milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2016 about Debt collection (I do not know) with ERC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: No answer. 
When I call them back, they ask for personal information that I do not feel comfortable releasing over the phone. ( i.e. address and SSN ) I have asked several times why they are calling. 
The response is " ERC, we are attempting to collect a debt '', however refuse to tell me what debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2016 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Payment to acct not credited

Complaint: I paid this lender off a couple years back. It is not even on my credit report however they are sending me violent email about how my social security is going to be black listed and and I will have a warrant out for my arrest. From ACE legal

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: transunion credit report web suite does not work making it impossible to order a credit report on line as they advertise. there is no way to contact them toresolve this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problem with customer service

Complaint: I received an advance payment of {$5000.00} from my flood insurance carrier-Allstate. It was made out to me, XXXX Bank, and Compass bank. My primary mortgage is with XXXX bank and I have a equity line of credit with Compass ( that has a XXXX balance ). XXXX endorsed the check immediately-no problem. Compass Bank, however, refuses to endorse it unless they receive a copy of the insurance adjuster report and an estimate from a contractor. I explained the {$5000.00} advance is to help with immediate needs and to help me get started on the rebuilding process. This explanation fell on deaf ears. They cited their policy and have refused to endorse the check. As of this writing I 've had the check in hand for over a week. At this point it is a worthless piece of paper. I 'm grateful I do n't need the funds immediately but others in this same situation are desperate for money. We, flood victims, are being victimized all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Consumer Loan (Vehicle loan) with VW Credit (FL).
Issue: Managing the loan or lease

Complaint: I purchased a new Volkswagen on XXXX XXXX, 2015 and financed it through VW Credit. I financed for a long term but knew that I would pay ahead. To date I have made XXXX payments and they are not reflected on their web site. First I was told that the site was unable to show balance due and payments but I could request an email from them for this information. When I told them this was unacceptable and that the information should be available at all times they said it would not be available until I had made XXXX on time payments. I financed my last vehicle through a credit union and this information was available at any time at their web site. Withholding this information is just not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Taking out the loan or lease

Complaint: I HAD AN XXXX LEXUS FINANCED THRU LEXUS FINANCAL XXXX. IT BURNED UP ON WAY HOME AND XXXX PAID ALL BUT XXXX OFF. I HAD PURCHASED A GAP POLICY FROM XXXX TOYOA, WHEN I BOUGHT T IT WAS A U.W.C GAP POLICY OWNE D BY XXXX XXXX THAY REFUSED TO PAY CLAIM OR REFUNF MY MONEY FOR IT I PAID TO RESOLVE BALANCE. LEXUS TOYOTA FINANCIAL IS RUINING MY CREDIT WITH LATE PAYMENTS AND COLLECTION ACTIVITYS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Debt collection (Credit card) with Gurstel Law Firm, P.C. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX is collecting on a debt that has been paid. XXXX sold accounts to XXXX XXXX, I have number of accounts showing up under XXXX. These are accounts for as early as 2002.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i requested my equifax report XXXX initially XX/XX/XXXX. at that time i learned that a family member was using my credit fraudulently. i immediately contacted equifax via snail mail XXXX and online. i later reviewed my equifax report XX/XX/XXXX and learned that no changes where made. i emailed the company again on XXXX occasions the only answer ive received at this point is that they didnt recieve the initial complaint but the new complaint is being investigated. my complaint is, equifax is in violation of federal law each day that goes by reporting false information. the problem is they know us consumers have no legitimate recourse to insure they operate within those laws.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: on XXXX XXXX i got a statement from American express for XXXX i call them and ask why they say is the annual fee so i tell them to cancel they offer me another credit card with no annual fee i accept it but they did n't told me the fee is not totally cover i still need to pay for XXXX until i got the monthly statement i found out i still owe it i call customer service to cancel the credit card they say ok ask them the account is clear the guy say yes but this month i got the another statement they say i still owe that amount i call them they say they never told me that.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Transunion XXXX XXXX- XX-XX-2016 XXXX XXXX XXXX XXXX -XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 The inquiries that I have written above are unauthorized. I did not allow anyone to use my personal information to obtain goods. XXXX and Transunion have not removed the fraud inquiries from my credit report even though i have disputed them multiple times.

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 01-05-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: It looks like Chase is doing something similar to what XXXX XXXX was caught doing in opening fake accounts. I was contacted by XXXX XXXX at Chase bank in XXXX XXXX XXXX, CA. She told me that if I opened a new checking account and transferred money in, I would qualify for a bonus of {$200.00}. She said I needed to come into the branch to open the account, which I did about XX/XX/XXXX. She told me that in order to open the account, I would need an employer direct deposit. I told her I 'm XXXX XXXX and do n't have an employer direct deposit. She said that as long as money was transferred into the account within 30 days of opening from a non-Chase account, it would qualify for the bonus. On XX/XX/XXXX, I transferred the required amount from a non-Chase account. 

