milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MO).
Issue: Problems when you are unable to pay

Complaint: Due to a pending divorce, my wife decided not to make the car payment for 3 months. As a result of this, the vehicle was repossessed. Ally financial, the loan originator, sent me a letter on XXXX stating their intent to sell the vehicle by XXXX. Their letter stated that I could get the vehicle back if I paid the past due payments plus late fees and towing charges. The letter instructed that I could make the payment by cashiers check, XXXX XXXX or money gram. After contacting ally on XXXX for the exact amount owed to get the vehicle back, I made a payment of {$2700.00} via XXXX XXXX by phone as instructed per their letter. 4 days later and hours spent on the phone and they still have n't released my vehicle to me. The reason they state is that I used XXXX XXXX speed pay instead of XXXX XXXX quick collect. Nowhere in their letter does it specify to use XXXX XXXX quick collect. I have paid the balance in full and ally refuses to either refund my money so I csn pay via quick collect or release my vehicle to me. Ally has stated that they will apply my payment to the remaining vehicle balance but that is not why I paid this amount. {$2700.00} was paid to ally for the sole purpose of getting my vehicle back from repossession. This is fraud and deceptive business practices. I have also contacted the Missouri attorney general to file a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My wallet was stolen on XXXX XXXX 2016 with all my information social security, debit and credit cards, Drivers license. The perps have used my social to open credit card accounts under my name I 've reported the situation to the credit bureaus I 've placed a fraud alert and only transunion has deleted the fraudulent inquiries I 've had about XXXX inquiries since XXXX XXXX and XXXX account was opened. I 've reported this to the FTC and my local police I 'm a victim of identity fraud and I need help. The perpetrators address has been added to my own credit report as if it 's mine.

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 07/30/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus is my mortgage service. My bankruptcy was final XXXX XXXX, 2014. It was a Chapter XXXX bankruptcy. The mortgage was outside the bankruptcy. Seterus has not been reporting my mortgage to the credit agencies since they have been servicing the loan. They started servicing nearly 7 years ago. They now say I must re-affirm the loan. My bankruptcy attorney says that is not true, that they should have been reporting the loan all along. 
I am securing a refinance of my home and it is not possible while Seterus continues not to report the mortgage to the credit bureaus. Please " encourage '' Seterus to report the loan ASAP. 

You handled another complaint I filed on Seterus ( Case number : XXXX ) Thank-you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Hello, I have previously submitted a complaint towards Navient and how they made me pay interest while I was in school. When I submitted this complaint, Navient responded stating I stopped being a XXXX XXXX student and that is why I had to begin paying interest while I was still in school. I did not have a full time job during this period of time, so I was constantly stressing trying to figure out why and how I could pay for my loans while I was still in school. Naveint sent me this response to my complaint. " Your Subsidized Direct Loan was disbursed on XX/XX/XXXX. For subsidized Direct Loans disbursed between XX/XX/XXXX and XX/XX/XXXX, you are responsible for the interest that accrues during the six-month Grace Period. Your loans are entitled to one uninterrupted six-month Grace Period. You Grace period began when you withdrew from school on XX/XX/XXXX and ended on XX/XX/XXXX. Then your loans entered repayment. You did not return to school at least half time until XX/XX/XXXX, at which time, your loans were placed into an In-School Deferment. '' I was in fact a XXXX XXXX student from XX/XX/XXXX-XX/XX/XXXX. I never once deferred enrollment. The fact that they did n't even call to confirm if I deferred from school or not is appalling to me and extremely irresponsible on their part. To assume I stopped going to school, and to begin harassing my parents to get me to pay the loans is unfathomable to me. They kept calling and calling and saying that I would have bad credit if I did not begin paying. Not once did they mention in the calls that I had to pay interest because I " was n't in school ''. I have proof of my full time registration at XXXX. I want this issue to be addressed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Account opening, closing, or management

