AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: GMAC vehicle lease turned in date of XXXX XXXXGMAC company is absorbed by Ally. 
Credit Bureau never reflected lease termination when dealer sold vehicle to new owner as a sale vehicle. 
Credit Bureaus shown I owe {$9200.00} as of XX/XX/XXXX. Negative derogatory remarks for outstanding amount owed. 
Ally would never correct information to reflect positive account. 

Vehicle was purchased as a sale by new owner XX/XX/XXXX for XXXX paid over {$900.00} in sales tax in XXXX XXXX County where vehicle was returned. 

Same owner who purchased the vehicle XX/XX/XXXX currently still owns the vehicle. 

All transactions took place in XXXX Fl. 

The sale occurred before the credit bureaus were notified I owe remaining balance as of XX/XX/XXXX. 

GMAC went out of business Ally took over their obligations. 

No one at Ally will talk to me to resolve this issue in the last seven years. 

Florida Vehicle Title number XXXX sale date XXXX for vin number XXXX for XX/XX/XXXX XXXX XX/XX/XXXX XXXX. 

Anyone who runs the vin can see this same information of the current owner name and address who paid XXXX and over {$900.00}! in taxes. 

Clearly Ally never updated GMAC records as GMAC went out of business. 

I am left to carry the financial burden and negative credit bureau mis information. 

Company response: Company chooses not to provide a public response
Consumer complaint: After receiving a debt that I knew nothing of on XXXX XXXX, I immediately had my credit reports pulled, and sent all XXXX credit bureaus certified dispute letters. I received confirmation back that all the items that I had disputed had been verified. I sent a XXXX round of letters asking that I be provided with the names and numbers of whom they had validated the debts with. I myself sent a validation letter to XXXX of the creditors only to be told it was a mistake, and that a letter would be sent to all three credit bureaus to have deleted. This was XXXX of the debts that they claimed they had investigated and had found it belonged to me. They have ignored all of my dispute letters, and refuse to remove debt that have not been validated. I have asked for proper paperwork demonstrating the agreement between me and these creditors. 

Company response: Company chooses not to provide a public response
Consumer complaint: Barclay 's closed my wife and my credit card accounts after having a positive history of using the card, nearly never carrying a balance month to month, and having cards open for multiple years. 
At no time did we ever receive any negative feedback or notifications that Barclay had any issue with my 'history of account usage '. 
In fact, despite the 'history of account usage ' that Barclay refers to in the closing, Barclay increased the credit limit on my card and my wife 's card in the past year, encouraging what they must later have decided is a poor 'history of account usage '. They also upgraded our cards to XXXX XXXX elite during the same period of 'history of account usage ' that was present during closure. 

In fact, I started using my primary card, the Arrival, exactly in a fashion that was advertised. I started using this card originally for everyday spend as well as to buy XXXX XXXX Gift Cards through the Barclay RewardsBoost mall, which they advertised on their own website was a great way to earn extra rewards. 

It seems clear to me that Barclay is closing our accounts because it is not profitable to provide us with rewards under the current program that they advertise, even though on their website, even today, it still shows " Earn XXXX miles for every {$1.00} you spend on all your purchases '' and Redeem for travel statement credits starting at XXXX miles for {$25.00} toward a qualifying travel purchase of {$25.00} or more made within the last 120 days ''. 

With my last statement ( XXXX ) I had redeemed XXXX points ( {$140.00} ) but still had XXXX points adjusted at the closing of my account. 

If returning my account to good standing is not practicable, a payment for the miles which would have been worth the sum unredeemed as well as the annual fee for the services I could not receive but had already paid for seems reasonable : XXXX XXXX XXXX = {$380.00}. The 10 % bonus would have added {$38.00} when used for travel redemptions, which I always have available since I travel for business. This totals {$420.00}. 

My wife 's card had XXXX miles, which would have been worth {$19.00} XXXX XXXX = {$21.00}. 

I also paid a {$95.00} annual fee on this card, and on my wife 's card, totaling {$190.00} in fees which I am now not able to fully utilize given the cards were canceled in the middle of the membership year. 

This means my monetary damages from these XXXX closed cards are {$420.00} XXXX lost redemption, self ) + {$21.00} XXXX lost redemption, wife ) + {$190.00} ( annual fees ) = {$640.00}. 

I appreciate your quick response to this issue. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX did not have a permissible purpose when it made an inquiry of my Experian credit report on the following dates : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Please have Experian explain what permissible purpose that XXXX XXXX had when it accessed my sensitive financial information and to provide any documents to support their reason. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: When I applied for this loan for XXXX, no one told me they would be charging me 299 % apr. They are charging me almost {$200.00} per month in interest. I did sign their agreement but I did not understand because they never informed me of any of these things. They just told me to sign the document. They also made me give them my banking username and password before they would give me the loan and told me it was ok for them to do this under the FDIC so they could verify my income. I never expected this type of burden. I was only trying to buy my children/grandchildren some XXXX presents. I am retired and on XXXX and there is no way in this world I can afford this type of ripoff. I feel like I have been taken advantage of because they knew my age and probably knew I did n't understand what was going on. After getting on the internet and reading the thousands of complaints about CashNet, USA I really wish I had done that before I got this payday loan. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I show a debt to XXXX/XXXX on my credit report that I know I had insurance for ... so to begin with I called the hospital to verify this unpaid bill. XXXX said that they do not show any unpaid bills for me and instructed me to call the collection agency and ask for a detailed information sheet on this debt so that I can dispute it properly. I first called XXXX collection co ( XXXX ) which was very pleasant and professional, the lady on the phone said no problem we need to send for that information and when we get it we will forward it on to you. THEN I phoned ARMADA corp ( XXXX )., let me tell you they are unprofessional clowns. I first was transferred at least four times before reaching the GEM of an agent that I did .... I did not get her name but she is working out of their XXXX, Wa office and XXXX is the supervisor. I asked for the same detailed list from them and they acted like it was near impossible, finally she said that I would have to submit a letter to them in writing requesting this information, I explained to her and several other employees of XXXX that it is their job to prove this debt and that I was requesting it by phone and she said she would " see what I can do '' which is not acceptable so I requested to speak to her supervisor who was conveniently unavailable and then she hung up on me. I called back and spoke to a different person in the same office who said that the first lady that I just spoke with was now UNAVALIABLE. I again expressed my desire to dispute this debt and that I was requesting this formally NOW on the recorded phone line. I was finally told that XXXX would have to call me the following day which is today ( XXXX/XXXX/2016 ) and I received no call from Anyone at XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX XXXX, 2015 I was contacted via phone by a representative of Credit Management is regards to an unknown debt. I advised the telephone rep that I was unaware of the debt and asked that Credit Management send me verification of the debt and not contact me via phone as it was not convenient for me. The telephone call was the first and only contact to me by Credit Management. I was never sent anything in the mail as required by law with my right to dispute. I mailed a written request for validation on XXXX/XXXX/2015 ( sent certified mail with tracking number XXXX XXXX XXXX XXXX XXXX ). Within a few days Credit Management then start reporting the account on my credit report.The dispute letter was delivered on XXXX/XXXX/2015. To date I have not received a timely response from Credit Management regarding this debt nor have I received an initial correspondence indicating my right to dispute as required by law. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I am in receipt of communications from a Law Firm Named Wetsch, Abbott, Osborn, XXXX and XXXX LLC. They are representing XXXX XXXX XXXX. In XXXX 2015 I responded to a " notice to cure '' from the above named law firm. As I am unable to match the said amount owed, account number and charge-off date to any of my known account records, I sent a letter disputing the claim and requested validation of the debt including but not limited to a copy of a contract, payment history, interest rate, name and address of the original creditor. To date I have not been provided any of this information yet they have served me with an IA civil case. I believe that this is a false debt and that they have more than likely purchased incorrect information. Please help. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Re : loan modification application with Select Portfolio Services inc/loan # XXXX and XXXX XXXX/XXXX fl XXXX.After four monthes we have not received a final decision on our modification loan apllication.We have a court date scheduled for XX/XX/XXXX.SPS continues to contact us for the same clarification/documentation info ..over and over again, pushing back the underwriting process .We are running out of time and options.It seems that they have no time table or agenda to get this done.We are desperate to stay in our house.It should also be mentioned that they did approve us for a loan modification XX/XX/XXXX/but communication was lost from the transfer of our loan from XXXX to SPS and we were.. not aware that the loan had been approved. we never rec, d the contract /nor did our attorney.Since we missed the trial period we had to re-apply .The process has been request after request for the same information over and over again.You never talk to the same rep twice. 
if you can help expedite this process we be very appreciative .We want to stay in our house ; but ca n't get them to come to a decision/thanks XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My husband and I live in a XXXX unit townhome complex in XXXX, Texas. XX/XX/2015 we shopped to refinance our home mortgage after 17 years of payments at a high interest rate with only XXXX % of the value left on the home. We received several bids and picked Bank of America based on their estimated closing costs. 

We sent in all of the documentation they requested and were assured the closing costs were accurate. 

Approximately 35 days later, after interest rates went up, BOA said they needed to charge us approximately {$500.00} for an new survey. We told them we sent them the survey from our XXXX XXXX on day 1. They said it was insufficient. 

In addition, we had to submit the same information we gave them day 1, with pay stubs and tax returns a second time. We asked why and they said it was because they submitted the wrong SSN and had to do it again? We lost several hours of income providing this information a second time. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is the letter I sent to DiTech : Ditech Financial LLC XXXX, SD XXXX To Whom It May Concern : How unhappy am I ... let me count the ways. This is the most awful, inept mortgage company I have ever dealt with. 
1. When I would send in additional principle as part of the free automatic payment the funds would not be applied properly until I called to complain. 
2. I sent in a payment one month and the processor misread the check, charged me a {$1000.00} over what I sent in, then argued with me that it was my fault. I eventually had to talk to a supervisor who said I was correct and the clerk misread the check. 
3. I sent in additional principle funds another month and it was applied to my next month 's payment, even though I specifically filled in the payment instruction portion of the statement with my check. 
4. I asked for the name and address of the CEO or President and was told they could not give me that information. 
5. Last year Ditech paid my hazard insurance late and I had to pay it myself to ensure there would not be a gap. 
6. Your company paid my flood insurance without my permission. It is an arbitrary insurance which is my responsibility not Ditech 's. 
7. If I wanted to pay my monthly payment online I am told there is a {$12.00} charge. This is the first company I 've dealt with ( and I 've dealt with a lot ) that has charged to have me give you money. When I inquired about my payoff amount which is {$940.00}. They want to charge me over a {$1000.00} for escrow even though I will not owe any more principle. 
If I ever have another reason to take out a mortgage, I will ensure that my mortgage is never sold to Ditech. I would appreciate a response. 

Sincerely, XXXX XXXX XXXX 

Company response: Company believes complaint represents an opportunity for improvement to better serve consumers
Consumer complaint: This is a landlord issue that has ended up on my credit report that I have been unable to remove or negotiate. 
I lived in the apartment for 2 years. I notified them that I was moving and why I was moving. They claimed I did n't give them proper notice and that I owed them a full month of rent because I moved out on XXXX XXXX. They stated that my rental contract tied me to that full amount. In XXXX of that year, they provided me incorrect information stating that on XXXX XXXX I was on a month to month contract so I did n't believe I was under contract at that time. Either way, I offered them the money from XXXX XXXX ( covering 3 days past my move out date ). The reasons I moved it which they were fully aware of was that I had a drug dealer living above me and the conditions were atrocious and I had a XXXX XXXX XXXX living with me. There were assaults, abuse, drug deals, etc. The entire building had been involved with alerting the office at least once to twice a month. Nothing was done. They stated " its hard to evict someone '' but its apparently not hard to try to collect a debt from someone because they sent this to collection instantly after I moved out. I guess it would have been more difficult to evict me than it would be for me to move out with notice and complaint. They have placed the full amount of the debt they state I owe on my credit report and have told me this will prevent me from getting credit in the future ( and it has ). Its not fair to force someone to pay for something saying the contract was broken even though they broke the contract as well by not providing a safe, drug free environment for ME as a tenant to live in. I do n't get to collect from them for that. I just have to sit back as a single mother and allow them to ruin my credit. I really have no recourse but to pay this debt or just never be able to buy a house or a car. And this is all because I moved out of a dangerous environment without what they call 'proper notice '. I am sure you will see that they were notified and that they also broke their contract. They are slum lords who prey on people just trying to survive. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Reference : Case number : XXXX still not resolved My name is XXXX XXXX, resident at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, and the reason for my complaint are listed below : I bought my property at XXXX XXXX XXXX in XXXX. 
Until XXXX my mortgage loan # XXXX lender XXXX Bank. 
On XXXX XXXX, XXXX we received a letter " Notice of Assignment, Sale or Transfer of Servicing Rights '' from XXXX Bank, to Specialized Loan Servicing ( SLS ), effective XXXX XXXX, XXXX. 
XXXX See Doc. # XXXX attached On XXXX since I did not receive any writing communication from SLS I sent my payment to XXXX Bank, but it was not accepted, they confirmed that where to send the payment to SLS and we did with certified letter. 
Our last statement from our mortgage loan was XXXX from XXXX Bank. 
XXXX See Doc. # XXXX We wrote so many letters and did so many phone call requesting our " monthly mortgage statement '' that were unsuccessful, with promises that never where delivered. 
We sent every month our payment and every payment were cashed by SLS, even though we are getting every month letter that we are behind. We sent every month payment with a letter with a full description where to apply the payment. 
XXXX See Doc. # XXXX list of monthly payment Not be enough to make monthly payment to keep proving that the payment was done, that we are fighting to get monthly mortgage statements, now I have to prove that we made the payment and maybe get a lawyer and spend what we do not have. 
XXXX See Doc. # XXXX " Notice of Default and Notice of Intent to Foreclose ''. 
I think if we have a Department that is in charge of fraud it is time to act, because we are not The only ones with this problem with SLS, just go online and search how many people are dealing with SLS and they are crooks, that somebody must stop to ripe people off that are working honestly to make their house payment. 
WE DEMAND OUR MONTHLY MORTGAGE STATEMENT THAT IS OUR RIGHT, Nobody will keep Sending monthly payment for 20 ( twenty ) years without knowing where the money is going, and with no monthly statements that you can check where your money is posted. 
Beside all above now they are saying that we have shortage of escrow with no statement We hope that as a Commission that was created to avoid MORTGAGE FRAUD, you will take action and stop SLS, and what to do since this is an ongoing situation with no resolution whatsoever. I am enclosing complaints from other customers. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: We would like to request your help in contacting Bank of America or XXXX XXXX XXXX in our behalf. Regarding our second mortgage that we believe we were eligible to be part of the EXTINGUISHMENT Bank of America 's program. 
Bank of America was aware of our financial struggle since the recession.XXXX mortgages were held by them and they tried many times to foreclose the XXXX mortgage on us. We had to stop it by filling for bankruptcy. At some point we thought they were eliminated the XXXX mortgage. Because they were increasing the XXXX mortgage before the loan modification with XXXX. We did n't receive any bills for the second either in our credit report, instead It is a " Secured Deed '' with Scrupulous XXXX. Enclosed is an attachment. Account # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2016, a representative from Zenco ( caller ID showed XXXX ) called me saying that I was being sued for fraud by their client, XXXX. They told me they have me on surveillance using this credit card, and that by not repaying the debt and not returning the merchandise, I had stolen the merchandise. They told me that I would need to hire an attorney if I wanted any information about their company. They gave me their phone number and company name, but would not spell the name of their company or give me the name of the actual person I was speaking with. I asked many questions including when the purchases were made on the credit card, how much the purchases were, if this debt was within the statute of limitations to be sued, etc. I also told them that this debt was not on my credit report and that I did not believe I owed this debt. They told me I was narrow minded and accused me of getting " all these credit cards and making all these purchases and then not repaying the debt ''. They even told me that they had filed the paperwork with the IRS to take my tax refund. They ended up hanging up on me. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: National Credit Systems is trying to collect a debt from an apartment rental that I do not owe. When I left the apartment I was renting I did a final walk through and was told I was good to go. Now I have a collection on my credit report which I was never notified that it was a discrepancy or debt that needed to be resolve from the original creditor or collection agency, just a sudden appearance on my credit report. After contacting the credit agency I requested documentation and proof of what this debt is for and never received any letter or notification stating the debt. I called back several times and spoke with I believe bryan and he would either not be at his desk or would say he was sending many information but never sent it. I do not owe this debt and do not feel it is fair to report to credit bureau especially without notifying me first and giving me time to resolve the issue. I disputed with credit bureau but they stated that National credit systems still says its mines and I should file a complaint with consumer finance. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: XXXX XXXX XXXX XXXX i have asked for a payment history over 60 days ago and i believe the late payments reported are incorrect. XXXX 2012, XXXX 2012, XXXX 2012, XXXX 2012 and XXXX 2012. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I made XXXX cash advances and paid them off but the bank is not applying my payments to the cash advances, and still showing I have a balance. I previously filed a complaint and thought it was cleared up but it is not. [ Case number : XXXX ] 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: On XXXX/XXXX/2014 I made XXXX wire transfers to XXXX. After several agonizing weeks the money was transferred back into my account on XX/XX/XXXX and XX/XX/XXXX with {$1100.00} short. The bank stated the difference was associated with the difference in exchange rates and refuses to credit my account nor did they refund my wire transfer fees. 
I think the bank attempted to profit from the exchange rate change and never transferred the currency and returned the money in stead of taking a loss from the opposite rate maneuver. 

Company response: Company chooses not to provide a public response