milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2017 about Debt collection (Medical debt) with ERC (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was awakened early this morning, around  7 a m by a representative of ERC Collections. It was an attempt to collect a dept for my father in law who has recently passed away. They have already called my wife previously and been told to cease and desist. My phone number has never been listed on any of his medical documents. The company in question has gone through the extent of doing a background check on my mother in law to find any phone records with numbers associated with her name. That is how they obtained my number. I have since informed them to cease and desist their activities or else I will be taking further legal action. I also asked for their   XXXX   XXXX   business license number to solicit calls for debt collection and they refused to provide me with a valid license number. This company is based in  XXXX  Florida When I asked them for proof of the original debt in writing they could not do that either. They do not possess licensing fo  XXXX   XXXX    XXXX .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I am not sure if this was obtained in store or online or of the amount at this time. I am continuing to receive harassing emails stating they are filing a arrest warrant and threats of being referred to an attorney. I have responded and noted that a complaint was being filed and not to contact me any further. 

Email address : XXXX Company : XXXX XXXX, XXXX, WY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I opened an account with Capital One 360. They took my money ( via ACH ) from my other accounts. My mobile app said that the funds were not available for withdrawal. I gave it a few more business days and then called them to find out why the funds were frozen ( I could not access them ). When I called them, they said that they reviewed my account and said that they did n't want to do business with me - although I passed all XXXX and did everything they asked. If they did n't want to do business with me, why would they open an account, take my funds, then wait to close it and freeze my funds where they were not available to me? I 've escalated and am still awaiting a return call. I passed all incremental XXXX and am not sure why they are keeping my funds. Additionally, I directed some of my payroll to this account since it was set up and they mailed me a debit card in the mail. I never imagined that they would open the account, mail me a card, etc. and then close the account and freeze my funds. As well, when I called to get help, the agent said they could not help me, that I needed to speak with another department and it took WELL over an hour just to get someone to answer the call ... and that person then said we do n't want to do business with me ... even though they took my money and mailed me a card

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I checked
my credit report ( XXXX ) on XX/XX/XXXX and showed I had a collection account listed. It stated lender was 12 Buckeye Lending Solutions showing date opened XX/XX/XXXX with status updated XX/XX/XXXX. I did some research and realized the address and contact phone listed on credit report was too XXXX XXXX XXXX ( collection agency ). I disputed account with XXXX and their dispute process was very vague and have been trying to validate debt with actual signature as I have no idea what this account was. I was advised it was a payday loan from XX/XX/XXXX, which seemed odd it was just reported to credit report XX/XX/XXXX. I advised XXXX to have account removed from my credit report as it is hurting my score to obtain a new home mortgage and dropped my score 20+ points.
I also submitted complaint to BBB regarding this issue with no resolution provided.

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 08/22/2017 about Vehicle loan or lease (Loan) with World Omni Financial Corp. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I requested a Payment History on my vehicle that is financed through XXXX XXXX XXXX ( XXXX  ), which none of the payments have ever been late. This request was initially made XX/XX/XXXX online with a follow-up by telephone to them XX/XX/XXXX. As of today, XX/XX/XXXX, I have yet to receive this information. I tried several times to contact them but once I was transferred the message given was, you have dialed the wrong number though it is the exact number I have called in the past. Today XX/XX/XXXX I submitted a second request. This organization has harassed me personally because I had a bankruptcy that discharged XX/XX/XXXX and their online site refuses to give me any access. I have contacted my attorneys in the past who had oversight of the bankruptcy but XX/XX/XXXX claim they have no information that the discharge has taken place. Ironically, all of my other creditors have been notified but XXXX refuses to allow me access and will not cooperate in providing me information. I fear continual retribution by this organization and it seems as if I will need to purchase another car to be rid of these intentional discriminating and harassing acts. I just need my vehicle payment history. I have no desire to ever speak to anyone associated with this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Medical) with American Credit Bureau, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Followup to XXXX, XXXX XXXX XXXX, in which creditor never responded. Not only were there charges for procedures I never received on this bogus bill, patient and insurance plan combined had to pay over {$7000.00} to have corrected serious mistakes this dentist made and refused to correct : a XXXX job that lasted only several months in which he refused to repair and stated that " I 'm lucky it lasted this long because XXXX only lasts a year '' ( not true ) where another dentist had to correct for a total of {$1800.00} ; XXXX that caused XXXX where another dentist had to repair for a total cost of {$1100.00} ; and never XXXX that another dentist XXXX corrected for over {$4000.00}. Now, he has the nerve to try to collect additional monies of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Struggling to pay mortgage

Complaint: in XX/XX/XXXX we signed for our son to mortgage property thru XXXX XXXX XXXX XXXX XXXX XXXX Mortgage apparently changed companies several times over the years. Son allowed mortgage to go into foreclosure. in XX/XX/XXXX it was scheduled for sheriff sale. We signed for Bankruptcy to stop the sale. We tried to speak with mortgage company about the account, payoff, selling property, etc. They would not speak with us. We were told, we are not on the mortgage, therefore they could not speak with us. Now if their mortgage does not have our name on it, and our name is on deed as owner, there seems to be a problem. Mortgage company kept maintaining we were not on mortgage. Now since we have filed bankruptcy we have to file a payment plan. We use the figure of {$110000.00}. since it was named on Sheriff sale papers. Now XXXX XXXX has filed motion to release them from Bankruptcy due to insufficient monies, and none payment to them. they are claiming {$130000.00}. due them. They have not supplied us with an actual account number, or an amount of monthly payments. If our names ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) are not on this account, then the account is in question of being fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Money transfer, virtual currency, or money service (Foreign currency exchange) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Problem with customer service

Complaint: I am a longtime customer and I brought XXXX to my local Bank of America branch to exchange for dollars on XX/XX/XXXX. These notes were 10 notes that are currently being taken out of circulation but are still legal tender untiXX/XX/XXXX I was told Bank of America could not accept these notes as of XX/XX/. 

These notes are still legal tender and I should be able to exchange them. I tried to contact someone within B of A that might have more knowledge about foreign currency but could not get past the initial customer service representative that could not have cared less about my issue. 

I am wondering if they were looking at the dates incorrectly. The teller told me that the bank stopped taking those notes as ofXX/XX/XXXX. If they were looking at English resources to check the notes thenXX/XX/XXXX would be writtenXX/XX/XXXX whereas in the US that date would be read as XX/XX/XXXX. 

XXXX XXXX XXXX XXXX is pulling the old 10 notes out of circulation to be replaced by newer polymer notes and I wont be back in XXXX until past theXX/XX/XXXXdeadline. Considering that I received those notes from Bank of America from my last foreign currency purchase it would have been nice to get a heads up about them not accepting the notes after a certain date.

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 12/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with SHAPESHIFT AG (MD).
Issue: Money was not available when promised

Complaint: On the XXXX of XXXX, XXXX at XXXX I sent XXXX Bitcoin ( XXXX ) to Shapeshift 's service in exchange for XXXX Ripple ( XXXX ). The value of XXXX at the time was approximately {$17000.00} which would equate to ~ {$720.00} and the value of XXXX was approximately {$.00} which would equate to ~ {$710.00}. However, this transaction and Shapeshift has now held my funds without allowing any access when I was supposed to immediatley recieve my XXXX  XXXX.

Shapeshift 's support team has now reached at to me and said they will refund my original XXXX in the next coming days. However, my original XXXX amount is worth only ~ {$520.00} and the XXXX I was supposed to recieve is now worth {$2000.00} as of today,XX/XX/XXXXI have demanded to recieve the XXXX but their support team is of no help. They claim that any errors in their transaction will result in an IMMEDIATE and AUTOMATED refund of the original payment method but they have failed to do so. So, they 've now held my money for 15 full days.

