milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I purchased my car in XX/XX/XXXX. The loan is through Ally. I have had nothing but problems with this loan from the beginning. My payments were not being applied to the account in a timely manner. I resorted to mailing most payments by priority or certified mail. ( When I could do so. ) Again, a payment has not been posted to my account. This payment was mailed on XX/XX/XXXX. I have requested a " pay-off '' amount. Just to get this loan away from Ally. I have not received that as of today. Phone calls from this company originate from off-shore and I do not supply or confirm any personal self identifying information over the phone. ( Especially to someone located outside of the US, that is unable to speak and understand English in a clear or concise manner. ) There is approximately XXXX attached to this loan in late fee 's, which I believe is intentional on the part of Ally. I also believe that some of the actions by Ally, are due to my age and gender. ( Age and gender discrimination. ) I have never had as many problems with a company as I have had with Ally. I want Ally to furnish the requested pay-off amount, so that this account can be closed with this company as soon as possible. I am also requesting that a itemized statement concerning the late fees charged to this account, so that they can be compared with the postal receipts. Ally, needs to be investigated for the way they treat their older female customers.

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 10/25/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I called Fedloan Servicing to inquire about another income-driven loan that would lower my interest repayment from 15 % to 10 %. The service rep helped me determine which box to check on my update application. In my inquiry I asked how my account would change and the only thing conveyed to me was my payment would decrease. After a few weeks I notice my credit score dropped. I XXXX the balance of my loans had increased significantly. I called Fedloan Servicing to find out why. They said it was due to switching plans. I became upset because I was never made aware my loan would increase by changing to a new plan.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MD).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I contacted  Wells Fargo Bank  on the   XXXX   XXXX   XXXX   XXXX    , and asked that my Secured Card account be closed, and that the collateral money  ( {$500.00} ) be t ransferred to my checking account within the same banking system. I called them back on the   XXXX   XXXX   XXXX  , and was assured that the monies were cleared to be placed into my checking account. I checked my checking account on the   XXXX   XXXX   XXXX  , and noticed there were no changes. I called the banks headquarters in   XXXX   XXXX  , and was told that they were going to handle my financial affairs for 60 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 07-09-2017 about Debt collection (Medical debt) with Bull City Financial Solutions, Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Bull City Financial Solutions has posted three collection items with the three leading credit agencies XXXX, XXXX, and XXXX. I have tried to get these items removed from my account several times because they are inaccurate. I have never had any business dealings with this organization. There has not been any signed contracts, verbal contracts, or any services provided to me through this organization. They have the Provider of service listed as XXXX XXXX. I have spoken with this XXXX XXXX and according to them, I had XXXX during the time of service. Under the HIPPA law I am allowed to protect my privacy and medical records. I have filed a dispute with all three bureaus requesting validation of this debt. Bull CIty Financial should not have any access to my medical records because I never signed authorization for them to obtain this confidential information. Therefore, I am requesting this organization to remove any and all listing from my credit report because I have no contract with them and the account has been settled with the provider of service XXXX XXXX. See items below : # 1 BULLCITY FINANCIAL SOL {$180.00} XXXX XXXX, XXXX XXXX, 2017 # 2 BULLCITY FINANCIAL SOL {$260.00} XXXX XXXX XXXX XXXX, 2017 # 3 BULLCITY FINANCIAL SOL {$170.00} XXXX XXXX XXXX, 2017

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Frederick J. Hanna XXXX have supposedly filed a lawsuit without notiyfing me or having court summons sent to me. I am getting letters from other legal representatives stating I am being sued or wages might might be garnished by Frederick J. Hanna XXXX XXXX XXXX XXXX. In an attempt to pay my account with XXXX XXXX XXXX, I have been working with a company XXXX. They are supposed to settle your debts through negotiations with your creditors. Although a third party, XXXX XXXX. XXXX, were willing to work with us. 

Somehow now Frederick J. Hanna, another third party has got involved and now is allegedly is in the process or has filed a lawsuit against me in court. I am getting letters from various Lawyers stating this fact. This agency is known for not informing consumers of their lawsuits, and does not have a good reputation. 

