milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2017 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Taking out the loan or lease

Complaint: To whom it may concern ; Concerning the subject in the reference line, please allow me to detail the facts of which I believe that I have been a victim of trickery in the leasing of my vehicle. 

On XX/XX/XXXX I signed a leasing agreement with the XXXX Company where I purchased a vehicle with ID XXXX, model XXXX, for {$15000.00} with monthly payments of XXXX for 36 months, as stated in contract No. XXXX. 

I have received several calls from this same concessionaire and contacted by an employee of this company named XXXX, who stated I qualified to renew my lease and with this news I was motivated to renew it again. I then went to XXXX to learn more about the terms and conditions of the renewal and agreed to do so. I was told the remaining payments of the previous lease would be assumed by them. Hence I leased a new vehicle, according to contract XXXX dated XX/XX/XXXX. 

However, believing that the previous payments were made by the concessionaire in a timely manner in accordance with the express commitment made by them, with great surprise and disappointment, I answered a call from XXXX., On XX/XX/XXXX, where I am told about the delay in payments on my account and that this would affect my credit since one of the payments of the contract of Initial leasing purchased with XXXX under contract XXXX had not been made. Desperate in the face of this situation, I tried to explain to them of what was agreed with the concessionaire and that I was not responsible for such payment, since I had renewed the lease with that same concessionaire and that the debt of the previous lease would be paid by them. To that the collection agency responded that they were not aware of this, but that apparently this practice was common with this concessionaire because they already had reports of other cases similar to mine and despite the circumstances and knowledge about this dealer, they could not do anything about it, and that the only option I had was to make an immediate payment of the outstanding fee and not reported and that with the register 's receipt of cash that they gave me claim it directly from the concessionaire. 

They offered to close my case in full if I immediately paid the sum of {$300.00} instead of XXXX which was the total due on my account. They also pointed out that they were not the ones in charge of reporting to the credit bureau and that the only ones who could do so was HYUNDAI MOTOR FINACING, and that their work was only collections. 

When I realized the seriousness of the matter, the first thing I did was to make a payment in the amount that the agency told me to pay immediately so that my credit record would not be smeared and my financial rating would not lower my credit score. However, the consequences of being late in payments and not being notified on time about this situation had already been created.

Company response to consumer: Closed
Consumer complaint received 02-05-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I have a home mtg with Chase. Account number XXXX is partial number. last XXXX of my ss are XXXX. My name was XXXX XXXX at the time and this is the name account is under. My mortgage was included in my bankruptcy. This account is well over 7 years old from first delinquency. By law this account needs to be removed from my credit report. Even though payments are not being reported and I have a XXXX balance this is still showing up as a negative on my XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an XXXX XXXX XXXX account on my report. i have submitted the correct paperwork provided by the XXXX XXXX XXXX. this account was fraud and should not be posted on my 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 07/29/2016 about Bank account or service (Checking account) with DISCOVER BANK (NJ).
Issue: Deposits and withdrawals

Complaint: The problem is with Discover bank debit card. It is going for 6 weeks and not yet resolved. Every time I call they are not able to give me any time estimate for the resolution. Each time they tell me that finance department is working on it. There are 2 transactions dated XXXX/XXXX/2016 in the amounts of {$4.00} and {$4.00}. These are not valid transactions. They are not able to give any information on these transactions. 
Their phone number is XXXX. My last contact was with supervisor XXXX. The debit card is associated with checking account that ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Other

Complaint: THERE IS XXXX INQUIRES ON MY CREDIT REPORT. AND WHEN I CALL BARCLAYS BANK DELAWARE THEY HAVE FAILED TO SEND ME PROOF THAT I MADE THE INQUIRES

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America mortgage complaint. 
I am having trouble dealing with Bank of America on a mortgage. There are XXXX issues. 
1. I want to do a deed in lieu but they are directing me to a refinance. they say i have to be reviewed for a refinance before they can look at a deed in lieu. 
2. I have submitted all of the required information but they keep requesting the same information that I have already submitted. 
These delays are preventing me from proceeding on disposal of my property

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (I do not know) with Halsted Financial Services, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: phoned work number at XXXX and at XXXX XXXX/XXXX/16 and XXXX XXXX XXXX XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 EXCESSIVE CALLS TO WORK NUMBER MUST CEASE

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with DataMax Corporation (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a debt collection item on my  XXXX  credit reports for an unpaid utility bill that I never opened.  XXXX   XXXX   XXXX , a  utility  company in   XXXX   XXXX    seems to believe that I opened an account in  XXXX . I enlisted in the  XXXX  in  XXXX , and have not lived in   XXXX   XXXX   since then. I am currently stationed in  XXXX , and wad previously in  XXXX . I 've also resided in military housing ( ie. barracks ) since  XXXX , where I have no rent or utilities. Furthermore, I was  XXXX  in  XXXX . In short, I had absolutely  zero  reason to open a utility account with  XXXX  or anyone else. It was not me who opened this account. If someone used my information, they did not have my permission. I have filed disputes with the  XXXX  credit bureaus. Thus far,   XXXX   is the only one to have competed their " investigation ''. They have decided to keep this fraudulent negative information on my credit report. How can I get the collection agency and the utility company to remove this false report from my credit???

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Charged fees or interest you didn't expect

Complaint: Within my contract sent to me by a law firm on behalf One Main there are two different interest rates listed along with different loan dates. One is over 30 % and the other is XXXX. According to Florida Statues Chapter 687.02 usurious contracts should not be charged at an insterest rate of more than 18 %.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My initial loan was for {$20000.00} with XXXX XXXX in 2007. As to date I have paid over {$15000.00} back to them and my outstanding loan balance is at {$22000.00}. I have spoke with them about hot to get it paid down and they have sent me statements showing how much goes to loan and how much to interest. there are months that {$0.00} goes to principal and next month only {$20.00} will go. My loan is now through Navient and I have spoke with them many times and I can not get answers as to why so little is to principal and how I have get the loan paid off faster. Based off their plan i will be paying them for the next 20 plus years to pay this off. I have asked about my payment process time and get no answer. I post a payment online and up to 7 days later it will come out of my account and posted to my loan, the entire time this is processing they are compiling interest on it daily. financially it makes since for them to take longer to process but it is screwing me over. Is there anything that can be done or I can do to get away from them?

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: For purposes of this complaint, I will report only for the year of 2013. 

I was a cardholder and full joint account holder with my ex-wife for Citi Advantage card # XXXX. I was responsible for the debt, the card is reflected on my credit report, Citi provided information on my credit report, payments made to Citi for this card were made directly from my personal checking account to Citi and I have records reflecting thos payments. 

Between XX/XX/XXXX and XX/XX/XXXX Citi collected {$27000.00} from my personal checking account. They refuse to show any charges or provide me with statements. They are saying the primary account holder removed me from the account which reduced me to 3rd party status. I WAS NOT AN AUTHORIZED USER. I WAS A JOINT ACCOUNT HOLDER RESPONSIBLE FOR THE DEBT. The primary account holder was engaged in fraud and will obviously not simply give me evidence that will land her in jail. But Citi was taking money from my account and I can prove it. The balance transfers conducted were made by someone listed as an 'Authorized User ' status that had no responsibility for the debt. I was defrauded by my ex-spouse who was creating debt and conducting large balance transfers on this card. She dropped me off when she filed for divorce and citi is withholding all evidence of the massive fraud perpetrated on their customer, the consumer who was paying the bills! 

The privacy laws cited were designed to protect consumers from unwarranted government intrusion into the private financial records of consumers. They were NOT created for one consumer to hide money stolen from another consumer. Citi is withholding evidence of fraud. I can show they took money from my XXXX checking account - I want to see the debt for which they charged my account or I want a refund right now.

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 11-10-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland credit management, inc contacted me to collect a debt. I am in the process of paying off my debt and i had believed i was finished. 
The debt did not show up on my credit report so i requested more information from the individual at midland. He refused to supply anymore information or debt verification. I gave up and stated that i would pay in full as long as they could provide me what we had discussed in writing as i had with all the other company 's. Midland refused to provide this as well so i hung up. 

They keep sending mail, they call my cell phone at all hours of the day, they contact my work looking for me, and have even called relatives and friends of mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I 'm based in the XXXX and sent funds to coinbase.com to purchase some cryptocurrencies. 

I made 4 payments to Coinbase but forgot to include the reference number XXXX. My first payment made in XX/XX/XXXX did have this included. You 'll be able to see it 's the same bank account. 

Amounts and date sent :XX/XX/XXXXXXXX Euros sent. Bank Reference/Transaction ID  XXXX XX/XX/XXXX XXXX Euros sent. Bank Reference/Transaction ID XXXX XX/XX/XXXX XXXX Euros sent. Bank Reference/Transaction ID XXXX XX/XX/XXXX XXXX Euros sent. Bank Reference/Transaction ID XXXX Support case ID Case ID : XXXX was created : XX/XX/XXXX XXXX PST. However, there have been no responses via their support portal or twitter ( as per their recommended procedures ). Telephone number XXXX ( XXXX ) XXXX has been listed however they will not discuss deposit or withdrawal enquires leaving me dependent on their portal as the only means to try and establish some contact. 

My account details with Coinbase are as follows : Name : XXXX XXXX Email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was wrote off and paid. I have no contract with this company and do not owe this debt. I requested verification and received nothing

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Debt collection (I do not know) with Meade & Associates, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've contacted this company regarding XXXX accounts that they are reporting to all XXXX credit bureaus. I 've contacted them requesting competent validation of proof of the account and the information that they are reporting to XXXX, XXXX and XXXX. I 've never received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/13/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Money was not available when promised

Complaint: I used ebay to sell some old electronics. Without notice Paypal placed a hold on the funds in my account sent by the buyers. Paypal agreement states " Paypal may place a Reserve on funds held in your Business Account when PayPal believes there may be a high level of risk associated with your Account. '' My account has been open since 2000, I have a 100 % positive feedback. I emailed PayPal to explain the hold or why they believe my account is " high risk '' - I received NO response. Paypal agreement states " PayPal will provide you with notice specifying the terms of the Reserve '', I received no notice - I emailed Paypal asking for the terms and if future payments are held NO response. I am a long time customer, I am not high risk, Paypal just wants to collect interest on funds that do not belong t them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/18/2015 about Mortgage (Other mortgage) with Residential Credit Solutions, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: RCS the service provider rejected my Loan Modification Request on the basis that I did not provide them with documents in time. I disagree with them and am now resubmitting a brand new application. 
To ensure that MHA guidelines are followed, I am submitting a copy of my Loan Modification Request to CFPB. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (UT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: From XX/XX/XXXX, I took out student loans. In XX/XX/XXXX I consolidated my loans for a balance of around {$47000.00}. I 've claimed forbearance once in this time period. As of today, I still owe over {$34000.00}. According to AES, I 've paid {$75000.00} in principal and {$34000.00} in interest for a total of {$110000.00}. I 've attached screen shots and downloaded loan details as part of this complaint. How can I have paid over {$75000.00} in principal for a loan that was originally around {$47000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (I do not know) with Second Round Limited Partnership (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Violation of 809. Validation of debts [ 15 USC 1692g ] I sent SECOND ROUND SUB LLC, a letter requesting validation of debt and they failed to respond with original creditors name, address, original date of delinquency, proof of debt, copy of original contract, payment history and proof of State of Maryland XXXX and Resident Agent name as required by the State of Maryland ; Code of Regulations 7-104.

Company response to consumer: Closed
Consumer complaint received 05/29/2017 about Debt collection (Payday loan debt) with Direct Recovery Services, LLC (TX).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: On  XXXX   XXXX ,  2017, I wa s contacted by Direct Revoevery Services which indicated I owed a debt and that they had personal information which indicated I had to pay the debt. This initial contact was via voice mail. I contacted them concerning the voicemail and spoke with an male who refused to provide me with specific information regarding the debt. He was rude and kept insisting that I had to pay the debt or else. He further indicated that he was NOT going to provide me with any written information as requested regarding the debt. He refused to answer any questions I might have only repeating that I had to pay the debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
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: According to the Fair Credit Reporting Act, Transunion is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report. 

Transunion needs to verify through the physical verification of the original signed consumer contract on all accounts they are reporting on my credit report. I have sent Transunion XXXX letters starting in XXXX asking them to provide proof of the debt they are reporting. I requested Transunion to provide a copy of ANY original documentation ( a consumer contract with my wet ink signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Transunion have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They told me they have " asked '' the  alleged creditor to validate the debt, insteading of having a copy of the original creditors documentation on file to verify that this information is mine and is correct. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

With each account that has been reported due to their neglect on having physical verification of the original signed consumer contract, has personally and financially harmed this consumer in obtaining credit through financial institutions. I am asking for a XXXX dollar settlement for each account that Transunion has reported in error and for Transunion to take immediate action in removing all items from my credit report where they can not verify through the physical verification of the original signed consumer contract.

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 Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Making/receiving payments, sending money

Complaint: I was issued a {$12.00} fee for Returned Check fee for a check that my renter wrote TO ME. Since the bounced check was written to me, and since I did not cause this action, I do n't think that Chase should be penalizing me for the actions of others. They should charge the person who wrote the check and not add yet another fee to the person who expected to get funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA).
Issue: Fraud or scam

Complaint: My XXXX year old father sent numerous wire transfers and money orders/money grams to someone he met on the internet. ( both domestic and international fund transfers ) The total amount is approximately {$700000.00} and took place from XX/XX/XXXX-XX/XX/XXXX. My Dad had a XXXX and XXXX, but I found documentation and account numbers and emails and have enough information that this should be traceable. I believe this is an organized crime that my Dad fell victim to. Please help investigate so this doesnt happen to other XXXX citizens.

Company response to consumer: Closed with explanation