milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I recently appplied for a loan  with Credit Acceptance i n  XXXX . In  XXXX  I was admitted into he hospital for 2 months and fell behind on my payments. Consequently, I the collection calls started coming in.     I recieved a call fr om Credit Acceptance in  the month of  XXXX  and was told that a full payment of {$280.00} was due today to avoid repossession. Once payment was made over the phone, the associate would then contact the towing company and tell them to cancel the repossession process. The payment was made and the account was settled I called again in  XXXX  to make arrangements w ith Credit Acceptance so that I could build a rapport with them. I al so inquired with the associate what their policy and time frames were on repossessing vehicles and told about the situation that happened in  XXXX . She informed that the associate had no right telling me that my car is was about to get repossed without an immediate payment and she then apologized on behalf of the company. Naturally I felt confused and lost peace of mind with  Credit Acceptance.      It is now  XXXX  and I fulfilled my arrangement of {$100.00} to keep the account satisfied. They called again today  XXXX / XXXX /   2017 a nd I spoke with an associate to make further arrangements. I told what I could afford and when the payment would be made. She did n't accept my offer and when I tried to explain to her my hardship situation she not only interrupted me several times but was condescending and threatening. She then further threatened to notate my account and said I was being " uncooperative ''.     I understand th at Credit Acceptance h as a job to do it collecting payments. But I do not have any peace of mind with this company. They are very aggressive with their collection calls and ask me inappropriates questions like " in order to make payments can you ask your parents for help? Or can you ask your relatives for help? '' These questions make me feel uncomfortable.     I also need them to give me a clear understanding of what their policy is on repossessing vehicles. I was told that as long as I make arrangements with them I can avoid that consequence but each time I speak with this bank I get different answers. As a result I wake up every day  XXXX  wondering if my car will be gone or not.

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 08/17/2017 about Student loan (Federal student loan servicing) with ACS Education Services (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: ACS/XXXX XXXX XXXX XXXX This is a education loan which was consolidated. It states on my credit reports it was paid but past due 90 days. I was never past due on this loan. I have four loans with ACS all of which were consolidated at the same time and this is the only one reporting inaccurate information. I started an investigation with ACS and they have not remedied the problem. This late reporting is inaccurate and I would like this corrected on my credit reporting and reported accurately with no late payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (AL).
Issue: Fraud or scam

Complaint: This is the 3rd instance where I 'm sending an international money transfer with Western Union and there is a screen asking for bank username and password. I have notified Western Union and they reported that there is no such request from their website and have not been willing to follow up with this and resolve it. My bank account was just compromised and this is the only website that had access due to this screen built in. I took a screenshot this time to prove it. The company should be fined or shut down for encouraging data theft and not investigating it properly.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have had continuing problems with this ( " Servicer '' ), this time I was told to submit the same documents over again with everything being within the last 90 days. Ok, now this was to be done ( " No Later Than " ) XXXX/XXXX/XXXX, when I went online and realized they had n't received my fax from my neighbors house on XXXX/XXXX/XXXX, I rushed to email again, to make sure they had everything needed, and have email receipts I 've saved copies of now too. Well all their paperwork states that as long as they have the " request '' - " No Later Than '' XXXX/XXXX/XXXX, they will not move toward a foreclosure sale, but yet did anyway. When questioned about it, the person assigned to my case said their attorney must have accidentally done that and apologized, but yet only put a week extension on sale instead of postponing till they have my XXXX piece of paper, that all this time failed to make me understand what they were looking for- had to be ( mailed ) to me from I.R.S. , then faxed or emailed to them. I would like them to honor what XXXX XXXX XXXX said my trial payments would be when modification went through, cause that is exactly the help we needed, they dropped the ball, cashed in again, and changed to an affiliate servicer ( out of state ) ( which makes it really hard ) .I also called XXXX XXXX XXXX XXXX the little known truth about " We The People '' have the right to pay " Ourselves '' back at 0 % interest, and they said " Yes Sir '' " We will honor that Sir '', and count the XXXX dollars we have already paid down on the debt, especially being an attorney pointed out that XX/XX/XXXX, the insurance was cashed in, and the actual " Debt '' was paid off, and they are trying to collect twice on " The Debt '', all they said was " What do you want us to do Sir ''. Well we do still owe XXXX dollars on loan, XXXX XXXX XXXX mysteriously within a week or so sent me paperwork with {$61000.00} and the " Modification would be based on paying " That '' off. Now whats really going on? Excuse me????? I want the help they said it would be XX/XX/XXXX Now Please, Thank You. No more excuses with supposed XXXX XXXX, sent XXXX different ways and times, including " XXXX '', They have had what is needed and they are " Non-Compliant ''. Also, they continually ask for the same XXXX form? Why?????

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 02/16/2017 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX XXXX. In XXXX, Oklahoma I have never see this address and never loved at that address. Why is this on my credit report is somebody using my name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Convenience checks

Complaint: I used XXXX Chase Ink convenient checks for {$2000.00} each ( {$4000.00} ) to pay off other credit cards balances. They suggested this in a promotion that Chase Ink sent me. It had a upfront fee of {$40.00} for each check ( {$80.00} ). 

Starting XXXX I sent in checks to pay off this promotional {$4000.00} plus they were taking out auto payments on top of me sending in the extra money to pay off the promotional {$4000.00}. 

I wanted the extra checks I sent in to go to the Promotional {$4000.00} and the auto payments to go to my card regular balance. 

The total of checks i sent since XXXX for the promotional 0 % interest was {$2300.00}. 

As of today XXXX they say I still have a promotional balance of {$3400.00} after I sent them {$2300.00} in checks. 

Also remember I had auto payments being paid to my regular balance on this Chase Ink card. As of XXXX I paid auto payments of {$1900.00}. 

Chase Ink says they can not apply the extra checks I sent to the promotional balance, the {$2300.00}, because of rules and regulations. what are these?? 

My concern is that, they charged me a fee up front to use the checks, {$80.00}. Now they are NOT letting me pay off the balance of these checks because of rules and regulations?? 

AND to top it off ... in XXXX they start charging me interest on the {$4000.00} that they will not let me pay it off the way I want to pay it off. 

So to sum it up ... they charge me a fee to use the checks, {$80.00} and Chase Ink WO N'T let me pay off the promotional 0 % and in XXXX I start paying interest on a balance they wo n't let me pay off. 

In the end I will have paid a fee and then interest on top of that fee. That is NOT a promotional XXXX % interest offer!

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (RI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted on XX/XX/XXXX while I was overseas by a collection agency XXXX XXXX represented by XXXX XXXX : XXXX about a claim number XXXX turned out ABC financial XXXX runs the billing for Best Fitness gym in XXXX NY XXXX sold them a debt of XXXX $ that I supposedly owe them. 
She refused to give me the option to challenge the debt or to send me anything in written that would explain this exuberant debt. The monthly fee is XXXX $ and I stopped paying them since XX/XX/XXXX. Here is why : on XX/XX/XXXX I signed a XXXX yr contract with the gym. On XX/XX/XXXX, I called to cancel as I have n't used the gym since XX/XX/XXXX XX/XX/XXXX or so and I lived in New York XXXX. They sent me an email with the address to which I should send a copy of a bill to prove that I moved ( XX/XX/XXXX, XXXX ) .I mailed them the same week that bill to the address provided to me in the email of XXXX XXXX unfortunately I have no proof of that mail no more ). In XX/XX/XXXX I noticed on my credit card statement that I am still being billed by the XXXX company. I called to tell them my subscription should have been cancelled since XX/XX/XXXX. They denied receiving anything and said that XXXX XXXX to whom I had talked to in XX/XX/XXXX was no longer an employee and they are not responsible for any correspondance between the XXXX of us and insisted on making me pay all the charges. I mailed them again another bill with certified letter this time of my new address XXXX XXXX XXXX and asked the credit card company to stop payments and to revert payments made after XX/XX/XXXX XXXX considering they should have stopped payment at that time, XX/XX/XXXX XXXX mo ). XXXX, in the event that I actually do owe them sthg still, it is definitly not XXXX $ which is more than 2 years of membership all together. I thought of contacting ABC financial but then I read about the scams of the collection agency and that even people who settled with the original company ended up by getting more phone calls and hassles. Can you please help me fix this issue once and for all? The only option XXXX fund gave me was to either pay the whole sum or get reported to the credit bureau on the spot!! and by the way XXXX is rude and practically accused me of lying to her as I complained I could n't hear her well while using a roaming service and when i asked her if there isn t a way to challenge this debt in some court or negotiate it and for her to send me something by writing, she goes : no, and if you do good luck, they re very good at getting every penny from anyone they want!!!! 
I am reaching out to you because I feel any further discussion with this company is not going to be in my favor as I have found lot of ripoff reports and complains of people who were in my situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 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: Information belongs to someone else

