milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Managing the loan or lease

Complaint: I had a XXXX month lease with Honda Financial which was paid on time, every month. The lease was opened in XXXX XXXX and closed XXXX XXXX. Due to my real estate business, I had to declare personal bankruptcy in XXXX XXXX, a full XXXX months following the end of my lease with Honda. By their own admission they never closed out my lease and put my account into their bankruptcy dept. I, however, NEVER included Honda Financial as part of my bankruptcy petition and the account should have been closed as paid, satisfied, on-time as of XX/XX/XXXX. My credit report prior to my filing showed the account in good standing. After filing my bankruptcy, again, in which Honda was never included, the account is now showing as " closed-derogatory '' and included in bankruptcy. I have contacted Honda multiple times and even have a letter from them stating that my account was paid, on-time and closed in good standing as of XXXX XXXX. However, when Honda Financial reports to the credit bureaus they are still reporting the account in bankruptcy. It was fixed and then they reported in XXXX XXXX ( not sure why since the account is " closed '' allegedly ) and it is back to being reported derogatory and in bankruptcy. I have spent countless hours trying to get this corrected, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: Ive been having problems with Wells Fargo saying that I have an available balance in my checking account that o do n't actually have so I removed overdraft protection off my account so that I would not be able to spend what I do not have. My account is overdrawn because of a transaction that was allowed to go through when I did n't have the money and I was charged an overdraft fee. I also have a purchase pending that I paid for with debit so should have been instantly removed from my account. Wells Fargo is continuously conducting fraudulent activity on my account. The reason the law was made for banks to give people the option to remove overdraft protection was for this very reason and wells Fargo is doing their part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My home loan went into default XX/XX/2014 with XXXX XXXX, due to a temporary hardship. The hardship was resolved and an application for loan modification was submitted ( XX/XX/2014 ). Since the original submission, and to date, XXXX and its servicers have rotated at least XXXX " Preservation Specialists '' on my applications, lost or arbitrarily rejected multiple loan modification requests, applied arbitrary qualification criteria, transferred servicing to another company, and has repeatedly misrepresented the status of the application and required substantiating documents. After being told by XXXX that the loan was not in active foreclosure and they were working with me, on the same day they filed foreclosure. Defending myself in court has been costly and distractive, as well as a cost in emotional stress and lost wages. Meanwhile, the finance charges grow and related administrative fees increase. My consumer credit counseling representative suggested a complaint is in order. I have also filed civil counter claims.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CRA VIOLATION / TOO MANY INQUIRIES NOT AUTHORIZED BY ME / CRA VIOLATION ACCOUNT NEVER LATE.

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 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with M&T BANK CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I closed my checking account with this bank last year and made sure the account was closed with a {$0.00} balance. I 'm now seeing that they are reporting a charge off amount for the account! Nothing was owed to them and they would n't even let me close the account with funds still in the account which had to be withdrawn or spent, so how is it possible to charge off an account that wa s MY  money??? Not only that, but since the account has been " charged off '' the balance is continuing to increase. Also, this same bank pulled my credit as a hard inquiry in  XXXX  of   XXXX  , even though I do n't have any accounts with them or ever gave them permission to run my credit.I live in a state that this bank is n't even in and have no need for their services so I would n't have been looking to take a loan out with them.

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 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: i am attempting to manage and restructure my debt and budgeting and capitalone is refusing third party access to my accounts that i am trying to grant. every other account of mine has provided access - i was directed to file this complaint by my third party planner to hopefully rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: When I got out of school XX/XX/2010 I paid Navient a check for XXXX to pay down my student loan debt and they never credited my account. I have hired an attorney and I made them power of attorney on my account. Navient refuses to send me copies of payments made to me or them and they will not accept the power of attorney that we have sent them several times. Please I need help on what I should do because my loans keep adding up and I cant afford to pay this debt because they will not credit me the right amount that is owed. I paid the XXXX to XXXX because that was who I was advised to make my payment to from the school please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Retrieval-Masters Creditors Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: RMCB is attempting to collect on a supposed past due charge for XXXX. Neither I nor any member of my family has ever purchased XXXX, especially on credit. This is completely fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Bank account or service ((CD) Certificate of deposit) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I have been trying to close my deceased Father 's account with Citibank since XXXX, at which time I was wrongly advised Citibank was working on the matter. Three weeks after I had completed about a dozen pages worth of forms I received notice from Citibank that I was claiming the assets as my deceased Father 's " next of kin, '' despite the fact that I had submitted a XXXX page letter explain how my legal right to the money was due to a Trust agreement of which I had submitted appropriate pages to Citibank. From there Citibank made the assumption, also erroneous, that the total value of my deceased Father 's assets at the time of his death were less than {$150000.00} and required me to complete a form affirming such, or Citibank would wrongly maintain control of money which legal belongs to the beneficiary of my deceased Father 's Living Trust. 

Citibank has dragged their feet each step of the way, and has now proven themselves uncooperative. I would very much appreciate some help on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (PA).
Issue: Taking out the loan or lease

Complaint: I returned a leased Kia to a Kia Dealer and purchased a new Kia. It was a demo car with XXXX miles on it already so I could not get it financed through Kia with 0 % financing. I got the final bill on my lease agreement and they are charging me a disposition fee of {$400.00}. I called and asked to have it reversed and they declined, stating that " You did n't really buy the Kia, Capital XXXX did. '' I did n't have an option of financing my Kia through Kia. I already paid a higher percentage rate as a result of buying a demo car. Now I am expected to pay additional fees when I remained loyal to the brand? No one disclosed this fee to me at the time of closing the deal either. This is a very deceptive practice and the fact that it would not even be considered for review feels very wrong to me.

Company response to consumer: Closed
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF OMAHA (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was alerted by XXXX XXXX because my identity was stolen on XX/XX/XXXX that FNB Omaha had accepted a fraudulent application for credit. Upon notifying them by telephone they refused to disclose any information to their fraud department because they said they could not prove it was me, but after 24 hours I received an alert that they closed my legitimate XXXX credit account and lowered my credit score in doing so even though that was not what I was told they were going to do, or not do. 

Now I have to worry that FNB Omaha has an open application for credit that was done online by a thief using my ssn, dob and full name. 

HELP! They should not be allowed to keep that account open that is FRAUDULENT.

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 08/17/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: In the XX/XX/XXXX green tree servicing bought out the servicing rights from XXXX XXXX XXXX. The first month and a half were as usual, the people were confused but helpful when I called and asked what happened with the transfer of servicing. I had mailed my XXXX payment with my XXXX payment book statement as we always did. Two weeks later we received a late notice. The notice informed us that the full amount had not been paid, that they had increased our escrow amount to match what they called their policy. they like to keep an extra 6 months on top of the normal escrow amount available. We called and they told us about their escrow policy, two days later we received a letter in the mail detailing their escrow policy. So basically we had the option of our rental propertys loan to go up XXXX a month or pay XXXX. I refused to pay any additional escrow above what was needed. That 's when the phone calls started, a representative named deny called me XXXX times a day, telling me I was not fulfilling my obligation to green tree. Not fulfilling my obligation as a man he once said. One time even sending me to another representative to try to get me to start the short sale process, on my home that in his opinion was way underwater. XXXX which it was but so was everyones ). My argument was I had an agreement with XXXX and they should honor that not vice versa. Still the calls came. finally we did write a check for the additional escrow after three weeks of nonsence, and filed a complaint with green trees management. Two months later I refinanced XXXX. It was worth paying almost XXXX in closing costs to rid ourselves of this bogus XXXX company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or around XX/XX/XXXX I received a letter letting me know my mortgage loan had been sold to XXXX XXXX XXXX services from XXXX XXXX XXXX. XXXX started collecting my payment since XX/XX/2018. On or around XX/XX/XXXX I called into XXXX to dispute the account still showing open, yesterday I got my an email about the results of my dispute and the dispute came back verified no changes. I don't know how they can verify the account still open XXXX XXXX XXXX   have sold the loan. The Loan needs to report closed paid in full from all 3 credit bureaus XXXX, XXXX, and Transunion.

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 01-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I noticed cash advance against my citi bank credit card on XXXX 2017 for an amount of {$140.00}. I called citi about the transaction since it was a fraudulent transaction and the customer service rep. told me that the amount was withdrawn using a cash advance check. When I informed them that I had this was a fraudulent transaction, the bank assured me that they would investigate the transaction. I called the bank again and they told me that they would refund the amount. I asked them to also close the account since I was not using the credit cards and the customer rep. assured me that the they closed my accounts and the issue was settled. 

A few months later I received a letter from citi informing me that they had requested additional documents from me ( I did not receive any additional communication from them ) and since I did not respond to their request they charged me for the {$140.00}. I had auto pay setup on the account and this money was deducted from my bank 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 explanation
Consumer complaint received 09-04-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a number of student loans, and am on forbearance. I was basiclly bullied into it with constant phone calls as I was trying to make ends meet. I finally gave in. Now I have mounting interest. My eldest sister is also currently facing similar issues but XXXX XXXX now Navient is harassing me and calling me and bullying me to contact my sister to call them back. I have been told this is illegal and as a person who knows I will carry this debt with no hopes of owning a home or car, I can not continue to be harassed by a company when I am an honest tax payer and trying my best in a economy not doing well. I have over XXXX in student loan debt and I am paying for it emotionally and financially. It is a burden I feel that needs to be taken seriously but I am constantly overlooked as many people in my bracket. I will continue being a good and decent human being but I do not believe it is right to attack me over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar refuses to apply payment correctly. To make it simple - Nationstar HAS received our payment for XXXX 2016. They have misapplied it. They have CASHED all our checks. Why is this company allowed to continue with their HORRIBLE business practices???? They have hurt my credit BADLY by saying we are behind on our payments!!!! The worst thing is this is the SECOND time they have done this to us. 


I expect an APOLOGY, I expect my CREDIT score to be corrected, and I expect the two checks that they RECEIVED for XXXX 2016 in the amounts of XXXX and XXXX which total the CORRECT amount due for XXXX to be applied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I paid for XXXX XXXX credit repair service to provide ways of removing old or incorrect data from my credit reports.
Some items were removed except Navient who first reported that I was on default for 90 days during the timeframe of XX/XX/XXXX-XX/XX/XXXX. I had submitted application for forebearance because I had returned to grad school.
As you would assume, these items, incorrect or not should have been removed from my credit reports because these items are over 10 years old.
XXXX XXXX supposedly contacted them requesting a response but not only did they not respond to me Navient has yet to remove these items of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A rent-to-own company called XXXX XXXX is reporting that I have an unpaid {$3800.00} charged off account on my credit. The account number being reported to my credit is " XXXX ''. I have never had an account with this company and this debt does not belong to me. At first, I thought this was a reporting error by the credit bureau but after more than five months of disputes, Experian has not deleted it because they keep saying it is my account and I need to call XXXX XXXX to handle this. This is where my problem begins : I have called XXXX XXXX on the number provided to me by the credit bureau letters and they are telling me that the name the account is under is " XXXX XXXX ''. That is not my name. My name is " XXXX XXXX ''. I have tried getting them to send me some sort of supporting document or proof that the account is under this other person 's name but the regional manager will not give me any information because the account is under XXXX XXXX and I am not that person. This is ridiculous. What am I supposed to do to get this account off my credit? If XXXX XXXX does n't delete this from my credit report or mail me a supporting document I can send to Experian, I am going to file a police report for fraud. I have never had an account with this company.

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 03/21/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I would like the credit reporting companies to update their reports. I have been paying this debt for quite some time and it is now satisfied. I would like it removed from the reports.

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 01-05-2017 about Debt collection (Credit card) with Northstar Location Services, LLC (KS).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XXXX XXXX, 2016, I was informed by my father I received a letter at his home from the referenced collection agency. Upon calling on the same date, I spoke with a XXXX XXXX who stated my account was in a " Pre-legal state. '' I immediately asked to speak with a Supervisor and was connected with a " XXXX '' who said that they state that on all of their calls for this credit card because the creditor makes a decision if they will close the account and have their in-house attorney sue on them. 
This is a clear violation of Section 807 " False or Misleading information '' of the FDCPA, because the referenced statement implies the collection agency could sue me when it is up for the company, and even by " XXXX '' own admission the collection agency does not sue people. 
Additionally, legal action would not be immediately taken, as the attorney is required to send a letter of demand/validation notice before filing a petition with any court. 
I also feel the name Northstar Location Service is deceptive as it implies they are a location company, not a debt collection agency. 
Additionally, I have never received a validation notice regarding this account, as I stated I had moved and was never asked for an address on where to send the validation notice.

Company response to consumer: Closed
Consumer complaint received 04/14/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This CC is about 8 to 10 years old. I did a dept consolidation last year to clear all my dept and this was not part of my dept, i knew nothing of this dept. In a process of getting a mortgage loan it showed up on my credit as collection. I have a problem with it being on my credit and i am willing to negotiate and come to an agreement to pay it off. Even though i never received any notice from Midland Funding LLC for the past 8 years. 
After several attempts to negotiate on a amount to pay it off, they keep refusing. i am getting frustrated because its on my credit and also affection my ability to buy a house.

Company response to consumer: Closed with explanation