milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (WV).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Bought this nightmare XXXX in XXXX XXXX. I 'm XXXX percent done on my payments. We are charged a XXXX daily interest rate on top of an annual and they argue that we arent. We got another car, got rid of the negative equity, ( XXXX ) and a dealer bought the car..well now it 's time to pay it off, dealer has a check for XXXX and some odd cents. Dealer calls ally, XXXX/XXXX/XXXX guess what they said we owe XXXX dollars more than what it says we owe. We did n't make the XXXX XXXX payment because we sold the car to this dealer. They say they have a XXXX day grace I 've never seen it. How can your account state you owe XXXX dollars and some odd cents and the dealer calls ally and they say it 's XXXX dollars more than my account is showing? How Is this legal? To top that off my husband calls talks to XXXX different people and they are from the XXXX, ca n't speak english, ca n't understand you and they tell you that you owe this much more but they ca n't tell you why and what 's it 's for!? We have dealt with nothing but a headache. If we ca n't get this resolved, we owe the dealer XXXX dollars to pay off this car! Not gon na happen because it says what we owe online and I 'm uploading a screenshot of my account and what it states. Please help us resolve 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 08-08-2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: As of today XXXX XXXX, 2016, We have not received our monthly mortgage statement from Ocwen Loan Servicing LLC . It 's been 45 days since our last statement. Ocwen Loan Servicing is trying to make us default on the loan Also since we the request for account to be de-escrowed, we have not received a refund check. I want the funds be sent directly to us and not applied to the 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 explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have filed 4 disputes with credit bureau and filed a complaint with cfpb and no one is correcting I talked to the owner XXXX XXXX and he sent me a letter I submitted and the bureau. I did not miss a payment the account has been paid off in full by me XXXX XXXX,2017 .IF THIS IS NOT CORRECTED IAM SUEING ALL PARTIES EQUIFAX XXXX AND XXXX XXXX XXXX correct this now on my report i have submitted proof it has been paid this is ridiculous and fraudelant to have paid and report that I missed XX/XX/XXXXpayment .IT WAS PAID XXXX 9,2017 check the records

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Creditors Specialty Service Inc (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Received notice of attempt to collect a debt ; performed due diligence and called the agency to dispute the debt ; the Debt Collector then communicated that there was a mistake it was a different Company who was seeking a collection. I explained that the company had been partially paid because due to incompetence on their part a larger debt was incurred and via email had been notified that unless the credit card payment was returned the matter would be considered closed and paid in full ; the collector then verbalized that, that could only be done via a check as payment, then threatened to have me served tomorrow at my address ; I then communicated that, that was illegal as I had not even received proper notice and the opportunity to dispute the debt based on my documentation, the debt collector then began to belligerently insist that there was going to be a suit filed tomorrow, that I was going to be served at my residence, he was going to file the suit before I had the 30 days to dispute the debt ; even thought this particular company had the wrong debt attached to my name. When I informed the debt collector that such actions could not be taken until proper notice was completed and the my right to dispute the debt process completed a law suit could not be filed. The collector kept taunting saying Oh are you upset now when I repeatedly communicated I was not upset that I had just been to XXXX again belligerently trying to have me become emotional he told me to go back to XXXX and practice that XXXX stuff ; XXXX XXXX communicated that his boss wanted to speak with me, I again verbalized I knew my rights and recompense under the law to the second debt collector who did not give me his name much of the same belligerent threats of filing a lawsuit ensued at which time I repeated that I had not even received proper notice he kept repeating he was going to serve me tomorrow if he wanted to and the debt would be over {$500.00} by then, I repeated I knew he was not within his rights to do so until proper notice, and my response process was complete he hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I took out a personal loan from One Main Financial and paid it off in full on XXXX XXXX, XXXX. 
Then just recently i look at my credit report and it shows as i just took out a new loan in XXXX XXXX. I was contacted by them asking for my personal information and i refused to give it to them because they had all my contact information when i originally applied. 
They informed me that they did n't have any of my information because they operate as XXXX XXXX  now. I was told that XXXX XXXX reversed the payment but i was never aware of this and no one ever called or sent me any information regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (SD).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Disappointing Service and My opinion not worth the {$95.00} per year. 
I found Chase XXXX rewards membership is misleading in couple of counts. 
I booked my hotel via Chase website. But they are not adding the hotel loyalty number despite the fact that they do not pass the information on to the hotel group. 
When I signed up I was looking for a good travel card where I can optimize my hotel loyalty membership. During my research I found that Chase has flexibility with Hotel reward membership, at least thats what they want people to believe. 

Now when I signed up I found that it is totally misleading. The hotels reservations you make through Chase ; you can not add your loyalty membership. Although they ask you to enter it while booking making you believe that your loyalty membership is considered. Possibly to make the customer feel that they will get their hotel membership privileges. Preveleges like late checkouts, free breakfast etc wont be available which Otherwise would have been available. 

When you call customer service they ask us to call the hotel directly to make them add your loyalty number. Again misleading customer to get off the phone and just try to 'escape ' the call.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Debt collection (Medical debt) with Collection Consultants of California (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This is an issue with both XXXX and a collection agency called Collection Consultants of California. I have an open collection item with the collection agency mentioned above, originally assigned XXXX. To date, I have not received any notification of this collection account. I last went through the process of pulling my credit reports from the 3 credit bureaus in late XXXX XXXX, which is where I first learned of the collection ( it appeared on all three of my reports ). I submitted disputes to all three credit bureaus disputing the validity of the debt- both XXXX and XXXX removed the collection from my records, while XXXX marked it as valid. At a loss of how to resolve the issue, I sent an email on XXXX/XXXX/XXXX to the only contact email I could find listed for the collection agency ( XXXXXXXXXXXX ' ) proposing to proposing to pay the collection just to get it removed from my credit report. I did not imply ownership. I received no response. In XXXX I again disputed the validity of the debt through XXXX and again had it marked as valid. I am submitting this complaint as I am at a loss as to how to resolve this issue and get this collection removed from my XXXX. Due to swift removal of the collection from my credit report by 2/3 credit reporting bureaus as a result of my initial dispute, the lack of communication about the collection by the collection agency, and the lack of response to my email to the collection agency in which I offered to pay the collection amount in full simply to make it go away, I have serious doubts regarding the legitimacy of the collection agency. I feel stuck in a untenable situation where I can neither pay to resolve the collection nor effectively dispute it. I am also confused as to how XXXX has access to data that shows the collection as valid, while the other two credit agencies determined it was invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I hav
e disputed the accounts that are reported by XXXX XXXX XXXX XXXX XXXX. This department constantly reports inaccurate information on my credit report. Due to XXXX XXXX XXXX XXXX XXXX XXXX failure to report accurately, my rights are being violated under the Fair Credit Reporting Act. This is directly affecting my credit report making it impossible to obtain credit.
The violations committed against me are : 1. XXXX XXXX XXXX XXXX XXXX supplies false reporting * I have made documented monthly payments for the last 5 years that have not been reported * The agency does n't reflect payments made and marks them as being 120 days late.
* XXXX XXXX XXXX XXXX XXXX marks major derogatory marks, even though payments are being made.
* XXXX XXXX XXXX XXXX XXXX has changed the the account open date from XX/XX/XXXX to XX/XX/XXXX.
2. XXXX XXXX XXXX XXXX XXXX does n't respond to disputed information request * I sent a certified mail account dispute letter that was received on XX/XX/XXXX and signed for by an employee. Today is XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX still has n't responded to my request. This is a duration of 167 days that far exceeds the 30 day requirement by law.
After I sent these dispute to both the XXXX XXXX XXXX XXXX XXXX, it seems the agency has retaliated against me by placing these negative marks and changing the account opening date on my credit reports. For the last 5 years I have been paying the required amount that was submitted to my employer. These payments have come directly from my payroll. I have disputed this information with Transunion, XXXX, and XXXX. All three have failed to follow up and pursue accurate information, even though I have sent paystubs for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX through the month of XX/XX/XXXX. I have included all the documents that have been sent to the credit bureaus and the XXXX XXXX XXXX XXXX XXXX XXXX.

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 04/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: all XXXX credit agency, s says there not able to at this time to give me a credit report I tried to get a credit card at XXXX XXXX bank and they denied because they said the credit score was low I contacted the credit agencies 3 days after I received the letter from the bank that I was denied the credit card

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 04-04-2017 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: I have had a student loan since XX/XX/XXXX. I have had all forebarnaces hat are possible and in XX/XX/XXXX went on a income based repayment plan that was supposed to help me. I called to ask about my student loan payments and come to find out my income based plan that was supposed to help me was more than my regular payment and for more months than it would originally be for. The payment they have me on is {$190.00} and is supposed to be for 39 more months then go to {$140.00} for 69 months for a total of 108 more months. The original level payment plan is {$150.00} and would pay off in 98 more months. That means will their helpful income based plan I would pay {$17000.00} but if i am on the regular level payment plan I would only pay {$14000.00} from today Navient has taken advantage of me and I would like to report it and join any class action lawsuit that is available.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Bank account or service (Other bank product/service) with Fidelity National Financial, Inc (WA).
Issue: Account opening, closing, or management

Complaint: I am a first time home buyer attempting to purchase a home in Washington State. XXXX XXXX has refused to release my earnest money in Escrow after seller relisted property while still under contract. Rather than follow the law and purchase of sale agreement and releasing my earnest money in a timely manner - XXXX XXXX reached out to XXXX XXXX XXXX 's Attorney. 

