milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I financed my loan thru Ally Financial in XX/XX/XXXX. I refinanced with XXXX XXXX and Ally shows my loans paid in full as of XX/XX/XXXX. I received a letter in the mail from Ally GAP stating my gap policy was canceled and a refund sent for {$790.00}. It shows the payee as XXXX XXXX who was the dealership where I purchased the car. I contacted XXXX XXXX and they said that the refund was n't received by them, but that it would come from Ally Financial. Ally Financial has told me the same thing, but said they never received it from Ally GAP. They have no clear answer for me as to when I will get the refund. It 's already been 45 days and still the same answer which is that I would receive in 45 days. I do n't think it 's fair that Ally GAP says the money was sent on XX/XX/XXXX and I 've had to wait this long without receiving or really even knowing where it 's coming from.

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 05-09-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: Dear CFPB : My client  XXXX   XXXX  has been trying to modify his home for  XXXX  years. Accumulation during that time is in excess of {$100000.00} in payments during this ; Prior to   XXXX   numerous issues plagued his ability to get modify including judgments against his home and his inability to deposit his income for fear that the judgment creditors would seize his bank accounts. In an effort to resolve this matter. The client filed for bankruptcy, made a motion to relieve the home from judgment creditors both which were granted. In addition he has saved {$30000.00} to put towards any arrears and submitted the modification again . Wells Fargo  has refused to process this modification stating that there is no change in circumstance ; I believe discharge in bankruptcy, showing all income via bank deposits and a contribution of {$30000.00} is more than a change of circumstance.

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 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A new account appeared on my credit with all 3 reporting agencys. The original creditor is from XXXX XXXX. This was previously disputed and deleted from all my reports. It has since reappeared under XXXX XXXX ( XXXX XXXX ). This has now caused my score to drop and it should never been put on. This should be deleted as it previously once was.

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 10/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have three loans with navient. I am currently in a XXXX school program and my loans should be eligible for in-school deferment. I spoke to over 10 people on the phone at navient to try to handle this and was continuously given faulty information. First they told me they needed a letter from my school, which i provided, and was told this was not enough. I was then directed to a website to have my school fill out the form, which they did, and again I was told this was not the proper form. I had to repeatedly explain my situation to try to locate the proper form. This took a lot of time and energy. Finally after being redirected numerous times, someone emailed me the appropriate form. Which I then had my school fill out, and again I was told the information was not enough. At this point, I just gave in and paid well over the balances on each loan, only to find out that during this time they had reported me to the credit bureaus. This was something that was in process, and I was explicitly told that I had until a certain time before my credit would be affected. The reported me a month before the date they had given me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY MINE! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP PHONING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had a bank of america checking, savings and cash rewards credit card. I closed my checking account with them because they took a double payment towards my credit card without my consent and left me without enough funds when I had bills to pay. This was early XX/XX/XXXX. I had in XX/XX/XXXXmoved to Ohio where there are no branches locally for me to visit to get resolution for their systems error that caused the overpayment. It took over a month for them to fix this issue, so I opened a XXXX XXXX Checking account in the town I live in now, in Ohio. My credit card with them stayed open for a while but Fraud happened on the card and I didn't realize it because I hadn't been using the card and I had a zero balance the last I used it. When I discovered the fraud I disputed it and money was owed back to me because my account was overpaid. It was shown that I had a negative balance on the card and interested and late fees accrued were removed. I resolved this issue and during the time the account was defrauded Bank of America closed my credit card account. The fraud department assured me that they would reopen the account after the investigated was completed but it never happened. My account remained closed and I had called in to see why and get this issue resolved. 
First, I spoke to XXXX in Texas, in customer service, he transferred me to Fraud dept and XXXX Spoke with me and said I had to call back on Monday the XX/XX/XXXX because the people I needed to speak to get my account re-opened were not there on weekends. Existing Fraud Claims Dept will need to be contacted by their Fraud and Authorization, is what he told me. XXXX felt that they will reopen the account for me, especially due to the circumstances surrounding the closing of my account, that should not have been closed in the first place. I spoke to their manager XXXX XXXX and he said he submitted for my account to be reopened. He said he would call me back by last Thursday, XX/XX/XXXX, to let me know the status of the request. He called me back and told me that Bank of America wouldn't open my account again and he apologized to me and offered no additional help. I then asked to speak to one of his superiors and he was unable to put me in touch with one but said that one would call me back in the next 2 to 3 business days. That is unacceptable to me because I can not guarantee that I can be available at all times to answer a call as I work full time and he had his supervisor available then but their policy doesn't allow for one to speak to a client immediately. I have been mishandled and mistreated by bank of America and I am very frustrated.

