milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2016 about Debt collection (Auto) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I returned my leased XXXX five months early and leased a new one. Under rhe XXXX loyalty agreement, the dealer was to have ( and did ) make the last five payments. I was to be responsible for over mileage and tax approximately {$200.00}. 
I received a bill from XXXX for {$2000.00}. I presented it to my dealer who said it was a mistake and he would handle it. A month later, I received a bill from XXXX collection for the {$2000.00} telling me it was the differential for auction price and turning lease in early. They did not honor dealer loyalty program agreements. 
I went to my dealer who provided proof they sent check and loyalty agreement to XXXX. They would again take care of it. 
Tuesday XXXX at XXXX i received a call from XXXX collections ( XXXX ). I told her I was on vacation and did not want o be bothered. She continued to press for the {$2000.00} and threatened immediate suit. I called my dealer again. Today on XXXX I received a corrected bill for {$200.00} from XXXX. The collection agency was still threatening me over {$2000.00}. I demanded and apology, correction and the account to be removed from collection. They refused since an amount was owed despite it being {$1800.00} too high. Everyone was rude and nasty and refused to remove the matter from collection

Company response to consumer: Closed
Consumer complaint received 10/21/2016 about Debt collection (I do not know) with The CBE Group, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This group has been calling for about a year. The name recently left on voicemail is CBE Group, Ph : XXXX, www.CBEGroup.com. They do not disclose the nature of the alleged debt, nor the alleged creditor name, even when asked. Usually they leave a voicemail, but on a recent call, I took it and asked what it is about, at which time they said they do not disclose that information. They asked for me to confirm my name and address, and asked for my SS #. When I asked again for creditor identifying information the man said ( in a very threatening voice ), " I do n't play games, sir. '' At that point I said that I do n't play games either, and hung up. Their most recent call was from a female. I called the phone # she left, and after a long pause, the electronic voice said they could not put me in touch with a representative, and for me to call back later ( yesterday ). I went online to the site they said I should and filled out contact information to access them and got rerouted several times, so I gave up and today I called the FBI and your office. I believe I do not owe an outstanding debt, but just in case, I called several creditors to see if I missed something. I was told that they did not send my account to any debt collector. At no point, have I received a letter, dun notice or other documentation. Please help me resolve this. I will also call my state Atty General and the do not call registry again. As an aside, after I went to their ( CBE 's ) online site, I immediately got a call from a tech specialist who said I had asked for tech assistance for my computer. When he realized I had not, he told me to be careful about inputting my name and contact information online.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Other financial service (Check cashing) with Fidelity National Information Services, Inc. (FNIS) (AZ).
Issue: Customer service/Customer relations

Complaint: I do not have Bank account. Rather, I use a prepaid debit card from XXXX XXXX that allows me to deposit checks by taking a photo with my phone. Recently, I tried to deposit a {$77.00} check from the U.S. Treasury for federal jury duty via this method. It was declined, and I was instructed to call Certegy check services. I did, and they said they ca n't tell me why they issued a recommendation to decline the check. They are rude, deceitful, and refused to share any kind of information that would explain why they consider a check from the U.S. Treasury a " risk ''. 

I am unable to do anything with this check since virtually all other check cashing stores, grocery store money service counters, etc. all use Certegy to verify checks. 

With just a little internet research, you 'll see that many, many complaints about Certegy have been logged, regarding the same type of poor customer service, dishonest behavior, and arbitrary decisions to decline perfectly good checks. It seems their only purpose is to make it exceedingly difficult to just cash checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX. XXXX sent a representative to my Dad 's home for an inspection. I did n't provide my social security number to the representative. I check my credit report monthly. There is Hard credit inquiry made by the company which has affected my credit score. I 've called the company multiple times. I spoke with a few resolution associates. I was told emails were sent to manger and the representative XXXX.They all told me that my credit could not have been checked without providing my social. I spoke with the rep XXXX XXXX multiple times about this. He told me he and his boss are working on it. Its been1month I left messages with no response. The inquiry is on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo HELOC, my 2nd mortgage, is denying me a repayment plan or an arrears restart because I can afford the monthly payment. I had a hardship that is been resolved and now I am able to make my monthly payments and a workout is not being considered for me to get a fresh start to make my mortgage payments. My 1st Mortgage servicer has extended me a XXXX Trial period plan so I can get back on making my mortgage payments and Wells Fargo HELOC is not working with me on a mortgage workout because they say I can afford my payments, and this just does n't make sense to me. That is exactly why I need assistance because I can make my payment and they will not give me a chance to start again. I have been working on this on my own since XXXX 2016 and I reached out to a XXXX approved counseling agency soon after and am getting debt/financial management assistance and they are also helping me with dealing with these mortgage servicers. When calling Wells Fargo we get the run around, are always disconnected and not given clear instruction on how to re-submit my hardship package for another review since my 1st mortgage has extended me a trial period plan to begin XXXX/XXXX/16 and I am now over my hardship so can afford to make my mortgage payments again.