Since I have not been served any summons yet, I would like to go ahead and offer to pay this account in full by installation payments of {$300.00} - {$350.00} per month. If you XXXX Frederick J. Hanna, this agency has been sued by the Federal Government, ( Consumer Financial Protection Bureau ) and have numerous consumer complaints according to the XXXX etc. I can be reached at XXXX. Thanks so much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Debt collection (I do not know) with Alorica Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX SHOWED UP ON MY XXXX CREDIT REPORT. THIS COMPANY IS ILLEGAL AND CAN NOT LOCATE IT ANYWHERE. ( SEE MY CREDIT REPORT DATED XXXX ) THEY RAN MY CREDIT ON XXXX/XXXX/2015 AND AGAIN ON XXXX/XXXX/2015 AND CALLED AND STATED THEY ARE TAKING OVER WEST ASSET AND GAVE A PHONY NO. XXXX, WHICH I CALLED AND IT WAS XXXX? THIS IS A FRAUDULENT INQUIRIES AND WANT RESTITUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: For the past 4 years, I have had problems getting through the Equifax security questions. I CORRECTLY answer the questions - all answers are None-of-the-Above - and I am rejected and directed to apply by mail. The last time I did this, they LOST my report, either on their end or the US mail, and had to resend it so I will never resort to this method again. I never have this problem with either XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Mortgage (VA mortgage) with SERVICE 1ST MORTGAGE, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: Service 1st mortgage claims to help veterans but what they actually are doing is ripping them off with outrageous fees. They also solicit borrowers within 3 months of closing on a refinance to try and refinance again. ( Churning ) Also they have individuals who work on loan files with private information ( credit report, income documentation and social security number ) The files are not stored in locked file cabinets and they are scattered everywhere and not stored away. Also Loan officers do n't sign any of the applications or any other documents pertaining to their loan that they originated. Employees are not paid overtime when they exceed XXXX hrs and no benefits with employees. This company is a compliance office dream! They should be shut down

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 03/14/2016 about Debt collection (Credit card) with NORTHLAND GROUP INC (NH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Third party was called. I have never used that number associated with any credit. Has never attempted to be reached by telephone before any third party was called

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Received a letter from Enhanced Recovery Company LLC indicating I have a balance with XXXX for {$92.00}, but can settle it by paying them {$55.00}. That amount has never been my monthly expense, XXXX XXXX confirms my account is current and they 've never authorized this collection agency. Their account number on the collection notice in no way is similar to my XXXX account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CT).
Issue: Advertising and marketing

Complaint: American Express mailed me a promotional offer for a American Express Business Platinum Card, with XXXX American Express Reward points promised if I spent {$20000.00} within the first 3 months of opening an account and XXXX American Express Reward points if I spent {$10000.00} within the first 3 months. 

I have had an AmEx Platinum card before, and I specifically asked the representative on the phone, " Do I qualify for points even though I had a card in the past? '' She replied, " Yes, you do qualify for the points. '' I banked on her promise, accepted the card, paid the membership fee, and planned to use the points for a trip with my fiance later this year. 

Now, I am told because the XXXX explicitly say that those who have used this card before do NOT qualify for the points, I am no longer entitled to them. However, I DID EXPLICITLY INQUIRE ABOUT THIS ISSUE, AND I WAS PROMISED, BY THE REP, THAT I WOULD STILL RECEIVE THE POINTS BECAUSE I HAD NOT HAD A CARD FOR A LONG TIME. 

I want American Express to provide me with the XXXX points to which I am entitled : they send flyers to people promising them something, and if their marketing strategy is to deceive people who do NOT qualify for a promotion a promotion, they are acting in bad faith and should be punished for deceiving the public and causing harm to not only me, but those more vulnerable in society who ca n't assert their rights like I can. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Car Care One account closed on XXXX XXXX, XXXX for no apparent reason.

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 08/28/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have already begun a dispute of the validity of a series of debts being reported on my XXXX, XXXX and XXXX XXXX reports with CCS AKA Credit Collection Services AKA Credit Control Services but upon doing further research about the company in question I have come across a major violation of FDCP and Ohio debt collection law. CCS AKA Credit Collection Services AKA Credit Control Services as of XX/XX/2017 and present are not and have not been registered to do business in the state of Ohio and as such is in violation of attempting to collect a debt within the state of Ohio, my state of residence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A debt purchaser ( Portfolio Recovery ) acquired XXXX credit card accounts in collections. I paid them in full under the agreement that the collections accounts be removed from my credit report. They agreed. I paid in full. Not only have they refused to remove the collections accounts, the dates on the items reflect the purchase date, and not the original credit card account opening date ( this effectively adds two years to how long this will impact my credit score ), and on my XXXX report it shows as paid in settlement and not paid in full. 

I have contacted them several times and they admit to having recordings to this conversation, but claim, now, that it is against their policy to remove items from my credit report and they deny that there are any inaccuracies being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was contacted by National Credit Systems about a debt that was owed from an apartment I lived at close to a year ago. They stated there were damages that would need to be paid for. I agreed to pay for part of the damages, but they mentioned the microwave was broken, which would not have involved me since I never used to the microwave out of my time of over a year of living at the apartment. I filed a dispute with them and followed up later. They stated that the apartment has not responded and would have two weeks to respond to the dispute or they would drop the microwave case and I would just owe the rest of the debt. I called two weeks later and the woman handling my case stated that since I never submitted proof that I was not the cause of that particular damage I would still have to pay. When I brought up that I had been told previously that the debt would be dropped in two weeks if they did not hear from the apartment they said that was not the case and there is no time limit for the apartment complex to respond to a dispute. This makes no sense as then every dispute ever made could be won by not responding. When I asked her directly about what she had told me the week before she did not answer and transferred me to her supervisor. The supervisor would interrupt me mid question and not let me get a word in. I was not able to ask any of the questions I had for him regarding my case as he would just interrupt me. I also wanted to ask him if I would be able to get an extension on my time to prove that I did not break the microwave since I was not looking for any previous evidence because I was told that I did not need to as the case would be dropped if the apartment did not respond. The woman handling my cases ' name was either Heal or Heel and her supervisor was XXXX XXXX. Eventually XXXX became angry and hung up the phone on me. I recorded the most recent phone call if the evidence is required of me. It was disappointing to not get any answers to my questions and to be talked down to and responded to so aggressively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I recently tried to open a new checking account with a bank and was informed that I was not able to get a new checking account because XXXX was reporting me as owing Suntrust Bank which was very surprising to me. About 2 years ago I started having problems with Suntrust Bank and the manager at the time promised that she would resolve the issue. I made deposit into the bank and they had the account all out tof sorts, which the manager asked me to wait a few days to rectify the situation which at the time I agreed to. I used to receive direct deposit into that account from the state of MD which I later stopped and changed because of continued issues with Suntrust Bank. The problems persisted and never corrected. I went into the branch located on XXXX XXXX in XXXX, MD and requested that this account be closed. I was assured that the account was closed however it was not. <P/>After I was denied a checking account I contacted Suntrust that it appears that I did go into the bracnh to discuss those issues I was having and the it also appears that an error occured and the account never closed which a charge or charges happened and kept it opened and then they later subsequently kept it open without my knowledge and later sent it into overdraft and then they later charged it off. <P/>I did not understand how that could be possible when I requested that the account be closed and was assured that it had been. I was asked by Suntrust to go into that branch and request that the fees be reversed and the account closed properly and they would not. <P/>I also offered to pay anything that they claimed that was actually mine in other to rectify they issue and the bank insisted that I needed to pay the complete amount of {$490.00} which supposedly all fees. From maintenance fees to fees for being in overdraft fees for a prolonged period of time. <P/>I have also been contacted by a collection agency XXXX XXXX XXXX XXXX XXXX in connection with this account.

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 07/30/2017 about Student loan (Private student loan) with AES/PHEAA (MA).
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 tried to work with American Education Services ( AES ) who serviced my loans since XX/XX/XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting. I have two private student loans that are serviced with American Education Services ( AES ). Loan #  1 ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. AES reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX, I contacted XXXX credit reporting to dispute the loan and ask that it be removed from my credit report because the company, AES had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. AES also failed to provide me a XXXX, a tax from needed for cancelation of debt since they reported it was written off. I contacted AES, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender. Loan # 2 ending in XXXX with AES was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, XXXX XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Consumer Loan (Installment loan) with PNC Bank N.A. (IN).
Issue: Managing the loan or lease

Complaint: I took out a loan with PNC Bank in the amount of XXXX for cash in the amount of XXXX and repayment of a prior loan for XXXX The amount of cash was received but the amount to pay off the existing loan was lost by the bank. This occurred in XXXX but I did not realize the load was not cleared until XXXX. The branch at XXXX XXXX XXXX XXXX, XXXX Indiana agreed that the fund were misplaced but it would be corrected. Its been three weeks and no one will reply to my inquires even at their headquarters in XXXX. We do not know what steps to take. My name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In. Phone XXXX E Mail XXXXXXXXXXXX. The branch manager who handled the loan transaction told us that humans make mistake but why does it take so long to correct the problem. The XXXX gentlemen in XXXX that will not return my calls XXXX XXXX, Executive Branch XXXX XXXX XXXX and XXXX ( XXXX ). We would appreciate any assistance available.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Debt collection (I do not know) with FirstPoint Collection Resources (MA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On Friday XXXX XXXX XXXX at XXXX AM EST I received a call from XXXX. When I answered the phone call the caller stated my name and address and asked me to confirm them. With identity theft on the rise I was hesitant to provide this without first knowing the identity of the caller. I asked the caller who he was and who he worked for and told him that I would not be able to confirm any information about myself until he told me what company he worked for. He told me that he could not tell me who he was or what company he worked for until I confirmed my identity. I told him that without knowing who he was I could not confirm anything. He then started yelling saying that " He tried, '' and he then hung up. I later googled the phone number and learned it was owned by a collections company, " XXXX XXXX, '' who broke the law illegally trying to collect an unknown debt from me by not identifying themselves to me when I asked what company they were from.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Bank account or service (Other bank product/service) with First Data Corporation (VA).
Issue: Account opening, closing, or management

Complaint: A company known as First Data is phoning a friend of mine regarding my account with their company that is overdue after my XXXX went out of business XX/XX/XXXX. My friend, XXXX XXXX ( of XXXX XXXX, Florida ) has nothing to do with my account with First Data ; she is not a signatory on any paperwork or agreements with this company ; and is no way responsible for any business or financial doings with First Data.

Company response to consumer: Closed with explanation