milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Bridgecrest Acceptance Corporation (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I got behind in my payments, but was never put up for repossession. In fact I have had the car for 2 years making my payments and I was never up for repossession. I early XX/XX/XXXX I went online to make the payments to get back on track and discovered I no longer had an account. I contacted the company and they informed me that my account had been charged off on XX/XX/XXXX. No being a business guy I only assume they did this because the company had changed names and they wanted to get rid of " bad debt '' under the old company name. This is a nationwide company I am speaking of. The company is Bridgecrest formerly XXXX. I received no correspondence from them regarding the charge off. No a letter, email, or phone call. So here were the terms of what they offered me. I could pay the past due amount and then make monthly payments and keep the car till it was paid off. Yet, on my credit report it would show as an account closed and a charge off. Which in turn no shows up as a repo and a past due balance of almost {$7000.00} which is not the case! I have made every payment on the vehicle and still have it in my possession. They also refused to provide me with any paperwork about the new agreement. They have refused to budge on the credit report issue and stated that even when the car is paid off they will not change it and it will still be listed as a charge off.

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 05/21/2017 about Debt collection (I do not know) with ERC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: ON  XXXX   XXXX ,  2017 I pulle d my CR from all  XXXX  major bureaus (  XXXX ,  XXXX ,  XXXX   ) and  noticed that a ERC  ( Enhanced Recovery Corp, LLC ) was listed on my CR as a debt collection and   that it was established in  XXXX   2017. I h ave never had any accounts with " ERC '' and have signed in to no binding documents or contracts with ERC or any of it 's affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I just saw this debt appear on my credit report today. The date opened is incorrect, I have not had any communication with this company. I am a  XXXX   year old a nd have been out of   XXXX   XXXX   for only two years. I 've never had a primary residence of my own in order to have applied for any type of credit with them or  XXXX   XXXX   XXXX . I need this item to be removed from my credit report for I am a young adult that is just now starting my adult life and do n't need any derogatory marks on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent certified letters in  XXXX  in reg ards to this issue and have not heard back from  XXXX , Equifax and  XXXX . They are all dated for the year of 2016. I would like for the below inquiries to be deleted. '' I have explained myself about the the email system of   XXXX   being breached. I even had to call to remove addresses that I 've never lived.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (ND).
Issue: Deposits and withdrawals

Complaint: I receiv ed 2 letters from Bank of America notifying and informing me that several claims I made with Bank of America in regards to my checking and money market savings account being used fraudulently and unauthorized and having unauthorized and fraudulent transactions and charges on my checking account,  were authorized by me and posted correctly to the account. The unauthorized and fraudulent transactions were not authorized by me. An identity thief used my personal information and my previous and current address to commit unauthorized and fraudulent transactions on my checking and savings account. I made a police report in regards to identity theft and my checking and savings account having fraudulent and unauthorized transactions that was not authorized by me. The fraudulent and unauthorized charges and transactions do n't belong to 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 monetary relief
Consumer complaint received 12/24/2017 about Debt collection (I do not know) with Acceptance Rentals, Inc. (FL).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: This account has inaccurate information date opened XXXX2013 with a balance 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 12-12-2016 about Debt collection (Medical) with Feldman & Stern, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a email from a collection company. so I call to let them know that it was my ex husband not me. so the det compny proceeded to tell me I owe this debt because I was his wife. I said nope ex-wife. XXXX proceed to tell me I was going to pay this bill or I would have to go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (Payday loan) with Financial Credit Service, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company claims that they are collecting for a company that I have never heard of but they have all my details, called ex husband that I have not spoken to in years with threats and false accusations demanding that he tracks me down to call them. I think that they are the same company in the past pretending to be someone else. When I call the number they refuse to send anything in writing, They become aggressive when I refuse to give them money over the phone, threating to have me arrested and my social security and credit ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Billing disputes

