milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Taking out the loan or lease

Complaint: Good afternoon I had a car loan with Ally Financial for a XXXX XXXX with XXXX XXXX. 
I refinanced this loan and now I have the loan with XXXX XXXX XXXX. 
The current lender sent an overage when paying the loan of {$110.00} I got the check from Ally after many requests ( check number XXXX ) and I deposited into a savings account of the new lien holder and they returned the check ( I deposited through the mobile app ) after the check was returned, I called XXXX to see what happened and they told me to try depositing it again and I did into my XXXX checking account and it was returned as well. It 's very disturbing that a multibillion company is giving bad check to the costumers. I never made a late payment and I complied with the contract to the letter I also called them and they told me to expect an answer in 6 business 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 07/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Snow and Sauerteig LLP (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My ex wife took my son to XXXX XXXX XXXX for treatment I did not agree with nor gave consent to. She used my Health card information and I was wrongly charged. Multible letters were sent to Snow and saur, last letter sent XXXX XXXX 2014. I am not responsible for this bill. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: As a result of the Department of Justice Settlement with Bank of America, The bank has issued lien releases/loan forgiveness in XX/XX/2015 on XXXX out of XXXX of our properties included in chapter XXXX bankruptcy. All XXXX properties had line of credit loans with Bank of America. We 've requested that they also release lien/forgive the loan on our property of XXXX, New York as it is a XXXX property and was also included in the bankruptcy. As of today, the bank does not respond to our request. I 'm attaching all pertinent documents on this case.

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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: After reviewing a copy of my credit report i saw that there several items that were reporting incorrectly, were not mine, were missing information, or had incorrect amounts. On XX/XX/XXXX I sent the credit bureaus letters. <P/>I waited almost SIX WEEKS, and received ZERO response. <P/>I again sent another letter on XX/XX/XXXX and now another SIX WEEKS have gone by and I have ZERO response. <P/>I have no idea why they are not responding. i have done everything the websites say that i am supposed to do. I have been very detailed in what i think is wrong with the items that are on there, and i am quite frankly FURIOUS that NO ONE IS HELPING ME. <P/>Thinking that maybe there was something wrong with my ID bc it had an old address ( NOT bc i was told anything by the bureaus, bc no one responded ) - i spent time, and money ( that i DO NOT HAVE ) and got a new copy of my drivers license. <P/>I am incredibly frustrated by the lack of response from the credit bureaus. <P/>Nothing i am doing is getting a response or correction of items on my credit report. <P/>The FCRA states that they are supposed to do a reasonable investigation of the issues i am presenting and i am being ignored. NOTHING IS BEING VERIFIED. THERE ARE THINGS ON MY REPORT THAT ARE WRONG and NO ONE IS DOING ANYTHING ABOUT IT. <P/>I am SICK & TIRED of again, spending TIME & MONEY that i do not have making sure that someone is doing their job. I have to do mine, and i make no money. Someone is getting paid to ignore my letters and its a bunch of XXXX. This is n't fair, this is n't right and i am completely disgusted by this.

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 12/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Other transaction problem

Complaint: Issue started on XX/XX/XXXX. 

Coinbase app. 

I was studying fees on the app. 
I put in an amount more then was in my checking account. ( normally, with any other payment method i had used up untill this point, it would just reject a charge like this. ) Apparently with a checking account it goes through no matter what and will even draw the account into the negative. The amount was 1,000 's of dollar 's more than i could affort ( again, i was studying how the fees worked, if it was an exact percent, or how it scaled to the amount, and payment method. ) This is what i was trying to do/understand. 

So i had no other choice but to contact my bank and put a stop on that one charge. 

I still have funds and other payment methods i would like to use to invest in crypto currency. But being locked out of coinbase, also locked me out of XXXX. And it seems every other USA based bitcoin  purchasing avenue. 

I can understand how this is a problem for coinbase. But there was no explination ( that i saw or have seen ) that a charge to the checking account was capable of over drawing my account. Every other payment method simply doesnt go through if the amount exceeded funds/limits..