Complaint: Chase did a bear interest on a XXXX check, then close my account, violating the fair reporting transaction act.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Recently XXXX inquires were removed from my credit report with Transunion as of XXXX XXXX 2016 I had XXXX inquires with a credit score of XXXX on XXXX XXXX 2016 they added XXXX inquires on my report I have not inquired recently about anything until today which should have been XXXX inquiy to XXXX. Also I filed a dispute about XXXX and the report was removed for my file as XXXX bal paid as agreed. It was just again recently added back to my account after fighting with these accounts for sometime. It has been well over 30 days the results show expired and others show that nothing was never done. I have received no notification of any kind in over XXXX days

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 03/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX my wife, XXXX, and I obtained a Pick-A-Pay mortgage from XXXX which was acquired by Wachovia Bank and finally by Wells Fargo Bank. In XXXX Wells Fargo Bank consented to a special loan modification XXXX XXXX XXXX to satisfy a class action lawsuit alleging fraud. The New Jersey Attorney General 's office reached a similar agreement with Wells Fargo. The XXXX would have eliminated accrued interest payments and would have eliminated some principal. In my case, shortly before the new modification was announced, Wells Fargo forced me under threat of foreclosure to accept an ARM which had sharply increasing interest rates. I could not keep up the payments..I was informed by the folks running the XXXX settlement that I was eligible. Wells Fargo refused since the settlement contained language that precluded folks who obtained another mortgage from participating. I allege that forcing me under threat of foreclosure to accept the extremely costly ARM constituted fraud since Wells Fargo knew that the modification agreement precluded receipt, of the XXXX after another modification was consummated. I am presently in foreclosure. I have filed an appeal, but a sheriff 's sale is imminent.

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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. XXXXXXXX XXXX is reporting an address that I have never lived at which is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. XXXX XXXX was removed from 2 of the credit bureaus, but it remains on XXXX. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.

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 10/21/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I financed a car thru Wells Fargo Dealer Services ( WFDS ) on XXXX XXXX, 2015. I got full coverage insurance on the car BEFORE LEAVING THE DEALERSHIP ON THE DAY OF THE LOAN. I provided proof of coverage THAT DAY WHILE STILL AT THE DEALERSHIP. I was STILL sent a letter from WFDS requesting proof of insurance. I submitted this proof FOR THE XXXX TIME ( via the XXXX website ) on XXXX XXXX, 2015. I have proof of the date and time of the submission. On XXXX XXXX, 2015, I received ANOTHER letter from WFDS requesting proof of insurance and including a NOTICE OF COLLATERAL PROTECTION INSURANCE. Today, I provided this proof of insurance coverage FOR THE THIRD TIME to WFDS and I expect THIS ONE will be ignored, too. Also, my contract with WFDS clearly states my Original Loan Amount as XXXX with monthly minimum payments of XXXX. Every payment I have made is exactly XXXX, which is more than the minimum amount due. On my XXXX XXXX, 2015 statement, the Loan Balance was showing XXXX with a minimum payment due of XXXX. I paid my usual XXXX and notified WFDS of the error. I never heard back from them, but the adjustment was made in my Loan Balance online within a few days - but they never corrected the Current Payment Due amount AND ADDED THE " PAST DUE AMOUNT '' TO THE FOLLOWING STATEMENT! On my XXXX XXXX, 2015 statement IT HAPPENED AGAIN! The Loan Balance is XXXX, the Current Payment Due is XXXX, reflecting a Past Due Amount of XXXX and a XXXX LATE CHARGE! On my XXXX XXXX, 2015 statement, my Loan Balance is now XXXX, the Current Payment Due is XXXX, reflecting a Past Due Amount of XXXX and a XXXX LATE CHARGE! I have provided proof of insurance coverage AND SOMEHOW THEY HAVE NOT RECEIVED IT XXXX TIMES!!! And they are charging me MORE THAN MY CONTRACT STATES FOR PAYMENTS, and adding the extra amounts to each new statement when I DO NOT OWE THESE AMOUNTS! I have paid MORE THAN THE MINIMUM AMOUNT REQUIRED BY MY CONTRACT and I have no idea where these extra amounts are coming from but I have proof of everything I have submitted to them! My insurance agent is sending a fax to the company proving when I got insurance on the car, but I expect that THEY WILL CLAIM TO NOT HAVE THAT EITHER. I have already submitted this exact same complaint to the XXXX. After submitting this complaint, I also plan to file this exact same complaint with the Attorney General 's Office, the Department of Consumer Affairs, and I plan to contact an attorney to discuss a lawsuit for breech of contract where I will also seek punitive damages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Short sell of XXXX XXXX XXXX XXXX was approved by Ocwen and home listed as instructed on XXXX. Ocwen even argued the point they preapproved me after sending approval to my old adress. I followed all instructions after multiple requests for more and more paperwork to comply with their short sell policy. 

Then, they put the brakes on things AGAIN to try to get bids from unqualified buyers using XXXX ( no call or notice to my agent ) rather a straight denial letter and ignore a cash offer!!!!!!. They want to list the home XXXX AND NEVER mentioned this as a requirement, EVER!!! My agent presented a cash offer with validated funds, CASH!!! The buyer is ready to walk away from this deal due to these delays. If my home is foreclosed due to this delay, I request monetary damages for letting all my MONTHS of efforts go to waste and my credit destroying willfully. There is simply no excuse for the sixth delay, more surprises, and a clear attempt to make this situation as difficult as possible so they can foreclose instead.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/XXXX, I applied for a Checking Account at the XXXX XXXX XXXX ( XXXX XXXX, Officer ), with a {$100.00} Deposit. Chase currently had a promotion that if a customer opens a New Chase Checking Account with a Direct Deposit, I would receive {$150.00}. After completing my application ; and after XXXX XXXX ran several inquiries, I received my Checking Account. 

On XXXX/XXXX/XXXX, I received a Letter from Chase stating they could no longer support my banking account, and will closed my Account on XXXX/XXXX/XXXX. I immediately contacted Chase to find out the reason, an XXXX ( Loss Prevention ) stated she would not reveal the reason. 

Therefore, I believe I was denied a Checking Account based on my race.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Credit card debt) with CL HOLDINGS LLC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am filing a complaint about Jefferson Capital System They have not provided me with documentations show and proving they are in Fact the owner of a account they have listed on my credit report and with negative or derogatory status. Jefferson Capital System is illegally attempting to extort money from me by causing financial harm to my name and legal person. Extortion is a federal crime. Jefferson Capital Systems needs to provide the proper paperwork, not a copy of a old bill and statement. I need to see some type of contract agreement between their company and myself with legal and binding signature of  contract to include XXXX XXXX. I am aware Jefferson Capital Systems is a Third Party collections firm. I do not wish to do business with them at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: Your school falsely certified your elgibility to recieve the loan based on your ability to benifit from its training, and you did not meet the ability to benefit student eligibility requirements

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with URS Holding, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This past summer I recieved a call from United recovery systems in their attempt to collect a debt for XXXX who had been sending said notice to address i hadnt lived at in almost 3 years and calling an out of service number which is why i hadnt paid it I did n't know about it. I spoke to a young man and we discussed the situation and i agreed that the account they were attempting to collect was in fact mine and requested to have communication about the aforementioned to my current address, but it never came. Then the calls started coming in. Some lady named XXXX XXXX would call me daily more than once and leave voicemails, so many so that I had to block her number from calling me while I waited for the paper communication for the debt which never came. I recently got a new phone and got into contact with XXXX XXXX aND she told me it was n't my right to have a paper communication of my debt sent to me and that all it would tell me is exactly the information what she was telling me on the phone, I told her okay aND that I 'd call her back when I had the funds to begin payments on what I owed, so since i got the new phone XXXX XXXX number was no longer on my auto reject list. She called me once this morning and I work on XXXX and told her I was unableto talk and that I would call her back when I got a chance and to please not call me again, well XXXX hours later she called me again even though I asked her not to. I have since contacted XXXX and paid half of the debt I owe directly through them

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are many errors and misinformation on all three credit reporting agencies. Inquiries I have not authorized about  XXXX  or more. Aka : that is not my name. I 'm locked out of all three credit reporting agencies, only able to access bits and pieces through different sources. My score drops at a ridiculous rate because my report is wrong. Went from  XXXX  last time I could actually see full report to  XXXX   (  just able to get  XXXX  single score ) its like a confusing maze that makes it impossible to correct with the  XXXX  agencies. Its financially harming me. Bottom line is that something/s are happening to my credit and its not me. I need to access full reports from all three credit reporting agencies ; review ; notify them of wrong info ; and then monitor it to have them remove all wrong info, unauthorized inquiries, aka : that are not me, and derogatory items that are  XXXX  and duplicate accounts are corrected.     The process I just described is wrong- when I ca n't see report ( I 'm prevented but others are not apparently ; I need to address serious things that make little sense ( I 'm being told this thru letter of denials, some I do n't even know how they got my name .... ) ; I need to fix and fallow till all mistakes that have been removed ( many, many not by me ) then the credit reporting agencies can give accurate description of my credo worthiness to the creditors I actually contacted and authorized. I feel as if what is happening to me is horribly wrong and no agencies are taking no accountability for harming my financial future. Please help me. ADA

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 08/16/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed account XXXX with Equifax several times. I have not had any success with getting this account removed from my credit file. This is not my account. I do n't know where this account come from. I was a victim of identity theft more than a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I originally requested PMI cancellation from Seneca Mortgage in XXXX after our county appraised our property at XXXX times our purchase amount. Seneca responded that they needed more time and to not file a written request yet, as they had made a mistake in acquiring the loan and only had record of XXXX of our XXXX acres. I made numerous phone calls over the next couple of months, spending 5-10 hours on the phone checking on the status of Seneca 's progress in servicing all XXXX of our acres. Finally in XXXX, they assured me they had resolved the issue. My written request for PMI cancellation was processed in XXXX. However, Seneca denied my PMI request for cancellation after an appraiser completed his appraisal of XXXX of our XXXX acres - appraising less than 33 % of the value of our property. 
After fighting with Seneca for 4-5 hours on the phone over the course of 2 weeks, they agreed to conduct an appraisal of our property that did not violate the Home Owners Protection Act. 
Seneca failed to complete this appraisal. In XXXX, over 5 months after requesting PMI cancellation, Seneca transferred my loan to XXXX. XXXX is currently claiming that Seneca refunded my appraisal fee at the request of Seneca, effectively cancelling my request for PMI removal.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Thank you for reading this complaint. I hope it will suffice to get the judgement removed off my Equifax credit report ( only on this bureau now ). I have been contacting this apartment complex ( XXXX ) off and on since 2011. Trying to get them to remove this judgement, which should not be on my report, and each time a XXXX manager admits they have no records of me living there and can not verify anything, let alone a judgement on me, and to contact the bureaus. I have done that and XXXX and XXXX XXXX have removed this item off my report a long time ago. Equifax has done nothing. 
I am now in the process of buying a new home for my family and this has become Priority 1 in my life. You can not obtain a mortgage with a judgement on your report. 

Please see the attached document and it stands as proof that XXXX XXXX does not have anything on record about me or a judgement. XXXX XXXX, the assistant manager, wrote the attached letter and I made a copy of her business card on the letter. PLEASE contact the apartment if you would like to verify any word of this letter. Since I have proof this can not be verified in any way. I am requesting Equifax delete this from my credit report. The FCRA, according to my understandings, has to delete either accounts that are not yours or unverifiable information. My attachment meets those standards and guidelines. Thank you for your help as this is SOOOOO Important to me and standing in my way of a new home.

Company response to consumer: Closed with explanation