milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Loan processor is blocking my ability to pay them thru ACH unless I forfeit control of my bank account to them thru ACH. ACH can be initiated by the customer or lender. 
Since the loan processor has already made many errors on my loan account, I am not about to hand over control of ACH debits to them. I want to maintain control of ACH amounts & due dates. 

The loan processor messed up the amount and due date for my student loan. I still have not gotten them to agree that they made errors, and in the mean time they are claiming I am 15 days overdue & they are going to report me to a credit bureau. 

So I am forced to pay even before they fix their errors. AND they REFUSE to give me their bank routing # s so I can send payment electronically. They INSIST on them controlling the ACH withdrawls. Since they have already screwed up the amount, the due date and refuse to acknowledge their mistake, I am NOT about to hand over control of my bank account to them! I can send ACH payments while controlling the amount and date on my end, NOT them controlling when & how much they take. 
I want them to give me the relevant info so I can send ACH payment on my terms. I do NOT want to hand over control to them so they can take what they want & when they want. 

This should be a blatantly obvious right of customers to control what amount & when they send out of their own bank account. Loan processor refuses to give me that option unless I hand over all control of ACH to them!

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Capitol One, I closed my account aprox, XX/XX/XXXX i had gotten a credit to the account after closing it in the amount {$150.00}, XX/XX/XXXX, capitol one says my account is resricted and can not tell me when i will be receiving the funds due me, called on XX/XX/XXXX, they would not give me a date on when i would be receiving the funds i spoke to XXXX i.d. # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I JUST BECAME AWARE OF A LIEN REPORTED IN MY CONSUMER CREDIT REPORTING AGENCIES. I HAVE NO KNOWLEDGE AND NEVER CONSENT OR HAVE ANY CONTRACT FROM SUCH REPORTED LIEN.

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 12/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical bill stemming from a motor vehicle accident XX/XX/2013. 
Entire bill was paid from medical bill lien {$5700.00} dollars ( Copy Enclosed ) and account is settled in full. 

This is the second attempt to collect this debt from this XXXX office.

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 02-07-2018 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: We paid off our car loan last week ( to get ownership of the paper title so we could sell the car to a new owner ). This week, Chase still debited their monthly payment from our checking account.

We have been trying on the phone for three ( bleeping!! ) hours now to get them to turn off that XXXX automatic payment. They keep transferring me from person to person and telling me I need to do it on the website, but on the website there is no account access because it lists the account as closed. 

As far as I am concerned they are making it impossible to cancel the automatic payment, while acknowledging the loan is completely paid off. That is stealing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (PA).
Issue: Managing the loan or lease

Complaint: I currently and since XX/XX/XXXX, have a car loan through Kia motor finance. I have made payments late but NEVER over 30 days. In the past I was 15 days late on payment and Kia contacted me but, when the did they introduced themselves as a different company, I believe it was Hyundai motor finance?? they called me and asked me for my personal information before they would speak to me and since I did not have a loan with Hyundai ( and anyone could call and ask for my information!! ) I became suspicious and would not speak with them. They were extremely rude. After I got off phone I called Kia back within in 24 hours and explained what happen. I they realized, at least I think, that the same company must collect for both kia and Hyundai. This happened to me 3 or 4 times when I had been 15 days late. Each time I complained and requested no one would contact me by phone again but rather by mail, I even on one occasion sent a letter with my request not to be contacted by phone. My request was never honored. I still received threatening phone calls. I always made the payment by the 28 or 29 day, if not sooner, directly to Kia and I always contacted them to let them know when I would make the payment and why I was late. Again this did happen several times through out the loan. In what I believe was XX/XX/XXXX, I spoke to someone at kia, again complaining because someone had called and was rude to me on the phone. This person was very nice and offered to extend my loan 1 month which would help me get caught up and I would not be late each month. She seem surprised that no one had offered to do this for me in the past. She actually extended my loan two months ahead I believe. I told her about the rude customer service I had received and she apologized and ASSURED me that I had never been turned in to the credit bureau. Earlier this year I received a copy of my credit report which showed that prior to talking with her Kia reported me to the credit bureau 4 times!!! None of which I was 30 days late, but they said I was!! I disputed this through the credit agency but still would not remove from my credit report. I contacted Kia and tried to get information about who I spoke to XX/XX/XXXX. They refused to put me to the correct department stating they would not take my call then they refused to tell me who I spoke to XX/XX/XXXX who extended my loan and told me that I had not been reported. After arguing they did give me an ID of XXXX?? I am not sure how this will help me since I can not be put in touch with this employee. I do not know how to have these false reports removed and why would someone at Kia lie about reporting me in the first place?

Company response to consumer: Closed
Consumer complaint received 10/27/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (KS).
Issue: Struggling to pay mortgage

Complaint: We have repeatedly tried to contact DiTech for a XXXX XXXX. I have done it in the past and they approved it. On XXXX I had an envelope taped to my door from a lawyer stating that my house is in Foreclosure. I filled out all the loan modification paperwork with everything requested the end of XXXX. I put the house on the market hoping to sell before receiving a rejection or acceptance of the loan modification because I can never speak to anyone. They have assigned me a representative named XXXX who never answers her phone and does not accept voice messages. I gave my realtor written authorization to speak on my behalf to DiTech, as I have a job that requires my full attention XXXX, which is the same hours as XXXX XXXX My realtor can not get ahold of her or anyone else about my loan. She spoke to XXXX once and was told that all my loan modification paperwork was turned in and the manager was reviewing. She said the manager would send me a rejection or acceptance letter within XXXX days which I have never received. My home is being sold in an auction on XXXX XXXX, XXXX and I still have not heard anything from DiTech nor can I get a hold of anyone at DiTech. Please help me in finding out if I have been rejected or accepted for a loan modification. I do not know what else to do. Can this company refuse communication with me but still sell my home in an auction? Can the still sell my home in an auction without communicating to me that I have been rejected or accepted a loan modification. I do not know what else to do so my realtor advised me to file a complaint with you. Please advise. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: It is about Binary Option trading Company called XXXX XXXX. Who took my Credit Card money totaling {$68000.00} and said they would invest it in stock trading and they would make payments to my credit cards on a monthly bases. As days and weeks and months went on I said where are my payments to my credit card. So In XX/XX/XXXX they credited my credit card {$1200.00} and in XX/XX/XXXX They send me money of {$2100.00} to my Bank Account for more payments. So when this all started in XX/XX/XXXX thru XX/XX/XXXX they said they would send me payments each month, but after XX/XX/XXXX. they said they were no longer going to pay any more money to my credit cards. So XXXX I XXXX XXXX XXXX and found some people getting scammed with this merchant. I Talked to the account manager and I seen that their business did not have a binary option trading in the United States. After that XXXX XXXX shut down their business on line and disconnect their phone and I could not talk to them anymore. So them I disputed all 3 credit cards XXXX XXXX, XXXX XXXX .I received credit to credit cards totaling {$24000.00}. The disputes that I had with Bank of America card Totaling {$40000.00} I did not receive any settlement from them because they said I received credit back to my credit card and my bank account. So the question where is my {$40000.00} that XXXX XXXX has. I checked with an Attorney and they said the merchant is not in XXXX, XXXX. They are in XXXX XXXX, XXXX and they are a scam binary option trading stealing peoples money. The attorney told my that they are after them for millions of dollars that they took from people.Bank of America will not return my money to my account that I disputed and also the money they took from my credit cards is the same money they sent back to me as credits.

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In  XXXX     2017  I sent a letter to Transunion dispute  XXXX  collection accounts on my credit report believed to be fraud. In the letter I specifically stated I donot want just verified, i need documentation. I am a fraud victim so i needed a contract with my signature, too see a copy of my id on file with these companies to validate this debt because it 's not mine. After waiting patiently for 30 days Transition send me a letter simply stating " verified ''.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX made a hard inquiry on my account on XX/XX/2017. No institution information is provided. I have no idea what this is from and would like it removed from my credit

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 09/27/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: LVNV Funding received notice the end of XX/XX/XXXX advising that the account that was in their possession was not opened by me. It is now XX/XX/XXXX and they refuse to remove the account. I have been negatively affected and denied for product due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I purchased a home in XXXX XXXX, XXXX ; and at that time I had a score of XXXX ; since closing on my home I have had multiple request for my report pulled without my permission. I notified the credit agencies to put a hold on my accounts and to delete all the inquiries on my file. XXXX ; put a freeze on my file and an alert and said they would notified the other XXXX companies to do the same. However, neither of the agencies are taking the effort to remove all the unauthorized inquiries on my credit file. The only response I get is that they will remain on there for 2 years. 
From the time of the close on my home to XXXX XXXX to XXXX XXXX I had a total of XXXX inquiries on my credit file ; that is unheard of and my credit score dropped to now XXXX i am now seeking you help with getting these agencies to remove all inquires from my file from the time of XXXX XXXX, XXXX to 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 11/16/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The name being used to identify me is incorrect. I do not have a middle name or initial. 
I have NO accounts with this initial, my birth certificate will confirm my claim. This is the 5th time I have submitted a claim for this incorrect listing of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MERCHANTS ADJUSTMENT SERVICE, INC. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They are contacting me when I am not the debtor, a family member is. I asked them to stop calling, but they harassed me and said they would keep calling until I found my family members contact. They are leaving voicemail messages about the debt with private information in it, they are threatening to come after me - although I have never cosigned on anything for this person - it is getting ridiculous, I just want them to stop calling and harassing me as well as my friends and other family members.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Medical) with Capital Accounts, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The collection agency contacting me is collecting on a debt that I do not owe and, in actuality, was a separate charge from the services for which they had stated they were collecting. I have paid them in full, less the disputed amount, yet they have reported the debt into my credit record as unpaid. 

In addition, they have reported to the credit agencies an amount higher than that which even they claim I owe. I believe this to be a deliberate effort to extract maximum damage to my credit score by pushing the amount over the typical {$100.00} threshold many agencies use in scoring and reporting such debt. 

I have emails and statements to back up this information, which I will provide here if there is a method to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Debt collection (I do not know) with Solidus Group LLC. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Thursday XXXX XXXX 2015 I received a phone call from a former co worker stating a message was left for me at my prior place of employment from a " XXXX XXXX '' regarding a " civil complaint '' and referencing a case # and a # to call back. I called that number and got the voice mail of this " XXXX XXXX '' stating the company was Clear Credit Solutions. I have no knowledge of who this " XXXX XXXX '' is or why this person is contacting one of my former co workers about this so called " civil complaint '', not ONCE have I personally ever received a phone call from " XXXX XXXX '' or Clear Credit Solutions. His business practice and communication tactics are unethical and need to be stopped immediately.

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 06/21/2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: My Serve prepaid account was closed. I have yet to request our FINAL statement ledger showing deposits, withdrawal and ending balances. We were only sent some statements but not all. Most importantly the final accounting of the main Serve account as well as the XXXX subacccounts associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I need your help in order to get in touch with my bank and try to solve my problem. I would like my Citi Dividend Card to please investigate a charge made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$800.00} on XX/XX/2017. I already tried to dispute with my credit card company but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. 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 07/22/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: I opened a checking account on XX/XX/XXXX 2015 through Capital One 360 's publicly available promotional webpage that offered {$400.00} for opening a checking account and completing two direct deposits of {$250.00} or more within 60 days. I made 2 direct deposits of {$280.00} each on XXXX XXXX, 2015 and XXXX XXXX, 2015. However, when I sent a message to inquire about the status of the {$400.00} on XXXX XXXX, 2015, Capital One refused to honor the promotion, claiming, " We were unable to match your name with our list of invited Customers. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit card () with DISCOVER BANK (TX).
Issue: Delinquent account

Complaint: My complaint is against DISCOVER credit card company, who filed an unjust credit report against me to XXXX. 

I have been a Discover customer since XX/XX/XXXX, owning a Discover credit card. After opening this card, I have registered it online and asked for " paper-less statements and payment notifications '', giving my email address. Every month the statements and payment notifications were sent by Discover to my email. Based on that, every month I paid my statement in full and on time. 
During the year of XX/XX/XXXX I have used the Discover card much less. On XX/XX/XXXX I found out, purely by chance, that I had missed the XXXX payment ( {$48.00} that had been due on XX/XX/XXXX ). I immediately called Discover and made the payment. 
After further clarifications it became clear that my email address had been corrupted in their system, showing a weird domain name, instead of " XXXX ''. As a consequence, I had stopped receiving notifications about statements after XX/XX/XXXX. 
When I found out that Discover reported me to XXXX ( and possibly additional Credit Bureaus ) for " 30 days non-payment delinquency '', I 've called and requested them to cancel the reporting to the credit bureaus, since the delayed payment is a consequence of the glitch in the Discover system, but their representatives refused to remove the report. 

In three subsequent conversations, on XX/XX/XXXX, with several representatives and two supervisors, I asked to be contacted by a manager. No attempt was made by Discover to call me back. 
An additional attempt made by me to talk with a supervisor on XX/XX/XXXX failed, the call was disconnected - and nobody called me back. 
My written dispute to Discover ( via messaging on discover.com ) was addressed by XXXX, " Escalations Manager ''. XXXX inaccurately claimed " we did try to get in contact with you and left a voicemail on the phone ''. No such thing happened, as my phone records can prove. 

As of today, XX/XX/XXXX, I have not heard back with a resolution, and have decided to submit this complaint to CFPB, as I feel that I 've exhausted any possibility of receiving fair treatment from Discover.

Company response to consumer: Closed with explanation