Complaint: My Visa credit account with Capital One was closed in XXXX 2016 with a balance of {$9700.00} - with a minimum payment of {$98.00} due on XXXX XXXX, 2016. Because my account was closed, Capital One did n't send me any documents and I could n't pay online so I kept calling and finally I was able to get the help necessary to make this payment on XXXX XXXX, 2016. However, Capital One started a weird mechanism of calculating charges to my account - although I did n't have any purchases or cash advances since the closing of my account in XXXX. Between the end of XXXX and the first week of XXXX, they have charged me close to {$1400.00} - which they themselves acknowledge is neither interest nor purchases, as interest started accruing to my account only in XXXX - according to Capital One 's documented, recorded admission which I have as audio file. The total amount of interest charged to my account was only {$300.00}. Although I made the minimum payments required since XXXX XXXX, 2016 - {$98.00}, {$160.00}, and {$130.00} for the months of XXXX, XXXX and XXXX. But Capital One has sent a statement saying that I owe {$650.00} for the month of XXXX and they 've increased my principle from {$9700.00} in XXXX to {$9900.00} in XXXX - without any purchases during this entire period and with my total interest being charged only {$300.00}, how and where this {$1400.00} is going, The interest charged, and the amount that I 've already paid over these three months, and the {$650.00} Capital One wants me to pay, there is {$1300.00} which disappeared into thin air. This kind of criminal and fraudulent calculation of account charges, where they can not explain where the money went is not only exploitative but sucking the blood from American families - illegally and fraudulently - to keep greedy " companies '' like Capital One in luxury. Please investigate this company and start a class action suit as there are bound to be thousands of others customers like myself who are bound to have been cheated and illegally charged money which Capital One can not explain went to. At the rate Capital One is charging me, whatever it is because according to their own admission the interest has been only {$300.00}, there have been no purchases during this entire period. In a year, this money which is neither interest nor purchases or going toward principle, would be {$6800.00} in a year for a balance of {$9700.00}. This is criminal in its most utmost cruel form. If you can not shut down this company, regulate them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2015 about Credit reporting () with CORELOGIC INC (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A credit report that I recently received indicated that I was in default of payments for what appears to be since the start of 2015. On my end, I made the final payment on the credit card and stopped using the card as the one I had expired. I never received a new card, so did not continue to use the credit card. Upon receiving this credit report, I see that I have been missing payments. Upon calling the company, they have been charging me a XXXX $ " minimum interest fee '', and then a XXXX $ late fee when that was not paid. Again, I was not receiving notifications of any bills or that the card was in any way active. The amount totaled to XXXX $ by the time I received the report, which I paid off immediately. Previous to this incident, I had been making timely payments to this credit card for approximately XXXX years. The company did not do a good job communicating that this was happening with me, and so I had no idea that they were still charging me even though I was not using the card. This has harmed my credit immensely and made it look like I do not make payments on time when this is not the case at all. I have paid the overdue balance and closed the account, and would like my credit score to be repaired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (OR).
Issue: Trouble during payment process

Complaint: My home purchase closed   XXXX   XXXX   XXXX    , with the first payment due   XXXX   XXXX  . My mortgage lender sold the loan to LoanCare , LLC for servicing. My lender tole me I would receive paperwork from  the servicing company a nd not to worry if there were " a little slow '' because I would n't be charged a late payment. Having received nothing by   XXXX   XXXX  , I contacted my lender, who tole me the correct payment amount and emailed me a copy of the notice of assignment. He recommended calling the company to verify the address to send payments. On   XXXX   XXXX  , still having received nothing fro m LoanCare, I called the number on the notice of assignment. The automated answer system a  sked for my account number, so I entered the loan number on the notice of assignment and was informed that was not a valid account number. I was able to continue by entering my SSN instead. I   was treated to an extensive automated run-around that lasted nearly 10 minutes. It finally gave me an option to speak to a live person, and when I punched that number on my phone, the system cut me off. I tried calling back and was cut off much earlier in the run-around. The phone system had informed me of a web address for LoanCare, so I tried th at next. The website also informed me that my loan number was incorrect, and it did not offer an alternative os using my SSB, so I could not proceed. I had no choice but to send my payment to the address on the notice of assignment and hope for the best. I included a somewhat tart letter outlining my significantly negative experience and suggesting the least the company could do would be to inform me of my correct loan/account number. They cashed my check but I have received no communication whatsoever. On   XXXX   XXXX   XXXX    , I again contacted my lender asking where I could file a complaint.

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 06/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A significant discrepancy in remaining tax liability, state accounting incorrect and was disputed over a lengthy time period. Once an agreement was achieved we could move forward. Lein has been released and is required by law to be updated to reflect accurate status.

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 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (IL).
Issue: Managing, opening, or closing account

Complaint: Rushcard : I lost my card on XXXX I was told a replacement card would be sent but could take XXXX business days to receive. On XXXX XXXX marked the 10th business day and I had not receievd the replacement. I attempted to call and with all of the issues occuring due to the system glitch I have yet to get a hold of anyone that could help me with the replacement of my card. At this point XXXX deposits of XXXX each are sitting on the card with inability to use as they told me the card was blocked. I did later not sure how or why was able to use my card via XXXX ( saved on my account ), but because I can not remember the card # and or XXXX digits on the back I 'm only limited to purchases on XXXX. The transfer option is not available ( a friend also has XXXX and was willing to help by giving me the funds after transferring to her ). I was able to addmyself as a payee and submitted a partial payment as a test to see if the payment would come. BUT this was only 2 days ago, and the scheduled time for arrival is 5 business days. We shall see if this option works in any way. Needless to say with {$1000.00} sitting on a card I ca n't acess has put me in a tight spot as my other cards are used for paying bills and in doing so am left scrambling to purchase other things. The service has been nothing but disspppointing, with NO ONE I have spoken to having no access to view my account, so they say, because many others have had the ability to check. There has been no effort to provide me with any updates other than those found on their site and it 's even more dissappointing that they are lying about being back up and running. I expect there be much more offered by the company than waiving of fees for a few months. That 's absolutely ridiculous to think that will resolve any issues they have caused for the thousands affected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/17/2017 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (MA).
Issue: Struggling to pay your loan

Complaint: This company is imposing an apr way over the legal limit The cap is 36 % and they are imposing an over 700 % apr on our loan Making it impossible to get paid gave us a   XXXX   dollar lone witch exceeds that cap Wanted to find out if they were really licensed but i could not obtain the information?
Hoping you could help me out with that info?
If the company is not legal then i want my account closed and their operation investigated This is the first action I 've taken on this please advise Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Prepaid card (Gift or merchant card) with CITIBANK, N.A. (CA).
Issue: Advertising, marketing or disclosures

Complaint: they issued my XXXX cards and as I understood that the cards can be expired but not the fund. so when my cards expired, I requested for cards to be reissued and they refused to do so. I would like CFPB to look into this matter and protect me as a consumer fairly so I can get my funds back. Please contact me if you need any further information.

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 04/21/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested debt validation per Texas Finance Code Section 392.202 which requires a debt collection agencyor credit bureau to provide the alleged debtor with specific information concerning their debt. 

They received by request via certified mail on XXXX and as of today, XXXX, I have not received any response from them. 

According to Texas Finance Code 392.202 ( b ) ( 2 ) the this debt collector had XXXX days to respond to my request and they have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Debt collection (Credit card) with ARS National Services, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had my identity stolen and a bunch of credit cards opened in my name without my knowledge or approval. I have gotten all of them taken off except XXXX with XXXX account # XXXX which also turned into a collection account with a company called ARS National Services. I keep getting phone calls from ARS National Services trying to collect over {$2000.00} from me which is not my debt. Each time I give them my social security number they tell me that 's not correct, when I tell them this was from identity theft they do n't believe me. I have sent all the credit bureaus, ARS National and XXXX copies of police reports, my identification documents, letters stating this was all from identity theft and they need to remove it all from my name immediately ( many letters ). They refuse to delete and keep calling to collect, keep reporting this negatively on my credit report also. This is hurting my credit score, my credit report and my life. I have been fighting this since XXXX 2015. ARS National Services refuses to send me any proof of this debt also when I ask. They say since the social security number does n't match they ca n't send me anything on it but they refuse to take me off the debt that I did not incur. I need your help in getting this resolved and my name removed from this un-related debt and my credit report fixed also. Please help me, I have exhausted all my efforts up until now.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Other

Complaint: I obtained a secured credit card with Citibank XXXX years ago to enhance my credit score. The trade line on my credit report had perfect payment history. My vehicle was stolen along with my wallet in XXXX 2015. All of my credit cards were replaced. The stolen card and replacement cards for Citibank were accurately reporting until XXXX. XXXX credit bureaus have verified that the account was deleted by Citibank " due to fraud ''. I have contacted the bank numerous times to please re-enter the cards because it is adversely affecting my credit score. Several account managers have advised me of ways the company would correct the mistake. I received a letter attesting my account and payment history but it has not been rectified on any of my credit reports. The last person I spoke with on XXXX/XXXX/2015, XXXX XXXX, executive assistant at Citibank, assured me that she would personally call her contacts at each bureau and fix the problem by close of business on the day we spoke. I have left several messages for XXXX XXXX and have not received a return call. My credit report has not been corrected as of this writing. The account is open and current.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Student loan (Federal student loan servicing) with Williams, Rush & Associates, LLC (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I got a federal loan for school, I quit 2 weeks after starting, the school refunded almost the full loan back except for the portion for the 2 weeks which im working with my original provider for payments. I was n't aware that the school itself was charging me for the loans they refunded and they sold the debt to a debt collector called William Russian associates. The very first day I spoke to them they told me they have a pending case against me to garnish my wages and if I want to prevent them from going forward with the case I would have to pay the a down payment of {$1800.00} and monthly payments of {$370.00}, I spoke to them at XXXX and they told me I had until XXXX. the same day to make a payment of atleast {$500.00} towards the down payment or else they were going to take me to court to garnish my wages. I told them I was willing on paying the debt but I could n't afford what they were asking, they never took any type of financial assessment to help put me on a payment arrangement they did n't care that I did n't have the money or that I was willing to pay they only cared about getting the amount of money they asked for by the time they gave me. I feel like that 's really unfair treatment especially since im willing to pay and that was the first time I ever heard about owing that debt and they want to make it so I cant afford my basic living expenses because they do n't want to work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: i was looking up all my credit reports and i got all of the except eqifax it said it was under maintance it did that last time to me to

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Using a debit or ATM card

Complaint: The worst customer service I have ever experienced. Bank of America put a hold on my card without notice and then mailed me a new one. When I called to figure this out, I was hung up on twice and transferred to XXXX different departments. This is sick!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation