milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2018 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I purchased a used XXXX XXXX XXXX paid off on XX/2017and I never received the title of the car. EXETER FINANCE claimed that the car title was sent to a secondary address, which never was received. I Called and requested the car title to be sent to my primary address and I never received, either. EXETER FINANCE explained that was sent several weeks ago, before the holiday season started. But, I am still waiting for the car title.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: For the last 5 years Syndicated Office Systems and Central Financial Control has been putting duplicate debts on my credit report. I have attempted to dispute but was given the run around. These two companies have a total of {$19000.00} on my credit reports when they have only verified XXXX account for {$2300.00}. I have paid a few grand about {$3000.00} over the last few years only for them to never update my report or lessen the amounts. I am aware of a lawsuit against them and want these removed. They have ruined my life making credit hard to obtain because of the false information they have reported. I have attached my credit report that shows the same amounts being reported by the same company under differnt names. This has been a nightmare and they have been absolutely no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit card () with Northstar Location Services, LLC (CA).
Issue: Delinquent account

Complaint: I have been contacted by XXXX LLC via letter. They are requesting payment for a 2007 XXXX XXXX credit card. The debt was sold from XXXX Bank to " XXXX XXXX XXXX ''. his debt has since passed the statue of limitations.

Company response to consumer: Closed
Consumer complaint received 09-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Amshire Collections is attempting to collect a fabricated amount even though I have made due effort to make them aware of that. In XXXX 2012 I contacted XXXX XXXX to cancel my account because I thought their services were outrageously overpriced. The account representative said she would apply a " loyalty '' credit to my account, thus locking me in a XXXX month contract without consent. Upon canceling my account I was notified that I would need to pay a {$170.00} contract termination fee for a contract that I never entered. Amshire Collections has failed to provide me with any proof that XXXX XXXX had any sort of a contract with me to validate this fee or an itemized statement breaking down the charges that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On all  XXXX  credit agency reports, it is listed that I filed Chapter  XXXX  bankruptcy on  XXXX -2013. I have filed a dispute with all  XXXX  agencies several times and they have come back with the decision that the information is accurate.   XXXX  It is NOT accurate as I filed a Chapter  XXXX  bankruptcy on that date and NOT a Chapter  XXXX . If they truly did investigated the dispute, they would have found this information was inaccurate and should have been removed from my credit reports.   XXXX  However, I do not believe that it was investigated, and this is fradulent activity on the credit reporting agencies part.   XXXX  I would like this bankruptcy information on that date removed immediately.   I have the paperwork of what type of bankruptcy was filed and am able to provide that to prove that this is inaccurate and should be removed from my credit report.   XXXX  Thank you

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 10/26/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I keep disputing a supposed collection account on my credit report from ( XX/XX/2006 - XXXX ). I have disputed this account with Experian multiple times and they keep updating it as a collection that I recently paid off. I even went so far as to call that company ( XXXX ) and get a letter of perfect account history and a letter asking them to remove the incorrect item. I sent Experian certified letters regarding this matter and they will not delete it from my credit report. " Hypothetically speaking '' if I had a collection account from 2006 ( i did not ) " and that was 10 years ago anyway '' I requested a credit report and dispute from them multiple times but it is still not removed. How do I file a complaint or sue them for defamation and stress? Who can i complain to, where will i be able to file suit in court against them? My Experian credit report number is 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 07-01-2017 about Debt collection (Other debt) with NCC Business Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do n't have a contract with this company and the joint person that they are advising is on the account is deceased and has been deceased for 4 years now. I am not responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Prepaid card (Gift or merchant card) with PAYPAL HOLDINGS INC. (CA).
Issue: Managing, opening, or closing account

Complaint: Paypal recently limited my account. I still have {$320.00} in eBay gift cards which can only be used with a paypal account. Now as the account is closed those cards have become worthless and I feel cheated out of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Customer service / Customer relations

Complaint: I am currently in the process of refinancing my home. To improve my credit score, I paid off a number of outstanding credit card balances including one for American Express. When my mortgagor requested for me to obtain a XXXX balance letter from AMEX, I thought this would be easy to resolve. I contacted AMEX on XXXX/XXXX/2016, made my request and they stated it would be faxed in 48-72 hours. No problem. By Monday, XXXX/XXXX/2016 at XXXX, the letter had not been received. I called back and made the request again. I spoke with XXXX in the XXXX balance area. She and her supervisor prioritized my request ( I thought ) and she stated the letter would be faxed within the hour. 
As of XXXX on XXXX/XXXX/2016, the letter had still not been received. I called back ... again ... this time I am informed that my account has a bal- ance of {$11.00}. I resolve this balance and am then told I have to wait another 24-48 hrs!!!!! Explain to me why I have to continue to wait when my requests could have been and should have been honored anytime between XX/XX/XXXX to XX/XX/XXXX?? Especially since I had closed my account as well ... it 's not like I could make any additional purchases!!!! 
This was poor client service ... and I work in client service. I was very disappointed that AMEX could not have reached out to me if they could not honor the request after they had guaranteed it. As a person that works in customer service, I am not impressed by AMEX ' customer service. I am thankful for the fact that I did close this account and do not have to deal with their lack of service further. Now let 's see how long it actually takes to obtain the zero balance letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Your company failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The LMP was submitted to the lender on    XXXX / XXXX /  XXXX   - the lender has been requesting additional docs since the submission of the LMP - a missing items letter has never been sent or received- on  XXXX   XXXX ,   XXXX   we were advised the file showed all docs and it was being escalated for review - on  XXXX   XXXX ,   XXXX   the lender informed us when  XXXX  called that their was something else that was needed for the review - the requested hardship affidavit was submitted the same day - the sale date is still set on this file for  XXXX / XXXX /  XXXX   which should be placed on hold for this review

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (Medical) with ALLY FINANCIAL INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i have paid this bill and i ask 4 it to be remove i was told it would take place win i pay but it is still on my 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 11/17/2015 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (IL).
Issue: Managing the loan or lease

Complaint: XX/XX/XXXX my husband and I took an auto loan from Regional Acceptance Corp for a XXXX Ford Escape. In XX/XX/XXXX the vehicle was totaled in a car accident that was not my fault. At this time we were still making our monthly payments of {$370.00}. Our insurance company, XXXX, required a payoff amount from them and XX/XX/XXXX sent a check to them for {$6600.00} to pay off the vehicle. We are now buying a house and found out that they have been reporting us late to the credit bureau every month since then stating that we still owe them {$3700.00}. I have been calling them to discuss this 4 times a day everyday for the past week. I can not get anyone to answer the phone and I have left over XXXX messages and have not received a call back at all! This false debt is the only thing standing in the way of my husband and I being approved for an FHA mortgage to buy our home. I do n't know what to do now. I have had nothing but problems with them since we acquired our loan XX/XX/XXXX and I have read nothing but negative reviews about them concerning all of the same problems as we are having!!! Please help!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX   )  for {$230.00} was disputed and removed off my  XXXX  credit report on  XXXX / XXXX /   2017  however the credits bureaus has not removed the collection off my report like it 's suppose to be

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 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (AR).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: My credit card with XXXX federal stop me from making payment for return payments. I was a victim of fraud. XXXX was investigated I was unaware they stop all electronic transfers from my account ending in XXXX.my other account were fine. On XX/XX/XXXX - {$200.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$490.00} these were returned. But payment on XX/XX/XXXX {$340.00} was successful I contacted XXXX federal and conference call was made to verify funds. 
I made payment from my checking in account ending in XXXX. No payment was ever return from this account. Dates clear my bank for payment are XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX$ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX. $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX{$220.00}. I was ever a new account number for the account the was compromised ending in XXXX. I made a payment of {$200.00} that cleared my bank on XX/XX/XXXX. I made this payment to cover the XX/XX/XXXX payment that did n't go through. I only had 3 payment that have n't clear but due to issues not in my control. Now I have no other way to make payments. I 'm being penalize I had 11 good successive transfer to this credit card versus the 3 returned and 1 of those I made the next day to cover it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I contacted  XXXX   XXXX  on  XXXX / XXXX /  XXXX   regarding a APR decrease since my APR was at 27.34 %. I was told after speaking to numerous agents and finally requesting and was allowed to speak to a supervisor. The supervisor stated there were numerous accounts like mine that  XXXX   XXXX  had bought out and these accounts never qualify for a rate reduction. I explained that I 've had this account for 12 years and found it odd that there were no rate reduction. At that time it was explained to me that  XXXX   XXXX  never notifies cardholders they 're entitled to a rate reduction and that I would have to continually call in and request one. I stated that appeared to border on fraud and that they 're attempting to hide this from customers. I was told they would escalate my issue and I would receive a call back. I was then offered a {$50.00} credit to help with the interest rate. I never received a call back and contacted  XXXX   XXXX  again on  XXXX / XXXX /  XXXX   regarding this same issue. I was connected to  XXXX ,  XXXX , in VA after speaking to another representative.  XXXX  informed me that after reviewing my account I would not qualify for a rate decrease. I expressed my displeasure with this outcome and had her review my account for any offers of a rate decrease. In 5 years that the account has been owned by  XXXX   XXXX  there was no indication I ever qualified for a rate decrease and in the 7 years prior to that it was the same answer. I asked was this due to my payment history are balances and was told neither were an issue. I indicated that I was aware that none of the accounts that  XXXX   XXXX  buys qualify for rate decrease and this was a more systemic issue that appears to border on fraud. I asked exactly how many accounts did  XXXX   XXXX  own in my predicament,  XXXX  refused to answer the question. I informed her that I would be turning this issue over to the CFPB for review and I requested to close my account. I also reminded her that I  had 2 other accounts with Cap One that had no where near the APR on this card. The account was subsequently closed, however I would not have closed it if my APR had been reduced. Also I believe Cap One engages i n systematic fraud by where they charge exorbitant APRs then place the owness on the customer to figure out if they qualify for a lower APR. How would the customer know that on their own when  Cap One  holds all the cards in this arena and should have a duty to notify their customers if they qualify for this benefit. They know how to notify a customer of a late payment, so why ca n't they notify them if they qualify for a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I do not agree that the amount i applied for plus interest is the same amount that Navient had when I revieved my first statement. Im off in my calculations and they refuse to explore or admit that I was charged too much. Horrible customer service, I am exploring consolidation through education department and picking another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with U.S. BANCORP (CA).
Issue: Rewards

