milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2017 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Managing the loan or lease

Complaint: I leased a car from Kia in XXXX XXXX. I made the final lease payment, and payoff payment in XXXX XXXX per the contract. I sent a check and an Odometer Statement that they asked me to download from their website. They cashed the check in a few days, but the title never came. I called and first they claimed they never received the check. I offered to send proof they cashed it. They changed their story to claiming they did n't receive the Odometer Statement even though it was in the same envelope. I faxed a new one per their request. A couple of weeks later they changed their story to me owing them {$13.00}. I offered to pay that amount. The rep put me on hold, then came back and said no money was due and the problem was that they still did n't have the Odometer Statement. I faxed the Odometer Statement two more times per their request. I called back after a couple of days and the rep told me that there was a balance due. I asked how much and she put me on hold. She came back and said there was no money due, but she did n't know why the title was never sent to me. After being transferred a few times I finally got disconnected. Every time I call they have a different reason as to something I did n't send them. I filed a BBB complaint and I got a call from a Kia rep who said her department handles consumer complaints. I explained again what all happened. She said the only thing she can do is give me the phone number to the Kia department that handles titles. But she said she could not do anything about getting the title sent to me. The only thing she can do is give me a phone number ( same I already have been calling ) in case I was calling the wrong department. Still no title

Company response to consumer: Closed
Consumer complaint received 02-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am currently on an income-driven repayment plan in which I have to re-certify annually. I submitted my certification documentation on XX/XX/XXXX. Since that date, I still have yet to receive a change in repayment plan. On XX/XX/XXXX, I contacted Fed Loan Servicing requesting a status update on my request and received a response on XX/XX/XXXX, stating that I would need to make a payment in the Standard repayment plan to proceed with the request to change my income-driven repayment plan. I paid the minimum due of {$360.00} on XX/XX/XXXX. It was communicated to me on XX/XX/XXXX, that my documentation had missing information-how often my husband and I are paid. I responded with the requested information on XX/XX/XXXX, and was under the impression that my request would be processed. I followed-up via e-mail with Fed Loan Servicing on XX/XX/XXXX, asking for a status update. I received a response the same day that I had satisfied the one-time payment and that I would be contacted once the review was completed. On XX/XX/XXXX, I still had not received any notification so I, again, e-mailed Fed Loan Servicing requesting a status update. I was informed by " XXXX '' that the payment that I made XX/XX/XXXX did not qualify and that the opt-out procedure had not yet been submitted. Please remember that I did not submit my request until XX/XX/XXXX, to begin the process so I 'm still unsure where the information about my XX/XX/XXXX payment came from and XX/XX/XXXX, they were supposed to submit the opt-out procedure. At that time on XX/XX/XXXX, I contacted Fed Loan Servicing by phone. The representative apologized and stated that there was a mistake on their end. He contacted his supervisor and they escalated the request. I received documentation from them on XX/XX/XXXX and XX/XX/XXXX, which the rep. stated would happen so, again, I thought things were moving along. Now, it is XXXX XXXX, XXXX, and I just received an update. My request was denied due to missing information-how often my husband and I are paid. I had already provided this information back on XX/XX/XXXX. I responded via e-mail to the request for the information and also advised them that I had already provided the information to them previously. I am very frustrated with this process and the lack of competency to complete my request. I have been through this process for a couple of years now and have never had this problem before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Retrieval-Masters Creditors Bureau, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Neither the company nor the collection agency would verify all of my debt. I also have been unsuccessful in attempts to reach both parties on separate occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a car-loan w ith   XXXX   XXXX   XXXX    that was in delinquent status when it was paid off in   XXXX    2014 by m y insurance carrier,   XXXX   XXXX  . Despite its delinquent status, the payment represented the loan pay-off for the vehicle.     Currently, all Credit Bureaus show the account as either written, closed with a balance remaining, or still delinquent. Attempts to correct with the bank directly have been met with mockery or derision. The credit bureaus insist they only report what the creditor gives the, I 'm basically stuck with this account on my report until the account passes its statue of limitations,

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 11-01-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: i took a look in my experian credit report and i saw that there was a XXXX account XXXX and my report that did not belong to me. so i send a certified letter on XX/XX/2016 to them asking to validate this account that they claim belongs to me.it is now XX/XX/XXXX i never received anything from them stating that this account belongs to me. they are in violation of the fair credit reporting act. they fail to provide me with a contract bearing my signature and marking my credit report disputed by consumer within the 30 day time frame and should be removed

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 09-10-2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (DC).
Issue: Application, originator, mortgage broker

Complaint: I became aware that SELECT PORTFOLIO SERVICING INC Also know as XXXX, SUCCESSOR TRUSTEE TO XXXX, XXXX, AS TRUSTEE XXXX OF STRUCTURED XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MORTGAGE PASS-THROUGH CERTIFICATES SERIES XXXX with the aide of XXXX filed a fraudulent ASSIGNMENT OF DEED OF TRUST with the Recorder of Deeds for XXXX know as instrument number XXXX. This document has forged signatures for a XXXX XXXX and forged signature for a notary XXXX XXXX XXXX that also has a fake internet purchased notary stamp. I do not have a contract with these people and I am requesting that the CFPB start to investigate this criminal matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have had this company credit card since XXXX and never missed a payment well on the months of XXXX and XXXX I had a tragic family event happened where a close family member XXXX XXXX  XXXX in a car accident and I tried paying to pay my bill but it wouldnt let me after several tries I was able to the next day but they gave me XXXX late payments and it damaged my credit drastically

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: requested verification regarding a bankruptcy on credit report. they stated it was verified as true. after contacting bankrupty court they stated that they do n't report or verify any information to the credit reporting company

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I was reviewing my credit information with all  XXXX  services and noted that  XXXX ,   XXXX   and TransUnion are reporting a judgment on my credit report. The judgment was satisfied 3 years ago ( via a payment plan ), and is no longer accurate. I called  the County  Recorder of deeds in  my county (   XXXX   XXXX , NY  )  and they stated per the  XXXX  Department of Taxation that they do not report tax liens or the status to Credit Reporting Agencies. I then consulted the  XXXX   taxation  website and verified that the  XXXX  goverment does not report tax liens/warrants to Credit Reporting Agencies. On XX/XX/XXXX I called   XXXX  ,   XXXX   and Transunion to dispute that a current tax lien satisfaction is being reported by the  XXXX  Taxation or  XXXX   XXXX  recorder of deeds. Transunion,   XXXX   and  XXXX  contended the information was accurate. I additionally, informed TransUnion that the information from their specific report states that the records are furnished by  XXXX   XXXX . I informed them this information was inaccurate as I do not reside in  the county  of  XXXX   XXXX . I have attached the  XXXX  Taxation document stating they do not report tax warrants/liens/judgments to credit agencies and inaccurate information can be disputed.

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 09/20/2017 about Debt collection (Medical debt) with Capital Accounts, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Never had an account with XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: I closed a savings account at my XXXX, FL bank and received a certified check from them for the amount in my savings account, a little over {$16000.00}. I took that certified check to Wells Fargo in XXXX to open a savings account there. They told me they would give next day credit for only {$200.00}, hold {$4800.00} for 2 business days, and hold the balance, more than {$11000.00}, for 7 business days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I want full validation on my student loans. How much is owed. Where was the money applied to and why are there extra charges.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Simon’s Agency, Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX took my insurance card. Asked how injury happened. I said at work. the hospital attempted to collect from workmans compensation, without a claim filed. The hospital set a collection agency after me immediately. I told debt collector i would sue. Appears i now have to since it sits on my report falsely. I also lost my health insurance for 60 days because of this false workmans compensation claim. simonagency stopped hassling me, but here sits the fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Other

Complaint: I opened an account in order to do a balance transfer from a Citibank card to XXXX XXXX. I attempted the transfer online but it did n't seem to work and I never received a confirmation from XXXX XXXX. I contacted them and did the transfer over the phone a day or XXXX later. The transfer took place but I noticed a negative balance on Citibank. It turns out the first transfer was processed. I have contacted Citibank to get a credit to my bank account to set everything straight. Citibank said the credit would happen in 3-5 days but it has now been 10 days. I contacted them again and now they are saying it will be two weeks.

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 09/25/2017 about Checking or savings account (CD (Certificate of Deposit)) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: In XXXX I took out a {$100.00} 30 day CD at 9.5 % interest automatically renewable at current CD rate unless bank notified me otherwise. The bank was XXXX XXXX. They were bought by Fifth Third in XXXX. I felt that would be no issue as my mortgage, boat and car loans and checking and banking were with them. I was well known in the community as having serve at both the XXXX  and XXXX   level. I just let the Cd ride tell retirement. They now tell me on presentation they do n't have any record of it and denied honoring it and I should have gotten a letter. Trust me I 'm meticulous in keeping records. So I asked for the letter. They had nothing given that money doubles every 7-10 years I figure it 's worth near {$500.00}. I 'm sure it would hardly break their bottom line. I had check unclaimed funds in the mid XXXX for our last name as my mother had XXXX. Did n't see anything under mine. Can you help

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Mortgage debt) with Specialized Loan Servicing LLC (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: 1. I had a second mortgage on a property that was discharged in a chapter XXXX bankruptcy in XXXX. 
2. The lien on this property was settled and removed in XXXX. 
3. SLS, mortgaging service company, and debt collector, sent a fictitious bill dated XX/XX/XXXX. The outstanding principal showed approximately XXXX but the principal on the bill showed {$1.00}. Despite the principal obviously being XXXX SLS did not acknowledge the chapter XXXX discharge and was falsely attempting to get me to reinstate the debt. 
4. I informed SLS of their error and SLS sent correspondence dated XX/XX/XXXX acknowledging their error and informing me they would update their records. 
5. On XX/XX/XXXX SLS attempted once again to tempt me into reinstating this debt, failed to obey bankruptcy laws, etc. This is a deliberate and systemic collection practice that needs to be addressed.

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 03/30/2015 about Debt collection (I do not know) with Focus Holding Company (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I use XXXX XXXX Service at my house. My account number is XXXX. According to my credit report, Focus Receivables Management, along with XXXX XXXX XXXX, fraudulently tried to embezzle {$170.00} and committed other illegal acts such as grand larceny and trespassing on private property illegally. At this time, an unknown party, illegally removed the XXXX XXXX XXXX XXXX from my house and committed grand larceny in the process. I have a clear copy of my credit report. I also have a clear copy of my contract with XXXX XXXX. I am ready to consider a lawsuit against all co-defendants in this situation. I have never contacted XXXX XXXX XXXX or its affiliates. I never have conducted any type of business with them. They did not have lawful permission to be at my place of business. I am the XXXX of XXXX XXXX, a small consultation firm. I also have legal representation and I am ready to file a lawsuit against all culpable parties. The information on my credit report is not accurate. It is a result of grand larceny and identity theft. Additionally, XXXX XXXX XXXX and Focus Receivables Management are claiming that the information on my credit report is more than 7 years old, a time period that is beyond the legal statute of limitations in NYS. The Fair Bulling Credit Act does not allow this collection agency to illegally put this false information on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NICHOLAS FINANCIAL INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017 my name was ran for a car loan inwhich I did not approve this company to run. There's no verifiable document between me and this company, this inquire was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted all 3 bureaus in regards to inaccurate public information being reported. They are reporting a Bankruptcy and IRS XXXX which are not mine. I have sent numerous letters and made numerous phone calls to no avail. 

Here are the following dates in which these XXXX items have been addressed : XXXX 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 08-07-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I filed Chapter XXXX in XXXX 2015 ; discharge XX/XX/2015. Between XX/XX/2015-XX/XX/2015 I had accounts that were under the Bankruptcy Stay. I disputed XXXX XXXX, XXXX XXXX, XXXX, and XXXX. XXXX, XXXX and XXXX XXXX were all reporting Charge OFf or key derrogatory as the status between XXXX 2015 and XXXX 2015. The account 's coding was never corrected by Experian at all. This is negatively affecting my credit it dropped about XXXX points. They also blocked my ability to dispute which is my right under FCRA. The disputes are not frivolous inasmuch as I have sent documentation each time. They just chose to ignore it and close out the investigation without due diligence of the investigation. I am attaching the negative reporting of XXXX and also the blocked access. I need this corrected. They can not simply ignore the documentation. They must update if I am providing proof. This is my right under FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Choice Recovery violated Public La w 95-109, Section 805-C, THE  FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST. THEY DID NOT CEASE AND DESIST AS THEY DID NOT REMOVE THE DEROGATORY INFORMATION FROM ALL OF THE CREDIT REPORTING BUREAUS FILES.       I was advised by the credit bureaus, that  Choice Recovery placed th e account for collections per attachment.     I submitted per attachment under Public La w 95-109, Section 805-C, THE F AIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices A ct. 15 U.S.C.A 1601.1692 et  al, and to remove the derogatory information on my credit bureau files.       CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices A ct. 15 U.S.C.A 1601.1692 e t al, and to remove all derogatory information on my credit bureau files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Problems when you are unable to pay

Complaint: I applied for a XXXX loan with Bigpicture loans, and to date have paid back approximately1000 I have advised the company that paying back more money is creating great financial hardship but they are not interested in helping to eliminate this debt. To fulfill the terms of the loan that I was a little unclear about when I applied, I will have to pay another XXXX in payments. My bank account is being drafted every 2 weeks and I am unable to continue with these payments.Please help

Company response to consumer: Closed with explanation