While I was opening my account, she told me that my wife would also qualify for bonus money if she opened an account as well. I told her my wife is a XXXX XXXX with no income and she said she would qualify under the same rules. My wife went into Chase on XX/XX/XXXX, and opened an account. The person that opened the account was not XXXX and said they did n't know if my wife would qualify or not. The banker suggested I contact XXXX. 

I called her the following week and told her the issue about my wife 's account. She said she would look into it and get back to me. I never heard from her. I called and emailed her several times with no response. Finally, on XX/XX/XXXX, after getting no response from her, when into the branch where she works. I talked to her and told her of the issues with my wife 's account and that I still had not gotten the promised bonus money. She said she would talk to her manager and get back to me the following week. I never heard from her. 

About XX/XX/XXXX, I called the branch and asked to speak with XXXX XXXX, the branch manager. I told her what had transpired. She said she would talk to XXXX and get back to me the next day. I never heard from her. 

On XX/XX/XXXX, I called and talked to XXXX. She said she talked to XXXX and she denied ever telling me what I was told. XXXX told XXXX that I was told it would have to be an employer direct deposit to qualify for the bonus money. 

Of course, that makes no sense. Why would I ( XXXX XXXX ) and my wife ( XXXX XXXX with no income ) open an account with the promise of bonus money if the only way to get that money was a direct deposit, which neither of us have. It seems that XXXX got us to open accounts to increase her bonus. I thought it was weird she would cold-call me for just that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: Capital one is continuing to report an account with XXXX as a charged off account after they issues a XXXX which cancelled/forgave/paid the debt therefore should n't be reported on my XXXX credit file in violation of under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity. 15 USC 1692e ( 2 ) ( A ). falsely representing the legal status of the alleged debt. A XXXX was issued XXXX XXXX, XXXX cancelling the debt, therefore reporting it should 've been removed within 30 days of issuing the XXXX. Capital One issued a letter dated XXXX/XXXX/XXXX signed by XXXX XXXX to contact them at XXXX if we needed assistance but the Rep for Capital Once ( XXXX Rep # XXXX ) placed me on hold as she researched the account and then comes back and tells me she cant discuss the account over the phone and that she needed my phone for someone to contact me back sometime next week ( I have it recorded and notified her and the previous rep that the call was being recorded ). I notified her that it was a Federal violation to continue to report an account with XXXX after the account was paid/cancelled by the XXXX and she stated that they have the right to report it to the IRS, I replied to her that I know it has to be reported to them and that by Capital One filing a XXXX they discharged/Cancelled the debt to they were violating FDCPA by reporting this account to XXXX a reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Problems when you are unable to pay

Complaint: My car was repossessed at XXXX on XXXX XXXX, 2015. I was explained that I had 21 days to redeem the vehicle. I paid the bank the past due amount today but they have shipped my car to auction in XXXX XXXX, XXXX hours from where I live. Now my husband and I have to miss an entire day of work to pick up the car.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint regards being denied a mortgage modification. When the economy failed, my husband, XXXX, lost his job as a XXXX. He was also caring for his XXXX parents. As their needs increased, he became their full-time caregiver and they helped us with our bills. After his dad died of XXXX, XXXX continued caring for his mother with XXXX. When his mom was placed in assisted living this assistance ended. After that XXXX could n't find full-time work. I continue to be employed as a XXXX since 2004, but my salary did n't cover the bills. XXXX found side work, but it was n't enough. I contacted my mortgage servicing company and they were willing to assist. After I received foreclosure documents they no longer took my calls. I tried to respond on my own, but eventually I hired an attorney. She says we 're half way through the process with a year left. Our lender has rejected our modification requests even though we are both working full-time in permanent positions, have received " cost of living '' increases and have no credit debt. I understood that our eligibility hinged on XXXX 's obtaining permanent employment. That criteria was met years ago now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had a collection on my account for 7 years on all XXXX of my credit reports and when it was time for it to come off the company went and got a judgement against me. Is this even legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: BANK OF AMERICA COLLUDED WITH XXXX TO COMMIT ACCOUNTING FRAUD BY MANIPULATING MY ACCOUNT 'S FINANCIAL RECORDS. 

BOTH INSTITUTIONS REPORTED THESE FALSE CLAIMS TO ACCOUNT HOLDER. 

THESE FALSE ALLEGATIONS ULTIMATELY LEAD TO OVERDRAFT FEES THAT WERE EVENTUALLY RESCINDED BY THE BANK. NEVERTHELESS, THE BANK DID ENGAGE IN MANIPULATING ACCOUNT ACTIVITIES TO COVER UP BOTH XXXX 'S AND XXXX 'S INVOLVEMENT IN AN ATTEMPT TO PLACE ONUS ON COMPLAINANT!

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 07-04-2016 about Student loan (Federal student loan servicing) with ACS Education Services ().
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I would like to submit a formal complaint about the online forms associated with ACS loan servicer. I am currently attending school in XXXX, XXXX and in doing so I have a XXXX address, bank account, and phone number. ACS does not allow for the option to have a foreign address in your personal information when filling out the In-School deferment forms, although they do allow you to enter a foreign address when entering your personal information in the " update address '' section. They also do not allow you to enter a foreign phone number and do not allow the option of simply not entering a phone number, this means that I have been forced to enter my father 's personal phone number despite the fact that he is in no way involved in my student loan re-payment efforts. As XXXX of thousands of people who are paying exorbitant interest rates to ACS for servicing a federal student loan, I am shocked and appalled that they are not able to accomplish something as simple as creating forms and protocols that work despite your location on the globe. I am also appalled that these loan servicers refuse to accept payments from foreign accounts. Forcing borrowers to pay a foreign transaction fee to transfer money into an american account on top of high interest rates is an undue burden for borrowers and should not be acceptable practice for companies that are making millions of dollars servicing FEDERAL student loans. I hope that you will take steps to correct XXXX of these glaring issues as they are certainly not in line with the globalised world that we are living in today. 
Thank you for your time. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Credit card () with BARCLAYS BANK DELAWARE (SC).
Issue: Closing/Cancelling account

Complaint: I closed my Credit Card account with Barclay Bank in XXXX XXXX. On XXXX XXXX, XXXX I was notified by email that I have a new charge on the account. I called Barclay and they confirmed the account was closed but said they charged the account because it was a subscription charge. I stated that does not matter the account was closed - no new charges should be allowed.

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 05-08-2015 about Credit card () with U.S. BANCORP (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX we entered an agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arena Resorts. This was a timeshare for XXXX weeks at a XXXX XXXX to be built in XX/XX/XXXX in XXXX XXXX XXXX. They gave us certificates for two weeks at any XXXX XXXX in XXXX because the completion date was not until XX/XX/XXXX. When we returned home on XX/XX/XXXX, I tried to verify the certificates and found out they were not valid. I tried to call the salesman, XXXX XXXX. He gave us his phone # XXXX, which is a nonworking number. At this time I looked on the internet and found XXXX XXXX XXXX Scam. We found may reports of other people being scammed. 
We were told the Federal Consumer Protection Agency in XXXX allows us Five days to cancel this agreement. 
I canceled the agreement with XXXX on XX/XX/XXXX. I called the Visa Credit card bank to report I would like to cancel the transaction. I was told the charge had already been reversed because they had discovered it was fraud/scam. That same day my wife went on line with the Visa account and found the charge was still showing. She called Visa and she was told we would have to file a complaint and dispute the charge with Visa, which she did at the same time. 
On XXXX XXXX we were informed by a letter from Visa that they were unable to assist us with this dispute. 
This agreement was for {$13000.00}. We are not sure if we have a legal dispute with Visa, but we have been told that we do. 
Thank you for your help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Student loan (Federal student loan servicing) with ACS Education Services (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: In XX/XX/XXXX, the company processing my federal student loans changed from ACS Education to Conduent to  now, XXXX. I've been trying to log in to ACS/Conduent 's website to retrieve my XXXX   information for the year XX/XX/XXXX ( student loan interest paid ). The website does not allow me to login and retrieve this info ( I get told I will be sent an email with a verification code to access my account, but these emails never arrive, not even to my spam folder ). When I call their customer service number, I am unable to retrieve this info either through their automated system, or even speaking with a live operator. I just get routed to a series automated messages with the final one hanging up on me.

XXXX   does not have this interest info accessible on their website ( presumably because my first payment to them was inXX/XX/XXXX ).

Please help, as I need that XXXX info for my taxes. Thanks! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am not responsible for this bill. This bill is from XXXX and I never go there is always go to XXXX hospital. When I had my kids I went to XXXX. So I 'm not sure how they even got my information. And if I took my kids there which I do n't recall they had XXXX that paid they bill. I will like for this bill to be closed and deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I sent a Goodwill letter to the CEO of Capital One asking for a late payment on XX/XX/XXXX to be forgiven. In this email I did explain my family had been impact by Hurricane Harvey and I had been traveling back and forth. I was so focused on my family at the time that my payment had slipped my mine. I was no more then 30days late. I was also having problems at the time with the app and being reminded through the app about my payment due date. I spoke with XXXX on XX/XX/XXXX and she advised me they had received my email and wanted to see what had happened at the time my payment was missed. I explained to her my story and she told me she would get back with me. On XX/XX/XXXXI spoke with XXXX again and she told me there was nothing Capital One could do to change how my XX/XX/XXXX payment was reporting to the Credit Breaus. I asked XXXX to relook into their decision. I also sent a Goodwill letter certified on XX/XX/XXXX.  I have been a valued customer of Capital One and this is my 1st missed payment. I also advised on the email that I am in the process of trying to get a mortgage and this one late  payment on my credit is affect me getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX Not my account Fraud account identity theft

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