milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The document Ally Financial has uploaded is NOT VALID. I have mailed Ally Financial a copy of my correspondence that they should have received in 2016 along with recent identity theft report made with the FTC as well a copy of my LEASE amendment that was signed and dated in XXXX 2016 along with a summary billing statement that I received upon request from XXXX XXXX. My utility company at that TIME when I RESIDED IN NEW YORK STATE. I DID NOT EVEN LIVE IN THE STATE OF ALABAMA. The signature on said document does not even match the signature on my LEASE. HENCE, the reason its called IDENTITY THEFT. My RELATIVE had another Photo ID, birth certificate AND social with MY name on it. HER ACTUAL license has been suspended for YEARS hence the reason why she probably had to steal my entire identity just to get a vehicle and auto insurance and gas and cable. I will be consulting a lawyer on this matter should this information wrongfully remain on my credit report. By all means feel free to contact the apartment complex management office AND utility company to verify the documents presented. For all I know she has an employee at ally and at the dealership who worked with her to cook up this fabricated MESS

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 11/27/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is regarding fraud that occurred on XXXX/XXXX/2015, when a XXXX account was opened in my name. I have a police report, and documentation from XXXX that they are aware it is fraud. They also reported the same to Equifax on XXXX/XXXX/2015, and again on XXXX/XXXX/2015. I disputed it as fraud, on XXXX/XXXX/2015 and again on XXXX/XXXX/2015. Each time they came back stating this was a valid inquiry. I have a fraud alert on my report with all XXXX bureaus, yet they refuse to remove the inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Never had services with XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Trans Union allowed XXXX to pull a hard credit inquiry without my permission. This was done by the XXXX store on XXXX XXXX in XXXX, SC. The store employee who did this was XXXX. After my credit was pulled, she tried to get this reversed. I want this credit pull to be removed from my credit report immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Payday loan debt) with Check Security Associates, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: on  XXXX / XXXX / 2017 , threatening phone call to my cell phone and place of employment. Company represented themselves as a law firm and threatened to call my friends and family in an attempt to garnish my wages. Called my place of business after being told I withdraw my consent to be contacted at that number. Continued to call and threaten to contact my payroll department for a wage garnishment even after being told to stop. Refused to identify themselves or provide an address or to send written verification of the supposed debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home on XXXX XXXX of 2015. Prior to doing the refi my mortgage was with Roundpoint Mortgage, XXXX XXXX XXXX XXXX NC XXXX. Orginally I had financed the PMI into the loan with Roundpoint as per the UGI the PMI was refundable along with the escrow. On approximately XXXX XXXX, I received a refund for the escrow but not PMI. I then contacted the representative from XXXX who confirmed that the PMI was refundable. After being told this I contacted Roundpoint on XXXX XXXX and was instructed on how to proceed with getting the PMI refunded. On that date I emailed them the UGI and stated my concerns, I was informed that I would be contacted by a representative from the company, I also received an email stating that they had received my email and attachments. After approximately two weeks I contacted Roundpoint and was told that the email went missing in their servicing department and that someone would be contacting me. This never happened. On XXXX XXXX I once again contacted Roundpoint because a representative had not called or emailed me. I was told that I had to email them the UGI and explanation on why the PMI was to be refunded. As I did thisI was told that reprensative would be contacting me within XXXX hours. Upon doing this I received an email stating that that the company had received my request and I would be contacted. After XXXX hours, I was once again not contacted. On XXXX XXXX, I once again contacted Roundpoint and was informed that they were looking into the matter and once again I would be contacted by a representative within XXXX hours which did not happen. Because of this on XXXX XXXX, I once again contacted Roundpoint via phone and was informed that the PMI was to be refunded within 30 days. I was informed of this approximately 2 months after I had completed the refinance. Today on XXXX XXXX, I received a certified letter stating that the mortgage insurance was cancelled on XXXX XXXX. This approximately two months after they received paperwork from my new servicer and one month after I had orginally emailed Roundpoint. In this letter I was informed that I would be receiving a refund once they are able to locate the check. At this time I do not know when the check will be sent since this company seems totally incompetent. I feel that I have been as though I have been receiving the runaround from this company for the past three months and nothing can be done about it. I will be informing the representative from XXXX to not use this company again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After graduating from my for-profit school XXXX I found it hard to find a job. I called my loan provider XXXX now Navient, and they told me to get a forbearance. I ask them if there was any other ways to help with my loan and I was told no. They told me that I would not have to pay on my loan but interest would still grow. This went on until XXXX and I found out about income base repayment plans. I have been enrolled in that since XXXX. In XXXX I ask about low forgiveness since I work for the XXXX. They told me my loans did not qualify and I would need to re-conciliate my loans and that my prior year payments did not count towards the 10 year forgiveness. I wish they would of let me about income base repayment plan in XXXX and less interest would have grown.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Payday loan, title loan, or personal loan (Installment loan) with Risecredit, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I took only {$5000.00} short term loan and started paying regularly. I was not very sure that I would end up paying over 110 % interest rate over the years and I have been paying {$570.00} a month for past 22 months and as per their system I still owe them {$4000.00} Here are the details as per their table : Loan started on XX/XX/XXXX First 16 months {$570.00} paid every month : Total = {$9100.00} Interest and financed charged paid = {$7000.00} Only adjusted towards principle amount = {$1800.00} They never highlight interest rate but using I =Prt formula it is 105.96 % which is over ten fold of average standard bank loan rate for unsecured loan 6-9 %. 

