milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (NE).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Complaint number :  XXXX  This has not been resolved, we have made numerous calls to  Hyundai Financial an d we still do not have our title, even the   XXXX   XXXX   called them on  XXXX   XXXX  and we still ca n't get it.     First they said they sent the title on  XXXX   XXXX , then the  XXXX  on the next call.     Then they said they had sent us a title release letter on  XXXX   XXXX  we finally did get one dated  XXXX   XXXX  and it 's absolutely worthless it has to be electronically transmitted to the  XXXX .     The last call a couple of days ago they claimed they sent it electronically to the   XXXX   XXXX   XXXX  on  XXXX   XXXX  we live in Nebraska and have done for 25 years.     We have repeatedly asked for call backs from managers and they tell us they do n't do call backs. These people are incompetent!     Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX /  XXXX   Date sent to company :  XXXX / XXXX /  XXXX   Product : Consumer Loan Issue : Managing the loan or lease

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: HSBC bank continues to list a fraudulent account on my XXXX credit report and refuses to provide sufficient proof of my ownership of the account. I never opened nor used any account from hsbc bank/XXXX. this account was opened in 2010. I was not even living in Massachusetts in 2010. this continues to damage my good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a credit card with US Bank that is due on the XX/XX/XXXX of each month and never missed a payment or made any payments over 30 days late. On Sunday ( XX/XX/2018 ) I was involved on a major auto accident that took a lot of my time during the week, and yesterday ( XX/XX/2018 ) I made my US Bank payment. Today I received a notification of a {$27.00} late fee and tried to contact a supervisor at US Bank to reverse that late fee, considering that I was not late when I made my payment yesterday. I was first transferred to XXXX, and then XXXX ( same voice, but stated to be two different supervisors ) and then to XXXX, who also said he is a supervisor. All three refused to work with me and reverse the late of on my online payment. I have a screenshot of my payment that proves my payment being made on time.

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 01/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/2017 two transactions were made around XXXX with our Huntington Bank Credit Card. We called the next day to attest these obviously fraudulent charges made within minutes of each other - one to a company called " XXXX '' for {$540.00} in the XXXX and the other to a company called XXXX ( a music mixing software company ) out of Minnesota. The charges were reversed and investigations opened. On XX/XX/XXXX, the charge made to XXXX for XXXX was put back on our credit card. When I called to inquire why we were being charged for this obviously fraudulent transaction, I was told that Huntington Bank had closed the investigation. When they reached out to XXXX, they were able to confirm that the purchasing address and shipping address matched what they had on file for our card. Which means that someone stole our cc information, as well as our address. When I explained to Huntington that this purchase was for online software, based on their website, and that no shipping address would ever be needed for this purchase they declined to pursue further, stating that I needed to follow up with XXXX to get our money back. I have had no response from this company. I have made several calls to Huntington, their fraud department, our local branches - no one is willing to assist with a fraudulent charge or investigate it further when they have already proven that another fraudulent charge went through on the same night only minutes prior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an account with XXXX XXXX XXXX credit card that was paid in full prior to me filing chapter XXXX bankruptcy-zero balance. Since I had to file bankruptcy, this particular card was included in my bankruptcy petition with XXXX owing. However, the information that had already been reported was re-reported to XXXX and Equifax by this creditor in error. This information that was re-reported caused my credit score to take a huge dip of XXXX points! 
I contacted the creditor and they advised me that they reported a zero balance account on XXXX/XXXX/XXXX and had no language that should have caused a dip in score. The credit bureaus advised that this is how it was reported, so I 'm at a loss! 
Also, the address on my credit reports isnt correct. My address is showing XXXX XXXX XXXX Kansas XXXX XXXX MO XXXX on XXXX and showing XXXX XXXX XXXX XXXX APT XXXX Kansas XXXX XXXX MO XXXX on Equifax-I have submitted documentation proving my address/idenity/etc, and to no avail, they wont update it! I was advised by Equifax to resend the info that I 've mailed and faxed previously.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Mortgage debt) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a letter/statement datedXX/XX/XXXX from a company called XXXX. It did not contain any alleged amount due, or on whose behalf they were collecting for. i called them onXX/XX/XXXX and talked to one of their agents. He said this was an old XXXX XXXX XXXX ( HFC ) debt that they were acting as a collection agent for. It was either a 2nd or 3rd mortgage. I told him that my house had been foreclosed on in XXXX. I received another letter dated XX/XX/XXXX, which I have attached, that is identical to the first one received. I received a settlement opportunity letter dated XX/XX/XXXX, stating that the amount I owed to them was {$37000.00}, but if I paid by XX/XX/XXXX, I could settle my account by paying half of that amount, which is {$18000.00}. On XX/XX/XXXX I received a phone call from XXXX. I informed the agent that my house had been foreclosed on in XXXX, and that the Statute of Limitations in Michigan to collect on such a debt was 6 years. She indicated that XXXX or HFC had received a payment from me in XX/XX/XXXX, which meant that the statute would still be valid until the middle of XXXX. I said that was impossible, because why would I have continued sending money on a house I no longer owned. She said that even if the statute had run out, I still owed the debt. I said that they no longer had a right to pursue collection after 6 years. I have enclosed 2 HFC statements, dated XX/XX/XXXX, and XX/XX/XXXX. The first statement was the last one I could find in my records before I found the last and second statement. The last payment of {$510.00} was made to HFC, check # XXXX, dated XX/XX/XXXX from XXXX XXXX XXXX. It was cashed by HFC on XX/XX/XXXX. I have attached my carbon copy of the check, and my statement of account from XXXX. As you can see by the HFC statement dated XX/XX/XXXX, the amount past due was {$4000.00}. Since my last payment was made XX/XX/XXXX, if you go forward 8 months to theXX/XX/XXXX statement, figuring a monthly amount due of {$510.00}, that would approximately equal the {$4000.00} that I would have been behind. I have no idea how or why XXXX says they got a payment from me in XX/XX/XXXX. Why were n't they pursuing what they say I owed years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is ignoring my requests to investigate and remove fraudulent inquiries from my credit file that were not initiated by me.

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 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Ehanced Recovery Company, LLC has been contacting me repeatedly, XXXX, XXXX times a day, calling and hanging up. Calling and hanging up. They leave a message and then they call back. They never have anyone on the phone. Every time I attempt to answer the phone, the other side hangs up. Its very aggravating, as they call me while I 'm at work, and they just call and hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 ). I have previously asked all three ( 3 ) credit bureaus : Experian, XXXX and XXXX to disclose how they have verified the bankruptcy information that is being reported on my credit report. I have asked that the following information be provided with the proof of verification : Method of Verification If the listing gets verified and remains you have the right to request the credit reporting agencies method of verification. Request the credit reporting agencies send you the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. II ) To date I have yet to receive the requested information. I have been told that pursuant to the Bureau 's investigation, that the reported information is correct. III ) FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states in pertinent part, " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available IV ) Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. V ) Pursuant to FCRA, Section 611, the Bankruptcy Court is the furnisher of information, and not a third party source such as PACER or LEXIS NEXIS. VI ) None of the Bureau 's have provided evidence that they have conducted a direct investigation with the Bankruptcy Court.
VII ) Furthermore, in XXXX XXXX, I III ) In XXXX XXXX, I confirmed with Bankruptcy Court listed below that it does not directly report to the credit bureaus. This would explain the inability of any of the Consumer Reporting Bureaus in providing the requested information. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX VIII ) For the reasons provided above, the credit reporting agencies are in violation of FCRA, Section 611. In conclusion, the reported Bankruptcy information should 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 09/27/2016 about Student loan (Federal student loan servicing) with ACS Education Services (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took out a Federal Student Loan when I was in college ( XXXX ). The total amount of the loan was for {$16000.00}. Since XXXX, I have paid them {$9100.00}. My current outstanding balance is {$16000.00} and the " payoff '' balance is {$16000.00}. So after paying over {$9000.00}, I have only lowered the balance by about {$900.00}. 

I could n't figure out how this was possible, until I did some research about this company. Apparently, they reduce the amount of your payment that goes towards principal based on what day of the month you pay ( if you pay on the XXXX, a higher percentage goes towards principal than if you pay on the XXXX ). I would have happily set up an auto-pay for the XXXX of every month, however this company does not give you an option for auto-pay. This was never explained to me, and apparently was n't explained to thousands of other students that have written complaints about this company online. Several lawsuits have been attempted towards this company, but they have been able to escape them due to their arbitration clause. This company has an F rating on the XXXX website and is not accredited ( XXXX ). This company is intentionally deceptive, does not explain that your payment 's principal/interest varies throughout the month, does not allow you to set up auto-pay, and intentionally delays pending payments to prevent you from paying off your principal, and has thousands of complaints. 

It is extremely upsetting that the Federal Government would sell my loan to such an awful company. I would like to figure out how to either file an arbitration suit against this company, or have my outstanding balance reduced to the fair amount. 

Please let me know if you can assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (I do not know) with National Credit Adjusters, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received three letters from National Credit Adjusters ( XXXX XXXX. XXXX XXXX, XXXX, KS XXXX ) that claim I have a {$1400.00} debt from XXXX. I also have had several telephone calls from National Credit Adjusters. 

On XX/XX/XXXX I sent a letter to NCA saying that I had no such debt and have never had any dealings with XXXX. 

On XX/XX/XXXX National Credit Adjusters sent me a form letter that says they are enclosing copies of information I requested. I did not request information. The information NCA sent is a XXXX loan form with my name on it ( incorrect telephone number ), allegedly signed on XX/XX/XXXX ( but with no physical signature ). The IP address that I allegedly signed from is in XXXX, AZ. I was not in XXXX, AZ on XX/XX/XXXX and have never had any contact with it. 

I have checked with the credit reporting companies and can confirm that there is no such debt on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Bank account or service (Checking account) with Convergent Resources, Inc. (CA).
Issue: Deposits and withdrawals

Complaint: Original Creditor : XXXXCurrent Credit Agency : Convergent/XXXX This Debt is XXXX years old!!!!! 
Asking for me to pay a debt but can not find my stock!!! From the periods of XX/XX/XXXX, and from XX/XX/XXXX. I had several incidences, with this bank, that put me under the suspicion, that XXXX XXXX XXXX did something that should not of happened. 
The first incidence was, when I left my job, XX/XX/XXXX after being downsized, I elected my XXXX account with this Bank. I had to sell some of my stock XX/XX/XXXX. for a personal reason. That XXXX, I was received a statement describing the remaining of stock that I had. XX/XX/XXXX I had it was sold and there was no description of where it went to. After, going through old statements, I contacted the bank XX/XX/XXXX and was told that it merged XXXX. An assistant to the Vice President XXXX XXXX XXXX XXXX XXXX, attempted to help me locate the remaining XXXX shares. Unforunately, unable to do so, and explained that I needed to get an a-sheetment from where the shares came from by calling XXXX. 
B ) The XXXX incident, was in XXXX, when a XXXX insurance policy was cancelled, due to a compromised account. 
C ) When the account was compromised by making purchases online through XXXX and XXXX. 

Convergent XXXX XXXX Bank CheckingSending for a settlement offer of $ XXXXThe same with this Bank, XXXX XXXX was compromised and I received XXXX ATM cards within 3 months! Something is wrong with this XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Activehours (WA).
Issue: Money was not available when promised

Complaint: Ca n't cash out said it waiting for my bank to send statement to XXXX XXXX. what taking so long to cash out. Need cash to prevent overdraft fees tommarrow XX/XX/XXXX. Please help me to fix this problem or ill be dealing with a XXXX dollar fee

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (I do not know) with Western Collection Bureau, Inc. (CT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Several of my relative and employer received a call stating there was an arrest warrant out for my name if they know my where abouts. I called they claim they were a mediation firm there was a debt in my name from XXXX that I knowingly defrauded the company. I asked them to verify the deb by sending a letter of verification they just said they would send a subpoena to my home and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My student loans were transferred from  XXXX  to Fed  Loan Servicing  o n  XX/X/16      aft er I submitted my paperwork for PSLF. I was told the qualifying payments would be transferred but as of yet, only  13 p ayments are showing  up ( I have made a total of 34 q ualifying payme nts ).  I spoke with someone on      X/X/16  an  d they assured me that they submit a request for this to be looked into, but that it may take weeks.     I have also had issues with the handling of my Income Based Repayment paperwork. I know that the paperwork is correct, because this same paperwork was received and processed almost immediately by    XXXX   ( w ho still holds my loans not under the PSLF program ). I have submitted supporting documentation ( which is not required by  XXXX , only FedLoan ) a total of 3 times now. Once by mail and twice by uploading the supporting document s (  XXXX  ).  As of yet, this has not been fixed, and I have received letters telling me that I did not meet qualifications ( when I clearly do, as evidenced by my student loans serviced by  XXXX  ). I have documentation showing my multiple submissions of paperwork.     I also had an issue o n      X/X/16  wh ere my account was placed on Forbearance without me requesting for such action. When I contacted the company, I was told that this is standard action for all accounts that have documents processing. When my account is in forbearance, I am not able to make qualifying student loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX of 2016, I was notified by XXXX XXXX credit monitoring that a credit application was made for a XXXX XXXX credit card using my social security number. Shortly after the first attempt, another attempt was made, this time with XXXX XXXX. I confirmed that these were fraudulent attempts, filed a police report, and submitted the requisite documentation to the credit agencies to implement a 7-year fraud alert on my account. While I was able to get both hard credit inquiries removed from my XXXX and XXXX accounts, they still remain on my Equifax report -- negatively affecting my credit score. Since the original incidence of identity theft, I have filed a total of 11 disputes with Equifax ( two examples attached ), but they still refuse to remove the hard inquiries. Despite evidence I have provided, Equifax still insists these are " a factual record '' : > > > We have reviewed the inquiry information for XXXX ( XXXX ). The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX > > > We have reviewed the inquiry information for XXXX XXXX XXXX. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ONLINE Information Services, Inc. (KY).
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint: XXXX This number " XXXX XXXX '' Calls Every day. MANY times a day, trying to speak to a " XXXX XXXX '' no such person is here, or ever has been. 
Its a Credit card place of some sort wanting me to open accounts. 
I speak to them, tell them no such person is here and remove my number. they do not, and call EVERY DAY starting very early, around XXXX

Company response to consumer: Closed with explanation