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 11-01-2016 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I started receiving telephone calls on my cell phone all through out the day with regards to a debt which I do not owe. I have requested validation and to discontinue contact. I continue to receive telephone calls from IQ Data International, regardless of the continued request to not contact me. Additionally, I have sent them a validation request in writing and they have not done so, however, have marked my credit report as disputed. I am being bullied by this company, despite continued request to send me any information that states that I owe them money. It has been almost two months since I have requested the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with Checkr, Inc (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was approved as an XXXX in XX/XX/2016 which was cleared and I subsequently passed the background investigation. However in XX/XX/2016, XXXX informed me that it would be conducting another background check which I did not pass. I failed the background check because of a previous XXXX that I sustained. I immediately submitted certified proof issued by the court the the XXXX has been reclassified under a XXXX. Additionally, state law does not permit for this type of XXXX to be re-portable beyond seven years from the time of XXXX. Checkr also conducts background checks for XXXX, XXXX. I failed the background check with this company as well due to the information that is being reported erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Making/receiving payments, sending money

Complaint: On XXXX 2014 I file a complaint on a EFT because the company cancel my policy for my car insurance 2weeks after I paid them for a month of services I called XXXX XXXX several and got no where with them so I file a claim with Bank of America so have 90 days after investigate alls XXXX XXXX sent them authorization form and sent them prove of them canceling my policy after 2 weeks of services I sent them a copy of the e-mail that XXXX XXXX sent me and they still denied my claim and I feel I should be credit for that charge

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: I began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters onXX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.

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 09-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A few years I saw that I had a collection open with XXXX about a debt but I 've never had XXXX so I disputed the debt with the credit bureau and it was taken off my credit report. A few days ago I once again saw that I had a collection in my credit report by Credit management for XXXX for {$1000.00}, I 've talked to XXXX about this and stated that I 've never had an account with them. I do not understand why I 'm still dealing with a debt I 've never had.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and the case was successfully completed on XX/XX/XXXX. I have been disputing XXXX account on my Experian that were included in my bankruptcy and should have been remove XX/XX/XXXX and have not. On XX/XX/XXXX I called Experian and emailed them the banckrupty paperwork from the US Courts and the person I spoke with told me " we have to go by what the creditors say because they subscribe to our services ''. Basically they go by what the creditor says even if it is incorrect because they pay them. I explained to the person that the creditors are reporting incorrectly by changing the filed date so that the accounts can stay on my report for longer. The person at Experian then said that he would submit the claim. On XX/XX/XXXX I received paperwork that said they could not use the paperwork that I provided them and that the accounts will remain on my report until XX/XX/XXXX. The paperwork I provided them is from the US Courts and they could not update my status with official paperwork from the court system that clearly states when my bankruptcy was filed and closed. The actual public record from the bankruptcy has been deleted by the courts and the creditors continue to fraudulently report items on my report. The accounts I am referring to are : XXXX XXXX XXXX, XXXX XXXX partial acct # XXXX. This account was discharged through the bankruptcy. 
( 2 ) XXXX ( XXXX ) XXXX XXXX, XXXX XXXX The first account is reporting as if it was n't included in the bankruptcy and it is reporting late payments. It was included and discharged with the bankruptcy. The second XXXX ( XXXX ) account

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 03/13/2017 about Credit card () with TD BANK US HOLDING COMPANY (MN).
Issue: Billing disputes

Complaint: I received a late fee on my account, which i was told ; would be forgiven. I was instructed to subtract the {$25.00} late fee from my total balance. I subtracted the {$25.00} late fee and paid my balance in full. Recently I received a statement from the credit card holder. Assuming there was zero balance, I prepared to tear the statement for disposal. While tearing the statement I found there was a {$97.00} balance. I called the merchant right away to clarify the Charges because I had made NO purchase since the last balance pay off. After calling the merchant I found that the {$25.00} late fee was not waived as promised and go figure Target said they had no record of the phone call where the rep promised to forgive the {$25.00} late fee. In addition to Target not waiving the late fee they charge additional late fees on top of a late fee. Target the Merchant offer no options to resolve the issue, I was only able to speak with collections who has no capabilities of resolving balance issues, from my understanding Customer service does but my account can only be handle by collections. Collections continue to call me to threaten additional late fees although I closed the account and request to formally dispute the amount, they continue to charge late fees on a late fee balance with no means to resolve the issue. the balance on my account is all driven from the targets ongoing late fees not one cent is from purchases made by me. I have been a Target credit card holder Since XX/XX/1993 I do not have a history of late fee 's or outstanding balances, Target recognize my account history but offer no options to retain me as valued customer not one. Sounds like they want to keep the issue open so they can continue adding late fee expense to my account

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IN).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have this credit card that keep inflating my payments, which in turn increases interest and late fee charges! At first it started out as a normal transaction with them ( which was affordable ) now it has gotten out of reason. date new balance past due amt minimum payment due XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 01/25/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Company will not give me clear information on repayment options. I called today because I keep getting emails that my account is delinquent, the lady was very rude and abrasive with me. She was telling me the only option I had was forbearance and wouldnt answer my questions about the differences between the repayment plans. She also told me that my account was automatically put into forbearance following a major hurricane in my area. The lady from Navient ended up hanging up on me because I wouldnt let her get away with not answering my questions. They say I owe XXXX for ONE semester at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is trying to collect {$180.00} from me for a debt they claim I owe. I have written them several letters since  XXXX    XXXX   demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by (  1  ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have  ( or ever had )  some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

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 06/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Letters and phone calls continue to be received from Harris & Harris of Illinois , Ltd, attempting to collect a debt of {$590.00} from XXXX. The debt has already been paid, yet we continue to receive letters & phone calls from Harris & Harris.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Please see letter dated XXXX/XXXX/15. My mortgage for acct # XXXX is auto draft each month. I paid XXXX XXXX XXXX XXXX tax XXXX/XXXX/15 from my checking account at Bank of America. I also paid said tax to the same school district, the same time for XXXX other accounts, no problem with the taxes paid for properties : XXXX XXXX XXXX XXXX XXXX Texas XXXX and XXXX XXXX XXXX XXXX Texas XXXX. 

Bank of America in XXXX 2015 started an escrow account and funded it with part of my loan payment thereby making my XXXX and each month after late. Please see list enclosed. 

This is affecting my ability to get a loan, Bank of America turned me down for a loan citing late payments on my credit report that they refuse to remove even though they wrote me a letter saying otherwise. I would like the bank to fix this immediately and post a letter at all credit agency and mail me the same letter certified for my files.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
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 had unauthorized charges on my account. I called Citi Bank 's customer service to report the charges as fraud and to dispute them. Citi Bank issued a new card upon my request. The merchant ( XXXX ) then charged me a " non-return '' fee for not return the items that were purchased fraudulently. When I called Citi Bank about this new fraudulent unauthorized charge, I was told that the original charges do not appear on my account ; they began a new dispute and I was issued a credit. Citi Bank reversed the credit 3 months later after the merchant response. Upon calling Citi Bank again I was told that my case was never sent to the fraud department and remained as a merchant dispute. I was told I was transferred to fraud/security. They advised I send a reply letter. I received an email on XX/XX/XXXX notifying me of a letter dated XX/XX/XXXX ( it took 3 days to notify me ). Citi Bank stated the charges were valid and were closing the dispute and that if I wished to continue Id need a credit slip which I dont have because the charges are fraudulent. Upon calling, I was told that my case was never transferred to the fraud/security department.

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 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Experian advised that they verified incorrect information reporting on my credit report. I asked for proof of the verification and was not provided any. I was advised that the information was verified, however I have never been supplied with any proof. After going to company that Experian alleges that verified information, I was advised in writing by XXXX XXXX and Bankruptcy court that the information provided by Experian is a lie because the courts do not verify information. XXXX XXXX also advised that they have not supplied Experian with any information regarding this incorrect information that is erroneously reported on my credit report. It is very evident that representatives at Experian are NOT verifying or validating any information, however are only responding with form letters without any due diligence.

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