milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (NJ).
Issue: Problems caused by my funds being low

Complaint: I have been a banking customer with Ally for several years. Recently I got an alert that there was XXXX overdraft fees charged to my account. I chatted in only to receive rude customer service with no solution. I was told in chat ( record available ) that I would not be charged any more fees due to the account being fixed. To my surprise a XXXX fee was now charged with no regard. Contacted Ally again ... .No help at all. I am not sure what has changed with Ally but refusing to opt out of overdraft clearly shows that Ally is trying to hide something.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2016 about Debt collection (Credit card) with URS Holding, LLC (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Back on XXXX XXXX, 2014, a company called United Recovery Systems called a phone number associated with my out of state employer in an attempt to contact me. When the phone was answered, the debt collector proceeded to disclose a debt I have with XXXX XXXX to the person who answered without confirming who they were speaking to. A cease and desist letter was sent to the company, XXXX XXXX and the Attorney General 's in both XXXX and XXXX, where I reside. Complaints went unanswered by the collection company and creditor, and to date, the AG 's are pending responses from both companies. There has been no further attempts at debt validation or written communication to date from the original creditor or 3rd parties acting on their behalf.

Company response to consumer: Closed
Consumer complaint received 02/16/2016 about Mortgage (VA mortgage) with Pacific Union Financial, LLC (NH).
Issue: Loan servicing, payments, escrow account

Complaint: I received my XXXX form from Pacific Union Financial that shows the taxes and interest paid for the year 2015. XXXX sold my mortgage to Pacific Union Financial in XXXX 2015. 
From XX/XX/XXXX to XXXX 2015 my taxes paid were {$6100.00} ; however, on the XXXX that Pacific Union sent me the XXXX showed {$2300.00} as the amount of annual taxes paid for the year. Pacific Union made a large error on my form XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have inquiries that dont belong to me

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 01-11-2018 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I purchased a car from XXXX XXXX XXXX. I had full coverage and gap insurance. The car was totaled out in a wreck that was not my fault. The insurance and the gap insurance paid it in full. 
Now XXXX XXXX XXXX is reporting on my credit that I owe XXXX. I do n't owe XXXX XXXX any money. Please help me if you can about this because this is not right

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Late fee

Complaint: I am concerned that Bank of America is not treating all of its customers equally. I chatted with a supervisor named XXXX on XXXX/XXXX/2016 employee id XXXX. I asked if I could get the late fee waived as a courtesy, I realized I accidentally made two payments within one billing cycle, after I realized the error I promptly made the payment. I chatted with BOA to explain the situation and asked that it be waived as a courtesy. XXXX stated it could not be waived as a courtesy due to my terms and conditions. I reviewed my terms and conditions while still in the chat and advised there was no mention of the fee being nonrefundable. He finally reviewed the terms and stated well it does n't have to say nonrefundable, I am not waiving it. I then asked if this is the policy for every customer and he stated it could be waived if I had a major life event. What is a major life event? Who decides if what is currently going on in my life is huge enough to qualify as a major life event? He stated it was maybe a newborn or a life event that caused me not to make the payment on time. I facetiously told him that I had a baby. He said congratulations call the customer service line explain it to them ad see if they will waive it. That brings up another issue, should n't all representatives of BOA give the same information? If this rep is willing to do nothing for me and waive a fee for someone else, how do I know that it is not based on discrimination. If he is so adamant that a fee can not be waived, why is he encouraging me to call and ask that it be waived. I also got the impression from him that BOA would just make up rules as we went along. I even asked several times are you stating that BOA does not do courtesy waivers, he just kept saying per your terms. If there is nothing in the terms I received when i received the credit card, stating courtesy waivers are not allowed and other people have received courtesy waivers, what makes my account so different?

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 05/28/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Convenience checks

Complaint: I used a convenience check with a 0 % APR until XXXX XXXX. Then at a later date, I used a convenience check with a 0 % APR until XXXX XXXX. I am told now that there is no way that I can pay the balance of the check that expires sooner without also paying the balance of the one that expires in XXXX XXXX, because the system automatically applies the payments to whatever account it wants to when they both have the same APR. Once my balance on the one account starts being charged interest, then payments would be applied to that one first. I was told that I should have understood that with the wording on the disclosure for the convenience check. But I do n't think that is made very clear in the offer. A creditor should be required to apply the payment to the promotion that is going to expire sooner.

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 07-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with COMMERCE BANK (OK).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Hi, I opened a XXXX XXXX XXXX XXXX XXXX card and completed the requirements to make {$1000.00} in purchases during the first 90 days to earn XXXX bonus points. However, when I tried to redeem the points, I was told that in order to redeem them, I had to first have a stay at a XXXX property. This was not communicated anywhere in the account disclosures, and in addition, the card landing page ( https : //www.commercebank.com/XXXX ) states " Earn XXXX Bonus Points Towards a FREE Night Stay '' which is a false statement because the points can not be redeemed without fulfilling other terms.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (Mortgage) with ASSOCIATED BANK, NATIONAL ASSOCIATION (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Fell behind on XXXX mortgage with Associated Bank. Was contacted to set up payments with the assurance that it would stop legal attempts for judgment against me. I was also told the debt had been charged off and I would only be paying toward the principle. XXXX months later never missed a payment I saw a judgment against me and attempts for wage garnishment. I called them and they said that was a mistake and should n't have happened. They stopped garnishment attempts and apologized but I still now had a judgment against me. I continued to get a statement showing the principle amount with no interest and my monthly payment. Almost XXXX years of consistently paying every month I called to get the payoff amount as I 'm ready to sell my home and take the equity out to pay the lone off. The principle load amount was $ XXXX almost XXXX years of monthly payments over {$4000.00} my pay off amount was over {$33000.00}. They said the statements do n't show the interest charges but the judgment against me allowed them to collect interest. Had I seen any interest charges on my statements I would have questioned that over XXXX years ago. I feel like they took advantage of someone faithfully trying to pay back debt and always intended to file a judgment and collect interest.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MN).
Issue: Billing disputes

Complaint: We hired a moving company for an interstate move. We authorized a payment as required for delivery though the amount was in dispute. We agreed with the moving company on the amount quoted from their account department to me via email. We signed an authorization for this amount. We subsequently received an automated invoice for additional charges which were never explained to us to justify the second invoice. We contacted the moving company, their parent company and our credit card well in advance of the charge date to discuss. We sent numerous emails to the moving company and verbally communicated we revoked any authorization for a new charge. The moving company was never able to articulate justification for the invoice and the credit card company kept saying do n't worry about it until a charge occurs. Our credit card company said that since we provided authorization they are unable to dispute the fees in our favor and that this does not constitute fraud and to go hire an attorney. We went through several rounds with the credit card company including their agents/employees telling us : 1 ) this is a type of fraud and should be covered, 2 ) this is a disputed transaction and should be found in your favor, 3 ) this is an unethical business practice by the moving company and we will be contacted by corporate ( we were never contacted other than form letters ). So we are left with a moving company freely charging our credit card without authorization and the credit card company is not protecting us.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MD).
Issue: Managing the loan or lease

Complaint: To whom it may concern, I just found out that on my credit report that I was late paying my car payment in XX/XX/XXXX which was XXXX, I was told not to paid that because I was in the processing refinance my car to XXXX XXXX XXXX, from General motor finance. XXXX gave me a good rate for my car payment which it is XXXX a month. I am in the processing buying a home and I would like to have some XXXX to remove this from my credit report. I was following the instruction from my bank XXXX telling me not to paid that in XX/XX/XXXX because I will be getting a payment in XX/XX/XXXX which is XXXX for my car payment. the payment for XXXX would 've been paid because I do n't like anything to be late but i was told not to paid anything for XX/XX/XXXX and my new car payment due XX/XX/XXXX with XXXX. Thanks for your kindness. i really want something in my name and that is a home which i can say its mind. it something that my family and grandkids would love to have. thanks again and have a bless day.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company settled a lawsuit out of court with me and they are refusing to remove the supposed debt from my credit report. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with (Former)Shapiro, Swertfeger & Hasty, LLP (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My complaint is with  XXXX   XXXX  apartments. They have my credit report down with an eviction. They are saying I was on the lease when they tried to evict my father. My name and social should n't have even been on it considering I did n't sign the lease until after I moved in with parents. Now they are trying to nail me with an eviction that I was n't a part of. I need this fixed because it is messing up me trying to get into an apartment.     Since I was n't even on the list to begin with. It should have been under  XXXX   XXXX . Not  XXXX   XXXX .

Company response to consumer: Untimely response
Consumer complaint received 03-12-2018 about Checking or savings account (Checking account) with TCF NATIONAL BANK (CO).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Hello, My name is XXXX XXXX. I have been a loyal customer of TCF Bank for a year. I am a single mother of XXXX children. I get direct deposit from my employer every two weeks, a child support deposit at least once a month, and a bonus check from my employer once a month as well. I overdraft my bank account two times per month to be able to feed my children, and make it through the week. I am aware that I have to pay a {$37.00} overdraft fee, however when I overdraft my account I am not only charged with ONE overdraft fee but three to four when transactions are pending in which funds were available before I overdrew my account. This time I made a {$340.00} deposit from my employer which I had in the past made a deposit for. I received a receipt from the ATM that shows an available balance of {$540.00}. I then made an online payment online using my debit card in the amount of {$280.00}. I checked my bank account to ensure that the funds were going to be deducted, and saw that my bank account had overdrawn to a negative {$68.00}. I called the bank and was suggested to make a {$68.00} deposit " To prevent a overdraft domino effect. '' I live paycheck to paycheck and do not have {$68.00}. I have asked my employer for the cash to cover that. Which is humiliating after being paid my bonus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-11-2016 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (OH).
Issue: Application, originator, mortgage broker

