milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MD).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: On XX/XX/XXXX, my vehicle was repossessed by Ally Bank, who is the lender on my car loan. The total amount due is {$1600.00} and {$730.00} in late fees totaling in {$2300.00}. After realizing my vehicle had been repossessed I contacted Ally Bank in attempt to pay my past due balance and redeem the vehicle, and obtain my personal items from the vehicle. I was transferred to the Redemption Department. The agent notified me that at that time, they have no information on the location of the vehicle at this time. The agent advised me to call back within two hours and they would have more information. Within the two hours I called back, after holding for 20 minutes an agent answered to take a message and someone would have to call me back within 24 hours. I requested information on the location of the vehicle in order to obtain my personal belongings, I was denied that information. I called back 3 more times. I was again asked for my information for a call back each time. After attempting to call for information over the duration of 10 hours, when I called back, I learned the redemption department was closed until Monday, which is two days away. I was never contacted ( 10 ) days prior to repossession of intent of repossession. I am being denied access to redeem the vehicle and denied the location of the vehicle in order to obtain my personal property. I believe I 'm being denied in order to accumulate more repossession and storage fees. They would n't even allow me to pay the past due balance.

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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I am a victim of identity theft.  XXXX , Experian  and   XXXX   XXXX   h as the following address listed on my credit report :  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , MN  XXXX , the address do n't belong to me. I have never resided at that address.

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 07/31/2015 about Mortgage (Other mortgage) with MEDALLION MORTGAGE COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: i '' ve had a hard money high interest loan for 3 yrs. it was supposed to be a short term loan. i have repeatedly tried to refi out of this loan and have been unsuccessfu. my lender medallion services of XXXX have repeatly refused to comply with simple request for payoff demand, and medallion services represented by XXXX XXXX XXXX has continued to refuse to communicate with any title company seeking info for refi on my XXXX XXXX XXXX property. medallion attempted to foreclose, i filed a motion ex parte to get emergency injuction from any sale and was successful however Medallion service sold the property anyway despite the order. i know i am a victim of predatory lending i need help.theses people are crooks. Medallion has charged us extremely high rates from our agreed 12 % to 16 % without any response to our written inquire as to the cause of the increase, enough is enough. i need help.

Company response to consumer: Untimely response
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: My complaint is regarding the fraudulent/mispresentation cash rewards and refund ( over payment ) AMERICAN EXPRESS ACCOUNT ENDING XXXX. 
First of all, I paid off the amount of {$2100.00} and payment was received X/X/17. 
I received a statement amount stated {$2000.00} due date was X/XX/17. 
I called and told them that, my refund should be {$74.00} instead of {$67.00}. 
Per conversation, they cant give me the full amount because of the interest fee. 
Its not making sense if the stated on the statement is {$2000.00} ; and I over paid them and theyre not going to give me the exact refund amount, {$74.00}. 
And I asked, regarding my cash reward in the amount of {$33.00} ; and I want to claim or send it to me. They said, not able to send/give to me because of the security question. They asked me XXXX XXXX if I am related to her and I said, I dont know her. That was the reason why did not process my cash rewards. Thats a fraud or mispresentation of the company on their advertising or promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've called many times to the credit reporting agency to inform them these inquiries were not mine, that they were fraudulently. The agency are telling me to just let the inquiries fall off, but they do n't belong to me, so I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted documents for a loan modification to Nationstar. Every XXXX months I would receive more loan modification packages to fill out. I would fill them out and submit them as requested. I was assigned a XXXX. I have never spoken to her because each time I called her at Nationstar, I was told they could not transfer calls. XX/XX/XXXX my home was bought back by the bank at an auction. I contacted Consumer Affairs, Nationstar said it would take XXXX days for them to respond. XX/XX/XXXX I received an email from Nationstar telling me my modification was denied XX/XX/XXXX. I did not receive the letter. I have called Nationstar on numerous occasions to inquire about the status of my modification. No one told me that I had been denied the loan modification. I want to keep my property and get a loan modication. What can I do to keep my home?

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Onemain is reporting a collections / charge-off to all three major credit bureau 's ( XXXX, XXXX, XXXX ) under Account # XXXX stating I owe a balance of {$5500.00} for a installment loan opened on XX/XX/XXXX 2013 and Onemain Financial XXXX XXXX XXXX XXXX , MD XXXX is reporting the same installment loan under Account # XXXX opened XX/XX/XXXX2013 stating I owe a different amount of {$6100.00} causing two highly damaging negative items on my credit score. This is double jeopardy, collection for the same debt. 

I have contacted Onemain and filed disputes with all three major credit bureaus and can not get this removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Payday loan debt) with Roycroft Management (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The call is coming from " CMS '' ( XXXX ). The rep who is " handling '' my case is " XXXX XXXX ''. XXXX says they are attempting to collect a debt on behalf of XXXX. In XXXX  2015, I did take out a payday loan - in person. No online application submitted. After the threatening phone call, I was to pay {$250.00} soon ( upcoming payday ), or the amount would increase over $ 1000+ ... The company ( CMS ) address provided, as per my request was : XXXX XXXX, XXXX, NY XXXX. The " DOS '' they 've quoted me is XX/XX/XXXX/2015 ; however this is so very inaccurate. I 've asked for info via email and of course they created a faux document which I still have in my email. They said to avoid being served papers at my work, I need to call XXXX ; naively, I did so and spoke with an " XXXX '' ... and fearfully, I provided her with my debit card # to be charged later that week. [ Initially my case # given was : XXXX. However, now that they 're calling me at work again, the case # differs ( XXXX ) ].
<P/>
I had a funny feeling and remember hearing about fake payday loan companies who go after people attempting to collect for an old payday loan. So, I decided to do research and look-up the info given during the call with " CMS '' ; I then contacted XXXX directly. I s/w with the rep there who said she 'd provide my call back info to their Corp office ; later that day, I received a call from XXXX from XXXX XXXX corp office. She states the collection agency/company third-party that they use is XXXX  XXXX. She says their collection attempts to not include harassing phone calls and, more importantly, they do not include a company " CMS ''. XXXX  states this is not the company they use for collection.
<P/>
Once knowledge had been received from XXXX XXXX corporate office, I cancelled my direct deposit to avoid being charged by CMS. Later that day, I called CMS back and spoke w/ the 'case manager XXXX XXXX ' . I told him that I spoke w/ XXXX and their info differed from that of which XXXX had provided. He began to go on and on about his legitimacy ; I just said " ok, uh-huh ... and he asked if the payment would still be made on my payday, I said Yeahhh surree ... The calls stopped for a few weeks until 2-3 weeks ago. Everyday they call me at WORK! It 's quite embarrassing ... they 're so anxious to s/w me so they can avoid serving me at work ... why not at home? And since I 've ignored their calls and voicemails, what are they waiting for?
<P/>
Please help me to make this stop! PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Upon checking whether my personal information had been stolen via https : XXXX, I was told that it may have been stolen. This data breach allegedly began in mid-May XXXX, was discovered on XXXX XXXX, XXXX, and was reported in a press release on XXXX XXXX, XXXX. Obviously, there will be an ongoing investigation of whether Equifax was negligent in its management of consumers ' personal information. Meanwhile, I think it is clear that they have failed to follow up appropriately on this event in two important ways : 1 ) It took them 40 days before they released any information about the breach 2 ) When they finally did acknowledge that the breach had occurred, they made no effort to contact potential victims, instead issuing a press release that may or may not be noticed by victims

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Medical) with BYL Collection Services (DE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: BYl collection services did not provide adequate verification fpor debt question. No documents were provided showing a contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MN).
Issue: Account opening, closing, or management

Complaint: Summary : I did not receive the bonus points that came with a promotional offer Citi was offering even after they have confirmed it via live chat and secured message. 

Events : Opened a Citigold Checking account during XXXX 2016. There was a promotion of getting XXXX XXXX XXXX Aadvantage miles for opening said account and completing certain requirements. The requirements were : 1. Use the bill pay function in two consecutive months 2. Make {$1000.00} in debit card purchases with the Citi debit card. 

Confirmed with Citi representatives via Live Chat and Secured Message on XXXX/XXXX/16 that I have completed all the requirements and was eligible for the bonus points during XX/XX/XXXX and had to wait 90 days ( starting from the following month ) for the points to be posted onto my XXXX XXXX account. I should have received the bonus points by XXXX/XXXX/16. 

There is a $ 30 monthly fee for keeping the account open. I kept the account open solely for waiting for my XXXX XXXX miles to post but they did not show up long after the 90 day mark. Contacted Citi soon after to ask when I will get the points and they said that I was not eligible for the bonus points. They did not even send me a notice saying when or how I was disqualified while I just kept waiting and paying the $ XXXX monthly fees for a total of {$90.00} to date. 

This is very misleading of Citi to first confirm then to disqualify after having paid monthly fees to keep my account open.

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 04/28/2017 about Checking or savings account (Checking account) with PENTAGON FEDERAL CREDIT UNION (PA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: My deposits are not being processed on time for me to receive them because they dont want me to report them for the y will be closed on a Saturday and they try to determine who I report them to the following Monday. I call 3 othe r banks that said I should have received my deposit fro m VA defas or  the treasury.     Also bank took money from my account after I confirmed by phone that the money was there. When I went online to spend it suddenly  XXXX  disappeared then  XXXX  more then  XXXX  more not allowing me to pay my tuition and ruining my registration for courses. I emailed and they refused to state entirely what had been done. When I called they claimed a disclosure that i never received took effect at that very moment late in the afternoon and thats why they did it. So they admittingly denied me my banking rights to hide their discrimination. And just gave me the money back ...     Please help me in this matter.   They have been ruining my life this year

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: USAA reporting late payment and upon review of documents submitted previously I still maintain the following which this company has yet to address : " USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. On XX/XX/XXXX USAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired in XX/XX/XXXX '' SEE ATTACHED EXH A. <P/>Sure they called XXXX XXXX several times but we all know the amount of nusiance calls received, however, that does n't get USAA off the hook for failure to contact me. I checked my credit report and it lists my employer and phone number. They could have easily contacted me to resolve the missed payment. I also have the absolute right to know I signed for a loan and review for proper contact information. If this turned out to be fraud what would USAA do exactly. They fail to address my issue or return my phone calls. <P/>Look I am still in XXXX and this has tanked my credit score. I have attempted to contact USAA and left numerous voice mails and NO ONE returns my call. Who do I complain because this company does n't return phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Submitted Request for a Standard Modification but was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Debt collection (Payday loan debt) with Recovery Solutions Group, LLC (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: This company who named themselves as XXXX XXXX by phone, but recovery solutions group via email. Started leaving voicemails that should 've been private on my cell phone and the cellphone of someone I 'm close to. Below is the numbers called and a summary of what the agent said. I still have all recordings if needed. 

On XXXX at XXXX and at XXXX stating that I was being contacted from the Clients process division for an order on 2 pending matters. If I wanted to voluntarily resolve the issue to contact their offices. The messages were left on my cellphone and my friends cellphone. 

This company who never left their name again left a voicemail on XXXX, XXXX saying I was going to be served paperwork at my place of residence or employment for failure to respond. Those messages were left on a phone number which is not my number. 


This company left 2 voicemails on XXXX at XXXX XXXX and XXXX XXXX on my cellphone and my friends phone numbers stating your office need to verify my address to handle this matter outside of my county. 
The agent went on to say she could be contacting my Human Resources department, but the client was will to resolve the matter if I called in today.
This prompted me to call into their office while recovering from a XXXX that I had not even a week prior. Only to encounter the rudest person I 've ever spoken to. I told their representative that I had n't gotten any correspondence from their company and asked for an address. The representative refused to give me the address and threatened me with garnishment if I did n't comply and hung up on me when I refused. I called back and talked to XXXX who said she was a manager and she was unprofessional to say the least. She also refused to give me an address and threatened me with garnishment and hung up on me. 

I called back and asked for an address to send a letter requesting this company not call me any more the representatives refused to give it to me and repeatedly hung up on me. I eventually had them email me a settlement offer. Which I replied to asking them not to call me. The letter was sent once I provided them banking information. 

I did n't feel good about the whole thing so I put a stopped payment on the check. This company then calls both my cell and my friends and and left a message saying that a check bounced in their office and I needdd to contact them. Both messages were left on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Another name is listed on my credit report. There is also a  XXXX  account that states it is overdue, but it belongs to this other person on my credit report.

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 02-07-2018 about Debt collection (Other debt) with Security Credit Services, LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: I was sued by the original creditor XXXX XXXX in the state of VA. It took a while but the lawsuit was removed from my credit report. The account was also removed, but they keep putting it back on. It has been removed from XXXX as of now but is still reporting on the other sites. I would like them to remove the accounts and have the lawsuit removed from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Hello, I recently had my Navient Loans managed by a collection company called XXXX. I made a settlement agreement with them to pay off the loan. Then the day before the loan payment was supposed to be taken out, Navient took to the loan back from the collection company. This was done by a system that automatically removes accounts from collection companies who have not received payment within a certain period of time, I believe that 's the 30 days. However, I had an agreement in place, and I feel that Navient is taking extraordinary steps at trying to make this repayment incredibly difficult for me. I would like my loans sent back to XXXX XXXX XXXX XXXX.I would also like someone to look into this automatic system that 's pulling loans from collection companies that are already in repayment plans. The system should make an exception for those loans, and allow the collection companies to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Shopping for a loan or lease

Complaint: I reached out to the creditor and upon speaking with a representative whom provided his first name as " XXXX '' stated that there was n't much that he could do about the inquiries except what I am already trying to do myself and thats reach out to the dealership 's via phone. At this point the dealership is saying that since that since they are the ones ' who ran the credit, than they ( Santander ) are the only ones ' who may have the inquiries removed. 
Providing that they never had proof/written authorization via credit application following a valid state issued ID. I ask that these inquiries be investigated since I have already stated that my current state is a victim of fraud and identity theft. It has been made very clear that someone is and has been trying to obtain an auto loan. The excessiveness of credit being ran is point one of many. Credit does n't change much in a day or XXXX as agencies report every XXXX days raising a flag in most cases. That concludes my response and now it is my intent to resolve the matter with all options within my legal rights. Thank you for your time and attention regarding that matter as it is very sensitive.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Revenue Corporation (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX reported the same item on my XXXX Credit three times. The account number is XXXX for the amount of {$670.00}. The original account number is XXXX. The reporting dates are XXXX XXXX twice and XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation