milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Shopping for a loan or lease

Complaint: 1. I leased a car from XXXX XXXX in XXXX XXXX on XXXX/XXXX/2016. 
2. The vehicle had XXXX miles. The vehicle has a previous lien on it from XXXX, which prevented Title to be sent to XXXX DMV. I had n't driven the car outside of XXXX or XXXX.. I have incorrect plates on the car. 
3. When I Leased the car on XXXX/XXXX/2016, I requested XXXX registration. But changed my mind 4 days later. I went through the procedure and got Power Of Attorney from Hyundai Finance to sign when the title came in. 
4, The Title from XXXX never came to the XXXX DMV. The DMV told me it was on hold because theer was a lien in the Vin #. 
5. I called the Lien Holder and they said the Lien was on Hyundai Finance. 
6. Hyundai Finance does not acknowledge the lien. I had n't driven outside of XXXX or XXXX. I had n't taken it to XXXX. XXXX XXXX in XXXX, said they had no record of me, XXXX XXXX. The lien was n't mine. It was Hyundai FinanceXXXX 
7. neither the Dealer, XXXX XXXX , or Hyundai Finance has acknowledged the lien as theirs. 
8. They have done npthing to resolve this. I LeASED A CAR WITHOUT A CLEAR TITLE. 
9. Furthermore, if the car had been towed and been in an accident ... it was not disclosed to me. 
10. I am driving with XXXX plates and XXXX insurance ... unable to get XXXX plates. 
11. I am about to go to XXXX for 4 months. If I have to come back to change plates and registration, it will be an expensive airline and rental car expense. I think the Hyunddai Finance Co or XXXX XXXX should pay this expense, because it is their fault ... not mine. 
Please help me get a clear title, have my lien expunged, and enable me to get XXXX plates, and compensation for the additional travel expense. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Payday loan, title loan, or personal loan (Installment loan) with CITIBANK, N.A. (IL).
Issue: Getting the loan

Complaint: Last month, Citigroup added restrictions on firearm sales for new retail-sector clients, requiring them to restrict sales for buyers under XXXX, and not sell so-called bump stocks or high-capacity magazines. This is the job of Congress not a bank. Lets hope they are watching reasonable and appropriate banking practices more that second amendment details. Back in the XX/XX/XXXX - XX/XX/XXXX financial crisis they needed taxpayer bail out because of poor banking practices. Maybe they should stick with banking instead of politicizing banking services.

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 06/23/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account does not belong to me and the address on my Equifax report is incorrect. Credit reporting agencies are required to provide correct information in order for me to validate this debt belongs to me. I have attempted to contact XXXX XXXX XXXX at the address provided and my letter was 'returned to sender '. Please see attached photo of returned letter. Also attached is a screenshot of my credit report with the incorrect address. 

These accounts should be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company named XXXX keeps calling my phone and hanging up. 

XXXX XXXX XXXX XXXX After receiving 5-6 phone calls from them in a row, I called back. 

They claim to be collecting a debt for my wife, but they have no documentation, I see nothing on her credit report ... Any attempt to get them to prove she owes the debt are met with threats of lawsuits. 

We just bought a house, we have no collection, no judgements. 

I am tired of being harassed for a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I deposited a monthly paycheck into my local Bank of America ATM on Saturday, XX/XX/XXXX at XXXX in the amount of {$1700.00}. {$300.00} was available immediately, and per my online app, the balance of the check would be available Monday, XX/XX/XXXX, as I am accustomed to. I used my ATM card to make a purchase today, Monday afternoon, XX/XX/XXXX, and my card was declined. I called BOA to ask why my money deposited on XX/XX/XXXX was not available, and they said it would be available on Tuesday, XX/XX/XXXX. Since I have been with BOA since XX/XX/XXXX, I know this is a departure from practice, since when I deposit a check on the weekend, it is available on Monday, the first business day. I spoke with XXXX customer service staff who both sympathized, but both said the check would n't be available until XX/XX/XXXX, 4 days after the deposits. They both stressed there is no hold on my account, it just takes that long to process my check. This is a check I have deposited monthly for 14 years, issued from the State of California. I asked both customer service staff what has changed, and why was n't I informed, and they had no answer. Perhaps cfpb can help me navigate this, as no one has answers, and this is clearly not right.

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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In the months of XXXX, XXXX, XXXX, and XXXX of XXXX, I asked Lexis Nexis to have the inaccurate public records data suppressed for two reasons : Firstly, because of an inaccurate public record that they have supplied to the three credit bureaus : XXXX XXXX and XXXX and secondly because of the increasing and alarming rates of identity theft and data breaches occurring. After four months, I finally received a letter from Lexis Nexis on XXXX XXXX, XXXX, which I have included for your review to Opt Out. Well, this inaccurate public information ( Bankruptcy ) is still being reported to the three credit bureaus as I have rechecked my credit reports on XXXX/XXXX/XXXX. This matter has caused me great XXXX and XXXX XXXX. I do n't know which way to turn as Lexis Nexis is violating my rights as a consumer. This company has been putting consumers through the ringer for years, and it is time that they are stopped. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Automobile Acceptance Corporation (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: fraud on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: My XX/XX/XXXX Tax Return Was deposit into the wrong account, I call the bank The Morning Of The Deposit and let them know the acct # was Wrong and please return the deposit to the IRS, THE BANK TOLD ME DONT WORRY the names must match the account, Well That Was A Lie, It Went to A Open Acct, it was deposit and spent, The IRS Said The Bank Should 've Return The Refund, The Bank Said The IRS has To Request The Refund Return They did n't, XXXX Made The Mistake and said the bank Will Reject the refund, It did n't happen I have been going back and fort with the XXXX agency and it 's like a lost case, I Contact the customer after chase bank give me his Name, Address and Phone # .I Contact him and he said he had a Amend return for almost the same amount from the same tax office and when it comes he will pay then THAT WAS XX/XX/XXXX, I 'm So Tried, and I Think Chase Should Have Sent it Back To The IRS , They Have Protected This One Customer and Not Me Well I 'm Your Customer To Chase. The IRS Sent A Letter Requesting Information and The Bank Said It Went Into The Wrong Acct, The Name And SS # DO NOT MATCH-Funds NOT AVAILABLE TO RETURN AS OF XX/XX/XXXX - {$4200.00} I Contact Chase Bank Executive Customer Service and after a while like 6 to 8 weeks was told The Bank Will Not Lose Any Money and yes it should have been return, To Go After The Customer. WOW

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Transaction issue

Complaint: With Chase a {$620.00} charge ( XXXX 2015 ) was originally disputed due to an obscure merchant name and the monies reapplied to the merchant who uses XXXX account. Chase then send us a our statement which was paid the full amount in XXXX. The merchant is indicating that XXXX is saying they have not been given the money. I have reached out to Chase XXXX times and in each case they say they are showing that the issues lies with XXXX. Regardless it seems they are not interested in solving a customer service issue with their backend payment process as they have been paid and the merchant has not been paid from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: Wired money from XXXX XXXX XXXX to Coinbase Inc. on :  XX/XX/2017 Amount : {$25000.00} Multiple e-mail exchanges with Coinbase automated response and support staff and 2 verbal discussions with Coinbase call support without any resolution. Coinbase support staff back dated an original email request for information 30 days from sent date seems odd and suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I currently have XXXX accounts with XXXX XXXX XXXX XXXX. I had recently seach out to the creditor concerning multiple account listed on my Trana Union Report and they stated the other accounts with be removed in XXXX - 45 days. While just viewed my reports again after the conversation with XXXX XXXX XXXX XXXX and the XXXX accounts that were supposed to be removed are still appearing on my 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 explanation
Consumer complaint received 04-03-2018 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a credit card with aafes, a retail store that is on military bases. in XX/XX/2008 it went into default for XXXX.. never received anything from them until XXXX XXXX XXXX started garnishing my wages at 25 percent and is garnishing a total of about 11,000.00. Never got a communication or sopona to appear in court, never received any letter from either aafes or XXXX XXXX XXXX. 

Also the garnishment is showing as a Student loan, I do not have any student loans. 
Apparently XXXX XXXX is also part of the same group of which XXXX XXXX is a part of. About 3 years ago i was going through the exact same thing with XXXX XXXX and eventually they returned the Money they were Garnishing and stopped Garnishing me after an inquiry from CPFB. 
I never learned what happened because CPFB doesn't disclose the results of their inquiry. 




Student with one loan- Federal XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Transunion is taking to long to send results.

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 07/20/2016 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Paramount Recovery Systems added collections to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever before yesterday. Paramount Recovery Systems put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me. I first reported the issue to the XXXX. Paramount Recovery Systems responded by sending me validation and verification of my debt, which was never in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Medical debt) with Medical-Dental-Hospital Bureau of San Antonio (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My medical debt was sent to a collection agency after the bill had been paid. 

Bill was to XXXX XXXX XXXX XXXX XXXX, TX XXXX Bill was paid on XX/XX/XXXX. I will attach the image of the posted transaction on my credit card statement. 

Received letter from collection agency " Managers Office '', XXXX XXXX dated XX/XX/XXXX stating the bill was still owed. Will attach image of that as well. 

A negative score has been falsely added to my credit report. When I contacted both companies they told me it would take 4-6 weeks to resolve. I want action immediate against these 2 companies.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Making/receiving payments, sending money

Complaint: I contacted my financial institution ( Chase Bank ) to report my stolen personal checks and to file a fraudulent check claim and Chase refused to send me an affidavit and failed to take any information regarding my case.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Acct # : XXXX Dear Phoenix Financial Services, I have received a Medical collection letter from you regarding a debt in the amount of {$180.00}. Though the letter is dated XX/XX/XXXX, I have only received it in XX/XX/XXXX and by XX/XX/XXXX it was already added to my credit report which has grossly damaged my credit. The letter that you provided was the first letter of it's kind that I received from you and I did not have enough time to accurately verified if the debt is legitimate. I did not know of this debt before nor did I received any information about this debt until now. {$180.00} is a such a small amount and could have welcome the opportunity to resolve the matter before damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Ive Been trying to resolve the multiple duplicate negative student loan accounts on my credit report. The credit bureaus are neglecting to verify my account properly. If they can not verify or determine which ones are duplicate or original. I am requesting that all be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Although this is my 2nd Complaint with CFPD, Experian still refuses to adhere to FCRA rules and regulations. According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), the credit bureau must complete their investigation no later than ( 30 ) days or the item ( s ) in question must be DELETED from the consumer 's credit report. Unfortunately, it took Experian ( 49 ) or  more days to complete my investigation, well exceeding the allotted time frame pursuant to FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). Also, Experian refused to provide me with a Method Of Verification that they used to determined the validity and accuracy of the item ( s ) that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violation that were committed by Experian ; yet, the remaining violations are listed in my attached documents.

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 10/29/2015 about Debt collection (I do not know) with General Business Recoveries, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is regarding original case number XXXXfiled on XXXX XXXX. Today is XXXX XXXX and the company responded on or around XXXX XXXX. By their own admission they are unable to locate this fraudulent account by my name ( document proving this attached ) yet they have not taken this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Payoff process

Complaint: I have a UPromise MasterCard. On XXXX XXXX, 2015, I made a payment over the phone from my bank account to pay off my entire current balance on my UPromise care, a little over {$9000.00}. 

By their records, the payment was processed the next business day XXXX XXXX. 

However, even though they have processed the payment, they will not clear my account and are continuing to charge me interest until XXXX XXXX at XXXX! 

The UPromise agent I spoke with over the phone was unable to explain to me the rationale behind this. This seems like an immoral if not illegal practice to take payment, hold both my money from the bank and to charge me interest for a week. 
That dollar amount is too small to financially be worth my time in small claims court, but if UPromise is doing this to other credit card holders, they stand to make a pretty large sum of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Checking or savings account (Other banking product or service) with TD BANK US HOLDING COMPANY (FL).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Hello, I am filing this complaint in regards to TD Bank not honoring their promotion. I found this promotion on their website and it stated that if I opened a new checking account online and received direct deposits of {$500.00} or more over the first 60 days I would be credited {$150.00} after 90 days. I met those requirements and I have n't been credited the bonus. In late XXXX I went to a branch and the banker told me I did meet the requirements but bonuses are usually paid out after 96 days. I waited two weeks and there still was n't anything, so I called their customer service line on XXXX/XXXX/17. Again I was told by the TD Bank customer service rep that I met the requirennts and he 's not sure why I was n't credited the bonus. He said he would email the promotions department and get back to me. He returned my call and told me that this promotion was for existing customers not new ones. I have a picture of the promotion and it clearly states " New Customers ''. Since then I have called the customer service line 4 more times XXXX on XXXX, XXXX, XXXX, & XXXX ). They all said the same thing, that I met the requirements and they are n't sure why I have n't received the bonus. On XXXX I visited a local branch and the banker there told me the same thing as the others. On XXXX I followed up with her and she told me the promotions department emailed her stating I did n't click the right link but there was only one link to click. On XXXX I was told the promotion was n't active during the period I signed up but the promotion was available on their website. I have been told by 6 customer service reps that I have met the requirements and I should have received the bonus yet their promotions department has comeback with 3 different excuses as to why they wo n't credit me the bonus. I look forward to hearing back from you. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2015 about Debt collection (Auto) with Fenton & McGarvey Law Firm, P.S.C. (KY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was in a lease in 2001, I turned the vehicle in and XXXX XXXX bank signed off that nothing was owed and everything was in good repair. Now they are trying to come after me for money, {$1700.00} when I never even owned a debt in the first place. This has been over 14 years ago, I do not even owe it and they are trying to garnish my wages and charging over 200 % interest. This is illegal. XXXX XXXX bank has no record of it, obviously this is fraud. I believe they constantly harass me because I am a woman as well, this is not even a debt, they brought this from the woodwork and cannto provide me documentation of it, nor can XXXX XXXX, it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Inquiries were made on my credit report that was not authorized by me.

Company response to consumer: Closed with explanation