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 01-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I 've had XXXX credit card accounts in good standing, I kept with my 2 year agreement with XXXX XXXX to not have good credit. But as everyone knows Monthly phone bill service fees changes with every bill. I been with them for 4 years and could n't afford the drastic bills so I paid the last month and current bill and alerted them sooner then late to deactivate service due to me not being able to afford it anymore an I was switching to a prepaid service through a cheaper company, They messed up my report with a fee that I could n't believe after I was in the hospital for 3 weeks after XXXX. I was receiving bills from them and debt collectors that never should n't been. My closes sibling died XX/XX/2014. My hours got lowered due to my job not having many resident 's living in the facility. I 've contacted both companies XXXX and XXXX about what was going on and that I was doing my best to keep both active. I pay rent, daycare fees, utilities, phone bill, car note/ car insurance. Being a single mother of XXXX children I fell behind on a lot of payments not just theirs. I 've called them then and currently calling to not be put into collections and for them to keep my accounts open/ current so that my credit score would n't be very poor and the people that I speak with be so rude to me. I recently had an friend refer me to an non profit organization that is keeping in contact with me and has all the information on my accounts to help with paying them to current and they still wo n't work with me at the credit company. I just got approved for section 8 housing to benefit me and my children so we can live a little better without struggling paycheck to paycheck and I cant even move because my credit score is to low for some land lords and I have an bad note on my accounts that they have put on there even after I 've tried to make plans with them. Please if you can help that will be a blessing for me and my family due to our current lease ending XX/XX/XXXX and I wo n't be able to afford to renew lease because it will be higher than it is 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 08/31/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Gmac Mortgage corporation has a lien recorded against the title to my home based on a home equity line of credit that was secured in XX/XX/XXXX. However the loan has been paid in full and satisfied as of XX/XX/XXXX. My county clerks office never received a " lien release letter '' from GMAC. As a result of the XX/XX/XXXX chapter XXXX XXXX bankruptcy filing, related assets of GMAC Mortgage , LLC were sold to Ocwen effective XXXX XXXX, XXXX. My account, # XXXX was acquired by Ocwen on that date. This was verified by Ocwen Account Analyst, consumer Ombudsman, XXXX XXXX XXXX # XXXX. As the successor of GMAC holdings, Ocwen should be able to confirm in their records that the GMAC mortgage # XXXX has been satisfied, and paid in full. Ocwen should also be able to confirm that they have no interest in maintaining a lien associated with GMAC Mortgage # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Credit card) with SACOR FINANCIAL, INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: SACOR FINANCIAL, INC has been debiting my account on a debt I owed and agreed to pay XXXX a month. The last letter I received was with a balance of XXXX XXXX/XXXX/14. I called today to find out why they are still debiting my account and they said I still owe XXXX. I asked why my statement stop showing my balance and they said I still owe more money. No where did it say I owe more money. I need help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Medical debt) with SCA Collections, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I called the company SCA collections and asked them to update the credit report and they have not yet. Please help me to get this resolved and removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with CITIBANK, N.A. (GA).
Issue: Confusing or misleading advertising or marketing

Complaint: I was informed to be pre-approved for XXXX XXXX, credit card and Citi Bank card. When I applied I was denied approval without explaination. Now I have two hardships on my credit. Not sure what credit card to apply for now to build credit.

