milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX/XXXX/XXXX, I purchased a used car from XXXX XXXX XXXX in XXXX, WA using pre-approved financing which I had obtained through CapitalOne Auto Finance  ( I 've uploaded the vehicle sale contract from XXXX XXXX XXXX and the first monthly statement that I received from CapitalOne ). 

Per my contract from XXXX XXXX XXXX : APR : 6.61 % Number of Payments : 72 Amount of Payments : {$300.00} Finance Charge : {$3900.00} Amount Financed : {$18000.00} Total of Payments : {$22000.00} Total Sale Price : {$22000.00} Per my first monthly statement from CapitalOne Auto Finance : Amount Financed : {$18000.00} Interest Accrued this Period : {$78.00} Ending Balance : {$18000.00} What does not seem right to me is the 'Interest Accrued this Period ' charge of {$78.00}, which was not disclosed at the time that I executed the contract with XXXX XXXX XXXX . I called CapitalOne and they said that it was per diem interest accrued from the day that I purchased the vehicle toXX/XX/XXXX While I do understand how per diem interest calculations work ( I work in the mortgage industry ), I do not understand why that interest was not disclosed to me or factored into the final numbers when I purchased the vehicle. 

I was also told by CapitalOne that my first payment is due on XX/XX/XXXX and my last payment is due on XX/XX/XXXX, which is a 73 month term and is not what I agreed to. By my calculations, the 73rd payment would be for {$78.00}, which is the amount of the undisclosed per diem interest that I did not agree to. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: These amounts were emergency room copays and were incorrect due to being admitted which would wave the copay Also I have a charity care application which covered all my unpaid medical bills at hospital Currently I am XXXX under XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company calls a lot .The name of the company is Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other fee

Complaint: I 've had my Best Buy Credit Card for several years, including through several bank switches. Some time in XXXX 2012, I was signed up for debt protection, which I never requested. I never noticed since I typically paid off my debts immediately. However, over the past 2-3 years I have been leaving a balance on my card. When finally deciding to to pay off the entire balance, I noticed I had been getting {$10.00} debt protection fees this entire time. I contacted BestBuy who told me to call this special debt protection number. I called them and they canceled. However, they could provide no details of when I " opted in '' other than a date. I asked for reimbursement. They told me it would take 30 days for a " decision. '' However, they offered to email details of my opt in. 

After 30 days we called to find out the decision and was told that a decision had not been reached, but we should receive something in the mail shortly. We never received a decision and never heard back. It has been 90 days. I received the letter regarding my opt-in and it was only a letter specifying the date, which I was already informed months earlier. We are still unable to get anything done through this debt protection company and credit card arm of BestBuy has no interest in this.

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 12-05-2017 about Debt collection (Other debt) with EOS Holdings, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is a fraudulent account from over two years ago that I took care of this is a past issue

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX XXXX XXXX ALONG WITH XXXX XXXX XXXX AND XXXX ACCOUNTS WHEN APPLIED FOR PULLED 4 REPORTS, XXXX, EXPERIAN, XXXX AND XXXX AND AS A RESULT REPORT TO XXXX TOO.

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 05/18/2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Optimum Outcomes is reporting a medical debt for {$140.00} on my credit from  XXXX   2012.  I have no knowledge of this debt. I have disputed with the credit bureau that I have never received any information regarding validation of this debt from this collection agency. This agency is reporting a debt that I have not been given prior notification on and have not made an effort to validate the debt with me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with JPMORGAN CHASE & CO. (AE).
Issue: Advertising and marketing

Complaint: Chase XXXX credit card falsely advertised that after spending {$1000.00} you would receive XXXX free nights at XXXX and they waived the {$75.00} fee the first year. When I applied on their site they still waived the fee but required you to spend {$2000.00}. After spending over {$2500.00} they assessed the {$75.00} fee and did not waive it. In the literature they sent with the card they just removed the note stating the fee would be waived!

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Sent letters. no response

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 04-12-2017 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been paying on my Peaks student loan since 2010. I felt that from the start I was tricked into getting this loan. I was pulled aside from my class and told my federal student loan was not available so I needed to get involved with peaks. I was XXXX years old then. After realizing the scam that XXXX tech was I struggled to get a good paying job after graduation. With the lawsuit on the way by the SEC I think it 's about time even for myself to take a stand against the fraudulent acts of XXXX. 