On XXXX XXXX, 2016, I entered a purchase and sale agreement as a buyer to purchase from XXXX and XXXX XXXX property located at XXXX XXXX XXXX in XXXX, Washington. As required by the purchase and sale agreement, I paid {$10000.00} in earnest money which has been held in trust by XXXX XXXX 's escrow department. Both the XXXX and I agreed that I would have a financing contingency in this transaction when they signed a Form XXXX Financing Addendum. My financing contingency period was preserved until XXXX XXXX when I gave notice of termination due to being unable to secure financing by closing the date. The seller refused to allow for an extended closing and by that time had relisted property on the XXXX of XXXX 2016. 

Under Section XXXX of the Financing Addendum, XXXX things were required under this contingency for refund of the earnest money : 1 ) written confirmation from the lender and 2 ) notice from the buyer. Both of those requirements were satisfied by XXXX XXXX Pursuant to the terms of Section XXXX, on XXXX XXXX and XXXX XXXX, I again sent out a written notice demanding return of the earnest money. On XXXX XXXX, XXXX bank my lender provided a written confirmation explaining why I was unable to obtain financing. 

According to RCW 64.04.220 ( 2 ), XXXX XXXX had 15 days from XXXX XXXX - the day it received my written notice - to 1 ) notify the parties of my demand, 2 ) release the money, or 3 ) commence an interpleader action. When my legal counsel called XXXX XXXX on XXXX XXXX, 2016, she said XXXX XXXX did not send out any notices to the parties in regard to my demand and that it was XXXX XXXX 's policy to simply wait in these situations for a rescission agreement to be signed. This policy is not consistent with the purchase and sale agreement or RCW 64.04.220. In fact, it is my opinion that XXXX XXXX is out of compliance with RCW 64.04.220 ( 2 ) and the terms of both the Form XXXX Financing Addendum and the purchase and sale agreement. 

I just want my {$10000.00} earnest money returned to me as I have sent significant time, energy, and resources traveling between coast to try and buy a home. I believe XXXX XXXX is not acting on good faith as a neutral party and they have wrongfully held onto my earnest money for 3 days shy of a month now. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on Equifax, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: An inaccurate Judgement is being reported on my Equifax credit report. The company made a mistake and requested that the entire trade line be removed from my credit report. It was requested on XXXX XXXX 2016. It is now XXXX XXXX and this judgement has not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TRANSUNION continues to report XXXX XXXX Account # XXXX as an adverse account. Data received from TRANSUNION does not support account being an adverse account. Spoke with company and had been informed that they ( XXXX XXXX ) did not assign account to the adverse accounts list. TRANSUNION continues to insert " Bankruptcy Dismissed ''. on XXXX XXXX account. Investigation and per the Fair Credit Reporting Act ( FCRA ) Chapter XXXX Dismissed Bankruptcy is to be removed with seven years of filing. Chapter XXXX Dismissed Bankruptcy is to be removed from my credit files in 2016. I submitted several request to remove Chapter XXXX Bankruptcy sooner than 2016. TRANSUNION had removed last year. TRANSUNION investigation report revealed that " A non discharged, OPEN or dismissed chapter XXXX bankruptcy ( Public Record ) remains on the credit file for 10 years from the filing date. This is inaccurate. Research revealed that a Chapter XXXX Bankruptcy is to remain on file for ten ( 10 ) years. Reports from the other major credit reporting agencies stated that Dismissed Chapter XXXX Bankruptcy is to remain on files fro seven ( 7 ) years. During the initial phase of Chapter XXXX Bankruptcy, I was to have provided financial information and devise a repayment plan. I was to have completed/file the Chapter XXXX Bankruptcy forms and a plan procedure with the courts. According to the Bankruptcy Law checklist I was to have met with trustees at the courthouse to review paperwork and plans for repayment. Prior to this scheduled meeting with trustees and preparing to attend a confirmation hearing, I met with my Bankruptcy Attorney and informed him that filing for Chapter XXXX Bankruptcy was not in my best interest. I voluntarily requested Chapter XXXX Bankruptcy be dismissed. The Bankruptcy Courts of West Virginia honored my request and dismissed this Chapter XXXX Bankruptcy prior to any conclusions. There were no lists of creditors, including XXXX XXXX, no amounts reported, or frequency of income provided. The Bankruptcy Courts labeled this file as void ( without any contents, empty ). Any and all comments related to Chapter XXXX Bankruptcy should be removed from this XXXX XXXX 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 explanation
Consumer complaint received 06-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$240.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Transunion Credit Report as OPEN and UNPAID ( please see attached Credit Report excerpt ).

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 08-02-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: I attempted to make a transaction I never received the product or services and was still charged, after becoming aware of this I immediately contacted BBVA Compass to dispute and was awarded a refund but was still charged several overdraft fees because of it. The bank stated that Federal bank regulations would not allow them to refund the overdraft fees because it was not a bank error. I 'm refusing to have to pay the bank fees for transactions that are not valid.

Company response to consumer: Closed with explanation