milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: I informed my bank that I was having XXXX and had to pay over {$3500.00} and would not be able to make my payments until I was recovered. I called on XX/XX/2017, and after being told incorrect information several times while trying to pay {$800.00} of {$1400.00} owed, I was finally told I had to pay by XXXX which has a large fee. I asked if I could just pay the full amount on XX/XX/XXXX, they said that was fine & also said they would change my payment date from the XXXX to the XXXX. Then, they repossessed the vehicle on XX/XX/XXXX. I paid the full {$1400.00} plus {$400.00} in fees on XX/XX/XXXX - I called same day to confirm they received the XXXX. payment and to ask about the amount of fees and if my payment date was changed. On XX/XX/XXXX, I got my car back and called again because my online access to see my payment history was still cut off & I still did n't know breakdown of the repossession charges. They said payment would post soon, my payment would change to XXXX, I would get a letter with the breakdown of charges, and my online access would be restored. On XX/XX/XXXX, I got a call saying my payment was late, I said it should have been changed, they said they had no record, but the guy put in the request for the payment change on the phone, said it was granted. I asked how I would know for sure, so he gave me a confirmation number for the payment date change and said I could make the payment on the XXXX no problem. On the XXXX, they said my payment was late and I was being charged a late fee. I asked why my payment date was n't changed, they said it was only effective after I made the payment. I finally got the letter regarding the repossession fees charged in XXXX and gave a written response to the letter demanding a breakdown and receipt of the charges ( even though I had already requested one by phone ). I never received the breakdown of charges. On XX/XX/XXXX, Ally began calling me again saying my payment is late and when told about the CONFIRMATION number for the payment change, said they see nothing on file or saying that it was n't approved. My mom 's and my credit scores have dropped, I have had to pay fees that Ally Auto will not tell me what they are for or provide a breakdown despite sending me a letter quoting law which says I 'm entitled to that information. I have now paid nearly {$1000.00} in fees which Ally refuses to give an accounting for and if I do n't pay, they will repossess my vehicle again.

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 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received a letter dated X/X/2018 from JP Morgan Chase Bank regarding my XXXX reward credit card. I have been advised my account will be closed for I could " create possible reputational risk to them '' if they continue our relationship. They contacted me to open this account. I had a mortgage with Chase for more then 15 years, it was NEVER late. I do not owe any monies to any one or any business. My credit is perfect. I will also loose my points associated with this account if I do not use them by XXXX. I wrote demanding an answer as to why my account is being closed, I still have not heard from them. In looking on line other persons have written this has happened to them. Many have various felonies on them, I do not have ANY record, not even a traffic ticket. I do not use this card much at all, however I do demand a reason as to why they are closing this account. I also do not want to loose my points. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Payday loan, title loan, or personal loan (Payday loan) with Enova International, Inc. (AL).
Issue: Struggling to pay your loan

Complaint: Been paying this company  2 payments every 2  weeks. They was only surposed to get 1 payment a month but taking out 2 every 2 w eeks. On   XX/XX/XXXX he y took out {$450.00} and they {$390.00} on the same da y. CNUSA has  put a lot of inturst on it at 29.999 %. I ca n't pay my regarler bills because of this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: I opened  a HSBC  checking account with promotion {$350.00} opening bonus after complete following task, " Received at l east one qualifying direct deposit per month into your HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required. '' ( Exact copy from terms  ) In fact, I completed required direct deposit activities, but do NOT get my {$350.00} opening bonus, even after talk with banker as they still insist I do n't completed required activities.      Timeline  :  XXXX / XXXX / XXXX  Opening account  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am in the process of getting a mortgage refinanced. 

I have seen my credit reports from XXXX, Experian and XXXX. 

Experian has information that is not true. They clain deliquincy, balnce of credit relative to available credit is too high, number of accounts with deliquency is too high, etc. 

None of that information is accurate. These are all lies.

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 09/23/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America fraudulently accepted a mortgage loan on false identity, false income earnings and information, accepted information of identity theft of deceased person ( XXXX/XXXX/2002 ) -accepting falsified IRS documents of my taxes of an employment of the company that produced the loan when in fact I never worked there. Bank of America has accepted a loan that should of never been processed because all of financial information was bogus, fraud, identity theft - the mortgage brokers were XXXX and were XXXX while doing the loan ... the loan was for {$160000.00} on a house that was not even my home and converted the home as identity theft from my deceased mother as we have the same names. The mortgage broke transferred the title and deed of the home without my knowledge or permission and attempted to transfer the title assuming this had been done during her estate upon her death. 
Bank of America has not acknowledged their mistakes and my lawyer & I discovery papers that have verified that facts remain true to this travesty of errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I attempted to pay off a mortgage loan with Chase. The loan number is XXXX. I sent XXXX personal checks to Chase to pay off the loan. XXXX was for {$13.00} and the other for {$41000.00}. Chase should have received these checks on XXXX XXXX, 2016. On XXXX XXXX I called my bank to determine if the Chase checks had cleared and found out the smaller of the XXXX checks had been paid by my bank. I called Chase to determine why the larger check had not been presented for payment and was informed since this was a pay off they needed a cashier 's check. I then went to a Chase branch here in XXXX to see if they could assist me in getting Chase to present the check to my bank and the Chase brance was told a cashier 's check was needed. When I first talked with Chase I was also ; told Chase would mail back tome the larger check and the Chase employee at the XXXX branch was told the same. I then went to my bank and obtained a cashier 's check and took it back to the Chase branch in ; XXXX and received a receipt. On XXXX XXXX I called my bank to check on the balance in my account and found our Chase on XXXX XXXX had indeed presented my large check for payment which was returned to Chase for NSF as the monies for the payment had been withdrawn when I obtained the cashier 's check. I then called Chase to determine why they had presented my check for payment when they said they would mail it back to me and it was supposedly against their policy to accept a personal check for a pay off. No one at Chase had any explanation of why this happened. 

Then adding insult to injury Chase again presented my personal check to my bank on XXXX XXXX which was paid by my bank but created a negative balance in my account. ; After I wen t to my bank that check was returned to Chase NSF. On XXXX XXXX I received a letter from Chase dated XXXX XXXX informing me that my loan was paid off which it was on XXXX XXXX. 
I have spent more than 5 hours attempting to get this matter resolved with Chase including in 3 trips to their XXXX XXXX and 3 trips to my bank to clear up the NSF issues created by Chase It would appear to me that if Chase does in fact have a policy regarding only the acceptance of a cashier 's check they should follow it. Also I should have been able to rely on the representation by Chase employees that they were going to mail back to me my check and not present it to my bank for payment Further why Chase would present a check for a payoff on XXXX XXXX when their records showed on XXXX XXXX the loan was paid in full can not for any reason be justified.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called American Medical Collection Agency  ( AMCA )  to dispute the amount they were reporting to the credit bureau {$140.00} and the female agent verified all my information and disconnected the call. I received a bill for the amount of {$250.00} but reported {$140.00}. The bill shows  XXXX  separate dates of service over a period of two years (  XXXX  ) added together. This debt is in violation of my rights because I was not sent a bill with the appropriate amount. Taking and adding bills from separate past dates together is a violation. I want my this removed from my credit. I want to receive an accurate bill with the amount that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other service problem

Complaint: I have an account open with the company Coinbase where I bought {$300.00} of bitcoin at the price of {$9600.00} per coin, so I received XXXX bitcoins. I noticed that on XXXX XXXX, when I tried to log into my account it said " your account is temporarily disabled '' and I was unable to log in to my account. I contacted the Coinbase customer service line, XXXX ( XXXX ) XXXX and spoke with a representative who said " Some red flags were raised on your account, but I do not know what they are, I have forwarded your case on to a specialist who will work with you to reopen the account ''. Since then I have received no contact from the website that would indicate that they are working on my case. I called again today XXXX XXXX, and spoke with another representative " XXXX, '' he said that he raised the priority of my case and that I would receive some type of response before Monday. It is a bitcoin exchange, and due to the time sensitive nature of fluctuating bitcoin prices, I need to be able to log in if I want to sell my bitcoin. I have read on the internet that many people have this problem ( i.e. " account temporarily disabled '' and Coinbase taking multiple weeks or months to unlock their accounts ). I find it highly distressing that Coinbase is not working to resolve this issue expeditiously. And I stand to lose money if the price of bitcoin goes down and I am not able to sell my units.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have submitted supporting documentation to equifax and the other XXXX credit reporting companies in regards to XXXX accounts that are reporting as potentially negative. I contacted equifax because I received an e-mail that my results are ready to view. Upon clicking on the results nothing was there. I called equifax again to re-dispute these XXXX accounts. ( XXXX ) as they are to be listed as accounts that are in good standing and the degratory remark to be removed from the reports. Equifax tells me that it is still in dispute. I question how this can still be in dispute as I received confirmation that the results are ready. They will not let me re-dispute this incorrect information. The letters I uploaded from each account states to update my information because I contacted them directly to correct this information. I am getting nowhere again and my score keeps going down. I am trying to obtain credit for a car loan and having this incorrect information on my credit reports is affecting me in obtaining credit. I ca n't even view my report online I keep receiving an error message and tells me the address where I can write to them. I have sent letters/phone calls etc trying to clear this up. I am complaining because this has been going on for months and it should have been corrected by now especially when I have supporting documentation straight from commenity bank who holds these XXXX cards ... .. ( XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Medical) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (FHA mortgage) with EMBRACE HOME LOANS (VA).
Issue: Application, originator, mortgage broker

Complaint: I have applied for a home loan through Embrace Home Loans in XXXX 2015. I was pre-approved and went through the process of finding a house. After finding a home and having the owner file for bankruptcy in XXXX, I was on the search again. I found a home for sale by owner. So I spoke with my loan officer, XXXX XXXX, and told him that the owner was fine with me moving in with a deposit and she can wait till XXXX to sell the property to me so I could get a XXXX % financing loan. I sent him an email XXXX XXXX, trying to get him to start the loan so we could hopefully close by XX/XX/XXXX, like the owner of the home wanted. I recently found out he did not start on the loan until XX/XX/XXXX. 
Every few days I send him an email or text asking how things are. He has told me several times that everything would be closed on time. Until it got to XX/XX/XXXX, then he promised it would be finished by XX/XX/XXXX. Now here we are, XX/XX/XXXX, with still no set closing date. 
I made an agreement with the owner of the property that I would have to pay {$40.00} per day that the loan goes past the closing date in XX/XX/XXXX. This Chip knew, but still he does not seem to know what he is doing even though he is the branch manager. I could understand this taking one month or even two. But we are into month 4. To me this is ridiculous and I have no idea what else I can do to get him to move things along. 
I am a single mother with XXXX children. I am very lucky that I can even afford a home like this but this is causing unneeded XXXX to not only me, but my XXXX-year-old daughter who is worried that we will not have a home if this is n't finished quickly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On my credit reports it shows that Wells Fargo pulled my credit without my consent. That is a violation of my privacy. I did not authorize this inquiry.

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 11-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have requested my free annual credit report from all XXXX Credit Bureaus ; of which I received from XXXX and XXXX. Equifax constantly states my information given does not match their records. So I then go to the Equifax website to try to dispute info on my credit report. Again, I still receive the same message. I have a XXXX account and I put the same info they have listed on their into Equifax online dispute form page and it sates, " Information does not match their records ''. So I call Equifax and am told to fax over documents and if I want to gain access to my credit file online I would have to pay for it. I believe Equifax is giving this prompt out to many people so that they can sell you your credit report and make profit. The information I 'm putting in is the exact same as I see on my XXXX XXXX profile page. I currently do not have a mortgage, car loan or credit cards but the security question prompt will not accept " None of the above '' as a response.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Equifax is reporting a PAID FEDERAL TAX LIEN which is beyond the statute of limitations according to The Fair Credit Reportin g [ 15 U.S.C. 1681c ],  which lists items that are to be EXCLUDED from consumer reports. Item number  XXXX  states " Paid tax liens which, from date of payment, antedate the report by more th an seven year s. '' ( The original filing date of the lien is  XXXX . The lien is satisfied, and should have been removed in  XXXX , 7 years after the filing date. ) Additionally, Equifax is simply reporting this a  Federal Tax Lien  with no notation that it is paid.     On  XX/XX/XXXX  I submitted an online dispute with Equifax, which to date, still shows my request is " pending. '' Equifax #  XXXX .     On  XX/XX/XXXX , I called to ask what was happening with my dispute and why it was taking so long to resolve. At that time, I was told that this item would remain on my report 7 years from the date I paid the lien. I argued with them, and Equifax representative took a secod complaint over the phone. #  XXXX . Their resolution was that they confirmed the lien with  the County Recorder 's Office.      Though I have provided a copy of my Relea se of Federal Tax Lien notice , and cited the Fair Credit Reporting Act, Equifax is refusing to remove this from my credit report.     I would like to note that it took me less  than 5 min utes to dispute this  with  XXXX  o nline. They removed it from report the following day, and e-mailed a link to my revised credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Student loan (Federal student loan servicing) with Premier Student Loan Center (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: On XX/XX/XXXX  I contacted Premier Student Loan Center to inquire about a loan forgiveness program for  XXXX . I spoke to "   XXXX   XXXX   '' who proceeded to determine if I qualified for the program. She said that according to the guidelines that I would qualify. She explained that my payments could be lowered from {$150.00} to {$89.00} a month through the program called public service employees forgiveness program or PELF. Additionally, my loan could be forgiven in as little as 10 years. She then had a loan processor contact me for further information regarding my income and taxes. His name was "   XXXX   XXXX  . '' I communicated with him further through emails and submitted all requested documentation. They made it seem like a very common practice in this field.
On  XX/XX/XXXX , a final email was sent to me congratulating me on qualifying for the PELF Program. A new payment amount of   XXXX    dollars would be due  XX/XX/XXXX  according to the email. I thought this was strange since I was expecting it to be {$89.00}.
On  XX/XX/XXXX , I went online to verify that my new payment amount was in effect only to find that it was not.
I contacted   XXXX    and she assured me that it was " being taken care of, not to worry. '' A couple more weeks passed and I checked my account again, same thing, no change.
According to my loan servicer,  XXXX , my payment is {$150.00} a month which is the same as it was before I contacted premier student loans center.
Therefore, this company has done nothing to help me even though I paid them in full for their " service ''.
I have attempted to contact them several times in the past two weeks only to be told that "  XXXX  '' no longer works there and nobody seems to know what happened or why my lender is not aware of my approval for this program.
I 've left several messages for  XXXX , including two voice messages today,  XX/XX/XXXX , and he has failed to return my calls. I spoke to somebody named   XXXX    who is supposedly a supervisor, he told me that  XXXX  would call me but   XXXX   never did.
I have spoken with my loan servicer  XXXX , who advised me that I could have applied for this program free of charge through them, a fact that premier student loan center never informed me, in fact "  XXXX  '' claimed my servicer would not be able to help me apply for this program at all. I now know that I could have saved {$1100.00} and a lot of stress over this nightmare. I was completely misled by this company and they took my very hard earned money and did absolutely nothing to help me qualify for the PELF program as I paid them to do.

Company response to consumer: Closed with monetary relief