milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2017 about Consumer Loan (Vehicle loan) with VW Credit (TN).
Issue: Managing the loan or lease

Complaint: I have not received a loan statement from VW Credit since the statement with a XXXX XXXX, XXXX due date. On XXXX/XXXX/XXXX, I emailed VW Credit as noted : '' Original Inquiry on XXXX/XXXX/XXXX XXXX XXXX : I did not receive a statement in the mail in XXXX and have not received a statement for XXXX yet. Please verify my statement is being sent to my address of record. Thank You XXXX XXXX ''. I received the following reply on XXXX XXXX, XXXX : '' Response on XXXX/XXXX/XXXX XXXX XXXX : Thank you for choosing Volkswagen Credit. We strive to provide quality customer service to ensure your satisfaction.You have not been sent a monthly statement because you do not have an amount due at this time. Your next payment will be due on XX/XX/XXXX.Any additional funds received on your account will automatically be applied toward your next due date available and the principal balance of your loan. Please be aware that the monthly statement will not generate when the full amount of the invoice has been prepaid. If you would like to have a payment applied to your principal balance only, please contact a Customer Care representative by phone. A Customer Care representative can have the additional money applied towards your principal balance as a one-time transaction and not a repeating transaction. If you would like any additional future payments applied towards your principal, you must contact a Customer Care representative by phone.If we can be of assistance in the future, please do not hesitate to contact us again through My Account or contact our Customer Care department at XXXX XXXX XXXX : XXXX ], Monday - Friday, XXXX to XXXX XXXX XXXX. ". Sincerely, Volkswagen Credit Customer Care '' There is not an option on the VW credit web page or via the toll-free number referenced to obtain balance information. The only option available on the website is Pay-Off option, which of course provides a sum for a limited window of payment in full of the total balance owed. 
There is no supporting documentation for VW 's denial of provision of a monthy statement in my sales contract.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Using a debit or ATM card

Complaint: My debit card was stolen from my car around 1 pm on XX/XX/2016. I reported to Chase fraudulent claims dept at around XXXX on the same day. There was a singular charge of {$2400.00} to an XXXX that was not mine. Chase immediately granted a temporary credit to my account. On XX/XX/XXXX I was notified that the temporary credit was being reversed and the claim denied. Detective XXXX of the XXXX Police Dept had notified me that they had caught 2 individuals charged with stealing my debit card ( and another individuals card at XXXX ). They identified through the surveillance videos at XXXX ( where my car had been parked ) and the XXXX ( where the card had been used ). Upon request she supplied me with the police report. I faxed the police report to Chase fraud dept and verified by phone that they had received my fax. Chase supplied me with a copy of the XXXX credit card transaction log confirming the purchase. I contacted Chase and told them that no pin had been used and only a signature which was an obvious forgery. Chase once again has denied the claim and has refused to reimburse this fraudulent transaction. Numerous contacts has been made with the local branch manager and fraud dept. ( nothing resolved ), then on XX/XX/XXXX they said that the claim was filed as an " account take over '' and not as a stolen or lost debit card. Last contact with fraud dept ( never the same person - this time with supervisor XXXX ) was on XX/XX/XXXX at XXXX ( she stated somethings wrong and she dosent understand and possibly the specialist was tried and put in the wrong info ) and branch manager on XX/XX/XXXX ( he cant help me but provided the CFPB website ). I believe Chase has made an error in handling this and is not properly reviewing the situation. They claim to offer protection against credit card theft, but is not doing so for me. Please feel free to contact me for more detail or further clarification. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2018 about Debt collection (I do not know) with Westlake Services, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After pulling a copy of my credit report I noticed Westlake financial on my credit report. i then disputed this with the credit bureaus after noticing inaccurate information being reported. under my social security number. i have attached a copy of my letter demanding deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (AZ).
Issue: Money was not available when promised

Complaint: I was told five years ago by XXXX XXXX that I could not use there services! I try to send a wire transfer yesterday and it was refused after I sent it! How long do I have to wait until I can use your company again??? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NY).
Issue: Problems when you are unable to pay

Complaint: Late XXXX I obtained an auto loan wit Credit Acceptance Corp . I am under the impression that the principal ammount of this loan was XXXX. I paid XXXX down, and made monthly payments of XXXX for 15 months. I later crashed this vehicle, and defaulted on the loan. The vehicle was returned in salvage condition. In XXXX a judgement was entered against me in the ammount of XXXX. My wages have since been garnished. I have paid an additional XXXX through income execution. In XXXX I attemted to get an update of the remaining balance, only to find that I owe in excess of XXXX. I spoke with the sherrifs office, because they have the order in XXXX XXXX NY. They tell me I have to deal with the lawyer. I call the lawyer I 'm told I need to speak with Credit Acceptance Corp . I call Credit Acceptance, I 'm told, " they have sold the debt ''. My issue is the constant running in circles while my wages are garnished, and the ammount I owe rises. How is this possible? This was a XXXX Doge Intrepid purched used with XXXX miles in XXXX XXXX. This vehicle brand new with XXXX miles only cost XXXX. How is it I still owe XXXX after having already paid XXXX? on an XXXX dollar loan? I feel this is Preditory, and Unconcionable. Please help. My wife and I are expecting our XXXX child and I am the only income for our household. I can not afford to pay continual garnishment, and I feel this debt has been paid. I understand that the principal ammount does not include interest however I feel I have been victim of Preditory lending. This judgement remains on my credit report despite the number of times I have desputed it. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax dispute confirmation number XXXX was filed on XXXX/XXXX/XXXX. To date I have still not received any response from Equifax concerning my dispute beyond the initial dipsute confirmation email on XXXX/XXXX/XXXX which stated I would receive updates and a result, clear violation of the FCRA. I checked their online system numerous times and the status was always in process. This " in process '' status was still showing well beyond 30 days, clear violation of the FCRA. I have attempted to contact the company via phone 3 different occasions. The first 2 occassions I was waiting to speak to someone for over 30 minutes on wait and then my call was abruptly disconnected by Equifax. The third attempt I did finally reach someone and when I questioned why I had not received a response in writing I was hung up on. The clear disregard for the FCRA must stop immediately. Now when I attempt to check the status of the dispute online, it does n't show up and is as if I never filed it. I have the confirmation number and email from Equifax proving it was filed. The CFPB must do something to stop the blantant flaunting of the law by a supposed credit bureau which obviously has numerous legal troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent the attached letter to Equifax on XXXX XXXX. Despite numerous follow-up letters, they still have not responded to me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This collector, XXXX XXXX XXXX, XXXX XXXX XXXX, called my daughter, my ex-husband and me threatening to sue for a credit card bill from XX/XX/XXXX or XX/XX/XXXX, he could n't make up his mind. Then he called and terrorized my ex-husband who agreed to pay {$250.00} and committed me to another {$250.00} the following week. 
XXXX XXXX called my job and my cell XXXX times within XXXX hour. He also had a process server call my job, my cell and my office manager. I never authorized contacting me at work. I paid {$750.00} and although asking several times for proof of debt. I emailed and faxed XXXX XXXX requesting this information only to receive a form for me to sign which would authorize him to take money from my account. I never signed the document, altho he took XXXX payments ( {$760.00} ) and XXXX payment by prepaid debit card from my ex-husband ( {$250.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX is currently reporting a " charge-off '' on my credit report. According, to the information on my report, this trade line has been a charge off since XXXX 2008, and should be deleted from my credit report because it is now exceeded the 7 year statute of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Debt collection (Credit card debt) with Capital Alliance Financial, LLC (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I agreed with XXXX XXXX XXXX to settle my debt and have it removed from my credit report for XXXX dollars and they left a balance on my credit report for XXXX. 
Totally illegal

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 11-12-2016 about Bank account or service (Checking account) with PNC Bank N.A. (IN).
Issue: Deposits and withdrawals

Complaint: On XXXX, I went to the local PNC branch to convert {$1000.00} XXXX to XXXX. This amounts to XXXX ( XXXX XXXX ). I was told 2 things, 1. It will take approximately 4 days for the XXXX ( XXXX XXXX ) to arrive at the local branch. 
2. If there was any leftover XXXX from my trip, I can always re-convert the left over XXXX back to XXXX. 
On XXXX, the XXXX Government banned the XXXX and XXXX. When I called my bank, they said that the XXXX are present at the bank but are in XXXX and XXXX denominations. I refused to except those XXXX denominations. I asked that they either convert the money back to XXXX, OR give me XXXX denominations that are acceptable ( i.e. XXXX ). I was told that their " Foreign Exchange Dept '' is no longer accepting the XXXX. 
I am now short {$1000.00}, and the XXXX is at the local branch. I will not accept this non-functional currency. There has to be some type of insurance for this. I chose to do the foreign exchange with PNC Bank because I felt a sense of assurance from such a large bank. 
The staff at the local branch are courteous, and are doing their best. The Bank Manager is working on this issue, and I hope it gets resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Consumer Loan (Installment loan) with PREFERRED CREDIT INC (OR).
Issue: Managing the loan or lease

Complaint: Back in XXXX XXXX, XXXX I got approved for a loan from Preferred Credit , Inc., for {$3000.00}. After XXXX phone calls from them during the last 6 weeks, to verify my address again, to make sure I am me, finally I have received in the mail the first statement, today, XXXX XXXX, XXXX. To my astonishment I was already charged with {$43.00} interest. I called the loan company, and was told that the interest starts accruing from the day I signed the contract. To my question of why they dragged their feet and took their time to issue this first statement so late ( again, 6 weeks later ), they had no reply. I mean, is their interest to delay the setting up of the accounts and so on, as long as possible, because, at the end me, the customer, will pay interest retroactively. Why I did n't get this first statement at the beginning of XXXX? So I can be charged these accrued interest? I have no control of the speed they process their paperwork, yet I need to pay now. I think they are playing an unfair game regarding my case.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been working from XX/XX/XXXX to XX/XX/XXXX to consolidate my loans with XXXX, and begin to make payments, as well as take part in Public Service Loan Forgiveness ( PSLF ). Throughout this process, I have been consistently given incorrect information. Originally, on XX/XX/XXXX, my estimated payments were {$150.00} per month. The next day, I was provided a new estimated loan sheet, with estimated payments at {$340.00} per month. I awaited the consolidation process, under the guidance that once complete, my payments would be around the {$160.00} per month mark. Upon completion of the consolidation, I received a new document that stated that my payments are effective in XX/XX/XXXX, and are {$280.00}, vastly different than {$150.00} ( the  amount I agreed to previous to consolidation ). 

I called to explain this, and expressed that {$280.00} was a little too high, and that I wanted to make slightly lower payments ( at {$200.00} or less ). Instead, they stated that they had made a mistake on processing my application, and that it should never have been approved as it was. They explained that my payments are to be {$330.00} ( {$60.00} more a month! ). Because I had called XXXX to work out a better payment arrangement, they found their own error and made my payments significantly more. What originally started as {$150.00} per month estimated, had become almost double by the time consolidation was complete. I requested to unconsolidate and go back to lower monthly payments to two different servicers, and was told that was not a possibility. They offered another option stating that it did not qualify for PSLF, at {$470.00} per month. I realized then that they had no intention of handling this issue with me, or considering their mistakes. I hung up with them, letting them know that I was very upset, and this payment was not feasible for me. I live in Florida, where the cost of living is quite higher than it is in other states. My rent, utilities, and vehicle to get to work ( so I can pay them ) were not considered in their payment arrangements.

The next day, today, XX/XX/XXXX, I received another written notification from XXXX stating that my IDR plan had been approved, and my new payments are to be {$340.00} ( another increase in two days ).

I am at a loss as to what to do anymore. Conversations with them go nowhere, as well as make things worse.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has consistently refused a direct request by XXXX XXXX XXXX to remove negative reporting of their loan # XXXX XXXX XXXX XXXX XXXX California.This is in violation and has also been reported to The California Department of Justice.Equifax does not or has not looked at the word rescind which is used in XXXX XXXX XXXX language,

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX I was solicited to use blank checks mailed to me by Chase Bank for a 2 % fee % 0 % interest thru XXXX. I accepted the but first called cust svc for CLARIFICATION AND CONFIRMATION of the offer. I was told I could write a check for 2 % fee only and no additional information.. This call was made SPECIFICALLY, so as not to be negatively surprised ... The rep DID NOT VERBALLY TELL ME THAT MY CHARGE CARD BALANCE WOULD NOW BE CONSIDERED A " REVOLVING " ACCOUNT.Previously I ALWAYS paid the bill in full each month! My established pattern of payment was to NEVER pay interest and ALWAYS receive monthly rewards. The consequences, therefore of my acceptance were deceiving and misleading. The verbal OMISSION to CLARIFY the COMPLETE offer, to me, was of CRIMINAL INTENT, in my opinion! The wording states that " unless you pay in full, every month, you will pay interest '' Why, and how would I pay the borrowed {$12000.00} in full, the month after I already paid {$240.00} fee, in full, for the useage of the cash for XXXX months at ZERO % ..?????? This CLEARLY is/was a " bait and switch '' tactic ... deplorable, sinister, and attempted EXTORTION ... .but LEGAL! Supervisor XXXX XXXX defended this trickery and would not cancel the {$18.00} interest charged. She advised me not to use the card until I finished paying off the loan TO AVOID ADDITIONAL INTEREST PAYMENTS ... I sent a CERTIFIED letter to Chase XXXX XXXX protesting this deception. I have NEVER received a response.. I paid the loan in full within XXXX months, less accumulated interest, which is now {$380.00} They are now charging me {$39.00} per month " late '' charges in addition to additional interest! .Amazing the deception and lies to the consumer ... .. '' 0 % '' for XXXX months for only 2 % fee ... .Additionally the wording of their offer is ambiguous at best ... '' This offer includes a fee of 2 % " of the amount of each transaction '' ... .. '' Once you take advantage of this balance transfer offer, you will have a new balance on your account. This means interest will be charged on new purchases you make with your credit card, unless you pay the entire balance, including any transferred balances IN FULL EACH MONTH ... There never was a BALANCE TRANSFER, but a " TRANSACTION, ONLY '' ... therefore the balance transfer commentary NEVER APPLIED to me! In conclusion, in retrospect, this offer was clearly designed to LEGALLY EXTORT money from unsuspecting customers who were amazed at the generosity of the bank ... this practice is UNFAIR, and criminally deceptive at the minimum ...

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Mortgage (Conventional fixed mortgage) with TRUHOME SOLUTIONS, LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Since speaking with my Mother several times after the filing of the above referenced complaint. We were told by an employee at TruHome Solutions to cease the payments in XXXX 2016, then they could send the Hardship Application to be completed by myself and Mother. They continued reassuring the both of us that everything was going to plan and should have paperwork completed soon. 
Then XX/XX/XXXX, we were told that they were refusing to honor the Hardship due to somehow having my name, XXXX XXXX XXXX removed from the mortgage. 
They informed us that if they did not receive the three months payment by I believe XXXX XXXX, 2016, they were taking the house away from my Mother. 
I myself, XXXX XXXX XXXX signed the closing paperwork at the main XXXX XXXX XXXX located in XXXX XXXX, MO. I then traveled to XXXX, MO with my realtor XXXX XXXX to witness my Mother sign the exact same paperwork as I did and traveled back with XXXX to present the completed documents to the original employee that helped us at XXXX XXXX XXXX. 
During the time between XXXX XXXX, and the XXXX XXXX, 2016, there was no correspondence from either TruHome Solutions nor XXXX XXXX XXXX XXXX. No statement ( s ) nor a notice of non-payment. No phone calls or letter of possible default. 
Now TruHome Solutions have blocked us from making any payments online. 
There is something very wrong going on here. My Mother also knew I had/was signing the closing paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
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: On XX/XX/XXXX I received an email saying, Thank You for your payment of {$1400.00} for acct # XXXX. ( this is not my acct # ) I immediately logged into my acct # XXXX, and changed my password and deleted the pending payment from my bank acct. I kept an eye on both accts to make sure it did not go thru. then I get an email saying my new card has shipped, and I was charged {$16.00} for it. then I noticed my account has been " restricted ''. I then called Capital One Customer Service she was of no help, she just kept telling me I need to call their fraud dept. and she gave me another number to call for their fraud department. They too, were of no help. he refused to tell me anything except that there is some fraud activity and they are sending me a new card. I said I have the right to know what is going on and I should not be charged for a new card. and he just kept saying there is fraudulent activity on my acct. to this day, XX/XX/XXXX, I still do not have any new card and I am still making online payments but it is to acct # XXXX, not the card I have in my wallet # XXXX. I am asking for help in this matter. I am making my payments to an account that I do not have a card for. they changed my account # without my permission. I don't know how to fix this. I also need a credit of {$16.00} to my acct and remove the restriction from it with an explanation of what kind of fraud activity they found.

Company response to consumer: Closed with explanation