milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2016 about Bank account or service ((CD) Certificate of deposit) with ALLY FINANCIAL INC. (CA).
Issue: Deposits and withdrawals

Complaint: My CD matured on XXXX/XXXX/2016. Prior to the due date I contacted Ally Bank to arrange for a partial redemption on the CD on the maturity date. I have spent literally hours on the phone and on hold trying to get a portion of my maturing CD funds transferred to my checking account. As of XXXX XXXX I am still on hold trying to get my funds sent that were supposed to be sent on 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 non-monetary relief
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been calling TransUnion credit reporting agency to try and dispute some inquiries on my credit report each time that I have called and spoken to a transunion representative I have been told no that I 'm not able to dispute any inquiries on my credit report I have also asked the representatives is there any way that I could dispute online or over the phone I have also been told no I have called TransUnion on several occasions at different times and spoken to different representatives and they each told me the same thing that I 'm not able to dispute my inquiries. And would not assist me in doing so.

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 02/15/2018 about Debt collection (I do not know) with Genesis Credit Management, LLC (CT).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Genesis Credit Management originally contacted me in XX/XX/XXXX. I disputed the charges and requested that they validate the debt on XX/XX/XXXX. I informed them on XX/XX/XXXX that I do not owe the debt they are attempting to collect, to cease contacting me, and take no further action ( attached ). Despite this though, they continue to contact me and reported the unvalidated debt to the credit reporting agencies. I submitted a complaint to the CFPB regarding further calls on XX/XX/XXXX, to which they never responded ( attached ). Subsequent to that they attempted to contact me again on XX/XX/XXXX and again on XX/XX/XXXX ( attached ). I have also submitted a complaint with the WA State Attorney General 's Office regarding the continued harassment about a debt I do not owe. I request that the CFPB compel Genesis Credit Management to cease communications and abide by the applicable consumer financial protection laws, which they continue to violate.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Other financial service (Money order) with Fidelity National Information Services, Inc. (FNIS) (NC).
Issue: Fraud or scam

Complaint: I am a XXXX Veteran. I purchased a money order from XXXX and did not use. Certegy has declined the transaction to return the money order and receive my money back. I purchased a money order for {$1000.00} but did not use it. When I tried to get a refund Certegy declined to allow XXXX to refund my money. I purchased a money order for {$1000.00} but did not use it. When I tried to get a refund Certegy declined to allow XXXX to refund my money. When I called and advised I had all the documentation used to purchase the money order they indicated that due to some XXXX risk factors they could not refund my money. The individual continued to repeat about risk factors that had nothing to do with my purchase considering I had the receipt, money order, money order receipt, drivers license. I was told that I needed to take it to another establishment to get my money and would have to pay whatever fees they would charge. This is consumer fraud. They should not be in the business if they refuse to honor the money order program as designed. Now I am stuck with a money order I can not use and the company refuses to refund my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with EQUIFAX, INC. (WY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In XXXX 2016 my entire tax packed mailed by my CPA was stolen form the custody of the US Postal Service. I reported this theft to the Inspector General of the US Postal Service and received a case number. ( see copy enclosed ) I requested a 7 year Extended Fraud Alert from XXXX and they and XXXX place this on my credit report, and confirmed in writing. ( see copy enclosed ) Equifax has never responded in writing or via e-mail to my request for a 7 year Extended Fraud Alert. On XXXX XXXX, 2016 I sent a written affidavit requesting an Extended Fraud Alert to Equifax via Priority Mail. The mailing included a copy of my WY Photo Drivers License, Social Security Card, a Joint Banking Statement with my husband XXXX XXXX XXXX, and a completed Equifax Form requesting the 7 year Alert. ( See Copy of Receipt with Tracking Number ) Equifax never responded in writing or via mail once again to my dispute or request. On XXXX XXXX, 2016 my husband XXXX XXXX XXXX spoke with " Equfax, XXXX, XXXX ''. Equifax advised that only my husband received a Dispute Number XXXX, and because my information was included with his no action was taken by Equifax , or even an acknowledgement of my letter signed by me as a seperate individual. Equifax advised my husband they could see the scanned documents including my letter, photo id, social security number, etc. in file Number XXXX. Equifax advised my husband to have me call them direct, which I did on XXXX XXXX, 2016. I spoke with " Equifax , XXXX, Fraud Department '' on XXXX XXXX, 2016. She advised me I needed to send in a separate letter as Equifax would not respond to my dispute. Equifax advised me they have assigned Case Number XXXX to my dispute and they would only put a 90 day temporary Fraud Alert on my file. Equifax told me the IG US Postal Service Report was not a Police Report, and would not be excepted. I dispute the following with Equifax THEIR FAILURE TO WRITE OR EVEN RESPOND TO MY WRITTEN REQUEST FOR ASSISTANCE WITH PLACING A 7 YEAR FRAUD ALERT AS REQUESTED IN WRITING BY ME. I have a 7 year Extended Fraud Alert on the other XXXX major Credit Bureau 's XXXX & XXXX. I have submitted a Law Enforcement Report and Case Number to verify needed 7 year Extended Fraud Alert. Equifax has in their possession all information needed to comply with my request, and still is denying my written request. Please help me with Equifax Fraud Department as they are unresponsive to my request, and unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a collection from XXXX which they claim I paid my debt through them. which I did n't I paid my debt through XXXX. I want the collection taken off of my credit report. I have proof on XXXX/XXXX/2015 I paid my final payment too XXXX for XXXX XXXX. have stated I paid them when I did not I have paid my debt through the original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (I do not know) with ALCHRO INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (AK).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A account was opened with COMMONWEALTH FINANCI I HAVE NEVER EVER BEEN IN CONTACT OR DONE BUSINESS WITH THIS COMPANY OR ANY OF ITS AFFILIATES. I HAVE NEVER AGREED OR MADE ANY FINANCIAL AGREEMENT TO RECEIVE ANY SERVICES OR PRODUCTS FROM THIS COMPANY. MY INFORMATION HAS BEEN COMPROMISED. I EXPLAINED THIS TO THIS COMPANY AND THEY REFUSE TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I AM BEING NEGATIVELY IMPACTED BY THIS COMPANIES FRAUD. THEY HAVE NOT PROVIDED ANY DOCUMENTATION TO SUPPORT THE CLAIMS ON MY ACCOUNT. THEY HAVE NO SIGNITURES OF ANY AGREEMENT FROM ME. THANK YOU FOR YOUR TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (VA mortgage) with LAKEVIEW LOAN SERVICING, LLC (CA).
Issue: Credit decision / Underwriting

Complaint: On XXXX I was sent a letter from Lakeview Loan Servicing, they offered me a 30 year fixed loan at 3.25 %. I called and upfront the loan officer said that they did n't offer a loan like that for a loan of my amount, I stated to him that they came to me with this offer with the loan amount on the offer. After a couple of days of back and forth with him they decided to keep their word and do our VA XXXX at the previously stated 3.25 %. They also stated that there was no loan origination fee 's, credit check, no appraisal, no income verification, and once we signed our loan documents acceptin the offer we would close on the loan mid XXXX. Yesterday I was received a letter stating that my loan was denied due to credit unworthiness, now if there is no credit check how am I being denied for credit unworthiness. I was upfront with the loan officer and stated I was injured at work and was in the process of preparing for XXXX. He assured me that the loan was going to close in XXXX. Now I called him today XXXX XXXX to find out what the issue was he said hat the credit underwriter denied the loan due to a late payment on my current loan in XXXX, I stated that the VA XXXX guide states there is no credit underwriting for this loan so how is it that they are the ones denying my loan. That 's when the conversation switched from his company 's unfair practices to a personal attack on myself. He said that I am still have an issue questions my integrity, as a veteran that is a huge issue for someone to call my integrity into question for simply asking for answers as to why they are differing the procedure from what he himself stated and what the VA website states as to be the normal.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Higher interest rate charged than originally told, never post payment on time and does n't add up to amount I need to pay

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Bank account or service (Other bank product/service) with TCF NATIONAL BANK (AZ).
Issue: Making/receiving payments, sending money

Complaint: I am a retired XXXX employee, and I get my check on the XXXX of each Except if the XXXX falls on a weekend, then I get paid on the following Monday. I have XXXX friends who have accounts at XXXX XXXX and XXXX who get their checks on the XXXX regardless of the date. I bank at TCF. My bank then assess Over draft fees to my account, as I have automatic payments that come out on the XXXX I would like to know why this happens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX certified letters were sent to Experian regarding a inquiry on my Credit Report regarding XXXX, I explained I did not give permission to pull my credit report and wanted proof of my permission rather it was on recording or by signature which I don't recall doing either.

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 02-05-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent out a notice asking portfolio recovery associates to validate the debt they are trying to say I owe, I specifically asked for them to provide me with my signature where I agreed to pay the creditor, however they in return only sent me a copy of a bill without any validation

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I used Citibanks online payment system to make a payment for {$20.00} and they drafted {$1500.00} from my bank account without my authorization which i am currently filing fraud charges through my bank against citibank to reverse this fraudulent payment and get my money back. In addition he company will not allow me to take any forebearance which i have requested XXXX times due to medical billing. Also the company will not allow me to adjust my payments in any way which will ultimately lead me to have to default on this loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I currently have XXXX consolidation student loans serviced by Navient. Once I entered my principal and interest repayment period my payment amount is {$320.00} for the next 20 years. On XXXX XXXX, 2016 I received an email from Navient informing me that the payment term for my loan has changed. The email then gave a list of XXXX possible reasons for the change in the amount. The new payment amount {$330.00}. This change represents an increase of {$3400.00} over the remaining life of the loan. I called Navient on XXXX XXXX and XXXX XXXX to understand what has caused the change in the payment terms since is was not easily understood. The agents and the supervisor could not adequately explain the reason for the payment change. My loan has been on automatic payments for a least past 5 years and my loan is not past due. My interest rate is fixed and the rate has not changed. A subsequent notice indicated that there is unpaid Interest of {$20.00}. As a result the unpaid interest is not capitalized is used to recalculate the new monthly payment. This {$20.00} will now cost {$3400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (I do not know) with Omega RMS, LLC (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: OMEGA company has give me a bad credit for two years. one payment was missed and with out telling me they ask for XXXX. for compensation for the loss. i found out this on a credit report.now in collection and/or write off. I would like this to stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit card () with DISCOVER BANK (NJ).
Issue: Other

Complaint: Hi, I filed for price protection for discover credit card. I submitted all the required documenation as per mentioned in price protection policy. However, they told me later i need to submit documentation pertaining to return credit from the same store for last 2-3 months. This was not mentioned in price protection policy and i did not save the return receipts. Discover customer representatives told me that they agreed that it is not mentioned in policy. I need to know why they are not honoring my claim if it is as per the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Law office of Scott caruthers. Claiming I owe XXXX XXXX. Have never ever dealt with XXXX. Rude, threatening, obnoxious

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Commonwealth financial services continues to report me to XXXX, XXXX, and XXXX via XXXX XXXX XXXX XXXX. I dispute the report and each time the reports were removed only to reappear with a different dollar amount owed. I believe I 'm being targeted as identity theft, fraud via cybercrime

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After Navient took over my loan from XXXX XXXX, I have tried numerous times to try to get my co-signer off my loan, but their requirements are so strict that it it almost impossible. Even when your a few days late the calls go into the night and on weekends also. When XXXX XXXX handled my loan there were times I needed a defer my payments and they would charge a XXXX dollar fee to delay payments for a short period. Finally, I have tried and so have my parents to try to get the payment amount reduced and have been met with opposition. " Can someone else help you pay, '' " What about your co-signer, '' " Can you make a payment with a credit card. '' All of those words I would hear back from them, and nothing be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I am in danger in having my home foreclosed upon by Nationstar Mortgage. I need help. I am behind on my payments and have gotten no help from my lender. I went through the state of Oregon required foreclosure prevention program. I proved financial hardship caused by unemployment, painful divorce and new job paying much less than my old one. My then wife and co borrower left me for other men after thirty years together. She has since filed quit claim deed on property and has nothing to do with it now. I sent all the documentation that the lender required. Lots of forms, tax info and the like. I asked for a lower, affordable mortgage payment so I could stay in my house. I asked for debt forgiveness on my past dues. No solutions, government plans, or help has been offered at all. I had n't heard from my lender in a couple months, at least, then I received a letter from their law firm stating that they would seek a default judgement against me. I want a fair chance to save my house for my daughter and myself. Nationstar has not dealt with me fairly from the beginning. They have shown no interest in helping me save my house. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I have an account at Usaa I called them on XXXX XXXX when XXXX had a data breacher with me being a federal employee I was advise to take procaution so i called them on XXXX/XXXX/15 asked them to close my account ending in XXXX. I open a new account ending in XXXX come to fine out they didnt close it and alot of ach payments tried to come through and they charged me XXXX for everyone that tried to come thruogh amounting in XXXX Now they have closed that account and put holds on all my other accounts with me not being to recive my direct deposit until that is paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Total frustration! Apparently, annualcreditreport.com does not request enough information from users for the credit reporting agencies to process the requests. XXXX was the only agency that would furnish an online report.

Company response to consumer: Closed with explanation