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (FL).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX 2015 I noticed a charge using my debit card for {$380.00} dollars. I contacted my bank TD Bank and disputed the charge. The charge came from XXXX XXXX who I called prior to filing complaint and they advised me that they did not show me being charged this. I filed a complaint with TD Bank on XXXX XXXX 2015 and they reissued me another debit card. I explained to them at the time that I never authorized Direct TV to make any charges to my card outside of monthly bill that I would call in to pay for service. Any how TD bank sided with XXXX XXXX and that was that for them. After calling around I found out why I received the Charge of {$380.00}. Prior to having Direct TV I had XXXX who had poor service in my area and with me traveling all the time I returned all their equipment and discontinued their service. This happen on XXXX/XXXX/2015 and I did not start up service with XXXX on XXXX/XXXX/2015. The XX/XX/XXXX XXXX merged with XXXX and They used my debit card to cover this charge from XXXX again who I never authorized to use my debit card. This is like someone hacking your account and taking whatever money they want and the bank saying OK. First this is a XXXX bank who should be bending over back wards for Americans if they want to operate in this country. Second and for the third time I never authorized this charge and even if I did owe XXXX money this is an improper and illegal way of collecting it. I feel the bank needs to be fined along with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Medical debt) with Credit Systems International, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent several dispute letters as this is not my debt. I have always had insurance to provide to the hospital but this bill is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. My school location was XXXX College, XXXX XXXX. I still receive letters from them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Explanation of complaint : I tried to modify this loan XX/XX/XXXX through the National Mortgage Settlement XX/XX/XXXX. It was a XXXX mortgage. I was newly divorced and just coming off XXXX treatments and really needed the modification to keep paying on the loan. After much due diligence they told me I did n't qualify. They said I didnt make enough money. I tried again after calling the National Mortgage XXXX people and they said I should qualify. But was told once again by Citimortgage that I did NOT qualify. So at this time I could no longer keep up with the payments and just stopped paying temporarily .... just for a breather. ANd really was struggling financially. At this time I was upside down with the XXXX. and the XXXX. 
Sometime XX/XX/XXXX I called the automated service and it said the account was PAID IN FULL on XXXX XXXX XXXX. I thought maybe the loan had been forgiven since I had NOT heard anything from them and had NOT recieved any mail from them. Also I knew that they were at this time forgiving loans so thought maybe I was one of them. Later in the year I called and spoke to someone who said it is possible the loan was forgiven and I should keep my eyes open for a forgiveness letter. I know they record these conversations so they would have this on their transcripts Im sure. I then started getting emails saying they had tried to send me something thru the US Postal service but was being returned to them. I called about this and the girl I spoke with said the account was closed so this was probably just an automatic email and just disregard it. Again ... ... this would be recorded. So it is now XX/XX/XXXX and was hoping to get a Harp refinance on my XXXX. and find out the Citibank has a lein on my home. It has been three years and I have not heard a word from them and I have been accruing penalties and interest this whole time. 
My fear is that they will forclose on my home. My business has suffered from the economy and I cant work as hard as I once did due to not having the stamina from having XXXX. I would like to know why their system says the loan was PAID IN FULL and why I didnt hear from anybody for over 3 years. It just doesnt seem fair. Because I thought this loan was forgivin and I never heard from anyone for over 3 yrs. I dont think its fair that I should now be in a collection dept. and afraid the may foreclose on my house. 
I dont want to lose my house. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Thursday, XXXX XXXX, XXXX I purchased a ring for my daughter ( who is an authorized signer ) on Saturday, XXXX XXXX at the Zales store at XXXX XXXX XXXX in XXXX, NC in the amount of {$1800.00}. The ring was never in my daughters possession as she had requested it be resized. Since XXXX XXXX fell over the XXXX XXXX weekend, the ring would take several more days than usual to be sent off and resized. 

On Sunday, XXXX XXXX, my daughter called the Zales store referenced above, and cancelled the purchase of the ring. She was told by an associate that the ring had not been sent off to be resized and they would return the ring to their inventory and credit the Zales Credit Card account immediately. My daughter was told there would be no need for additional action. 

On Sunday, XXXX XXXX, my daughter checked the balance of Zales Credit Card ( with my permission ) and noticed that the ring had NOT been returned and was showing a balance of {$1800.00} with a LATE FEE of {$25.00}. My daughter then called the Zales store the ring was purchased at and demanded to know why the account was showing the ring was not returned. She was then informed by an associate who claimed to be the manager, that in order to return the ring, my signature or my daughters as she used her Zales authorized signer card, would need to complete the return. 

Due to the ineptitude of the store associate my daughter spoke with on XXXX XXXX, my account was placed in a COLLECTION status and reported to the credit bureau. I am beyond furious at this turn of events. Store associates need to be properly trained on how to deal with returns. Because of turn of events, my credit has been negatively impacted due to a store associate not understanding the return process. If we were informed the return would require a signature, there would be no question it would have been taken care of BEFORE the first due date of the payment on XXXX/XXXX/XXXX. 

The issue with the credit bureau should be corrected ASAP. I do not want to pursue this matter further by filing a complaint with the CFPB or other consumer protection bureaus, but I am beyond furious this has happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I closed an account with Citibank with a XXXX balance. They did not close the account, even though I have a receipt saying it is closed, then charged me fees to keep the account open. Since the account had a XXXX balance it was overdrafted and they charged me an overdraft fee on top of that. I overdrafted an account I closed because of a fee they charged to keep my account open. Then they preceded to call me twice a day to collect even after I told them to stop calling me to collect a debt they created.

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 08/25/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan servicing, payments, escrow account

Complaint: The company that purchased my mortgage ( NATIONSTAR ) refuses to appropriate my extra payments as I direct them to. When I make extra, principal-only payments, they always take out interest. I have to call them XXXX a month to beg for them to change it. It takes a lot of time and I feel they are harassing and intimidating me ; or trying to wear me down. My checks specifically say principal only on them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Today XX/XX/2018 I just received an e-mail alert from XXXX XXXX and XXXX XXXX stating that an credit inquiry has just been made on my report, these inquiries definately are unauthorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2017 about Student loan (Private student loan) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I made a simple request in mid  XXXX   XXXX  online -- using their link, a link specific to " change your payment date ''. I have made on time payments since  XXXX   XXXX  to American Education Service s ( AES ) , according to their website. These about {$160.00} payments were drawn on the  XXXX  of each month. I wanted to move the payments up in the month to better assess how much surplus my wife and I had each month to be able to make extra payments. I requested the  XXXX  of the month. I called a week later. They said nothing happens for 10 days. Then  XXXX   XXXX  I got a message that I failed to sign their form, which was not linked to the link described above. Ok, fine. Done, mailed it same day  XXXX   XXXX   XXXX . Sent an email last week  XXXX   XXXX   XXXX . Nothing. Pure delay tactic. To make it fair these servicing companies should be docked all the interest for their delay, otherwise what incentive do they have?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: Someone knocked on the door of my new address very late at night. One of my roommates opened the door and an unknown person asked for me. When I went to see who it was, they served me with a notice to appear at a pre-trial conference/mediation for an alleged case against me for debt from Citibank. This was the first time I was notified of this and right now, I am unemployed, so I can not make any payment arrangements with them. Furthermore, this debt is from Colorado but they are serving me in  XXXX   XXXX   XXXX , Florida. I want this to stop as I do n't have the mean financially or otherwise to deal with this right now.

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 05/24/2016 about Mortgage (VA mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX I was unable to make house payments. I did paperwork with Flagstar Bank to conduct a short sale. We had aprox XXXX-XXXX offers the bank never responded to any of them. Then I did the Deed In lieu paperwork XX/XX/XXXX. The bank has seem to have accepted the home but did not change the property out of my name. The bank has been paying the property tax on the home since XX/XX/XXXX. This bank has substandard customer service. I have to do forms multiple times. I am XXXX to XXXX in 3 weeks and I need this issue resolved asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job after XXXX years on the job I called Wells Fargo for a modification the lost mitigation department told me that for unemployment they do n't offer a modification they offer only unemployment assistance program which means they will take a lower payment from me but they will ruin my credit how is it how is it fair to us I have always made our mortgage payments. He said it 's more than likely because the unemployment benefit would not cover the payment how would he know that if you never even took an application on me. I know someone that was on XXXX that 's also a temporary situation and temporary income and they got modified so how did they pick and choose who they help

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 03/24/2015 about Credit card () with CITIBANK, N.A. ().
Issue: Closing/Cancelling account

Complaint: I am living in XXXX. My Citi bank credit card # XXXX has been blocked on XXXX XXXX 2015 without any proper notification. They have automatically cancelled my XXXX and charged some closer amount also for that. I called the customer care and raised a complaint and they told me this was happening due to the lack of XXXX document. They want me to provide the same and as per their communication XXXX of their representative will come and collect the same from myself. They have filed a complaint but did n't take any action yet. I called them for about more than XXXX times and none of them come to me to collect the XXXX document. I also went to their XXXX of the branch located in XXXX and produced the same. But still my card not got released and I did n't get any status update from them. I also payed for the money ( XXXX ) what I used for that particular month before the actual due date. I was using this card for more than XXXX months and I do n't know how can they allow me to use the card without proper XXXX document for more than XXXX months. I want to take necessary action on this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Scottrade continues to report fraudulent information to my tax file using information that is knowingly false and admittedly in dispute. Throughout complaint forums and other media, customers continue to have problems with Scottrade reporting false information to the IRS and refusing to correct it. I am suffering some the same failure and as a result have suffered significant damages. I kindly request Scottrade remove the information submitted to the IRS in accordance with my previously submitted letters.

Company response to consumer: Closed
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am writing because my student loan provider is NAVIENT. I currently have a debt of {$130000.00}. I 'm having issues because I am on a payment plan that I ended today XX/XX/XXXX due to them not keeping up on fixing issues that have been discussed. They are charging me late fees when my payments are automatically withdrawn from my checking account. I received my tax statement for XX/XX/XXXX and by there records with me paying {$580.00} a month I have only paid {$1500.00} in interest. They are also reporting on my credit report that I am missing payments and that they have been late but they are withdrawn every month on XXXX which was our agreement. Every person I have talked to about these issues through NAVIENT states they will resolve the issues but they are still occurring monthly. I 'm really attempting to work with them to repay these loans but the interest is at 10.2 % on some of them just building and building up. At this rate no matter how much I 'm paying monthly they just keep racking up fees that are not described in my statements. I 'm a XXXX and i do not make thousands of dollars a day like NAVIENT does. I need help I 'm drowning, and there are n't a lot of options for private student loan debt. I 've looked into other options they stated they would take {$90000.00} as a charge off but I unfortunately do not have that kind of money lying around.

Company response to consumer: Closed with explanation