Then I got into the debt trap. On XX/XX/XXXX they called me and promised me to lower my interest rate to single digit since I have been marinating a steady monthly payments for 16 months. They refinanced the loan and gave me only {$1300.00}. They have been directly taking {$510.00} since XX/XX/XXXX. 

Here is the details of the refinanced amount : Loan refinanced {$1300.00} 5 months {$510.00} paid every month : Total = {$3100.00} Interest and financed charged paid = {$2100.00} Only adjusted towards principle amount = {$480.00} They never highlight interest rate but using I =Prt formula it is 381.3449 % year which is over thirty fold of average standard bank loan rate for unsecured loan 6-9 % Does XXXX. XXXX of America know how ordinary gullible citizens are duped into this debt trap? THIS IS OUTRAGEOUS. EVERY LAW MAKER SHOULD BE INFORMED ABOUT THIS. I AM GOING TO SEND THIS ENTIRE STATEMENT TO EVERY CONGRESSMAN, SENATORS AND ALSO TO THE PRESIDENT AND VICE PRESIDENT OF THE UNITED STATES OF AMERICA. 

Their sales person was a sweet talker and lied to me on loan terms and interest rate. He said that if I made regular payments for 3 months they would bring down the interest rate to single digit. I never missed a payment for 22 months and to my dismay I found that they increased the rate substantially and despite numerous requests they did not change the interest rate and payment terms. 

As of XX/XX/XXXX, I paid total for {$12000.00} and interest alone {$9100.00} for an initial loan of {$5000.00}, which is 100.0339 % but got into this debt trap by their false and misleading sales tactics. I am a XXXX year old XXXX  patience and self employed. For me buying metformine for my XXXX is important in order to live. With this outrageous monthly payments I will not have any money left for my medication. Their debt trap will lead me to slow death as my medication is extremely important to me. The burden of never ending debt sugar level has increased significantly. Please help I am going to take it as my personal crusade to send details of my debt trap to every senator, congressman and the President and the Vice president of my country, This is what the reality check of America and how its citizen live everyday life.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Student loan (Non-federal student loan) with ACS Education Services (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Student loan repayment initiated approximately 20 years ago, went into default, payments began XXXX 2010 with beginning balance of {$11000.00}. Since then $ {$4400.00} has gone toward interest, {$2600.00} towards principal with an outstanding balance of {$9400.00} on an 8.25 % fixed loan with monthly payments in the amount of {$120.00}. Loan is through ACS Borrower. We have reached out to ACS with no success in understanding their calculations. School was XXXX XXXX XXXX, XXXX XXXX TX

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: As soon as the payment is a day late, they are repeated calling and leaving voice messages on my phone. When calling Conn 's and giving my phone number, they stated that my phone number is not associated with any account. They were informed to stop calling my phone and leaving repeated messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Meade & Associates, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Recently while conducting a monitor of my credit report I discovered thatMeade & Associates, XXXX furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is, to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/26/2015 about Mortgage (VA mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My husband (at the time) was away XXXX for a year, in XX/XX/XXXX-XX/XX/XXXX, decided to leave his family when he returned then filed bankruptcy in XX/XX/XXXX and the mortgage was my responsibility. I attempted for a year to get a loan modification with Greentree Mortgage, I was told to fax my information at least XXXX times, which I did,  they were behind in the servicing department. I called in XX/XX/XXXX to try to put the debt of my 1 year of mortgage payments onto the end of my loan and start paying each month in XX/XX/XXXX, to which I was told I would need to pay the balance of over $10K, obviously which I did not have. I spoke to a representative in VA Loans Department and was told she would get this resolved for me, i never heard from her again, I left several messages for about a month, faxed my information as requested, again. By the time XX/XX/XXXX came around, I was asked to fax my information again and instead I was able to get an apartment and move, I have XXXX kids that I had to move instead of being thrown out due to a foreclosure. The house remained vacant, I never received any letters about my house going into foreclosure, just statements saying balances that are owed and late payments, a letter from Greentrees attorney stating they will sue me for the remaining mortgage amount owed of over $180K. I attempted a Short Sale that fell through, nothing came of it since we needed so much work on the house and the amount we were selling for was way overpriced for the house. My house was ransacked XX/XX/XXXX, and all of our valuables, were stolen. We called the police and filed a report. After an investigation by our local police department, we found that Greentree sent in a Clean Up crew to winterize the house, change the locks, and cut the grass (which they only did half of the front yard) we had about $15K in valuables and personal property stolen. Filed a claim with our homeowners insurance and we need receipts for valuables that over 10 -20 years old, we do not have receipts! We got in touch with the clean up crew and they denied taking anything, yet all of our neighbors saw them emptying our home, and luckily took down their license plate number. Greentree denied sending them in, the clean up crew blamed Greentree. All of this going on and to date I still have not received a Foreclosure Notice. I was forced by this situation to file bankruptcy to resolve this mess. I  have proof of all of my attempts to file a loan mod available by date as I was faxing this information, names of the reps, phone numbers and departments they work in.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (NJ).
Issue: Fraud or scam

Complaint: TO WHOMSEVER IT MAY CONCERN : Dear Sir/ Madam, As we were in the process of buying house, there were five individuals that were involved in the process as shown below : ( 1 ) Attorney : XXXX XXXX , Email : XXXX, Phone : XXXX. 
( 2 ) Realtor Name : XXXX XXXX, Email :  XXXX Phone : XXXX. 
( 3 ) Title company e : XXXX XXXX XXXX XXXX XXXX XXXX. , XXXX XXXX XXXX XXXX NJ XXXX. 
Phone : XXXX, email : XXXX. 
( 4 ) Mortgage company : XXXX XXXX XXXX , XXXX., XXXX XXXX XXXX XXXX XXXX NJ XXXX, phone : XXXX Email : XXXX ( 5 ) Buyer : XXXX XXXX XXXX, Phone : XXXX. Email : XXXX ( old ), XXXX  ( New ). 

About one week before the closing I got an email from our attorney which included the wire Transfer instructions as an attachment. During my email conversation, I mentioned that I would prefer to come with certified check instead of wire transfer, but I was instructed to do a wire transfer in order to facilitate a smooth closing. Then I accepted to do the wire transfer on Friday XX/XX/XXXX, but due to my busy schedule at work that Friday, I was unable to do the wire transfer on that Friday. Later, I replied I will do wire transfer on XX/XX/XXXX, Saturday. 
During these conversations, I had found another email sent from XXXX XXXX, XXXX ( the title company ) which was sent to XXXX. That says We would advise to use the attached Chase Trust Account, since our XXXX XXXX XXXX will be going through Bank Audit this weekend to avoid any delay. According to the instructions provided in the attachment from XXXX XXXX email, I did a transfer of {$83000.00} to the chase account provided in the attachment of the original e-mail sent by XXXX XXXX email ID, ( XXXX  ), which was later discovered to be a fraud bank account. 

In Summary, I am a victim of FRAUD WIRE TRANSFER SCAM, in which I have lost {$83000.00} of hard earned money which we had collected in last several years. I would appreciate for you to help me regarding this matter. 

Thanking you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian called me, did not leave a message and will not tell me what they called about

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Went to SSA to retrieve Personal Information from said site! ... Had to answer Security Question, 4 of  them, and marked the NONE OF THE ABOVE, on all of them, and was locked out by the SSA website, because the Verification could not be verified ... So, I decided to goto the Annual Credit Report! ... XXXX, no issues ... Equifax, same information, get tapped with the same 4 questions on Equifax as the SSA website! ... Locked out from my Own FREE ANNUAL CREDIT REPORT! ... Then I checked the XXXX, and got 2 of 4 questions right ... I called Equifax and the dude I spoke with said that he could do nothing for me and that he would send out my Report, however, he did not address my issue as to why I called ... Any Information that does belong on there or belongs to someone else! ... I want to be able to see this information that is picked up by any third-party verification processor! ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Charges after XXXX are false charges. Closed account in XXXX as a charge off. Reopened by unkonown and charges made in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax recently released a press report declaring that they were hacked and sensitive information was compromised. It was determined by Equifax that my data may have been compromised, including my social security information. This is the most sensitive data I have and should have been handled with more care. Now, their negligence could cost me financially as well as require me to take additional security measures for a mistake made by another company. It 's inexcusable.

Company response to consumer: Closed with explanation