Complaint: False advertising to get consumers to sign up for credit card. 
The Fidelity Visa card advertises that it gives you XXXX points for every dollar you spend and that you can claim it as gift card, statement credit, etc. However, if you want to actually use it as a statement credit, you wo n't get XXXX points for every dollar spent. I have the documentation if required.

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 03/17/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Settlement process and costs

Complaint: RE : Complaint Number : XXXX To Whom This May Concern, This letter is a follow up to the above mentioned complaint, which the file may have since been closed. Your correspondence dated XX/XX/XXXX, contacted me regarding notification of the CFPB to US Bancorp due to my complaint to XXXX XXXX XXXX 's office. I did receive a letter dated XX/XX/XXXX from US Bancorp explaining the lengthy process. Within the letter, I was " assured that the remainder of the process would be expedited for a quick resolution. '' I also received a Short Sale Contract Approval letter dated XX/XX/XXXX. The buyer ( XXXX XXXX ), signed a Residential Sale Contract on or about XX/XX/XXXX. By the date of the Approval, she was unable to wait, an agreement to release was signed and she bought another property. 

The agent, XXXX XXXX, contacted US Bancorp and my application was closed. The short sale process started for a third time with my new agent XXXX XXXX, the property was quickly marketed and XXXX XXXX, is the buyer. The attorneys for US Bancorp put the property up for a foreclosure sale requesting me to pay the full and original price, in the midst of us await for the third renewed application process. 

US Bancorp reviewed the information and cancelled the foreclosure sale. The file was reopened, reassigned to a processor and there were no additional documents needed as of email from XXXX XXXX dated XX/XX/XXXX. As my agent, the buyer and I were assure of a " quick resolution, '' a Sale dated was scheduled for XX/XX/XXXX. The date has not only passed but the file, according to XXXX XXXX is still with the processor. The unnecessary delays cause documents to become dated and then the file is " concerned '' to having missed documents that need updates. 

I am hoping that the CFPB will review the above, contact US Bancorp and finally bring this matter to the promised " quick resolution, '' before the buyer is forced to withdraw. Thank you for your attention, I look forward to hearing from your. 

XXXX 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 explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Since XX/XX/XXXX I have submitted disputes to the credit bureaus and spoke with company directly about incorrect information on my credit file showing my loan defaulted by 90 days yet my account was in inschool deferment. Fedloan had removed the 90 late then it was reinserted back on my file only to show now it 90 days late only in XX/XX/XXXX but in good standing in XX/XX/XXXX, XX/XX/XXXX and moths leading up to now. In the comments it states account resolved by grantor yet it is not and the bureaus have not done a proper investigation after numerous ongoing disputes

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I mailed Equifax notice over a year ago to take these accounts out of dispute, that I agree with their investigation. They have not and I can not get a home loan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX continues to send fraudulent debt charges to a new debt collector. I severed my service after working with their c/s to improve service outages, dropped calls and roaming when I was local. I worked with them by using new phones and repeater antenna. None of their failed solutions were successful so I was released by them from my service. I was not under contract any longer. I returned all phones, and paid my last bill. They are charging me for returned phones and service long after I had ported my phone numbers. I have contacted them, and each of the debt collectors by phone and in writing. They continue to harass and lie about the charges.

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 05-11-2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: XXXX   XXXX  PURCHASED THIS FRAUDULENT LOAN DEBT, AND IS TRYING TO COLLECT AND POSTED UNVERIFIED DEBT ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation