milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2018 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I submitted a payment on XX/XX/XXXX via the GM Financial XXXX XXXX. I received a confirmation email for this payment. I have logged back on on about 20 times between XX/XX/XXXX and XX/XX/XXXX to pay for the next month. I get error messages every time I try to pay. I can not access my balance anywhere in the portal. When I login it says that I " missed a payment ''. This is not true. I paid my first payment on this lease on XX/XX/XXXX and do not have the ability to pay this months bill. From XX/XX/XXXX-XX/XX/XXXX I have called an estimated 15 times each day. I can not get anyone to answer the phone. Most times I get a voice recording that says they are having " System errors '' and then the phone hangs up. This is absolutely ridiculous. This is unbelievable that a company would make it this hard to pay them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2017 about Student loan (Federal student loan servicing) with MOHELA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: XXXX / XXXX / XXXX  - submitted a request to loan servicer MOHELA via secure online message for full payment history of my account : " Please provide detailed transaction history of my account from  XXXX   XXXX ,  XXXX  to current. ''  XXXX / XXXX / XXXX  - MOHELA 's Response : Thank you for contacting MOHELA, We will provide you with an automated payment history for your loans while serviced at MOHELA. You may view the last 12 months of payments on MOHELAs website. To the left of this message, please select Payment History under the Payment Assistance heading.     To provide a complete payment history, we will need a specific reason. We apologize for any inconvenience this  may  cause.     We look forward to continuing to service your loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: I have an auto loan with Ally Financial and I got behind on my payment, but never by more that 30-days, but still outside of the 15-day grace period. Most months I receive automatic calls from Ally regard my account, but no one is on the phone when I pickup. I complained about this issue for several months. However, each time I inform Ally collections or customer service staff of the problem and tell them to notate my account with the fact that I have made this compliant, the next time I call no note is added to my account and nothing is done. I asked the customer service person that took my last complaint on XXXX XXXX, 2016 at XXXX what would be done regarding this complaint. She stated that she would just note it in my account. I asked to speak with the manager and XXXX, manager of collections, stated that this is what happens when the automatic caller calls someone. I asked what would be done to ensure that when the automatic caller calls a borrowers there is someone there to respond. XXXX, manager of collections, simple stated that he would note the account, he did not seem to care. Finally after I pressed him about the issue he stated that he would notify the automatic dialer team. This is my fifth month calling regarding this issue and I have yet to hear of a resolution.

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 monetary relief
Consumer complaint received 07/31/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: XXXX is not able to pull my credit score from Equifax and Equifax is report the incorrect score to XXXX XXXX, where I applied for loan. XXXX XXXX show me a score of XXXX, which they got from Equifax and I pull my score from Equifax website which shows XXXX ... That score is directly from Equifax , so why did they send XXXX XXXX a score of XXXX. 
I also pull my score from XXXX which is powered by Equifax and the score is XXXX. I have attached pics from both sites for your review. I have been denied credit because of their mistakes and would like to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I AM A VICTIM OF IDENTITY THEFT AND I BELIEVE THERE ARE JUST INCORRECT ADDRESSES ON MY CREDIT REPORT WHERE I NEVER LIVE, NOR DID COMMERCIAL TRANSACTIONS THERE. I REQUEST TO ALL THE CREDIT BUREAUS TO REMOVE THEM. SOME TIMES THEY SAY OK AND SOMETIMES THEY SAY WE CANT. BUT THE HAVE NEVER BEEN REMOVE. CERTAIN ADDRESSES HAVE STOP ME FROM BEING ABLE TO RECIEVE CREDIT DUE TO FRAUDULENT ACTIVITIES. COMPANIES LIKE XXXX XXXX XXXX, XXXX AND CREDIT CARD COMPANIES HAVE STOP ME FROM GETTING CREDIT BASE ON THE FRAUDULENT ADDRESSES AND PHONE NUMBERS ON FILE.

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 12/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Advertising and marketing

Complaint: Amex recently had XXXX offer on their website. However, this offer ca n't be added to my card due to their technical difficulties. I called them to solve this problem. I call them twice and chatted twice. 
First call and chat happened at XXXX, they told me they would call me back with a solution in 24-48 hours. 
Second call and chat was made on XXXX and XXXX receptively, dial rep promised this had been escalated and would return to me in 24 hours. I waited 24 hours, no call back. Then I chatted with online rep and she promised would note their end and call me back in 24 hours. Till now, still have not hear any response! 

The key point is Amex reps kept promising their service and they are not any service for me. If an customer promised a payment and did not pay, their collection team would call us million times and bring down our credit score. Vice versus, If A creditor keep promising but does not do anything, how do we protect customer ourselves? NO! can we de-credit them? NO. I hope CFPB can step into this salutation. Please stop allow any disparate between a customer and a company!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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: I have submitted to all three major credit bureaus copies of all checks that were made on my VA mortgage loan with XXXX since XX/XX/XXXX.  The checks clearly show the payment made, cashed date by XXXX   where they used XXXX XXXX bank. I also submitted to each of three major credit bureaus the payment history sent to me by XXXX since acquiring the loan. Yet ... I still do not show the payments, cashed checks being credited and corrected to my credit report. I only show on some credit reports XX/XX/XXXX, XX/XX/XXXX. Another XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. Then I see another error with XX/XX/XXXX showing a MAJOR incorrect issue with the loan over {$200000.00} which is also incorrect. 
All three credit bureaus, you have received the proper legal paperwork showing all payments, cashed checks and payment history. I am asking before seeking media assistance in resolving this ongoing issue to please correct and credit my personal credit reports as should show reflecting as I submitted to all three credit bureaus via mail. That information was sent, received over a month ago. Yet, still my credit reports are not correct. 
This will be the final time, in which, if this does not finally get addressed I will be contacting media with regards to this simple issue that should had already been resolved. Such an easy issue, yet still after submitting all proper evidence showing all the payments I have made on this loan. All three credit bureaus still do not have the information, payments, my FICO score reinstated as rightfully should reflect on all three reports.

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 12-03-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (GA).
Issue: Money was not available when promised

Complaint: PayPal has locked my account, i.e. refused access or approval of available funds, at least 3 different times within the past two weeks. The PayPal account I have is designated as a business account ; however, once funds are deposited from normal customer sales I expect to be able to use the funds as needed, business and personal expenses. Since XXXX XXXX, 2016, two of the instances when PayPal 'locked ' my account and prevented access to my funds was because they saw numerous uses of XXXX. I explained to PayPal that I have no other access to transportation where I live and in my health condition ( bus stop a mile away and I have XXXX ). I explained further that in addition to my using XXXX, both of my kids are using XXXX using the same account. So elevated XXXX usage is justified. 

The third time my account was locked PayPal said that I needed to verify my 'existence/identify '. My account was 'locked ' preventing access to available funds until I uploaded, my driver 's license, a utility bill, shipping receipts, business information, supplier information, and invoices. At the time, my daughter needed an XXXX to get home but could not because the account was locked. She was stranded, causing a potential safety issue and cause for alarm for me! 

My complaint with PayPal is the random locking of my account preventing access to MY MONEY! This is n't prevention of fraud, this is PayPal dictating my purchase patterns which should be beyond their authority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Captial one has inquiries on my credit report that I have no knowledge about with the same dates more than once, there is the dates XX/XX/XXXX, XX/XX/XXXX, listed 2 times on all 3 credit bureaus, XX/XX/XXXX listed once, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they did not have my permission to run my credit report and XXXX, XXXX and XXXX will not remove this inquiries stating the info has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I ordered cable and telephone services from XXXX XXXX. When the cable installer tried to install the XXXX, he said that they were unable to install it due to the direction my building was facing. XXXX contacted me and stated that due to their inability to fulfill their contract, our account was cancelled. However, I keep receiving a bill for {$450.00}. I contacted the company 's president 's office, who took care of it. They sent me a confirmation email stating that it was resolved by crediting my account to show a {$0.00} balance. I received a bill from their collections afterwards, so I resolved it with their Collections Department as well. They admitted that they did not provide us with any services, therefore will stop pursuing us for this bill. Several months later, I receive another bill from North Shore Agency, a national collection agency, for the same amount. 
Yes, I initially did in fact place an order for telephone and cable services from XXXX XXXX. However, they were unable to install the XXXX, for which I ordered. They cancelled my account. I have not received any services from them whatsoever. 
Please advise how I should proceed. This is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, 60 days XXXX, 90 days XXXX, 120 days XXXX, XXXX, 30 days XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX  credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter

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 09/17/2017 about Debt collection (Credit card debt) with Clarkson Law Firm, LLC (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: We made an agreement but they had a change of address and moved and did not notify me. So I was still sending my money order to this scam company and now they send me a letter saying that I am going to jail because I did not pay. I called them an told them my mail was coming back to me that I mailed them and the man that answer the phone told me resend it and I did. Now they sent me a threaten letter saying I am going to jail due to non payments. The company is XXXX and XXXX phone number is XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In the middle of dispute with XXXX XXXX XXXX regarding unethical business practices with CFPB. They did not care to resolve-they disputed that the AUTHORIZED LOAN HOLDERS are not authorized parties so the CFPB closed my dispute. XXXX did not like the response in regards to nickle and diming fees from customers so they responded to myself and my husband ( who are both signers on the loan they provided us ) are now unauthorized 3rd party. We are unauthorized, but they take our payments monthly. Do not trust XXXX XXXX XXXX. Will not happen I am sure, but want it known that this company does not practice business ethically. I have offered to take half the responsibility for not checking that their payments that I am making are coming out of the right account, because I used to trust XXXX would have told me by mail or better yet maybe on one of the multiple occassion 's that I have spoken to a representative at their company since. No one told me that my old account number was still saved and that they can not update my new bank information for me. The over seas customer service reps are not trained adequately, so they took my payment, but never told me of returned payments that I made because my bank account was never changed, nor updated on my profile. That is why I called them, I will take half the responsibility for trusting XXXX would have done the right thing and let me know, but I should have know they are a corporation and would keep charging me fees instead of doing the right thing and letting me us know. This has been going on since XX/2016! No one told me that when I gave them the new bank info that it would not save. I expressed the fact that I could not login and had to change my bank info, yet none of the overseas reps could understand that and just took my payment without stating that they could not save this info. I honestly do not care any longer if they remove the negative mark or not. Just want other consumers to know how XXXX runs their business.

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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX and Equifax are reporting a charge off that is 9 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was served a notice of default by a seller trustee. I had never heard from my reverse mortgage company. In fact, I was told by the seller trustee that my reverse mortgage had been sold to another lender. It has been 3 years, almost 4,, since I have had a statement, or any kind of contact whatsoever. I was told by my original lender that my taxes and insurance would be paid out of a fund they had, and there was enough to cover it. In XX/XX/XXXX I received notice of default, they claimed they had tried unsuccessfully to reach me, however the seller trustee had no problem in locating me. I am in my home and have been here since XX/XX/XXXX. Lender stated that they had received mail back from an old mail to address. I called immediately upon receiving notice of default. I was given an amount and tried to pay it that day. I was told that the representative would double check the amount due and all back in two weeks. She did not call, so I did. I was told the amount was now {$1700.00} higher than the amount originally quoted. I asked for a written statement on exactly what I owed. To date, I still have not received this statement and I have made XXXX different requests since XX/XX/XXXX. I called again XXXX weeks ago, asking for the amount and it is now another {$1000.00} higher. I can not get any information, they will not tell me where to mail the payment, and when I ask to speak to someone in charge each person tells me they are in charge. Citgroup has refused to take my payment, has refused to allow me to pay it off in installments, made no attempt to notify me that I was in default and now refuses to give me the address to send the payment. They have now set a sale date for my home of XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2011 I took out a Reverse Mortgage With XXXX Mortgage ( now Champion Mortgage, same address ). My loan check was received on XXXX for a year and a half. Then it started slipping over the years, to the XXXX, then XXXX, XXXX, XXXX, and this month the XXXX, I received my check. It is supposed to be here on the XXXX. I am a XXXX that ca n't pay bills on time because if this corrupt companies actions. Contact with their customer no-service Dept., over the years, has been fruitless.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Making/receiving payments, sending money

Complaint: I made a wire transfer using my Chase account online. Chase then suspended my account as they thought the transfer was fraud ( it was n't ) I contacted Chase to unsuspend the account, who then asked me what my ex girlfriends DOB is. We dated back in 2009?!?! 

Now Chase wants me to waste {$1500.00} on a plane ticket to unsuspend the account. Ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I keep getting negative collections on my equifax report anytime I try to go finance a car. It seems like it is almost deliberate and most of the accounts are not verified. All information related to the companies were not available or identified and are old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint: On XXXX XXXX, XXXX, I used the Discover Card convenience check mailed to me by Discover by depositing this check witXXXX XXXX XXXX Before using, I called Discover, and Discover customer service rep told me, after looking up my account, that I have available credit to cover the check for {$3000.00}, and I was told by Discover that I could use this check just like any ordinary check XXXX call is recorded and stored on mp3 and took place XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I was notified by XXXX that the check was returned, and I was notified by Discover that they are dishonoring the check, even though Discover told me before hand that the convenience check for {$3000.00} would be paid by Discover, and that the {$3000.00} balance would appear on my credit card statement. The check should have been paid as agreed between myself and Discover on XXXX/XXXX/XXXX, and the terms and conditions of the convenience checks sent to me by Discover do not indicate any restrictions or limitations, except available credit only, which there was plenty of on the date and time Discvover dishorored the check in bad faith, breaching their contract and fiduciary duty to me.

Company response to consumer: Closed with explanation