milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SQUARETWO FINANCIAL CORPORATION (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CACH is reporting that I have an outstanding balance owed to XXXX Lending for {$11000.00}. I have contacted CACH to contest the debt ; requesting a copy of the original finance contract ( displaying my signature ), a detailed explanation of charges that constitute the {$11000.00} debt they say I owe, and the account history of this account showing any records of payments that XXXX received. So far, CACH has not supplied me with any of the requested documentation. It is my right under the Fair Debt Collection Practices Act to request this information, and unlawful for CACH not to supply it, upon request.

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 08/18/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: The Great Lakes Student Loan is making us repay thousands of dollars on the loan. The interest was tacked on to the back of the loan but no other option was given. We were forced to sign documents that had interest on added to the back side of loan with no mention of other repay could be under someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (TX).
Issue: Managing the loan or lease

Complaint: BMW XXXX Financial Services, by means of deceptive trade practices, wrongfully repossessed the vehicle from the representative of the Estate XXXX, when, I, XXXX, contacted BMW Financial to request payoff balance for the vehicle. Only until I wrote a letter to XXXX XXXX, President and Chief Executive Officer, BMW XXXX Financial Services, XXXX XXXX, did BMW XXXX Financial Services acknowledged their mistake by their misinterpretation of the XXXX XXXX Texas, Probate XXXX XXXX Estate Affidavit and Court Order for the Small Estate of XXXX XXXX XXXX. Nonetheless, XXXX XXXX XXXX wrote me back and in his letter dated XXXX XXXX, 2016 ( see attachment ), XXXX XXXX apologized for the negative experience and customer service experience that I, as the Representative of the Estate experienced. Additionally XXXX XXXX advised me the repossession fees, in the amount of {$470.00} would be reimbursed to me, XXXX XXXX XXXX the fees as I paid with certified in my name and referencing the account number of the deceased. 
However, when I received the check ( see attachment ), it was made payable to the decedent, XXXX XXXX XXXX and not myself. I wrote BMW Financial XXXX and once again I included the Probate Court Documents and further requested, by and through designated powers as being the Representative of the Estate, that the check be rewritten and made payable to : XXXX XXXX XXXX on Behalf of the decedent. As advised by my attorney previously, I have done this type of death notice and request with XXXX XXXX XXXX XXXX Bank and a few other companies holding any and all personal property of XXXX XXXX XXXX, to release such property should be transferred to the rightful Heir/Representative of the Estate of XXXX XXXX and it was successful. 
A letter dated XXXX XXXX ( see attachment ), 2016 XXXX XXXX, Special Accounts Team Leader, wrote back saying, " We are unable to send refund to anybody other than the account signers ''. 
This is in clear disregard of Texas Probate, Estate and Heirs ' property law. Among other Texas Deceptive Trade Practices law violations to issue a check to a deceased person, knowing there is NOT an XXXX Bank account as it is not necessary for XXXX Estate Administration in Texas. This is just another deceptive trade practice that BMW XXXX Financial Service has issued a refund with NO intentions or good faith of making good the fund distribution to the Estate representative for Estate settlement purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Vehicle loan or lease (Lease) with Bridgecrest Acceptance Corporation (OH).
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 paid off the lease in full on XX/XX/2018 and was advised that I should receive the the title in 4-6 weeks. I contacted the company on XX/XX/2018 to inquire about the title and they said I should have received it no later than XX/XX/2018 and if I had any additional questions to contact the title department. Every time I try to contact the title department there is an extended hold and I am told to call back. I have NEVER been able to speak to the title department and still have not received my title. I did not receive my title and waited an additional week prior to calling again. On XX/XX/2018, I contacted XXXX again and was advised that I needed to call back because they could not get through to the title department. I requested to speak to a supervisor and was placed on hold for 25 minutes and still did not get any additional information. I want my title!

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 08-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Todd, Bremer & Lawson, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX, I registered for an online course with The University XXXX XXXX XXXX but subsequently canceled my registration prior to the University 's deadline. I received written communication from the University acknowledging their receipt of my cancelation but they claim to have no record of it. I first received notices from the University requesting payment in XX/XX/XXXX and disputed the debt. I believe I received communication from XXXX debt collection agencies for the same account. Each time I received a notice, I would dispute the debt and each time I received no response for an extended period of time. I did not keep records of those communications, each time believing the issue had been resolved. 
Recently, I have been receiving letters from Todd, Bremer & Lawson , Inc., a debt collection agency, demanding payment. I have disputed the debt and twice provided them with documentation from the University proving that the debt they are attempting to collect is not valid. I have requested that they close the matter and provide me with a written statement that the matter has been resolved ( as they are at least the third entity with whom I have disputed the debt ). I believe they are violating the Fair Debt Collection Practices Act and would like to file a complaint against both the University and their debt collection agent and request assistance in reaching a resolution to this matter. 
I am uploading copies of each communication I sent them ( sent to them by my wife via efax ), the attachments that I sent with each fax, and a copy of the last response I received from them asserting that the debt is valid and that they will consider any future disputes " frivolous ''. I do n't know what to do and would truly appreciate your help. 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 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filed bankruptcy and it was discharged in XXXX 2015. Stellar Recovery is still showing an account as open collections on my credit report. No balance, no account number, with remarks of Chapter XXXX bankruptcy, bankruptcy discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This complaint is a follow-up to complaint XXXX. 

I have been working with Fedloan for several months now to keep my loans in repayment and Fedloan has been unwilling to help. I work full time and go to law school at night. I have been repaying my loans continuously since XXXX and Fedloan suddenly decided this fall to put my loans in deferment because they were notified that I was a student again. The deferment started several months after I enrolled. I requested that my loans be put back in repayment so that I would continue to be automatically billed each month, with additional amounts directed at the highest interest loans. Because Fedloan moved my loans into deferment without contacting me, additional interest has accrued and payments have not been applied. I have already reached out to Fedloan to have my loans placed back in repayment twice, only to receive an email notification on XXXX/XXXX/XXXX that my loans have been placed back in deferment for a third time without my permission and against my previous requests. This has to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had been in a Student loan rehabilitation program over the past year. Made final payments in XXXX XXXX for both XXXX and XXXX XXXX. The new Appointed Servicing Agent for my Loan was the Fed Loan group. They sent out the new loan information in XXXX XXXX. I moved from XXXX XXXX XXXX XXXX Fl XXXX temporily to XXXX XXXX XXXX in XXXX, Fl XXXX in XXXX XXXX and then to XXXX XXXX XXXX XXXX Fl in XXXX XXXX. The original rehab loan program never notified my of the new Servicing group or how to contact them. When in XXXX XXXX it showed up on my credit report as 90 days late I was able to find out for the first time who to contact. I called there Servicing dept immediately try and resolve the problem. They told me to get off my credit reports I would have to file a dispute with accounting dept which will decide if they will or not remove the 90 days late. This was on XXXX XXXX, XXXX. This was to be emailed to me as well as a low income based repayment plan application, which it appears I have been qualified for all along and would pay {$0.00} a month. Well they did n't send it out email ... ..today XXXX XXXX, XXXX they can only mail the dispute form, and are emailing me the income based repayment form, but the immediately took a {$110.00} payment on XXXX XXXX, which as of today does n't show and when posted will still show and outstanding balance. Even when I qualifiy for the lower repayment, it will take 30 or more days to go into effect. My Credit with all XXXX Agencies is severly effected by there reporting. I have no other late payments

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Three months ago I disputed bankruptcy and lien information that is listed on my credit report, XXXX  listed it as being verified but did not provided actual validation from the verified source. Effectively as of XXXX XXXX, the new consumer bill that propose changes to credit reporting and scoring. There are specific information that is required to determined the accuracy of what is being reported. After reaching out to the XXXX County Clerk of Record in my county regarding the information that is on my credit report and the process of how it is verified is by public inspection during working hours. No special provisions are made for reporting agencies. I would like concrete proof that these liens and bankruptcies are indeed accounts of mine, and promptly remove if not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Mortgage (Conventional fixed mortgage) with AMERINATIONAL COMMUNITY SERVICES, INC. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: My tax assessor sent an incorrect tax bill to my mortgage company in 2016. The mortgage company, AmeriNat, then paid the incorrect amount. When I called to explain the issue, the mortgage company insisted that it was my responsibility to get the accurate bill which I did. The tax collector told me that a refund was issued to my mortgage company on XXXX/XXXX/16. My mortgage company then increased my mortgage payment to compensate for the mistake payment despite the fact that I provided them with the accurate bill. They then told me that it was my responsibility, not the tax collector 's responsibility, to make sure that the refund was received. I was even able to give them a check number and the date the check was sent to the third party vendor that accepts their payments but they refused to acknowledge it because they said they never received the payment. So basically I 'm stuck with a mortgage payment that is {$1600.00} more than it should be because Amerinat refuses to investigate the situation and take the appropriate action. They are comfortable to hold me financially hostage. Plus, there toll-free number does n't even work, making it extremely difficult to even discuss the situation with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (FL).
Issue: Taking out the loan or lease

Complaint: I traded my XX/XX/XXXX F150 XXXX. They financed me for a XX/XX/XXXX XXXX Corolla. My old finance company is United Auto Credit. They have called me every day in regards to my payment. I explained to them I do not own that vehicle anymore. I told them XXXX XXXX will send them the payoff. They continue to harass me daily. I just got off the phone with United Auto Credit as they admitted talking with XXXX XXXX XXXX, yet told me until they receive a payment the calls will continue. Let it be known I have never missed or been late on a payment. 

When I requested to speak with a supervisor they only sent me to a recording. I can not seem to get them to work with me at all. I did speak with XXXX XXXX about the issue. They insured me it will be paid, as I trust it will be. I know there is a process the bank has to take before sending a check. I do not want any bad di gs on my credit do to some underground lender like United Auto Credit. As I did some research on the XXXX, I noticed that I am not the only XXXX having similar issues. At the interest rates they are charging the least they can do is work with someone. Especially when you have dealer that size paying off your loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I started making payments through the online website speedycash.com for a debt that was owed. When I made the payments to them they provided a collection company XXXX my credit card information and the company withdraw XXXX from my account without my permission. I spoke with both companies about the unauthorized charge, and they state there is nothing that can be done after money was taken fraudulently. I never setup an agreement with XXXX or spoken with them about the case. The funds should be placed back into my account, because XXXX received information that should not have been provided to them to collect a debt. Speedycash states on every call they no longer have the case, and everything was done by their 3rd party company. If this was done to me I know it 's being done to others trying to repay debts that are owed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Transunion has  XXXX  accounts on my credit report that are reporting inaccurately. There is collection with a company that I have never heard that is on my file erroneously. I have an account with  XXXX  that states there is a late but I never was, and they will not show me proof of the account ever being late. It was paid in full never late. I also have a student loan account that is reporting multiple accounts with the same account number and has  XXXX  lates which is inaccurate. I have provided a letter to show exactly was is incorrect and a letter from the student loan company that shows that my account was never late. I have attempted to contact both Transunion and these companies but no one is answering me and are not accurately reporting my credit 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 05-01-2017 about Student loan (Private student loan) with Works & Lentz of Tulsa, Inc. (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I graduated University  XXXX   XXXX  on  XXXX ,  XXXX  I had taken out a substantial amount of student loans to pay my balance, six months after graduation,  XXXX   XXXX  ; I get a lette r ( Works & Lentz ) an d I call company that implied they were lawyers reviewing my debt owed to  XXXX - I informed them I was seeking employment within my field of study and I was yet to get formal employment however all my   XXXX   debt was going to be consolidated.  Works and Lentz (   XXXX , Ok )  officer fai led to inform me this debt was due to a student balance I had with  XXXX  and that it did not qualify to be consolidated. I never heard from them again. Later I get paper work consolidating my debt and I assume everything is fine.   On  XXXX   XXXX ,  XXXX  I get a phone call from a  Works and Lentz stating  they are an attorneys office-officer told me they represent  XXXX  for this debt.   I explained to them all my debt is consolidated, they said not this one and that they 've had this outstanding debt since  XXXX .   I asked them why have n't I been contacted sooner, the lady said " this is your debt not ours ''.   I spoke to  XXXX  who can not inform me as to why they did not give me the chance to settle this debt with them. The week my grace period was over after graduation they just forward me to a collections agency.   I also ask them why d id Works & Lentz  contact me 1 year and 10 months after I first made contact with them ; the lady at  XXXX   XXXX   XXXX  said they are n't responsible to provide accurate contact information to Works and   Lentz.
I requested a letter from Works and Lentz-   they are charging me for just requesting the letter ( which does n't event give me an account summary, letter states I have to submit it in writing ). The letter is giving me 5 days to pay the balance in full.   What is the urgency, they have been the once that taken 1 year and 10 months to contact me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Original Creditor, XXXX XXXX XXXX now known as XXXX XXXX XXXX, lease an apartment from them. Roommate broke lease. There is a fee to break lease roommate refused to pay after I paid my half amount. Was never contacted by them for remainder. Get a phone call from Hunter Warfield on XX/XX/XXXX for amount. Wanted to deal with original creditor. The original creditor refused my payment. Original creditor referred me to deal with collection agency. Requested verification of debt onXX/XX/XXXX. Debt was verified. Started to negotiation with settlement for original amount of {$1200.00}. OnXX/XX/XXXX letter was sent with amount of {$1200.00} with {$4.00} as interest. In original contract there is no interest. Debt collector is seeking to collect more than what is originally owed. In addition, tried to make phone contact on XX/XX/XXXX to settle account. Made phone calls at XXXX XXXX and XXXX XXXX with the phone number provide to me in a letter at XXXX. Hunter Warfield did not answer phone during normal business hours. In addition sent email to XXXXXXXXXXXX XX/XX/XXXX with no answer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: on   XXXX   XXXX   i called  XXXX  3 times, was hung up on twice, the last person named  XXXX  took my complaint and he said that for inquiring on   XXXX   XXXX   XXXX   this will add another 10 years which will not remove til   XXXX   XXXX   This is a fake. this account has been inactive since  XX/XX/XXXX  this is now  XX/XX/XXXX , i then called Capital One and also got the run around, the rep who talked to me wanted me to give her my social security number, so i did, then she wanted my current address, so i gave her that, then she wanted my full name, and i gave her that, when i explained that this report has well over 10 years of stagnation to be removed she wanted the credit card number, i closed this account years ago, i dont have any card attached to them, so then she wanted me to send her or them a credit report of the statement i called about, i told her i am a truck driver, i dont have access to an address to be doing this, so she pretty much was defiant on resolving this issue.
that makes it 18 years old. this should of been removed long time ago. Capital One is a defective company and very undermining, just getting them to stop sending me statements when I lived in North Carolina from  XX/XX/XXXX -  XX/XX/XXXX  took the help of the  XXXX  because calling these people or animals was nothing more than defiance, insubordination and absolute refusal to meet civil rights. Who ever developed these credit bureaus was someone who wanted drama and chaos to happen. Such a pathetic boring way to live. these people are pompous and immature, no business skills, not even a business more like a sham.

here is what is on   XXXX    form:
 XXXX  report

  XXXX   XXXX   
  XXXX   XXXX  

  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief