milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (MA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I have a vehicle lease with   XXXX   XXXX    XXXX .   I was told that I have been missing my first payment and have been late ever since. I have made multiple calls correcting the issue and even paid the late fee once. Currently, they are still compounding my late fee again and it has risen unto {$260.00} I have made repeated requests to correct the issue but no action has been performed by the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 was a victim of Identity theft, I submit the police report my ID, proof of address, government id, basically everything they require and they still have not remove inaccurate items from my credit, even with the XXXX cancellation of debt due to ID Theft. I do n't know how companies investigate, I do n't think they read the information they request or they do n't properly investigate. Please see previous complaint ID # XXXX, XXXX, XXXX. I have been emailing proof that. <P/>XXXX Loan # XXXX this account is not mine, and XXXX verifies with XXXX with XXXX, at XXXX on a verbal verification that this account is not being reported, that it should be deleted. Even when they did the verification over the phone and the account is still reporting on my credit. It 's a shame they do n't follow laws and they do whatever they want with people credit. Please see letter from XXXX attached. <P/>XXXX account XXXX That account is not mine, is Fraud. XXXX Account # XXXX That account is not mine is Fraud. XXXX 's Account # XXXX That account not mine is Fraud, XXXX 's sent me a XXXX a cancellation of debt. Please see attached. XXXX XXXX XXXX This account is not mine, it was fraud, I received a Cancellation of Debt for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following account is fraudulent and unauthorized : XXXX XXXX XXXX, I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Review attached document. I never applied for a XXXX XXXX personal loan. The account is not mine. Its a fraudulent and unauthorized account. My correct date of birth is : XX/XX/XXXX. There person who opened the fraudulent account had a state drivers license in my name, with a picture of me with the date of birth of XX/XX/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 non-monetary relief
Consumer complaint received 11/29/2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2016 Insurance loss check was sent to DovenMuehle Insurance for endorsement to pay for insured repairs to property. The check was in the amount of {$15000.00}. 
Two months later, XXXX XXXX, 2016 the check was returned to me for my signature at which time DovenMuehle cashed the check. 
On XXXX XXXX, 2016 ( three months later ) I received a check for {$5200.00}. The only correspondence I have rec 'd from DovenMuehle was the check and a blank lien waiver. Apparently, I was supposed to front all of the monies for repairs. 
XXXX XXXX, 2016, I returned the completed contractor lien waiver, via priority mail with a request to release the remaining funds. No correspondence from DovenMuehle. 
On XXXX XXXX, I called and after 30 minutes talked to the Loss Draft department who informed me that they needed an inspection before they could release the funds and that could not be completed for a minimum of 10 days. I was also told that this process had been outlined in their correspondence to me. I have never rec 'd anything from them regarding this claim. 
Please note that the insurance check was not the final XXXX it was in fact the funds necessary to complete the work. DovenMuehle has been retaining those funds for almost 5 months with no resolution. Can you please investigate?

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (I do not know) with Citi Management Group, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A XXXX XXXX @ Citi Management Group keeps calling at my place of work after she was told by myself and supervisor to not phone me at my place of work. Personal phone calls can get me into trouble. I repeatedly asked for the alleged debt i owe to be mailed to my XXXX XXXX so i can verify the info. I was refused and was sent a email instead that had no real info. She requested that i pay the debt over the phone at that very instant. I requested the original creditor, amount, name, phone and address and was denied that as well. The said debt is from 2011 and that is all the info i was given. Today she called my work again as well as my cell phone. My supervisor took the call and was told by XXXX XXXX that i owed a big debt and wanted my HR contact to garnish my wages. She called my cell phone 2 times in a row and left a voicemail stating if i did not contact her by the end of the day she would move forward and take legal actions. I still have no idea who the original creditor is.

Company response to consumer: Untimely response
Consumer complaint received 01/15/2017 about Consumer Loan (Vehicle loan) with Experian Information Solutions Inc. (NC).
Issue: Taking out the loan or lease

Complaint: Response disputed Experian said : Explanation of closure Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
Please see the attached document that includes our response to your complaint. 
Thank you. 
Relief The disputed accounts do not appear on your current Experian credit report The top portion is a copy and pasted portion of the response in regards to the XXXX XXXX account. This was sent to the CFPB. Please update my credit report to correctly reflect this. I have been attempting to correct theses errors since XX/XX/XXXX and why Experian does not feel as though they need to correct the errors is beyond me. Please correct the credit report and delete the XXXX account. I have personally provided you with documentation from Ally stating this account does not belong to me. I have also provided you with a certified letter I sent to Ally requested documentation. They have no documentation that belongs to me. Therefore, they could not provide anything. XXXX XXXX has admitted to the fact that they did not call and confirm XX/XX/XXXX as I did have a fraud alert and freeze on my credit report since XX/XX/XXXX. I do have a credit report that reflects the same. Why Experian changed the date to XX/XX/XXXX is beyond me. This is negligence on the part of the creditor and the credit bureau according to the FCRA. If you would, please correct my Experian credit report. I never asked for a re investigation. The account has been deleted, it can not reappear, I received a credit report from Experian where it clearly stated XXXX XXXX had been deleted. This account can not be put back on my credit report once it has been deleted. That is what the FCRA states anyway. Based on the statues, and the fact that this account does not belong to me, and based on the fact that I have done everything in my power to obtain documentation and XXXX XXXX has nothing this account must be deleted

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 09-01-2016 about Prepaid card (Gift or merchant card) with CITIBANK, N.A. (MN).
Issue: Unauthorized transactions/trans. issues

Complaint: I received a prepaid debit card from XXXX and issued by Citi. The card was loaded with a predetermined amount, and specifically states that you can not reload the card or obtain more funds than are listed on the card. The card now has a negative balance. I contacted Citi by phone to determine how this is possible given their rules and that it really should be impossible for such a thing to happen. They stated that I had tried to make a purchase greater than the amount on the card and that it was approved due to a glitch or lack of a mechanism in place by the merchant to check for available balance. Now, I am told that I may be subject to undisclosed fees or debt collection if I do not submit a money order or cashier 's check to an address provided to me by customer service. I 'm told that I 'll just have to wait to be contacted by the " risk department '' and they ca n't tell me if the debit balance will be turned over to a collection agency or what, if any fees may be applied to the debit balance while I am waiting to receive a request, in writing, that explains how to deal with this matter. I think that the burden here lies with Citi. They should have had a mechanism in place to ensure that a transaction greater than the card balance would have been declined. This is a poor and murky business practice that places undue burden upon the consumer. I would like to be contacted by someone at Citi and to be provided with a written explanation of how to resolve this matter in a timely manner.

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 11/22/2016 about Debt collection (Medical) with Certified Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical bill was not paid by my father. It went under my name and into collections for me. It was paid in 2015 by myself and it still has not fallen off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Consumer Loan (Vehicle loan) with Coastal Credit, LLC (NV).
Issue: Problems when you are unable to pay

Complaint: I had a vehicle repossessed, but the repossession letter went to an address I never associated with, thus I never had knowledge that the original signer on the loan had become delinquent. I was the co-signed. I submitted a rebuttal letter to the repossession and notified the creditor that if I had been properly notified I could have rectified the situation. Since the vehicle was already sold, and I was not made aware prior to the sale, the creditor responded in a court document that I would not be held liable for the debt. This decision was granted six years ago. I was made aware two ( 2 ) weeks ago that the creditor is now negatively hitting my credit rating for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This is a complaint against ALL XXXX credit reporting agencies. 
I have reached out to all three credit agencies ( XXXX, Transunion and XXXX ). As well as contacted XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and the original Creditor who was to finance a possible car loan, XXXX XXXX XXXX. 

No one responded to me, except XXXX and Transunion. I completely disagree with all three credit bureaus as they refuse to combine the multiple inquiries from one company ( XXXX XXXX XXXX ) which MUST be combined, when done within the same time frame for the XXXX company. 

This is causing me a HARD INQUIRY on my report. XXXX to be exact. These are duplicate entries that the bureaus MUST delete. I understand that XXXX and all of its affiliates may not use the same data for each credit inquiry, nonetheless, it is XXXX transaction, which was split. I request that XXXX, Transunion and XXXX combine all the Auto Credit HARD Inquiries on my account. They have the same for my husbands account which is not right. 

Below is what was in the letter, sent my certified mail, a response was received last week from XXXX and Transunion stating there will be no change. 

Acct XXXX : Hard Inquiry : Listed XXXX times by XXXX with different banks, dated XXXX/XXXX/2014 and XXXX/XXXX/2014 which should only be listed as XXXX hard inquiry. I said we were not interested any more in purchasing a vehicle and XXXX XXXX and his XXXX XXXX XXXX insisted on calling every day to finance us with a used car. I have also contacted their company with no response. XXXX XXXX XXXX ( Dated : XXXX/XXXX/XXXX ) should be the only one listed with the next XXXX as XXXX inquiry. Please see all the inquiries below and the date they had banks review my credit. 

XXXX XXXX XXXX XXXX, 2014 XXXX XXXX XXXX XXXX, XXXX XXXX F XXXX XXXX, 2014 XXXX XXXX XXXX XXXX, 2014XXXX XXXX XXXX, 2014 XXXX XXXX XXXX, 2014XXXX XXXX XXXX XXXX XXXX, 2014 XXXX XXXX XXXX XXXX XXXX, 2014

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit card () with CITIBANK, N.A. (GA).
Issue: Customer service / Customer relations

Complaint: I am a Macy 's consumer store card holder and was recently reported to the credit bureau as XXXX days past due. The initial late payment dated back to XXXX however I continued to make payments before 30 day time periods to avoid the late reporting until I could get to financially stable to pay what was owed. I called Macy 's and asked for some sort of resolution and was advised the only option was to close the account, not other hardship arrangement could be made. I then emailed XXXX explain my situation and requested a one time courtesy to have the negative credit reporting removed. I then received a phone call from XXXX, I emailed her after numerous times trying to reach her by telphone but to no avail. Then, I received an email from XXXX stating they would not do anything differently than what has already been done and to contact her if I had any other concerns so I did. I have been trying to pay my recent " Special Event '' financing purchase off as well as catch up the past due balance and I can not get anyone on the phone that speaks reasonably clear XXXX. The individuals I am able to reach simply transfers the call as " protocol '' without offering any assistance for something as simple as making a payment. I have several questions that have gone unanswered and everyone seems to provide a generic email response, or I am speaking with " customer service/collections specialists '' that are telling me conflicting information. I was told yesterday that I needed to just make the payment totalling the past due amount plus the balance of the special event purchase then call back in 24-48 hours and tell them how to apply the funds. She also stated my monthly balance continues to increase because of the one missed payment, but they are not late fees. Late fees are added to the entire amount owed. How then is my balance {$280.00} now instead of the {$180.00} I was paying prior to missing XXXX payment? I emailed XXXX, XXXX, and XXXX in the executive office explaining my issue of communication with reps within their company and no one has contacted me to resolve the issue. Today I spoke with someone by the name ( s ) of XXXX, XXXX, and XXXX. XXXX advised me that if I pay the special event purchase off then that will take care of the past due balance also. My specific question was " How will that take care of a past due balance that is treated separately from this purchase? '' He could not answer me then claimed my phone was breaking up, yet I had no issue speaking and explaining the situation to two reps prior to being transferred to him. How can a company report someone late, and not offer a valid explanation of why the time frame of the late was reported the way it was and also the amount being reported? They have reversed late credit reportings, so why does my situation not qualify for that option?

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 01-05-2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: AMERICAN EXPRESS : My card was stolen XX/XX/2016. I immediately notifed AMEX and received a new card. However, when I received the next billing statement there were charges amounting to {$1800.00} that I did not make. I immediately called AMEX and they said they would take care of it and send it to their fraud claim department and that was it. ( I went through the whole list of charges and a person checked them off. ) Since then I have received endless number of communications from American Express stating they were looking into it, in some instances they credited me for {$8.00} which was a charge ( that I did not make ) at a drive through restaurant, and they credited me for other amounts but then charged them back to me, stating that they contacted the companies where the charges were made and the company said the card was presented so they charged the amount back to me -- -YES, THE CARD WAS PRESENTED, THE CARD WAS STOLEN, THEY OBVIOUSLY DID NOT CHECK ID. I HAVE CALLED, EMAILED, WRITTEN LETTERS, ALL TO NO AVAIL. They even charged me late charges for nonpayment of the amount -- -I am so frustrated. The fraudulent charges were all made within 24 hours or so of the card being stolen and my reporting. I have a file XXXX of communications from AMEX and still no solution to this incredible instance. Please tell me what to do. thank you very much. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: i have sent account resolution services 2 validation letters disputing this debt. i have no knowledge of owing ars/ account resolution services or the creditor XXXX XXXX XXXX any outstanding bill for services or products. the collection company rerfuses to comply with HIPPA validation letter and respond with proper DOCUMENTS pertaining to this alleged debt i have no knowledge of. Im dispiting this alleged debt but the collection company account resolution services continues to violate the FCRA BY CONTINUING TO REPORT THIS ALLEGED DEBT TO THE 3 CREDIT REPORTING COMPANY AFTER I HAVE SENT MULTIPLE REQUESTS. MY LAST WRITTEN DISPUTE WAS ON X/X/17.

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 12-12-2017 about Debt collection (Other debt) with REGIONS FINANCIAL CORPORATION (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX. Spoke with representative about my 3 account and she notated that all 3 Would be paid by the end of the month XXXX XXXX another representative called about my accounts and I told her that I have already made arrangements on all 3 of them XXXX XXXX. Another representative called about my accounts and I told her again that I made arrangements and to please stop calling since arrangements were made yesterday and this makes 3 times

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 06/24/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Over XXXX towns and goverment on my documents and home contents and also using computers and deniged me credit and loans and keep my stuff messed up and also with scams and land developments ect..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: I took out a {$5000.00} loan from my 401K because I had a family emergency, I deposited the check Friday XXXX/XXXX/2015 into my Wells Fargo Checking account. On Monday XXXX XXXX XXXX noticed online there was a notice stating my deposit was on hold and will not be available until Tuesday XXXX XXXX, 11days after the deposit date. I called the bank after I read the notice and I asked them to please help me cause I could n't wait that long because of the emergency that I had which was the main reason why I took the loan in the first place. They told me there was nothing they could do and that I had to wait. Since I could not wait that long, I asked to return my check so I can cashed it at XXXX XXXX XXXX XXXX. They said they could n't do that neither and that I had to wait. My dog die because I could n't afford for the emergency surgery and the medication that he needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation