AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: In XXXX 2015 I was informed while attempting to obtain a new lease with another car company that XXXX XXXX XXXX ( " XXXX '' ), whom I currently lease a vehicle from, had reported my account to the XXXX major credit bureaus ( Transunion, XXXX, XXXX ) as 'delinquent ' for the months of XXXX and XXXX despite making all the necessary lease payments in a timely manner. My payment schedule will confirm such. 

This egregious, potential violation of the FCRA has driven my credit score to the level in which no local Credit Union will provide lease financing at my original negotiated rate with the dealership. XXXX claims to have reported no notices of delinquency however it 's clearly present on all XXXX credit reports I obtained. Disputes have been submitted. 

I have contacted and urged XXXX leadership to fulfill XXXX 's XXXX Customer Value to " ... promote a customer-driven corporate culture by providing the best quality and impeccable service with all of our efforts aimed at satisfying our customers. '' This has gone beyond any stage of inconvenience and has become detrimental to my ability to engage in critical necessities for my livelihood. I have respectfully requested this situation is rectified with the credit bureaus immediately so as to prevent any further damage caused. 

Thank you for your attention in this matter. 

Company response: Company chooses not to provide a public response
Consumer complaint: My XXXX loan has been in income based deferment since it became due in XXXX. The status has always been positive till XXXX, when it is showing XXXX late payments. I have contacted XXXX / XXXX with this issue. They stated that their report of the loan shows no late payments. I have all the original documents showing the dates of the deferment, payments due as {$0.00} and statements for the period in question showing amount due {$0.00} which I forwarded to Experian during 3 different disputes, but the report remains unchanged. Experian keeps sending me a report stating that the XXXX items ( XXXX different tranches of the same student loan ) were updated from their processing of my dispute, but it is unable to provide with method of verification or documents showing different information than what I provided directly from XXXX. Experian keeps quoting FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), but they are in direct violation of the act. I demand immediate correction of my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I would like for this company to remove debt from my credit file due to me having this same company as my auto insurance carrier. 

Company response: Company chooses not to provide a public response
Consumer complaint: I was advised if I paid this debt this company IQ Data would remove it off of my credit file, that has not happened I have addressed it several times with the credit agencies and nothing transpired 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Today XXXX/XXXX/2013, I initiated a dispute of some negative items on my Experian credit report. I attempted to dispute these items but was unsuccessful. Experian claims these items are still under investigation yet the company continue to update negative information on each negative items. In addition to this each items investigation has not concluded in the 30 day time period. 

