milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On XX/XX/2015 I sent a letter questioning several accounts on my credit report. I have waited well past the 30 days they have to respond. I have received nothing in response. today is XX/XX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIFTH THIRD FINANCIAL CORPORATION (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This company called me threating to take me to court if I did not pay this bill. I found out they are unlicensed to collect in this state and it is an illegal collection. This is a bill for my ex husband not me. I felt threatened and bullied into paying this bill that is not mine to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Bank account or service (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Account opening, closing, or management

Complaint: I opened an account online with first Tennessee national bank it required a {$50.00} account balance to open it so I transferred {$50.00} from my financial institution to first Tennessee national bank they process my account they sent me a debit card with all the new account information A little bit of time passed I received a letter in the mail that based on a previous relationship that we have had they were not able to honor my account and they would refund my {$50.00} within 10 days of receiving the letter that was at the end of XXXX I called today XX/XX/XXXX to check on my {$50.00} and they told me that they the recovery department intercepted my {$50.00} for a balance owing that I had when I was a joint account holder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2017 about Debt collection (I do not know) with Merchants' Credit Guide Company (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I submitted this complaint before but it was the wrong company. Several months ago a woman named XXXX XXXX contacted me about an account that was with closed, or paid off, in fact I never received any paperwork, I paid XXXX a month, then my account was hacked and I become ill. She began calling again. XX/XX/XXXX my father XXXX and a short time later she called again. this time she said I owe XXXX dollars, adding to it instead of subtracting the money I paid. Then she said it was to bad about my dad, but last time you said your account was hacked, she was really rude and intimidating. I hung up and started to cry. She did not believe me that was obvious. I sent the company a copy of my father 's XXXX XXXX to prove I was not lying. I do n't even know what this money is for. And this XXXX XXXX is rude and intimidating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Other debt) with Allied Collection Services, Inc. (Nevada) (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Over a year ago, Allied Collections started collecting on an account it said was owed to XXXX, in the amount of about {$470.00}. Around XXXX XXXX, I noticed they had reported it to various consumer credit reporting agencies, like XXXX. That month, I settled the account with Allied, on the condition that they request deletion of their tradeline from any credit bureau it had been reported to. I was told by the collection agent that Allied would be requesting deletion of their information from the credit bureaus. However, they did not do this, despite promises otherwise. I followed back up with Allied and they said they would take care of it and ensure their tradeline was deleted. Worse, when I disputed the information to EXXXX, Allied *confirmed* it was supposed to remain reporting to my credit history. As of XXXX XXXX, XXXX - almost a year after payment - the account remains.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX-XXXX cancelled my cable service without my consent and then when I called to correct the error on my Acc # XXXX they conducted a hard inquire on my credit on XXXX XXXX 2017 that I never authorized. 1st, I should not have had to reopen an account that was in good standing due to XXXX 's error. 2nd, I never authorized a hard credit inquire. XXXX was only to check to see if I had any outstanding unpaid XXXX/XXXX balances within their company not perform a hard inquiry on my credit report on a service that should have never been canceled in the first place ...

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Medical debt) with Alorica Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was on vacation when I had a medical issue. My medical is through the XXXX XXXX. There was no XXXX XXXX close by and it was life threatening so I went to the local hospital where I received treatment. From the beginning I informed them of my XXXX XXXX XXXX XXXX XXXX. XXXX wrote me a letter and stated that they had settled the entire bill with them and that I was not liable to pay any more. Now West Asset is reporting a medical bill from that incident. They never contacted me to validate the debt. I discovered it when I applied for a mortgage loan. I would and do fully dispute this debt as being 100 % covered by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/14/2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I purchased 4 tickets via the XXXX XXXX website from XXXX to the XXXX XXXX for our XX/XX/XXXX vacation, we flew from XXXX Oregon thru XXXX XXXX to XXXX where we arrived at XXXX instead of XXXX due to aircraft delays. We took our family and stayed at the airport since our XXXX XXXX flight was supposed to leave to the XXXX side of the XXXX XXXX at XXXX. When we tried to find XXXX XXXX much to our dismay it had gone bankrupt without telling anyone the month before and we had to purchase tickets to XXXX via XXXX XXXX  for {$880.00} the last minute price. When we returned from our vacation we contacted USAA and filled a disputed claim where USAA opened a claim, usaa then withdrew the claim saying we did not want to continue it and the time had elapsed and to contact XXXX XXXX, XXXX XXXX statement to the public which we made usaa aware of says to take this up with the bank or credit card company. That email was on XX/XX/XXXX ... we are now trying yet again on XX/XX/XXXX via phone because they have locked the ability to dispute these transactions. We have provided USAA with local news in Hawaii showing that the airline had closed and there is no longer XXXX XXXX website. We did not receive services and and being penalized for the date I purchased airline tickets. Below is the new article with the statement from XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery Services calling me multiple times a day from atleast 10 different phone numbers. I got my free credit reports from all XXXX agencies. I have nothing in collection with them. I have some old medical bills and they all show as paid. And looking at my XXXX credit report Portfolio Recovery services is looking running my credit report often, sometimes several days in a row, sometimes 2 weeks apart since 2015. I would like them to stop calling me and accessing my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have multiple inquiries from unheard of sources!! I 've asked for removal and they are still there!! I fell this is fraud and it is affecting my wellbeing! Acct in question as follows : 1. XXXX bank XXXX. 2. XXXX XXXX. 3. XXXX XXXX. 4. XXXX XXXX ( appears several times! ) 5. XXXX XXXX. 6. XXXX XXXX. 7. XXXX XXXX. 8.XXXX XXXX. 9.XXXX XXXX. 10.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX XXXX, I was notified by Capital One that there was fraudulent activity on my account. Since that time ( now XXXX XXXX ), I have called twice a week, every week, to inquire to the status of my account. No one seems to be able to assist me and instructs me to inquire at a later time, by file is being handled by a " fraud specialist '', whom is never available and has n't returned a SINGLE phone call since XX/XX/XXXX. On XXXX XXXX, I was notified by a credit report monitoring service that a late payment has been posted ( 60 days late ). Not a single person at Capital One would accept a payment from me while the case was being investigated but meanwhile the interest and payments were accruing. Since XX/XX/XXXX, I 've had to deal with the most inept, incompetent individuals and they have cost me a great credit score, all the while, now telling me that the situation was rectified in XX/XX/XXXX ( however, I just called and was told that was one still being investigated ). They accepted one payment from me on XXXX account, but not another. I want the late payment removed from my account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I initiated 3 separate wire transfers with Coinbase ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and none of these transfers were received on the dates promised. 

I opened several support tickets with the company and only one was responded to ( only once ) stating there was a bug with wire transfers and they were looking into the problem. In their support email, they told me : " If you dont see the funds within the next 2-3 business days, please let us know. Thank you for your understanding. '' I did not receive the funds in 2 - 3 business days ( it has been 6 days since they sent this email ). After 4 days passed, I responded to them explaining that I had not received the funds. They did not reply to me. 

I opened several other support tickets, but none were responded to. 

I also emailed the CEO 's public email twice requesting that my case not be ignored and have not received any word back. 

I 've also called my bank and asked if they saw any pending wire transfers on their side, but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (MO).
Issue: Problems when you are unable to pay

Complaint: Receiving threaten emails from people who may or may not be from Ace Cash Express.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Checking or savings account (Checking account) with ARVEST BANK GROUP, INC. (MO).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: XXXX XXXX XXXX transaction was erroneously debited to XXXX XXXX 's checking account for {$180.00} leaving an XXXX year old woman with no money for the remainder of the month. The account became delinquent Friday, XXXX XXXX, 2017 because of an error by the bank.The Arvest Bank Representative on XXXX XXXX XXXX in XXXX, MO referred to it as an " error '' and the best they could do is credit the account possibly in 10 days time. Truly not acceptable when a financial institution has the ability to credit faster and the bank representative had concluded his investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On 2013, I ended my service with XXXX and paid the full amount. After the service was terminated, XXXX charged me for {$81.00} for the next month 's cycle which was a mistake on their part. 

I disputed this collection on XXXX and it was removed from my account increasing my credit score. 

Please assist with this issue I am having. I 'd like to keep a clean credit and I have always been diligent with my payments. I 'd be happy to provide more information. Thank you!

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 10/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting collection calls from Central Credit XXXX regarding a debt that I do n't owe. I 've called them and they say my phone number is not in their data base, but they will put me on their " do not call '' list anyway. The calls are continuing. 

I had the same problem last year with XXXX and it turned out that someone had their phone forwarded to my number. Central Credit does n't want to listen to any possible resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am filing with XXXX XXXX XXXX at the same time I am filing with you : This communique is to address my concerns over you reporting me to the credit burrow with late payment and adversely affecting my credit and ability to refinance my loan. This is simply not true, I have paid you the same amount for over 6 years, every month, always on time. This is easy to see in the attacked payment history that covers the entire time that your representatives would send me. I do have ALL of my payments and bills that I can produce if necessary, though my time doing that would be billable. 
XX/XX/XXXX, I inquired with XXXX XXXX XXXX ( XXXX ) to see if I qualified for a restructuring of my load to reduce my interest rates and payments. I was very vocal that I did not want anything with my existing loan to change without my permission. It appears that you did not pay any attention to me and sometime XX/XX/XXXX, without my permission you decided to start requiring escrow from me, which I have never paid. I make all my insurance and tax payments myself. It should be noted that they have always been paid on time and in full. 
XX/XX/XXXX, XXXX sent me a restructured loan packet with a HIGHER interest rate and higher payments. This was unacceptable and I declined it, instructing you NOT to change my existing loan again. I have to instruct you verbally and in writing numerous times before you stopped pestering me about it. However, as noted above, not only did you add escrow to my account, but you did not notify me. You then began sending me notices that my payments were not sufficient and all my payments were going into suspense. I made numerous calls and wrote numerous letters trying to straighten this out. XXXX was very uncooperative and rude on many occasions, refusing to transfer me to managers when I requested. I sent written notice to stop collecting esc row and not to make any payments. However, you still made a payment to my insurance company, even though I was paying them monthly. I had to take my own time to recoup this mistaken payment that you made and returned it to you in an effort to straighten out the escrow issue. All of this should be in your records. 
The above is a brief summary of what has transpired and attached are records of my payments, on time and for the full principle and interest. I want you to do the following : I want remove the " Late Payment '' on my credit history and with all credit reporting institution post haste. This would be the " account 30 days past due on XX/XX/XXXX. I made the same payments as always and the escrow was in dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Sent via mail on XXXX/XXXX/XXXX a letter to XXXX along with a check payment stating upon cashing my check payment they would agree to remove all late payments from all three credit bureaus ( Equifax, XXXX  XXXX ) immediately. My check was cashed on XXXX/XXXX/XXXX and the late payments remain on the account they have not been removed yet. Per the agreement these should be removed from all three credit bureaus. I have will attach a copy of the letter and copy of check along with a snip it from my bank showing it was cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (SC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I, like many other servicemembers, applied for the Barclay Mastercard goldcard under the assumption that all fees would be waived and 0 % interest as long as I remain on XXXX XXXX. When I applied for the card and was approved around XX/XX/XXXX, I was promised by multiple customer service reps that I did in fact qualify for 0 % interest and ALL fees would be waived. I then recieved a letter stating that they would no longer waive the annual fee and that I would be billed {$990.00} in XX/XX/XXXX. I have attempted to work out a solution with Barclay. They wo n't even allow me to downgrade the card because the account is new. I would n't have applied at all if I knew they would change their policy without grandfathering previous cardholders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: I disputed the information to verify showing that the account was mine  XXXX  times. The results never came back as verified in my rights is that the account suppose to be deleted off my credit report.

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 11-02-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PR).
Issue: Problems when you are unable to pay

Complaint: I cosigned a car loan for my sister and due to lack of payments ; I ended up calling the finance company, which was XXXX bank to repossess the car. Couple to few months later, I received a letter from the bank stating that they sold the car and it was sold for {$4000.00}. From that point, I requested documentation that proved that the car was actually sold for what it was sold for. The car was a XXXX XXXX XXXX, limited edition. All I received from XXXX was an itemized list ; I strongly believe that the car was worth more than what the bank claimed it was sold for. 
I know a creditor may have the right to " repossess '' -- or take back your car without going to court or warning you in advance. The creditor may also be able to sell your contract to a third party, called an assignee, who may have the same right to seize the car as the original creditor. I was never informed about the time and place of the auction or private sale. 
I 'm convinced that the selling price of the car was below the book value. I strongly believe that the bank failed to resell my car in a commercially reasonable manner, and I need answers. 
As of today, I owe more than {$12000.00} and it is being reported in my credit. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Taking out the loan or lease

Complaint: financed a car thru santander consumer usa XX/XX/2013 been paying regularly since then got behind once and paid XXXX to get the car back when i was only behind 60 days for a total of XXXX then amounts of money i pay monthly never goes to the principal only on interest the loan was supposed to be paid off in 5yrs now their info says a 7yr loan the balance only goes up never down still owe according to them XXXX checked my credit report now says that its a charge off account and never is paid when i have proof then was pulled over because my car plate and vin has no info and being advised by dmv that santander put a freeze on my vin so i cant get the car plated anymore

Company response to consumer: Closed with explanation