Complaint: I contacted Quicken Loans for a mortgage loan for a new home an XXXX XXXX XXXX. On the same Day, I spoke with quicken loan officer, XXXX XXXX who was helping me with the loan application. I gave him all the pertinent information for credit purposes. He asked me to send him XX/XX/XXXX and XX/XX/XXXX taxes of which I sent through his email. On XXXX/XXXX/XXXX, I wrote XXXX an email to make a follow-up on my loan application. My email was never returned. I followed up with several call ( XXXX ) XXXX ext.XXXX. All my call were never returned despite of leaving several messages. Credit disclosure was never sent to me despite of pulling our credit, the loan was neither approved nor disapproved to this day and no further communications. I believe I was a victim of racial bias and of national origin because of my accent.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I can not print and view my full credit report online. There is also a name XXXX XXXX XXXX. Which is not mine. This person had stolen my identy a couple of years ago and her name was supposed to be removed from my credit report and it 's still showing on my credit report. Please remove her name and I the collection companies XXXX and XXXX has been paid in full. This should have been moved from my credit report years ago. I wish to have this resolved ASAP as a I am looking for proper housing and need good credit. Please contact me at XXXX. My full name is XXXX XXXX XXXX. Your immediate attention be greatly appreciated. 


P.S. this identity theft person XXXX XXXX XXXX committed this crime twice and went to court twice. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Debt collection (I do not know) with Fidelity National Financial, Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, XXXX, I sent a certified letter to XXXX XXXX. XXXX, vice president/trial counsel of Fidelity National Law Group, assignee to XXXX Receivables requesting them to verify a debt that has started in XXXX, but until now I have not received anything from them. They placed lien on my property in XXXX and XXXX but failed because the SSN who owes the debt was not mine. They also tried to foreclose on my property thereafter, and that also failed. This debt was not even ever in my credit report. What should I do next? Will you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Student loan (Private student loan) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I pay more then the current payment Due on my Private Student Loan every month. However, the amount of interest satisfied each month gets higher and at the same time the principal satisfied lower. So, even if I pay more on my loan than is due or more then my normal payment amount, my principle balance does not decrease for that amount. <P/>I have tracked this activity for several years and I am very concerned that my payment is not accurately being applied to principal each month. <P/>I have called the company and they have not been able to answer my questions. I have even been told by a representative that it is " not worth paying extra on your loan '' and that it will not help you pay the loan off earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Bought a car from XXXX XXXX XXXX XX/XX/XXXX. Paid on the car for a year and it had serious mechanical issues so traded the car in at XXXX XXXX for loan with XXXX. XXXX has pulled hard inquires on my credit every 3-6 months since I 've traded the car. And recent found that the published my full ssn address dob and other personal docs on a public site where anyone can search and just look up my information. They pulled my credit again XX/XX/XXXX. Not sure why this company is still pulling my credit and reporting incorrectly on a traded car. I 've made calls and get the run around or say someone will call back no one calls back. So I 'm unable to find out what 's going on with this company. Never reported one payment I made and new dealership should of closed the loan. If not where is the car and why does it still show I owe over the balance of the original loan with them. Can provide web search where it has company letter head my personal information on request. Also able to provide credit reporting on request.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HEARTLAND PAYMENT SYSTEMS INC (NH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/2014 I signed up for a class with the XXXX XXXX  XXXX XXXX XXXX. The financial obligation statement signed states " I agree that by registering for courses within the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), I am financially obligated for ALL costs related to the registered course ( s ). Upon a drop or withdrawal, I agree that I will be responsible for all charges as noted in the student catalog and handbook. I further understand that if I do not make payment in full, my account may be reported to the credit bureau and/or turned over to an outside collection agency. I also agree to pay for the fees of any collection agency, which may be based on a percentage of the debt up to a maximum of 35 %, and all additional costs and expenses, including any protested check fees, court filing costs and reasonable attorney 's fees, which will add significant costs to my account balance. '' This statement does not say anything about loan terms. It does not specify an overdue balance being categorized as a loan. No line of credit was provided. The statement does not specify any type of monthly payment agreement. The only thing this statement says regarding credit is " ... if I do not make payment in full, my account may be reported to the credit bureau and/or turned over to an outside collection agency. '' However, this organization is categorizing this balance as an unsecured loan, on a revolving account with a monthly payment obligation, now reporting 32 missed payments on my credit report. Since XX/XX/2014 I have been actively trying to get this reporting resolved with XXXX themselves, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX the collection agency managing the account, and the credit bureaus. When referencing the fair credit reporting act, the institutions actions are in violations in multiple ways. The financial obligation statement is vague and does not clearly explain how they are treating past due balances. With the exception of the credit bureaus, none of these organizations have responded to me directly after multiple disputes. They also have no documentation that outlines a service term, loan agreement or line credit being extended.

Company response to consumer: Closed with explanation