Company response: Company chooses not to provide a public response
Consumer complaint: When I signed up for my credit card, I received an XXXX pass good for a year ( I activated my card and received the passes on XXXX/XXXX/XXXX ). I called BarclayCard support on XXXX/XXXX/XXXX asking for the specific date of expiration of my pass. The representative said that my pass expires on XXXX/XXXX/XXXX, and I confirmed with that same representative that I can use the pass through XXXX/XXXX/XXXX. I found out today XXXX XXXX/XXXX/XXXX XXXX that my pass expires on XXXX, contradicting the information given by the representative. I contacted BarclayCard today asking if they can either extend the date or reimburse the cost of a pass ( {$100.00} ), and they only offered me XXXX or XXXX points, worth {$20.00} or {$50.00} respectively. Had I been informed of the correct date by the representative I spoke with, I certainly would have used the pass. Instead, I was misled and unable to use the benefit I intended to use when I signed up for the card. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have a civil action that 's incorrect been removed, a credit card that was not known to me, the collect promised proof send a person who sign card for a XXXX? iam not in or everbeen. iave been XXXX with XXXX since 2004 ... to add, I was XXXX was paid, yet claimed a bill, contacted they appoligized and we found this bill, that never exsisted ... XXXX ... we closed yearsago our service, returned equipment, as told using track fed ex.. they provided packing and label.. they sent a bill, it was never adjusted and continues, well over statue of limitation to bounce from collectors, with bill that does n't exsist ... never adjusted XXXX the XXXX cell phone bill ... was disputed to them.,. as the phone was sold broke ... the company that supported it via staples, was defuncted and took new XXXX to maked good, but only ater lost of service.. we bought ddition protection XXXX store XXXX this too.. failed ... we awaited a phone and bill, promised, we received a bill instead will I was in XXXX in XXXX XXXX CSR for XXXX knew and promised corrective action ... we got bill saying it was pas due on XXXX same day to our XXXX XXXX XXXX collector letter calling ... them. they told us to pay then dispute it usually takes months, the admitted at XXXX the notes reflected the matter they dropped ball it feel thru cracks ..., he bill reflects the XXXX charge ..., of 2 year commitment ... and charges ... but now they collector has it, they cant correct it ... the collector confirmed the dispute saying they could n't repair it ... only XXXX could .... so we were again pay it..they we need to reapply as if fresh ... this would affect and be negative blemish, likely result in denial ... so we awaited XXXX ... on follow up ... and were left unanswered.. frustrated ... with promised ... we found this and are absolutely appauled angry ... .we are trying to buy house with VA loan and these are creating XXXX issue ... we already due to XXXX from Service caused us hardship, and suffered financial worst, trying to rebuild ... we do n't mind accountability to our fault ... but these are wrong erroneous and require correction and removal thankyou XXXX XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have a dispute with Ally Financial over a lease for vehicle that has ended. Ally is demanding payment of {$640.00} because of scratches on a vehicle I returned to the dealership at the end of the lease. The term lease was for three years and XXXX miles. I took very good care of the vehicle throughout the three year term of the lease, and returned it with XXXX miles, XXXX XXXX less than I essentially paid for. Ally Financial is claiming that the XXXX scratches ( mainly on the roof and hood of the car ) amount to " excess wear and tear '' because the XXXX scratches are more than XXXX inches in length. 
Ally 's lease is, by its own terms, the entire agreement between myself and Ally. The excess wear and tear provision in the lease is quite specific and detailed. Nowhere within the excess wear and tear provision is there any indication that scratches a certain measurement amount to excess wear and tear. 
This is not an argument on a technicality. I reviewed and relied on the lease and its terms before returning the vehicle. I also visited the dealership with the car for assistance in making sure there were no issues with excess wear and tear. The dealership representative told me the car was in excellent condition and that because I was returning the vehicle with less miles than I was allotted ( XXXX less miles ), I was pretty much returning a vehicle with more value than could have been expected. 
What Ally is doing is attempting to enforce its unilateral determination - outside of what is described in the lease - of what constitutes " excess wear and tear. '' That unilateral determination is performed outside the presence of the consumer, without the consumer 's knowledge, on terms not agreed to by the consumer. I have no doubt that Ally has collected monies from other consumers under similar circumstances and it is in my view a bully practice. 
I have written a letter to Ally and it has not responded. In fact, I have never received any final notice indicating that I owed the amount referenced above. Instead, I was sent a " reminder notice '' of the owed amount, and after I called to confirm this was a mistake, the representative told me I did owe the amount and could not explain why a final notice was not sent to me. 
I am concerned about my the amount that Ally claims I owe. I am concerned about this affecting my credit at this point. I am also concerned about this type of bill collecting. I am troubled by Ally 's failure to respond in a reasonable manner. Despite my best efforts to resolve this with Ally, it does not appear to be going anywhere. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX dob XXXX/XXXX/XXXX Wells Fargo is NOT displaying the correct balance and payment history to all three credit agencies ACCOUT # XXXX this is hurting my good payment history please update ALL THREE CREDIT AGENCES WITH THE CORRECT BALANCE AND PAYMENT HISTORY 

Company response: Company chooses not to provide a public response
Consumer complaint: I wire transfered {$66000.00} to a marketing company as an investment for commissions on small business loans that close. This company described themselves as a Network Marketing Company. But never delivered any service or products promised. In addition, all the contacts and phone numbers have been disconnected. 
I do have the banking routing info and am requesting the person/ people connected to this account be tracked and stopped. I would like to receive restitution and damages. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: SLS Loan Servicing is the worst company around. I have a Heloc that the interest only period was ending on XX/XX/XXXX, so XX/XX/XXXX, they sent letters offering a modification and explaining it was shifting to a principle and int. payment and that I needed to send in like {$880.00} by XXXX or the deal was off. I signed the letter and sent a cashiers check. ( as I was fine with this ) Then, out of the blue XX/XX/XXXX. I got another letter saying the same thing, that I was being offered a modification and to send money, etc.. I called them and they were like, 'oh, yes, we see you sent this in already, we 'll take care of it '. We then noticed online that we owed {$1400.00}! Then also in XX/XX/XXXX I got another letter now offering to modify it again ( 3rd time ) and this time keep it as an interest only payment for 5 more years, so naturally that sounded better than the previous XXXX offers, which I thought were already in effect, but never appeared to have taken root in their billing system. So, I called again, after that first call then ensued 2 full weeks of about XXXX different SLS people calling me back and each one was as clueless as the first caller as to what was actually going on with the modification or what took place starting XX/XX/XXXX. Now, my principle balance seems to have gone down, so hopefully that original {$850.00} was applied to principle, but there is no way to check or to verify this. Also, no one could tell me how they were calculating the interest and coming up with the payment they were now telling me was due ( well over {$1000.00} for some reason ). Even if they had switched to a principle and interest payment at the original index plus the margin the amount they were saying was due could not be calculated on any amortization calculator for XXXX amortization, and I work in the mortgage industry so I do this on a daily basis. So, it appears they are most certainly over billing me on interest and can not seem to figure out the payment structure nor the modification or when it goes into effect or if it ever will. The last guy I spoke with said that it should all be fixed now ( about 2 weeks ago ), but my wife just went on line and again their website is showing we owe {$1000.00} again ( the payment at int. only should be about $ XXXX/mo based on {$97000.00} and Prime plus 1.75 % or 5.25 % interest only ). This amount does n't even equal two payments ( if we happened to have missed one, etc ... ), so again, they are full of it and the most clueless company I have ever dealt with in my life and I 'm over XXXX yrs old. I went online and there is no less than about XXXX reviews all slamming SLS to no end and many, many similar stories to mine. They need to be stopped and put out of business or fined heavily as I 'm sure they are ripping off the public to no end. 
Thank you, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been paying my auto loan for over two years and have actually overpaid each month, sometimes paying more than twice the minimum amount. Out of nowhere four months ago I was contacted claiming that for two and a half years, without notice my due date was earlier in the month and despite overpaying I had accrued years of late fees. I was assured that the late fees would be cleared and the due date changed. A month later after " solving '' the problem I was called over ten times in one day for the same issue. Another month later after " solving '' the problem again I was called over ten times in one day and had to " solve '' the problem again. This harassment has gone on now for four months. I have sent them a cease and desist notice and advised that if the harassment continues, I would be seeking legal action. 

Company response: Company chooses not to provide a public response
Consumer complaint: Transunion responded that the XXXX fraudulent accounts that were a result of id theft by XXXX wireless were verified and I needed to contact XXXX which I have did already! I have provided both XXXX and XXXX with the info from the us doj that proves I am a victim of identity theft and yet they continue to report info based on info that was a result of id theft! 

Company response: Company chooses not to provide a public response
Consumer complaint: I tried to sign up for the XXXX bureau credit monitoring system offered through XXXX website. However, I was unable to complete the transaction due to a block ( notice ) on my Experian report. The notice reads " The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security XXXX ''. When I contacted Experian to fix the issue, they told me nothing could be done. My SSN was issued XX/XX/XXXX. Since XX/XX/XXXX, the Social Security XXXX changed the way they issued SSN to increase security and consumer protection. As such, many companies, including Experian, can no longer validate my SSN. I can not understand why I am being penalized and denied service because a safety featured implemented by SSA. I would like to request that Experian remove this notice from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: The credit repair firm unauthorized my debit account XXXX times for {$13.00}. The initial amount to be debited from the account for the credit report fee was suppose to be only {$12.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: Sale of vehicle repossessed never documented with transfer of ownership to relieve debt of monies owed affecting credit bureau information and negative credit worthiness. 

Ally failed to update consumer information after numerous requests to update sale of vehicle and update consumer file on accounts ( Joint ) creating negative information in credit bureaus affecting credit worthiness. 

XXXX XXXX Vin number XXXX ownership change never reflectedXX/XX/XXXX ownership change. Title XXXX. XXXX/XXXX/XXXX vehicle was in excellent condition in XXXX, hence the vehicle still being driven nine years later. 
Ally never updated their records when the vehicle was repossessed and then resold to reflect monies paid from sale of the vehicle. 

Numerous complaints are on the Internet of how Ally failed to account for sale of vehicles on accounts for many individuals affecting credit worthiness and collection amounts placed in credit bureaus without resolve. Nor do they respond to complaints or itemize charges for outstanding monies owed in the amount of {$3600.00} or show transfer of vehicles updated in real time when they occur. 

Ally provides one letter with total amount owed without explanation of charges or updates sale of vehicle ownership information leaving the financial burden on individuals affected by their lack of follow through or accounting of records on consumers. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Friday, XXXX XXXX, I logged in to my Bank of America Mobile Banking app to check my balance. A XXXX transaction had posted earlier in the day, leaving my account with a negative balance of - {$3.00}. I had {$4.00} transferred to the account to re-establish a positive balance. Later in the day, unbeknownst to me, another transaction posted ( perhaps a tip at a restaurant? But I really have no I idea ) leaving me with a negative balance of - {$2.00}. I was not notified that my account had overdrafted, and I did not discover this until XXXX on XXXX XXXX, too late to put {$2.00} in my account. I was provided with no notice of the overdraft, even though the Bank claims to provide courtesy balance alerts of their own initiative. So, I was charged a {$35.00} overdraft fee. I called customer service, where I was treated rudely and impersonally. I asked for a refund on the fee, which they did not provide, even though I acted in good faith to maintain a positive balance. It has been my experience that transactions with Bank of America post after XXXX, and I am confused about the timing of this transaction, and upset that I was charged the fee, when I could have easily funded the account had I been notified of the situation. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a Barclay 's card for many years I paid on time every single time never missed a single payment, my card was on auto pay so the the monthly payments where made automatically by the bank. 
XXXX XXXX XXXX has closed my account from one day to the other with out notice therefore my auto payment did not go through, I was in XXXX when all this happened as soon as i noticed the problem I immediate took action to correct it and i had added a other bank account so all is running smooth now, I am clearly not at fault on this issue. 
Please help me out thank you very much Happy new year 

Company response: Company chooses not to provide a public response
Consumer complaint: Numbers from XXXX and XXXX continue to call people around me, but not me directly, stating legal action and that I would be arrested if I did not call them. They continue to call my ex girl friends father on a repeated basis as well as my sister mother in law in which they call her by he maiden name. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I recently received a letter from Professional Credit Service in regards to account # XXXX, which was paid in XXXX/XXXX/XXXX ( see copy of Check # XXXX attached and other billing invoices related ), the dollar amount referenced in the letter from PCS dated of XXXX/XXXX/XXXX which is a lot less than the {$150.00} paid then in XXXX/XXXX/XXXX. The account # XXXX was paid fully to XXXX XXXX care so I do not understand that almost 6 years later I am getting this type of letter. In this case It looks like fraudulent double dipping or incompetence. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: " Lender live '' is the mortgage company for my rental home. On XXXX XXXX my home was damaged by vandalism. The insurance company covered the claim and sent a check made out to myself and the mortgage company. I endorsed the check and mailed the check certified mail to Lender live. Lender Live received the check on XXXX XXXX, 2016. I never received any correspondence from lender live. I called " lender live '' multiple times, and I finally reached them on XXXX XXXX. Lender live said I needed to send a " statement of loss '' from XXXX before they would respond to my request to release the check back to me. I faxed the statement of loss to lender live on XXXX XXXX. Lender live claimed that never received the fax. After many phone calls, " lender live '' found the fax and said that they needed to inspect the property, and I would hear from them in 7 to 10 days. Ten days passed and I never received correspondence from them. On XXXX XXXX, I called them again and spoke to customer service rep XXXX. XXXX said that the department that handles the checks, " loss and drafts '' requested more paperwork. I asked XXXX when lender live or their department called " loss and drafts '' were going to contact me about the more paperwork. XXXX said that " loss and drafts '' do not correspond with customers. I asked if I could call them. XXXX said no, they do not receive calls or send out calls. 
XXXX stated that she would send another message to " loss and drafts '' to request what was needed, but she did not know how or when I would hear back from them. From the start of the process I have never received any correspondence from lender live. Lender live has a department that is holding a {$21000.00} check. This department does not correspond with customers ; however requires correspondence with customers to release my check. This is an unfair practice to customers and is costing me {$1500.00} a month in lost rent since I am waiting for " lender live '' to releases my check. 

I filed a complaint with XXXX about Lender Live. Two days later I received a letter from lender live stating my mortgage had been transferred to a new mortgage company and I would have follow up with them concerning the insurance check. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: A certified letter original dispute with Chex Systems has been sent to address : Chex Systems Consumer Relations, XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX. A requested is sent to them to correct the negative information from the XXXX XXXX XXXX which they are making fraud and black mailing the consumer by the inserting negative information which is 100 % wrong need to fix immediately and removed from the XXXX XXXX XXXX and Chex Systems. A attorney letters and my numerous requests have been sent to them but no action is being taken place. Several complaints have been forwarded to you in this regard for immediately fixing and the removal of wrong and negative information from XXXX XXXX XXXX and Chex Systems. 

Company response: Company chooses not to provide a public response