milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2016 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (FL).
Issue: Problems when you are unable to pay

Complaint: i purchased a vehicle from XXXX on XX/XX/2016 and i am currently having mechanical issues with the vehicle and the XXXX party agency XXXX that they use to provide warranty protection to customers is refusing to help with an issues that is " covered '' under warranty. they have already forced me to pay for a diagnostic test that was done at XXXX when they should 've covered that as well. there is no reason a customer should have to pay for any repairs if the car is so called " under warrant ''. i am very dissatisfied with this whole exp erience and wish to have nothing else to do with them. The loan itself is preda tory anyway and should not be legal. I am very unhappy with how i am being treated as a customer.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was affected by the breach in information Equifax had in XX/XX/2017. They believe my information to be compromised, SSN, Address, DOB, everything. This is entirely unacceptable and I expect resolution. The entirety of my identity is now not safe and will require my constant monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have a collection account on my credit who was supposed to be included in my bankruptcy and XXXX. I want this issue to be resolved in the time manner and reported to all credit agency. Also not expecting anymore calls from collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Other debt) with EQUIFAX, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Money transfers (International money transfer) with Skrill USA, Inc. (CO).
Issue: Fraud or scam

Complaint: I opened an account with Skrill ( https : //www.skrill.com ) and attempted to send {$50.00} abroad. I was told to use alternative methods of transfers, as the security system flagged me as an undesirable customer. I talked to numerous customer service representatives at skrill and was told to try " a different browser '' or a " different machine '', to no avail. I was never told any details of the problem - finally they offered to close my account and give me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: I leased a XXXX XXXX XXXX from Ally Auto. At the end of the lease, I opted for the buyout option. At Ally 's direction, I secured financing and sent payment to them for the buyout amount, they deposited the funds. A couple weeks later they called me and advised they made an error and illegally sold me the XXXX as they are not licensed in the State of Florida to sell cars and they would have to reverse the transaction. They sent the funds back to my credit union. Afterwards they instructed me to take the vehicle to a local dealer in Florida. At the dealership, we decided to lease a newer vehicle as opposed to buying the XXXX and turned it in on XXXX XXXX, XXXX. I then received a letter from Ally advising they were charging me {$270.00} for lease extension fees because the vehicle was not turned in prior to XXXX/XXXX/XXXX. I detrimentally relied on the information they gave me concerning the buyout. Had they provided me the correct info from the beginning, I would not have turned the vehicle in late and therefore would not have incurred the charges.

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: To whom it may concern : Your response to my dispute of public record is unacceptable. In your response you claim that you have verified this information how? According to the FCRA you have to provide me with the manner in which you verified this information. And you have not done so. I have submitted all the information to you already that proves the account does not belong to me. I further more do not have to provide your company with anything else. You have to provide me with your ways of verification in which you havent done so thus far. Which will result in numerous violations of the FCRA and each violation can result in {$1000.00} penalty. I have kept close record of our correspondence in which you have not provided me any documentation of you ways of validating the account belongs to me. And I intend to pursue legal ways to remedy this tragic situation that is damaging my life as well as reputation because of your malpractice of reporting false information. Again I want verification of account numbers jurisdiction of court address and all other particulars of the public record you are reporting on my credit report. You can not use any 3rd party information you have to verify it with the courts and provide me with your exact method of verification to provide utmost accuracy as stated in Fair Credit Reporting Act. This is my final warning before I seek judicial court suit against your company for your transgression against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (I do not know) with Hunter Warfield, Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a vociemail message on XXXX/XXXX/XXXX on my cell phone ( no prior authorization given to use my cell ) from this number : XXXX told to call back about a complaint they had against me. No name or company name given. I called the call back number : XXXX and transferred to a XXXX XXXX. No company name ever given. he referred to me by maiden name ( I have been married 10 years and go by my married name ). He very rudely advised me I had to pay {$3200.00} for an origianl debt of {$550.00} and if I settled today within an hour I could pay {$820.00}. If I did not pay within the hour he would take me to court. When I tried to obtain information about this debt he said he was from XXXX and was rude and yelled at me and said I have all the information and I was calling to pay. He also told me he " looked into my bank account and knew I had the money to pay this. '' And told me they would garnish my wages. and come and subpoena me at work. He would not give me any information and said I must call back within an hour or he was taking me to court. I never received any paperwork or notice of this ever. I have no idea who this company is as it was never identified. I have no idea what this about. i have good credit and no debt has showed up on my credit. I tried calling back and with my friend who is a lawyer. They hung up on her accusing her of identlfying herself as me, she did not. She advised she was calling about an account and they assumed she was me as they never gave her the chance to advise who she was. As soon as she did they accused her and hung up. We were able to get a name of the company either pruvant or provant mediation. Each time I called to get more information they disconnected me ( total disconected over 7 times ) and accused me of already getting the information from them in the first call. They hang up each time I spoke to them without providing information and when I ask for more information or when my frined asked for information. They were rude, provided me with false information - that they went into my bank account, could go to work and subpoena me and threaten me all without even telling what the money was for or idenitying themselves. They have violated the FDCPA, XXXX, and XXXX with their scare tactics to say the least. They kept hanging up so that I could not even get an address to send a letter to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Commonwealth Financial Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX was the owner of a prior debt. Five days after I settled this debt the same account was sold to another debt collector. The new debt collector Commonwealth Financial refuses to remove debt from credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a dispute 2 months ago and have not received a resolution. I included my current drivers license as proof of residency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been continuously receiving notices from Porfolio Recovery Services for the last 8-10 years about a {$19000.00} debt from XXXX XXXX Bank. This is my XXXX complaint in this time frame about this company. They have never provided me with proof of this debt, it was past the statute of limitations when they started harrassing me. I have found numerous complaints on the internet about the same company for similar amount and similar stories. I want them to stop sending me notices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2016 about Payday loan () with GVA Holdings, LLC (WA).
Issue: Charged fees or interest I didn't expect

Complaint: Applied for a pay day loan {$500.00}, offered XXXX at the rate of 780 % how is this allowed in the USA??? 

Unsecured Personal Installment Loan by Northern Plains Funding Agreement Date : XXXX/XXXX/2016 Loan # : XXXX Northern Plains Funding , LLC Northern Plains Funding XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX PLEASE TAKE A MOMENT TO REVIEW THIS LOAN AGREEMENT CAREFULLY. YOU WILL BE REQUIRED TO ELECTRONICALLY SIGN IT. YOU WILL ALSO ELECTRONICALLY SIGN AND DATE THE PAYMENT CHOICE AUTHORIZATION. 

Loan # XXXX ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. FINANCE CHARGE The dollar amount the credit will cost you. Amount Financed The amount of credit provided to you or on your behalf. Total of Payments The amount you will have paid after you have made all payments as scheduled. 
780 % {$3300.00} {$500.00} {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Payoff process

Complaint: this loan has been paid off and is still damaging my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (Medical) with BCA Financial Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: i got a call from XXXX the man said My Name : XXXX XXXX XXXX i said whos calling please he said No i need the last XXXX digits of your Social Security Number and then ill tell you who i am! I said NO you will tell me who you are and what company your calling from sir before I 'll release any information to you! he said NO i will tell you that after you confirm the last XXXX of your Social Security numbers! i said NOT happening your NOT getting my personal information, i do not know who you are and what company your calling from so tell me that please! He said again No mame i need you to confirm the last XXXX of your Social Securtiy numbers so i can confirm i have XXXX XXXX XXXX on the phone! I said NOT HAPPENING SIR. GOODBYE IM REPORTING YOU! i got very upset knowing this could be a identity threat call so i blocked the number and told my husband cause im elderly and XXXX both. my husband unblocked the number and called it back to see if someone would answer and he could find out who these people where harassing me for my social security number. they answered B.C.A. finacial services and told my husband this number we have for your call is XXXX XXXX and give us the last XXXX of her social to confirm its her! my husband said NOT HAPPENING thats illegal to not disclose who your calling for and your name sir and he told my husband it was a financial matter meaning a collections for a dept. well my husband told the man that he was reporting them. i looked at XXXX of my collections papers that 's all i owe as of now and i did have on for BCA financial services, Inc a debt collection company for {$75.00} but the numbers to contact them on their paper is XXXX or XXXX not the one that called me and this is for a old emergency bill for XXXX. original creditor. for XXXX there address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Florida XXXX im really concerned that someone can just call and ask for your social security number. he did said it was a recorded line. I got the call on my XXXX cell phone number. My other concern is that people who go into collections from that nice hospital here can have their identify information possibly stolen. Thank you for your help and concern in this scary situation. XXXX XXXX you can reach me at XXXX or XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: So my wife and I switched from XXXX to XXXX, and XXXX advertised that " we 'll pay your early termination fee ( ETF ) ''. So we went there and we followed all the steps for them to pay our ETF, and now we 're getting calls from the CBE debt collection agency about a XXXX bill that was never paid. So I called the main office number and the female representative said I should of received a prepaid debit card with the money on it and that I should of paid the termination fee myself and use the card for what ever else. So when I called the store where I pay my bill at the male representative said " well, how it usually works is you pay the termination fee and we reimburse you with a debit card. '' I told him " that was never explained to me when I decided to choose XXXX and if that was the case, then why advertise that XXXX will pay your ETF when I have to pay it myself? '' The representative proceeded to tell me there is nothing tmobile can do for me due to it being passed the XXXX day limit to request a ETF yet I followed the steps that the representatives told me to do. Now my grandmother-in-law and myself have marks on our credit due to the lack of knowledge XXXX failed to provide me with and set XXXX up for failure and the false advertisement that they 're still advertising to this day. Can someone help me or at least point me in the right direction to take care of this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is a Business and they called asking for a individual who does not work here. They would not identify themselves, the company and just hung up on me 2 times!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Rewards

Complaint: I was an account holder of the Chase XXXX Visa card. One of the perks is that you receive Marriott Gold Elite Status as long as you spend {$10000.00} in an account year. I met that requirement for XX/XX/XXXX, and received Marriott Gold Elite Status XX/XX/XXXX. I spoke with a Chase account rep XX/XX/XXXX who confirmed I may close my account and not lose the status. I closed the Chase account, and lost the status.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (AZ).
Issue: Account opening, closing, or management

Complaint: Chase Bank has notified us that any users of our on-line COMMERCIAL bank account is now required to provide their HOME PERSONAL address to use the company on line bank account. 

We try very diligently to separate the commercial and personal accounts and are not comfortable with a bank requiring personal information to use a commercial banking product. This is a breach of confidentiality to require personal information to access a business bank account. Below is the notice from Chase : '' As you may remember, on XXXX XXXX, 2014 we started requiring that all Chase XXXX users provide their legal first and last name and primary residential address. We 've been gathering this information from our current users in phases, and starting XXXX XXXX we 'll need this information from the users who have access to your accounts. 

We 'll prompt them to provide this information the first time they log in after XXXX XXXX and will require that they enter it before they can view or transact on the account. 

We need this information because our policy requires that we obtain and record certain identifying information about any individual that transacts on a Chase account. 

We also sent this information to your chase.com user ( s ). 

If you have questions, please visit a branch or call us XXXX XXXX XXXX XXXX. 

As always, thanks for choosing Chase. "

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with WLCC (MN).
Issue: Problem with the payoff process at the end of the loan

Complaint: Tried to work out a settlement did not hear from them for months. Now all of the sudden they are calling me at WORK!!! That is against the law!!! They harassing me with phone calls everyday at work!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX I cosigned a private XXXX XXXX Loan for my wife. In XX/XX/XXXX, we had financial hardship and the loan went into default. The last payment on this loan was in XX/XX/XXXX. XXXX XXXX NEVER reported to the credit bureau the loan going into default in XX/XX/XXXX In XXXX, XXXX XXXX sold the loan to XXXX who took it over and reported the loan being in default in XXXX, which is not accurate, and therefor it re-ages the loan by 2 years which is also illegal. I have made multiple disputes on my credit report about this issue and it has not been fixed. I have also contacted XXXX directly and they refused to update the information correctly on my report. XXXX told me my last payment was in XXXX so requested proof from them of the last payment on the account and they could not provide it. I have bank statements attached that prove when my last payment on that loan was in XXXX of XXXX and no further payments were made after that point

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 07-05-2015 about Mortgage (FHA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: SunWest Mortgage is receiving XXXX loan # XXXX and not reporting to XXXX, XXXX & XXXX as well SunWest refuses to send me my monthly Mortgage Statement and without my permission enrolling me in paperless billing and making it difficult for me to send in my payment they are taking ever avenue to direct me in auto-pay I REFUSE TO GIVE THEM PERMISSION TO AUTO WITHDRAWAL FROM MY ACCOUNT in lieu of my refusal there making it difficult to manage my payments and there not reporting history.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I have requested that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX XXXX, 2014. The account number is # XXXX This account is a reporting subscriber to Transunion, and I have asked numerous times for it to be added to my credit file. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.

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 10-08-2015 about Credit card () with JPMORGAN CHASE & CO. (MT).
Issue: Billing statement

Complaint: The statement I receive in the mail from Chase for my Amazon credit card includes my full account number. I contacted Chase and requested that this be changed - it has been months and my current statement still shows the entire account number. Mail is not always delivered to the correct address and this seems to be a security problem that could and should be corrected. If it is an attempt to coerce customers into receiving a digital bill - I believe I have the right to receive a paper bill that does not include my full account number.

Company response to consumer: Closed with explanation