Complaint: I had two credit cards with XXXX XXXX XXXXXXXX, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was the person who filed bankruptcy. I have brought this matter to XXXX XXXX XXXX in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that XXXX XXXX XXXX reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the XXXX XXXX XXXX accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Credit card) with CITIBANK, N.A. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a subpoena from a collection agency threatening to sue me on a time barred debt from 2004.This company has tried several times to garnish my wages but have been unsuccessful due to I only work 1-2 days a week and now they are taking me to court and asking for record of employment, checking/saving accounts, deed to property, titles to vehicles and copies of tax returns for the past 3 years which I do n't understand the need for because I thought it is against the law to try and sue or threaten to sue someone on a time barred debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In summer of 2011, I canceled an XXXX cell phone account because I had zero coverage in the community I was living in. On several occasions, I contacted XXXX using friends ' phones to troubleshoot the issues. Each time, no fix solution could be found. XXXX placed many test calls to my number while I was home and all calls went directly to voicemail as my phone never rang. I paid the final bill and requested the account closed due to no home coverage which was fully verified. Years later, I 'm finding out I 'm in collections. Every month of every year, Afni , Inc keeps renewing the collection account on my credit reports. I contacted them before for the validity of the debt but my attempts were always unsuccessful for they would never respond or comply.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Medical) with Meade & Associates, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had an emergency and went to the ER at XXXX XXXX XXXX Hospital I was there for a XXXX hour Paid all the doctors etc that I got bills from.. around XXXX different ones. Only seen XXXX ... Got a bill for over {$2600.00} Plus XXXX in doctor bills ..Started paying {$50.00} dollars a month and requested a Itemized bill. Did not get XXXX ... waited 2 weeks ..requested another ..did not get XXXX ... waited 2 weeks and called and spoke to the hospital told them I needed a Itemized bill. Was told I could not get XXXX due to a new Computer system and that they would send XXXX out asap. continued to pay {$50.00} a month.. Waited XXXX more months and continued to pay the {$50.00} dollars. I stopped receiving bills from the XXXX so I called and asked Why..Again the answer was the computer system was new and not to worry about it and that they would contact me when everything was back to normal ... .Then I receive a letter from Meades & Associated saying I was in collections. They demanded full payment ... I told them what happened and I got will send you a Itemized statement ... but you need to pay Immediately XXXX dollars now .. I refused .. and stop Paying ... I tried to reason with them .... again never got an Itemized bill of what I supposedly owed. From my understanding that They can not bill me without an Itemized bill.. Also I was paying monthly and it should have never went to collections in the first place ... Would you pay if you did not know what you were paying for? They broke the FCRA and should have to remove this collection Immediately. They want to send me an Itemized bill now? No it should have not went to collections.. I paid what I could.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/19/2017 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Hi Chase is harassing me for a payment that I made. But they refuse to look at the proof and keep at it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Approximately XXXX I have been a victim of fraud and ID theft. Someone open various accounts, request credit and made credit inquiries on my name, illegally, fraudulently and without my authorization and knowledge. On XXXX I put a credit alert and I report it to XXXX XXXX Police with the incident number XXXX. Then I made and Identity theft victim 's complaint FTC # XXXX and affidavit and I made a report and informed it with the XXXX credit bureaus ( including Equifax ). Equifax did not correct the following information : inquiries made fraudulently : XXXX made in XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX ( the XXXX XXXX ) XXXX XXXX XXXX XXXX I call Equifax to correct and delete from my credit the above inquiries and they told me that I must call and notify those companies that the mentioned inquiries were fraud. I called each company and answered all mail for them. I have evidence, for example : a letter from XXXX XXXX saying that they close the account because they determined was a fraud and I have to allow 45 days to the consumer reporting agencies to update their record. Equifax did not update my credit record and constantly put the XXXX fraudulent inquiries in my file. I call them and by internet notified them that those inquiries were fraud. I have all disputes confirmations # as and effort to correct my credit information : Confirmation # and dates XXXX made in XXXX bay phone ; XXXX made in XXXX ; XXXX made in XXXX ; XXXX made in XXXX and all with the following note : '' The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor '' I did call each creditor and also send the Police report to Equifax and Equifax did not update my credit information by deleting fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 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 feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently paid off and some were consolidated, but the negative accounts that have been reported are hurting my scores.

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 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: OnXX/XX/XXXX, I called capital One/XXXX XXXX GM card, and asked for assistance because I am a victim of hurricane Irma. I spoke to two supervisors, and the last one told me that I would get a credit of {$200.00} on my account to help out with food, gas, water, etc. She said the credit would appear on my account within 24 to 48 hours. 48 hours later, I called capital one again since the credit had not appeared and I was told that they were " doing a system upgrade '' and that the credit would appear shortly. XX/XX/XXXX, still no credit, so I call again and I am now told that the credit will be on my account on XX/XX/XXXX.XX/XX/XXXX comes and still no credit. I call capital one again, and the manager I talk to this time was very unsupportive, unsympathetic, and clearly unbothered. I told her that I was told that I would get a {$200.00} credit for hurricane irma, and she says that is not true, " we do n't give credits up to {$200.00} for anything and if the agent you talked to told you that, they should 've given you the credit immediately, we have steps to take for things like this and you have to apply for a credit increase '' after some unnecessary back and forth. She puts me on hold and comes back and says she has pulled the call and she sees the notes where the previous supervisor said I would get a {$200.00} credit but she has to forward the call to the corporate offices and let them listen to it which will take 7 to 10 business days. So not only does capital one not believe its customers, it does n't believe its own employees. XXXX XXXX, in the middle of writing this report, I get a call from the same manager, who sounds much nicer now. She says she has spoken with her supervisor ( which was something she could n't 10 minutes earlier the first time we spoke ) and granted me {$150.00} credit. I do not appreciate the way this company jerked me around and lied to me, it 's bad enough I am dealing with the aftermath of a category 4 hurricane, and after recieveing emails from capital one, saying " we are here for the victims of hurricane Irma '' capital One has proved to be unreliable, dishonest, and unaccountable.

Company response to consumer: Closed with explanation