I have sent this information for the 3rd time now. I have not received a call back from XXXX or no one else. So here I am sending it again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Payday loan, title loan, or personal loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Loan payment wasn't credited to your account

Complaint: On XXXX XXXX, 2016 I submitted my last payment to One Main Financial in the city of XXXX in person to XXXX and my account was never credited nor did I receive my title. I was never notified of a foul play or robbery by XXXX. I visited my main location located at One Main Financial ( XXXX ) XXXX XXXX XXXX XXXX, CA XXXX and the manager stated that she would personally mail my title to me after she sent the requested documents to her corporation by fax. I never heard from her after numerous follow ups in XXXX and XXXX. I resent the documents in XXXX. I was told that the check I gave to XXXX  representative XXXX was cashed by someone else. I never received a notice that there was foul play or a robbery by the management or carrier. Consumers have to know so that they can protect their assets. XXXX has yet to notify me. The only documents I received was past due letters and collection notices.
The effort was placed on me as the consumer to prove that I presented a check to their company A full investigation should be done immediately for the consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.

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 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid XXXX XXXX and XXXX XXXX to XXXX balance, and all credit reporting agencies are not reporting that I paid these accounts to 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 06-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had an credit card account that went to default XXXX XXXX XXXX in XXXX, and it was charged off and this item was sold to a debt purchaser - XXXX XXXX. 
There is incomplete - inaccurate data on my report - with all Major CRA 's. This information has been disputed at least once, with all XXXX. 

1. Through XXXX - This Account shows " OPEN " and, with missing critical account details, such as its actual status. This item has been communicated as a dispute to all CRA 's. 
2. On XXXX in XXXX - XXXX through current, lack any payment history - " Type '', is not Credit Card its blank. XXXX XXXX is XXXX XXXX, I believe is the original delinquency date, MAKING this account to old to report. 
On Experience printed reports, this account is incomplete and inaccurate. 

There is no Payment StatusTrans Union/XXXX - the Payment history does NOT match the " Last Payment made date '', and the other dates are not consistent. 



Despite my continued disputes - this account has never been updated and remains, and in spite of the FCRA which says that incomplete records, must be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Someone tried to obtain a credit card from XXXX through XXXX.I never applied nor would I.Iwrote a letter to XXXX to send a letter of Deletion to Transunion but after a month was told they were not able to comply because they use XXXX XXXX XXXX to do credit checks and the bank is responsible for all credit from XXXX. I contacted the bank and they said it was not their responsibility to resolve XXXX disputes.Transunion was very hard to reach and said they could not help me without The Letter of Deletion from XXXX The date I was first aware of the fraud was XXXX XXXX,2017.

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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Basically I called the credit company, and they gave me the run around, about what actions and processes had to be done. Did not help whatsoever, made it sound like they were reading the response from a script. Was not satisfied and did not get my problem resolved.

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 08-03-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is still reporting as open accounts XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Bankruptcy was discharged XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I opened my mortgage with BOA on XX/XX/XXXX ... the account was transferred to XXXX XXXX and closed with BOA on XX/XX/XXXX. The closed account for BOA is still reporting negative on XXXX and XXXX. My last report was pulled XX/XX/XXXX in which this action is still reporting. I spoke to several representatives with BOA Mortgage back in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed this on my credit report through XXXX XXXX in XX/XX/XXXX. When XXXX XXXX  assumed the loan, it reports from the beginning of the opened loan original date. BOA is reporting as negative from the dates in which XXXX acquired the account. XXXX XXXX has stated this information has to be resolved by BOA. They acquired the loan and the information and reports from history.

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 08-11-2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was informed by some loan processors that I had an XXXX XXXX account that had an outstanding balance of {$9100.00} on my Equifax file. In XXXX I filed a complaint with the XXXX XXXX ( # XXXX ) listing Equifax failure to update my balance for this account to reflect the proper amount as provided via documents sent to Equifax. In my complaint I informed the XXXX that XXXX had deleted the item from my file. XXXX XXXX of Equifax informed XXXX that my Equifax account reflected the account as Zero as opposed to deleting the item. Equifax showed that I had a score of XXXX as of XXXX, 2016. 
The XXXX account in currently on Equifax file but not XXXX or XXXX and has been reinstated as me having a balance of {$9100.00} again. This done more than likely on purpose and under the direction of XXXX XXXX due to my XXXX complaint. Since then I also received a letter from XXXX advising my account reflects or should reflect Zero and that it has been reported as such to the credit reporting agencies. XXXX XXXX Contact is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other