Many other have the exact same issues as I 've seen on forms such as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Consumer Loan (Vehicle loan) with 3rd Generation, Inc. (CA).
Issue: Managing the loan or lease

Complaint: 1 ) Failure to post payments in a timely fashion. I sent two payments via XXXX with follow up calls providing proof of payment. On both occasions I continued getting phone calls from employees that would yell at me, and threaten to have my vehicle repossessed and hang up on me. 
2 ) Vehicle repossession causing extra fees after payments were remitted and verified received, with all payments up to date. 
3 ) Continuous calls demanding payment after vehicle reclaimed from repossession company and additional fees being sent via XXXX. 
4 ) Third party disclosure to my brother in law after stating he was not my spouse. My brother in law was told that calls were regarding my auto loan. 
4 ) Applying insurance to may loan after being supplied with my private insurance information on 3 different occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I closed a credit card account in XX/XX/XXXX. Equifax is still listing it on my credit report, even though it is 13 years past the 10-year reporting period. Equifax claims it is the last date of their update/report ( which was XX/XX/XXXX based on my dispute ). It appears from Equifax 's point of view that every time I do a dispute, it will restart the 10-year statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Billing disputes

Complaint: I have a XXXX Rewards credit card with Chase. I use it for all my purchases and have always paid it off 100 percent every month. A typical month is about {$2500.00}. Two months ago, my bill was higher because of a XXXX. I paid about {$3600.00} of a {$3900.00} bill. The next month I was billed {$20.00} in interest for the {$340.00} I did n't pay. I was expecting an interest bill of {$3.00} or {$4.00}. ( Interest is 15 percent. ) They told me I was billed interest on my average daily balance, which they said was about {$1600.00}. I did n't like it and thought it was unfair, but I paid it. I paid the next month 's bill in full, including the {$340.00}. When I received my bill for this month, I was charged {$31.00} in interest even though I had paid the entire bill in full! I was furious for an entire Saturday afternoon and honestly felt like I had been the victim of fraud. I still feel that way. I called Chase and the woman agreed to take off the {$31.00} in interest after a prolonged conversation because she said I had been a good customer. She said the {$31.00} in interest carried over from the {$340.00} balance that I had already paid. So basically, I was charged {$52.00} of interest for {$340.00} I did not pay for one month. This is just usury and unfair credit card practices. I hope you will look into it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Other

Complaint: Still NOT resolved. 
XXXXCompany reviewIn progressXX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a judgement ( XXXX ) that 's reporting on my Equifax credit report to a XXXX XXXX. I 've disputed this with all XXXX bureaus and Equifax is the only one that wo n't release it. Reason I disputed this account has a lot of inaccuracy 1. The actual docket I 'm going to enclose with this dispute has a different name and date. I have another judge on my credit report that does n't even come up on public records and that case number ( XXXX ) From XXXX XXXX XXXX. Prior to reviewing my credit report I did n't know anything about it. I 've been disputing these negative items since XXXX XXXX. Please help me get this resolved. I have an address on my Equifax that I never resided at which is XXXX XXXX XXXX, IL XXXX. My bankruptcy was filed XXXX/XXXX/XXXX Equifax is reporting XXXX/XXXX/XXXX I 've contacted them 4 times about this they says they 're reporting correctly. Equifax is reporting a collection on my account but did n't list the name of the company only the debt and the amount. They 're listing XXXX XXXX XXXX as being opening on XXXX/XXXX/XXXX that 's incorrect. I have an alleged debt with XXXX XXXX that I 'm unaware of but XXXX and Equifax is reporting XXXX date as opened and XXXX has a completely different date. XXXX Now has XXXX different date on my XXXX and XXXX. XXXX XXXX is being showed as a collection account on Equifax and also shows included in my Bankruptcy that was filed on XXXX/XXXX/XXXX but it says the open date was XXXX/XXXX/XXXX. How is that even possible when no new accounts can be included into a previously filed bankruptcy? XXXX XXXX XXXX is reporting on all XXXX bureaus incorrectly. Equifax is reporting XXXX XXXX as and account but that was included in the Bankruptcy but they took it from off bankruptcy and said collections the date says XXXX/XXXX/XXXX that should have been deleted since 7 years has passed. XXXX is being report with XXXX different dates on all XXXX bureaus. XXXX XXXX is being reported open on the wrong day on Equifax. I 've included all my proof with this dispute. XXXX has a lot of inaccuracy also and they told we that they wo n't reinvestigate these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I have submitted a credit card application for an additional CapitalOne credit card as an existing card holder with CapitalOne. After submitting an application, I have had to contact CapitalOne seven times to get information on why the application was not approved. They declined requesting more documentation. I submitted social security card, and Drivers License. They denied the application again for insufficient documentation and request bank statements, XXXX XXXXs, and proof of residence. After submitting this documentation they asked for me to wait two weeks for approval. I followed up two weeks later where CapitalOne made another mistake and did n't combine the documentation into the correct file. After resubmitting the documentation for a third time I was told that it would be approved after processing. After not receiving my credit card for a month I contacted CapitalOne two more times to discover that my application was declined again and archived. Now CapitalOne is stating that they need to hit my credit again in order to resubmit my application in order to get a credit card that I was told I would be approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I terminated my lease at an apartment i lived at due to them not responding to sanitary reasons and they sent to collections with Hunter Warfield. I have sent XXXX letters of dispute to HWarfield with no response. They want me to pay the balance of the lease in full and i refuse to do so.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Credit card protection / Debt protection

Complaint: I lost my job and I had protection on both of my Capital One credit cards. In the meantime, my partner, was the person who always paid my card payments, monthly from HER account. This went on for 4 years approximately. When I was laid off from my job XX/XX/XXXX, I waited the 30 day period Capital One requests before the protection can kick in. When I called they had informed me that I did not have this protection and that it was cancelled XX/XX/XXXX, I advised them I was not the person who cancelled this and that it was possibly my live in partner, who I did not authorize to do so. The woman told me that there was nothing she can do and that I would have to wait for them to pull the tapes and investigate the call. Ironically, I also was informed that this was the same month and year that Capital One stopped offering XXXX XXXX in cases of someone losing a job. I voiced my concern with this, as well as me not authorizing anything to be cancelled and informed her of my partner wrongfully taking my credentials to do things soley because SHE was the one paying for my bills at that time. A few days later I received a phone call and the woman I spoke with rudely told me there was nothing they can do and that the voice tapes states its me who infact cancelled these services and that they were refunded back to my account. I told her I was NOT the one who did this and that I wanted to escalate, she told me that I could not because they pulled tapes. I said well, how do you have proof that it is me? Anyone can call in that is a female, as long as they have the proper information, state they want to do anything to an account. Which is what happened with my ex girlfriend. I told her if I had another females credentials, I also can do the same. Just because someone stated they were me, proceeded to give information, does not mean they are me. I also explained that I found it funny that this was the second time in several years that Capital One had " claimed '' my protection if I became unemployed was " cancelled '' on both cards. This also happened XX/XX/XXXX to me. In which I added it back on and let it go. The woman told me the only thing she can do is adjust the account, which STILL has n't been done, but that is all. She can not help and I am left hanging with payments now behind on both cards due to unemployment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/21/2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Shopping for a loan or lease

Complaint: When I went to the dealer, I signed for my credit check so they can see my credit and offer me a loan rate as they offer up to 0 % financing. The sales person told me that my credit score will give 8 % APR financing. I checked my credit score that night and it was already impacted for this credit check from Toyota. So I decided to continue and buy the car I found there. A couple of days later they have the car ready, I get the insurance and I was ready to sign for the car. When I was in the financial office, the person who attend me told me that my credit score was too low and they only way they can " help me '' to have the 8 % APR was if " I help them '' buying the extended warranty. It increased the final price for almost {$4000.00}. I told them I did n't want the extended warranties and all I want was the car and the 8 % finance initially offered. The person in charge of the financial office was pressuring me to get the extended warranty, as I refuse to take it he told me that the APR will be 9.44 %. As my credit score was already impacted and I 've spent many hours in this dealership I did n't want to go to other dealer, I decided to take the car and sign with the 9.44 %. I think that this sales tactics, pressure and confusing information is not correct. Why they offer and initial APR but do n't say that is subject to buy extra services that increase the final price of the vehicle. Also this person who I do n't remember his name at the moment, was very rude, unprofessional, and was acting like he was doing me a favor not treating me as a customer that is buying a car. He said " if you do n't like the way I do it, you can go to other place ''

Company response to consumer: Closed with explanation