milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2015 about Consumer Loan (Vehicle loan) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Taking out the loan or lease

Complaint: I got a car loan with Huntington Bank with payments starting XX/XX/XXXX for XXXX payments. I paid off my car in XX/XX/XXXX and was charged a XXXX early payoff fee. I got a letter stating they electronically filed my title and I have to go to the title bureau and pay for a paper title. I got a copy of my loan agreement and it states on line ( XXXX ) License, title AND registration fees {$20.00}. Bank reps state that I did not pay for my title just the registration fees. I stated that is not what I signed and that is not what the line states it stated AND not OR. I originally called on XXXX XXXX and someone was suppose to call me back by that Friday XXXX XXXX. No call and I called back today XXXX XXXX and the Supervisor I talked to on XXXX XXXX failed to notate my account at all. The Supervisor I talked to today stated the above so I filed a complaint with Huntington case # # XXXX and they stated I might get a letter with the resolution? Which would be nothing because I did not pay for a title and that line means any of the fees. I stated again then it should state OR not AND. I believe I should get a paper copy of my title since I paid for my car in full or I should get remimbursed for the fee I paid plus interest that I paid for all of the years.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Other debt) with Solomon and Solomon, P.C. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I viewed my credit report a year ago and noticed a collection account for XXXX XXXX XXXX XXXX XXXX  XXXX XXXX in collections with Solomon and Solomon PC collections law firm. Once I noticed the account I contacted the agency and explained I was a victim of XXXX XXXX and fled the apartment to get away from my XXXX. The account was in my name however I supplied the collection company with a copy of my new lease proving I did not reside at the apartment at the time and a letter from my XXXX XXXX XXXX. I was told to contact the XXXX company and file an appeal which I did and I was redirected to the collection agency. At this time I attempted to negotiate with Solomon and Solomon regarding the {$2100.00} debt and they stated they would have to charged me XXXX and there would be no further negotiation. I recontacted the electric company and was redirected back to the collection agency. I then contacted the Public Service Commissioner 's Office however since the account is no longer with the electric company they can not assist.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was not served any court summons, I am amazed how they obtained a judgment without me being served the notice to appear.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE WRITTEN TO BOTH XXXX AND THE CREDITORS LISTED BELOW ONLY TO KEEP GOING IN CIRCLES CREDIT AGENCY SAYS ITS CREDITOR CREDITOR SAYS ITS CREDIT AGENCY REPORTING THE INQUIRY XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX theses are all from 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 09-06-2016 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Payoff process

Complaint: We paid of our credit card and I paid to much. I contacted to credit card company and requested a refund. The amount is over {$900.00}. For more than 2 months they have said its in the mail. We never received it. We keep calling they keep saying the same thing. We requested the mail it with a tracking number they refuse.we have asked to talk to higher ups, we give our phone numbers they repeat it then when they do n't call we call them and they say we have not working numbers. They have no record of our working numbers. They have offered no solutions and veto all of our solutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2018 about Debt collection (Other debt) with Midwest Recovery Systems (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Midwest Recovery VIOLATED my rights under the FDCPA. I was never notified in writing of this debt, this debt is over 10 years old, I disputed with XXXX as this is a RE-INSERTION of a debt, they never notified me this was going to be done. I have filed complaints with the BBB against Midwest Recovery and XXXX XXXX. I just spoke to a XXXX XXXX Rep and asked why I was never notified in writing of this re-insertion. I want this removed from my credit report immediately, first and foremost for violating my rights. Midwest Recovery should lose their license!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Late fee

Complaint: Regarding XXXX payment processing, CapitalOne has a business practice, which I believe is unethical and should be illegal. I have a PDF file ( attached ) with date/time stamp from my CapitalOne on-line account records to substantiate my complaint. Specifically, when I log into the CapitalOne website to pay my credit card 's monthly bill, their website states that I must make the payment before XXXX. in order for the payment to be posted on the same day ( It used to be XXXX XXXX EST a few years ago ). Currently, this payment cut-off deadline, at XXXX XXXX is four hours before XXXX on the due-date. If a card holder ( like me ) makes a payment ON THE DUE DATE, but between XXXX and XXXX, CapitalOne sets the posting date for the following day and counts the payment as a late payment, charges a late fee, and then use this event as XXXX of XXXX allowable late payment events per year to justify raising the APR rate - significantly. This happens even when payments are made on the due date before midnight within the same timezone as the billing address ( EST in my case ). I suspect that Capital One and other card issuers are using this tactic to collect fees they do not earn and to justify raising APR rates. This practice should be illegal and must be stopped. The correct processing is that all on-line payments scheduled by XXXX XXXX of the due date, should be posted as paid on the due date and accepted as an on-time payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2015 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Account opening, closing, or management

Complaint: This started when I was a minor XXXX years old, I 'm now XXXX. XXXX XXXX which is now called XXXX, they indicated I 'm past due in an amount of over {$200.00} which I know I was n't. I was reported to Cheqsystems over 7 years ago and I have no idea how to get this removed so I can open an account. I 've done everything on my side to clear it. What now???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: i attended XXXX in XXXX XXXX, ca. i had to take out a loan with genesis it was the only loan i could get to so call better my career path. they did n't tell me that i had to pay the loan in school until after i started, they did n't tell me that when i got out of school the about to pay its would be so high that i could n't afford to pay it. i see that XXXX is getting sued already for their actions and lies. i could n't complete the school because of a teacher that screwed me over and threatened me, which the other staff did nothing about. i cant get an income based repayment plan from genesis and they are hard to talk to and deal with because their customer service XXXX and they barely speak XXXX i would like to get my loan descharged and what i paid into it back. i see that consumer finance is trying to help all the XXXX former students in getting their money back and correcting the wrongful action done by the school. i would like to hopefully get this done soon i cant continue to make the payment. they offer a payment reduction for six months im on the last XXXX that i can due and they failed to put me on it at the right time that i called them and asked for it to be done. i got a ding on my credit for it and have yet to call them to get that fixed. i will be contacting sallie mae to get my loan discharged from them they are easier to deal with but would like some kind of help with genesis in getting my loan discharged and money back quicker then waiting for the lawsuits to go threw and all the student get their money back. if anything i would like it just discharged and i can wait for the lawsuit to take place and get the reimbursement then, also they didnt give me any relief from the relief from the Consumer Financial Protection Bureau ( CFPB ) and the XXXX that announced more than {$480.00} XXXX in forgiveness for borrowers who took out XXXX XXXX XXXX high-cost private student loans. I recieved nothing from that.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize any of these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Advertising and marketing

Complaint: XX/XX/2016 I contacted Citi online customer service as my account had not been credited with the advertised signup bonus for a Citi Thank You Premier card that I signed up for. The online agent was able to satisfactorily resolve my issue after several emails back in forth through XX/XX/2016. I then called Citi customer service and spoke with an agent, who said although she could n't help me, she would document my request and elevate it. I then later received a letter that my request was too old. Can you please fix that for me? I received marketing materials from Citi advertising a signup bonus for this card, and I met all of the requirements. I am a long standing good customer of Citi. I do n't think it fair to deny the signup bonus because this is taking a while to resolve ( through no fault of my own. 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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX is being reported as part of my CHP XXXX bankruptcy. It was a new account and less than XXXX XXXX old prior to filing. It is illegal to include new accounts to bankruptcy. I am on time and never late. This is being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Other financial service (Credit repair) with John C. Heath, Attorney at Law, PLLC (MN).
Issue: Customer service/Customer relations

Complaint: Lexington Law firm has been charging me for services and not affectively delivering me the results that they promised as far as deleting the credits that was once off by them, but is some how is now back on my credit report. And they have been charging me XXXX a month instead of XXXX a month for charges.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: XXXX XXXX is not mine. I 've disputed this acct before it was sold to another collection agency. It was removed off my trans union and XXXX file but Equifax is still reporting it. I 've never had service through the company XXXX. I 've recently disputed it again to Equifax on XX/XX/XXXX when I got my Annual Credit Report and saw that it was on there. I called Equifax today to find out the result of the dispute and they have no record of me disputing last month even though I disputed that item and XXXX XXXX XXXX as well. They state that the last dispute results was from XX/XX/XXXX and that they do n't keep notes of calls. I asked to speak with a supervisor just as I did on XX/XX/XXXX when the call dropped after my disputes should have been submitted since I gave her my email address before I was transferred. Today after my disputes for the same 2 items XXXX XXXX XXXX who was paid off and closed in XX/XX/XXXX is still reporting that it is open and will a balance and the XXXX acct I asked to speak to a supervisor again. Also both times that I called Equifax they claim that they could n't find my report with the confirmation number that was provided on the report I got from them through XXXX. The supervisor XXXX stated that they only keep notes of calls if its important to the consumer such as a dispute ( which was made on XX/XX/XXXX ) or a request to speak to a supervisor ( which was also made on that date ). Now I have to wait 30 more days for my disputes to hopefully actually be disputed. And I was told that they would n't send an updated report to the creditors that have requested my report in the last 60 days such as XXXX who I was denied from on XX/XX/XXXX due to the 2 items I 'm disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for the Bank of america XXXX credit card on or about XXXX XXXX 2017. But the application is denied even when i am having the credit score of XXXX. At the same time Bank of America did n't provided any reason why the application is rejected? Moreover no instructions in terms of how they made the credit decision and how to acquire the free credit report. This is the clear violation of standards and standard operating principals. Worse than that - they send me a form to apply for the secure credit card to build the credit history, what??? It was just to rub the salt in my wounds. I never opted for getting any marketing or any other sort of material so why they are sending at the first place??

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

Complaint: XXXX XXXX RAN ME TWICE IN ERROR. SOFT ONLY

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 09/14/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Get OCC involved. Needs to be placed on US treasury DO NOT PAY LIST. 

scam artists who- lie to me do not enter my data correctly have multiple computer failures have XXXX issues -retaliate against veterans and XXXX veterans -seize asset wo US GOVT permission refuse to allow customers to wire money to another account refuses account access to check funds -are in TEXAS and repeatedly CON other veterans refuse to open credit lines when thousands available for the line bc they " cant put you as a citizen '' in the computer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or about XX/XX/XXXX, I notified all three major credit bureaus ( XXXX, Experian, XXXX XXXX ) concerning invalidated information that was reported on or about XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX and that I owed two medical seperate collections ( {$2100.00} & {$4000.00} ) that had been paid to the original creditors on or aboutXX/XX/XXXX ( See attached letter from Attorney XXXX XXXX. 

On or about XX/XX/XXXX, I responded to XXXX - XXXX XXXX XXXX XXXX by letter stating that the said collection of the two medical debits have been paid and requested that their claim was disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Instead they responded back providing a verification or proof of my mailing address, but not as I requested for VALIDATION of the said two separate debts and has continued to update the three major credit bureaus ( XXXX, Experian, XXXX XXXX ) every month or two that they have had contact with me and keeping the date current. Informing inaccurate or invalidated information to the credit-reporting agencies is not correct and derogatory, has continued to this date, has negatively impacted my credit report. 

I have submitted three different letters to all three major credit bureaus ( XXXX, Experian, XXXX XXXX ) stating that the debit is not validate and should have never been on my credit report. To date all three major credit bureaus ( XXXX, Experian, XXXX XXXX ) have not updated nor removed the inaccurate and invalidated information on my credit report but they have updated XXXX - XXXX XXXX XXXX XXXX reports and negatively affected my credit continuously.

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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: This is my  3rd disp ute with   XXXX   XXXX   regarding the inaccurate reporting of 30 days late for   XXXX   XXXX    . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My personal information has been used Equifax I found 18 Hard Inquire In one year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fellow XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not aware that this was happening until recently I have a XXXX XXXX account from XXXX XXXX for {XXXX} that I 'm working on trying to get off my credit as we speak I did a father account did a police report XXXX game medical XXXX XXXX XXXX {XXXX} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {XXXX} XXXX XXXX I 'm just now at XXXX trying to get my credit together together and and I also would have some to update my personal information some addresses if you can just give me a call at XXXX XXXX XXXX XXXX XXXX birthday XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 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 information incorrect

Complaint: On XXXX XXXX, 2017 the allege debt XXXX XXXX, XXXX. is reporting as owed is inaccurate and has been discharge pursuant 11 U.S. code 727. XXXX XXXX XXXX is reporting false information to XXXX. I have made several attempts to settle this matter and XXXX XXXX XXXX. continues to cause injury and damages to my personal credit, defame reputation, and slander my character. XXXX XXXX, XXXX is in violation of Fair Credit Reporting Act, Fair Debt Collection Practice Act, and NEW YORK STATE Debt Collection Laws..

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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: When applying for loans ; many times multiple inquiries are made by auto dealerships to secure financing for customers. These inquiries should work like debit card transactions where the inquiries are made and the one that gets to remain on the report is the one that secured the financing. The inquiries stay on a persons bureau for two years and while they minimally affect one 's score ; it can make consumers look desperate for financing when in fact, the merchant was trying to secure the best rate for the consumer.

Company response to consumer: Closed with explanation