXXX My bank has informed me no check has been received by the credit union from that vendor, on that check number made out to me. 

Hello xxxx Thank you for your response. With the information you 've provided I 've performed multiple searches in our system to locate that item, but I do not see it having posted to either your or anyone else 's account. At this point it does not appear that the check made it to us. Is Chase able to cancel the check and send a new XXXX? It may be it got lost in the mail and issuing a new one may be the simplest solution for you. 

My only concern would be if Chase claims the check has already cleared an account. In that case they should be able to provide you with an image of the cleared check. Typically on it would have the account it was deposited to written on the back. If they do n't have an image available then it has n't been negotiated which would lead me to believe it definitely got lost in transit somewhere. 

If you have any more questions or concerns feel free to contact us again. 

Thank you for choosing XXXX! 

As of XXXX/XXXX/2016 : I now have a balance with my XXXX Credit Card still, and now also have a balance on my chase card ending in xxxx. I am now making XXXX Credit Card payments, and Chase just gives me the run around. I have informed Chase that the check did n't apply to my account please open an investigation to see who cash the check. They refuse to assist me, and here I am with a credit card balance, and I did n't get the benefit. 

I am now filing a complaint withe Oregon XXXX XXXX, as I am being given the run around. This balance transfer was suppose to happen in time for XXXX, but now I am out more money than thinking I was going to save. Thank you XXXX for ruining my XXXX. 

Please assist. 
Rs

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (IA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: hunter warfield has contacted my wife 's parents multiple times as well as my brothers mother in law try to get in touch with me, after we contacted them and gave them updated information ( i.e. address, telephone, and email ) we have requested a detailed bill explaining why i have an outstanding balance, and have never received it. last time i talked to the guy 1. he was a XXXX and questioned me as to why i needed a bill, and 2. i told him we would n't be paying anything until we got the detailed bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Other debt) with LJ Ross Associates (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My name is XXXX XXXX, D.O.B XX/XX/XXXX and Social Security Number is XXXX. On XX/XX/XXXX I discovered L J Ross Assoc for XXXX had been re-inserted onto my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with XXXX, XXXX in accordance with basel XXXX accord and XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct @ XXXX and they have failed to do so.

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 04/19/2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: On XXXX XXXX I received a letter in the mail from ECSI informing me that my account was 15 days past due and that they would report delinquency if the payment was not received in the next 15 days. Until I received this mailed notification I had no previous notice that my deferment period was over. ECSI took a financial predatory approach by notifying me only AFTER the payment was due that I owed them money, which allowed them to collect a late fee. I received no information from ECSI beforehand so that I could budget for this monthly cost and set up an automatic payment. It is also disconcerting that they are using snail mail, an outdated approach in 2016, as their main form of communication. 

This negative experience strongly contrasts with the one I 've had with my federal student loan servicer, XXXX XXXX. They notified me 6 months prior to my first payment, which allowed me to set up an account on their website, a direct monthly payment, and establish an appropriate personal budget.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from a company saying that I own money on a credit card that was never mine -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data leak. They said I may be affected by it so I am filing a complaint to make sure I was or was n't.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion continues to report information on my credit report that does not belong to me. My report number is XXXX. 

The bankruptcy filing listed is not mine. I will need proof that is does not belong to someone with a same/similar name or the signed papers since I am not a party to this. 
I am asking for the method of verification under FCRA Section 611 ( a ) ( 7 ). The federal Fair Credit Reporting Act states that I may request a description of how TransUnion verified the information, including the business name and address contacted and the telephone number if reasonably available. 
Additionally, XXXX is reporting a trade line when I have never had a credit account with them. It shows as {$0.00} limit to begin with on the report. XXXX has refused to send me verification of this debt on numerous occasions as well as to regulators ( a copy of which is attached ) I intend to sue for willful non-compliance under FCRA 616 if this dispute is not researched and the requested documentation furnished. 

I am requesting that these XXXX entries be investigated and removed. 

Thank you.

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 02/24/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Loan servicing, payments, escrow account

Complaint: This is a continuation of my previous CFPD complaint. I contacted Wells Fargo to change my payment options so additional principle was not being added to my ACH withdrawals. The associate I spoke to assured me she made the updates. A week later, the lender removed the full payment with additional principle, not once but twice resulting in a negative balance in my checking account. 
The Wells Fargo rep contacted me yesterday, however, I do not believe the resolution is satisfactory. Wells Fargo has now refunded my money, however, I have accumulated {$180.00} in fees from their error. I am requesting reimbursement. I have submitted the bank statement to you. The Wells Fargo rep states they do not have the ability to accept email or uploads. Please note, when I applied for my mortgage I uploaded all of my documents so I find it interesting they can not provide the same accommodations now that I am a customer. I am asking you to forward the information along with my complaint as their systems are antiquated. 
In addition, for the my time, the unauthorized and fraudulent use of my account, and the lack of problem solving, I am requesting Wells Fargo pay me at least the same amount they would charge a customer who paid past the grace period ( {$69.00} for my mortgage ) and bounced a check ( {$30.00} ) for a total of {$100.00} in addition to the {$180.00} in bounced check fees my bank is charging me. I believe it is only fair to be compensated for my time, distress, and damages as a result of a creditor 's gross negligence. 
Thank you for taking the time to hear my complaint and working with my lender toward a fair and quick resolution. I look forward to hearing from the lender.

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 12-08-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax has reinserted previous unverifiable negative accounts on my file. I have send dispute letters showing negative accounts that have re-aged history, recent payments, schedule payments on accounts that have been close or sold.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently found out that I have a lot of hard inquiries on my credit report. These are not factual reports I did not give consent nor did I give them permission I put a security freeze on my account off and a security lock on my account this morning I have contacted the company I noticed I gave them my full social security number my address my phone number all of my information and they could not find any account that was opened or attempted to get open however this company indicates and shows up on my credit report on all 3 credit bureaus. I am asking that this gets removed from my credit report within 30 days or I saw seek legal action. XXXX/XXXX Date of request XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX here is the second complaint. 
KOHLS/CAPONE Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with APEX Asset Management, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested that Apex Asset management LLC provide me with proof that I requested service from XXXX XXXX the debtor they are collecting for. XX/XX/2016 I requested " A signature '' " A contract '' something so I may see my handwriting or proof of some sort that this belongs to me. The first reply I got from them was nothing more than a print out with my name, the amount owed and pretty much the info that 's on my credit report. I replied XX/XX/2016 that this is insufficient, I need a signature or something proving this is mine. 
The next reply I get from them is a list of programming from start to finish which once again does not prove to me that I ordered this service only that it 's been ordered and my name is attached to it. 
This is going over 60 days, 2 letters and 2 replied in which I requested validation and still I have none. I have requested they remove this debt from my credit reports if they can not comply with my request, it still remains on my credit reports and I still have no valid proof that I ordered this service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Bank of America is reporting inaccurately on my credit file and they are in violation of the FCRA & the Bankruptcy Courts. 
They WERE NOT included in my bankruptcy and in fact I have never missed a payment and have been current, which they have verified. But because I filed bankruptcy they have to stop reporting, they can not continue to report and damage my credit after a discharged bankruptcy. 
They did n't stop reporting until XXXX and it is affecting my financing. 
They are clearly in violation. They need to put the dates back to XXXX or delete it from my credit report. 
They will not help me and I have been trying for a long time. Someone needs to ensure they fix this. thank you

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 06-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I received a letter in the mail in  XX/XX/XXXX . It stated I was one of the lucky winners selected by VISA, MASTERCARD, and   XXXX   XXXX  . My share of the winnings would be 3,500,000.00. It asked me to contact my agent   XXXX   XXXX   XXXX   at  XXXX  for my method of payment, Once I contacted the agent he would advise me how to claim my winnings. When I talked to him he said take {$10000.00} on my credit card with my checking account at Bank of America. I told him I had to pay {$140.00} which he said forget that and to go to the   XXXX   XXXX   and buy laptops with the number  XXXX /  XXXX   XXXX   XXXX  r,   XXXX   XXXX  .
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He told me that the IRS would be sending me papers for tax purposes but I never did receive any. He called me on Saturday and said I would get my money by Monday. I never got the money and he said he would call and never did. He put wire money on  XX/XX/XXXX  for {$9900.00} and on 09/09/16 for {$9900.00} and on XX/XX/XXXX for {$9900.00}. On  XX/XX/XXXX  all three amounts bounced and returned unpaid according to Bank of America.
<P/>
I have a Lawyer at LegalShield and his name is   XXXX   XXXX   Phone #   XXXX  .
<P/>
I have to pay back {$30000.00} and I am making {$530.00} a month payments which I ca n't afford. I feel they should have gone after the person who did this to me. Also it seems I should have been coverd by fraud insurance through Bank of America. I did not realized at the time I was being scammed and the Bank of slow at letting me know a month and a half later. My   XXXX   XXXX   Credit Card was closed and checking account closed at the bank and I started a new Checking Account with Bank of America.
I feel I was ripped off all the way around by the Bank as well as credit card companies and everyone was slow at keeping me informed. I would call the bank and go over things but I do n't believe I should owe {$30000.00}. I am retired and on a fixed income and if I can not afford to pay all this may have to declare Bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A duplicate report appears for the loans.  XXXX  set of the loans says they are with   XXXX   XXXX   XXXX  /  XXXX   and were opened   XXXX   2011. The   XXXX    set of loans is showing FedLoan Servicing and opened  XXXX  2011. This happened after I completed a Loan Rehabilitation program. They are the same loans, there are not  XXXX  loans, just  XXXX . I tried to dispute the information with credit reporting agencies, FedLoan,   XXXX   XXXX   XXXX   and received no help. The disputes are always declined and the false information stays, which is causing damage to my report by showing extra sets of loans with late payments. I have even tried to have a credit repair person help and they have been unable to have the loan servicing companies correct it. The FedLoan Servicing report is even marked as " Account transferred to another lender '' so it should n't still be there while the other lender is reporting the loans, also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2018 about Money transfer, virtual currency, or money service (International money transfer) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (OR).
Issue: Unexpected or other fees

Complaint: We are filing a complaint regarding a situation that resulted in our paying an additional {$2100.00} in exchange fees. 

We began the loan process with our loan application dated XX/XX/XXXX. The loan in the amount of {$110000.00} was finally deposited into our checking account # XXXX on XX/XX/XXXX, almost 3-1/2 months later. While we recognize that they didnt have to approve us for a loan at all, we believe 1 ) we were left waiting an unnecessary amount of time and 2 ) we were repeatedly asked for additional documentation that further delayed the process. 

Our loan officer in XXXX, Oregon was very professional throughout the process. She kept in close contact with us and did her best to expedite the process. She apologized for the repeated delays and told us that the bank was in the process of trying to streamline the loan process. 

We believe that Washington Federal is at fault for unduly delaying the loan process. This delay precipitated a situation that caused two things to happen : 1 ) Our relationship with our XXXX counterparts, realtor and notary deteriorated. By the time the money came through, our only choice, to avoid possible litigation, was to transfer the money directly through Washington Federal rather than use our choice of transfer agent, XXXX, which would have taken another 2 days ; 2 ) Transferring the money directly through Washington Federal caused us to pay an additional {$2900.00} in exchange fees plus a {$45.00} transfer fee. XXXX, on the other hand uses the live mid-market rate which is only .7 % or {$800.00}, a total difference of {$2100.00}.

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 11/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have contacted Convergent debt collection company on my own to resolve a debt that I noticed on my credit report. The debt was originally acquired from XXXX mobile company. Convergent collections company refuses to send me a bill with an account number via mail or email so that I can pay the debt. I have called more than three times a week XXXX XXXX XXXX. I have spoken to the supervisor on XXXX occasion who assured me everything would be handled correctly, and still nothing. I do n't know what else I need to do to get this company to send me a legit bill so I can pay the debt. I am also nervous that if I do send money, they will not properly process it and the debt will remain current.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled my credit report and have found errors on the report. I have contacted the company several times through letters and phone calls to no avail. The FCRA states that the only permissible purpose for pulling credit is a ) a firm offer of credit b ) insurance c ) eployment d ) a court order. The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX. I have also requested that they update my address to my current address and they have not complied.

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 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (AZ).
Issue: Managing, opening, or closing account

Complaint: I put {$500.00} on the XXXX of XXXX. My card has a {$0.00} balance. When I call it says my card has not been activated. I have had this card for 2 years. It 's activated. When I finally did get through to speak to someone, I was told they ca n't access any accounts, and I would be contacted by text message when it was fixed. I 'm still waiting

Company response to consumer: Closed with non-monetary relief