Complaint: On XXXX XXXX, 2015, I purchased a vacuum from XXXX and paid for it using XXXX on my credit card. I used my Capital One Visa card. The amount was for {$960.00}. I received the vacuum in XX/XX/XXXX. However it did not work. I tried to return it by emailing the merchant, XXXX XXXX, XXXXXXXXXXXX. The merchant would not allow me to return it. Then, I contacted XXXX, they said I must deal with the merchant and it would be her decision. I then, filed a dispute with Capital One Bank. On my XX/XX/XXXX statement I was re-billed {$970.00}. An amount that was higher than the original purchase. I called Capital One Bank to ask them how to resolve the problem. They told me that a letter was sent on XX/XX/XXXX stating I would need evidence supporting the vacuum does not work and also a letter from another company who sells vacuums, stating 1. what the merchant who who sold me the vacuum did incorrectly, 2. how the problem can be corrected and 3. the cost to correct it. 
My problem is that I can not find another company who sells vacuums that will give me this type of letter they are requesting, especially if I did not purchase from them. I also do n't know how to give evidence that the vacuum does not work, another requirement from Capital One Bank. 
I feel these requests that Capital One Bank are impossible to obtain and completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Payday loan debt) with Jonathan C. Frank & Associates, LLC (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I am not positive on when my account was given to this company because I never received a verification of debt. They set me up on a payment plan in the amount of {$59.00} each month. I received a call from XXXX ( XXXX XXXX XXXX On XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that I have on file from XXXX XXXX Stating that my payment scheduled with them did not go through and it was a courtesy call. It stated in the message that if I did not get back to them by XXXX that my payment agreement with them would be forfeited and would then go back to the attorneys desk to go to the courts. I have also received many text message from the office stating A pending claim has been forwarded to our Law office in regards to your delinquent account. Please contact our office immediately to speak with a non-attorney representative at XXXX your account number is XXXX. Thank you I started to find this odd and even though I had been paying on the account I then asked if they could send a verification of debt which they insisted they would do it by email. After a few calls to them which unfortunately I do not have the dates for this they stated that they had emailed it and they verified my email was right but I still never got anything. When I asked from them to mail me it they said I need to contact the original creditor and they are not sure why I am asking now since I have been paying on the account so they would not mail it to me. Since they wont send this to me I have not felt comfortable making payments but they keep threatening court action on me stating I am glad you called because we are about ready to send you to our attorney. I also let them know I can not afford {$59.00} a month but then they will deny my payment because they only accept a minimum of {$59.00} a month.

Company response to consumer: Untimely response
Consumer complaint received 01-02-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: Account : XXXXXXXXXXXX Sent some Litecoin ( symbol LTC ) to XXXX. 

It was received by Coinbase. I got an email : " Valued XXXX client, Your Litecoin deposit of XXXX LTC (  worth {$13000.00} USD ) completed successfully but was not moved from your Coinbase account to XXXX. 

Please view your account to double check your deposit and manually move your funds to XXXX. 

- The XXXX Team " Went to Coinbase acct - no Litecoin. Says it was transferred to XXXX. 

Go to XXXX account - the LTC is not there. When you go to Account / LTC Account / Transfers - it shows up as " Pending ''. 

And that 's it. For 6 days already. 

Tickets submitted. Case # s : XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit card () with DISCOVER BANK (MO).
Issue: Other fee

Complaint: Discover claims that I signed up for " payment protection '' XX/XX/2011. I do not recall signing up for this service. By my math, since XX/XX/2011 I have been charged {$450.00} in fees for a service I did not enroll in. I called Discover and was told that I could only be reimbursed for the past six billing cycles. I would like to reimbursed for these charges in full.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: None of your options were for me and i had to choose something in order for me to continue the complaint. 

i live in Texas and was filing a lawsuit against Transunion. I contacted the Secretary of State for Texas to get the information for their Agent of Process for Texas. Transunion provided Texas a company name of : XXXX XXXX at XXXX XXXX XXXX, XXXX TX. 
upon a google search there is NO building with that address. it does NOT exist. Transunion provided FALSE information to the State of Texas thus preventing consumers from filing a lawsuit against them having no local agent of process which the courts need. 
i have no documents to submit, but you can do a simple goggle search on the address and contact the Secretary of the state of Texas ( corporations division ) to authenticate the information i have provided.

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