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 02-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: We have been unsuccessful for the past 6 years to get a loan modification on our primary residence. We have been told that we are in a unique situation where our original loan from Wells Fargo Bank was funded by XXXX XXXX. When the housing market crashed, XXXX loans were bought out by XXXX, who then sold our loan to a group of investors that XXXX XXXX currently manages it for. At this time, our loan is serviced by Wells Fargo Bank for XXXX XXXX for this " unknown '' group of investors. Due to our excellent credit and lack of financial hardship, we were instructed by a home preservation specialist to apply for a FHA short refinance of which no one at both Wells Fargo and XXXX XXXX at one point acknowledged that this program ever existed. On XXXX XXXX, 2016 we reattempted to apply for the FHA Short Refinance and were informed by Wells Fargo Bank that since they are only the service provider, that they are unable to approve us for this program and we would need to seek approval from XXXX. We then contacted XXXX XXXX of which they were unable to pull up any our information because our loan is serviced by Wells Fargo Bank. The representative at XXXX XXXX attempted to assist us, but was unsuccessful. As you can see, this is a complete run around for all parties involved. We are simply seeking a loan to take us out of this adjustable loan and put us in a fixed rate loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX 2016 I had a call from PNC bank that someone has been using my card in XXXX. I blocked the card, requested a new XXXX, etc. Since then approximately once or twice a month I get charges from XXXX and XXXX which I do n't and never have an account with. On XXXX XXXX 2016 I called PNC customer service and the person I spoke to assured me she put a stop payment on XXXX. Shortly after that I was charged by XXXX again. Since the first occurence in XXXX 2016 I had to change my card numerous times, waiting a week to get a new XXXX every time. I had to change my direct debits and file about XXXX disputes!! 

I request a full inquiry into the matter with a written report on how these XXXX companies got my private information and continue to charge me every time I get a new card! I would also like to know what was done to stop this from happening. I would like to know on what grounds my dispute had been denied and I would like all the money I was ever charged by XXXX and XXXX back ( noone is going to give back the time I wasted dealing with all this mess! ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I PERSONALLY TRIED TO FIX THIS PROBLEM BEFORE I CONTACT YOU I CONTACT EQUIFAX ON REPEATEDLY OCASIONS BUT THEY IGNORE THE LAWS AND IGNORE MY RIGHTS AS A CONSUMER, THEREFORE I AM ASKING YOU TO INTERVENE FOR JUSTICE FOR ME AND ALL OTHERS IN THE SAME SITUATION AS US WITH THIS COMPANY EQUIFAX THIS ANSWER ON XXXX XXXX # XXXX IS LIKE ALL OF THE OTHER ANSWERS WE GET FROM THIS AGENCY EQUIFAX INSTEAD OF DEALING WITH THE ISSUES LIKE THEY SHOULD HAVE SINCE XX/XX/XXXX HAS THE COMSUMER LAWS MANDATE FOR A CREDIT REPORTING AGENCY, NO THEY KEEP REPORTING SOMETHING THEY SHOULD KNOW AND BE SUPPOSED TO KNOW. THE IS MORE THANT 7 YEARS OLD, THEIR IMMEDIATE RESPONSE IS TO DENY AND BLAME THE CHAPTER XXXX FEDERAL BANKRUPTCY COURT CASE # XXXX A CASE FROM XX/XX/XXXX THAT BY LAW ONLY LAST FOR SEVEN YEARS AND OTHER CREDIT BUREAUS ALREADY BEEN CLEARED BUT THIS BUREAU EQUIFAX IS PLAYING IGNORANT AND UNAWARE THAT IS HAS BEEN REPORTED FOR SEVEN YEARS LET 'S SEE WHAT THEY TELL AT THE END THIS TIME YOU WILL WITNESS MY ACTIONS AND THEIR ACTIONS, IN 20 DAYS FROM TODAY IF THEY DO N'T CLEAN MY CREDIT REPORT I WILL START A LAW SUIT AGAINST THEM FOR {$XXXX} DOLLARS THIS TIME YOU ARE TO BE MY WITNESSES I HOPE THIS TIME IS TRUE AND WE CAN LEAVE THIS CREDIT REPORTING NIGHTMARE BEHIND THAT IS COSTING ME AND MY WIFE A LOT OF MONEY AND SHAME. 
SEE ATACH PROOF CONFIRMATION DOCUMENTS FROM EQUIFAX # XXXX # XXXXCHAPTER XXXX FEDERAL BANKRUPTCY COURT CASE # XXXX A CASE FROM XX/XX/XXXX TO XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Closing on a mortgage

Complaint: On Thursday, XX/XX/XXXX I attempted to get a XXXX conventional mortgage with Quicken Loan ( Loan # XXXX ). I provided all of my financial information up front and they ran a hard credit check before even giving me any of the basic information I wanted ( just what were typical costs at {$100000.00} for a loan - and yes, I know it varies by region, but how it is calculated would have been helpful and should n't have needed a hard credit check ). 

After going through their process I was pre-approved for a XXXX loan at {$120000.00} on Thursday, XX/XX/XXXX. I was told that my mortgage would be {$940.00} at that amount, and that the total out of pocket would be {$7200.00} with closing. I asked about {$100000.00} due to a house I liked. That came back at {$780.00}, with {$6600.00} at closing. 

On Friday, XX/XX/XXXX the house I liked had a price drop to {$99000.00}. I asked for what the cost would be and provided the address of the house. I was told {$7500.00} without closing, with a monthly payment of {$880.00}. I asked why the discrepancy and they said it was their fault, they had forgotten to include a few charges. NOTE : They still had the SPECIFIC address I was interested in at this point in time. 

So this brings me to my complaint. After going through this process, I was able to close the deal on the house I liked at {$100000.00}. This is still on the pre-approved XXXX loan which they had originally pre-approved at {$120000.00}. So I call them today ( Wednesday, XX/XX/XXXX ) and get told that their is an income restriction on the house, and that the only way to know which houses have them or not is to use a special tool not used by Quicken Loan ... which I was never told about. 

They offer to give me a new loan product, but even if the seller who has already closed the deal without closing were to change their mind and give me closing, the total cost out of pocket for me would be {$7000.00} to {$8000.00}. Well above the budget I provided them, meaning the entire process was a waste of time and making it so that my wife and I lost the house we wanted. 

I spoke to them at length but they refused to do anything and due to their incompetence I was not provided with clear and straight forward information on costs to allow me to budget, wasted the time of the seller and cost them another interested party, and wasted the time of my real estate agent. At this moment in time I 'm not sure if I 'm on the hook for any charges beyond the damage to my credit score, but this process has left me humiliated and angry. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (Conventional home mortgage) with SN SERVICING CORPORATION (CA).
Issue: Struggling to pay mortgage

Complaint: Dear Consumer Financial Protection Bureau, Please help I am about to lose my home because SN Servicing CorporationXXXX XXXX phone # XXXX ext. XXXX - XXXX  who refuses to provide me with a payoff statement in order for me to sell my home, it is over 2 weeks since I requested for a copy and all they do is keep lying to me stating that they need to gather information. 
Now I have a foreclosure sale date set for XX/XX/2017. 

I was forced to place my home on the market to avoid foreclosure because SN Servicing CorporationXXXX XXXX claims that my original balance went from {$39000.00} to {$80000.00} within 6 months. 

Now I have no choice to sell my home because SN Servicing Corporation/XXXX XXXX keeps manipulating the balance that way the sell of my home does n't go thru. 


This seems to me that SN Servicing CorporationXXXX XXXX is delaying this on purpose to foreclose on my home. I have done everything that they requested and its not fair to me and my family to be treated this way. 

We have a foreclosure sale date coming up on XX/XX/2017 and SN Servicing CorporationXXXX XXXX looks like all they want to do is taking advantage of my situation. 

I requested for a manager and she tells me that she is out on vacation and wont be back until the end of the year. 

Please help!!!! 


XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 11/21/2015 about Debt collection (Credit card) with LOAN SERVICING GROUP (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My husband and I had a debt from a credit card and the debt was bought by XXXX XXXX XXXX, now known as XXXX. XX/XX/XXXX I paid in full the remainder of the debt. 

XX/XX/XXXX when I refinanced, my attorney informed me that XXXX XXXX still had a lien on my house. This was the first time I learned of this issue. The attorney handling the refinancing was able to contact XXXX XXXX and received a lettered response dated XXXX XXXX, XXXX that stated in part, " This loan has a XXXX balance with XXXX demand. '' Since XX/XX/XXXX I have had my family attorney try to resolve this matter. XXXX XXXX demanded a {$400.00} payment to remove the lien, which I refuse to pay. This should be free. 

XXXX XXXX has since failed to respond to my attorney 's phone calls and phone calls placed by my son.

Company response to consumer: Untimely response