milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle ( XXXX XXXX ) from XXXX XXXX on XXXX/XXXX/XXXX. They arranged financing through GMAC ( I will attempt to attach the Dealer Transaction form ). The automobile was titled in my husband 's name. My husband is now deceased. I am trying to get a lien release on the title from Ally ( a company who apparently bought out GMAC ). They are claiming I owe late fees on he loan ( which was paid off in XXXX of XXXX ). The payments were made via automatic draw from my account for 72 months. At no time did GMAC or Ally notify me that I owed late fees ( which I could not have owed due to the automatic payments ). I have made three calls to Ally - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I insisted I talk with a supervisor to dispute the late fees. I was connected to a man identifying himself as XXXX ( he told me he was a supervisor ). He agreed after our conversation to waive the late fees and said he would fax to me the lien release which I would receive in XXXX hours. He gave me a case number XXXX. 

I called Ally again on XX/XX/XXXX as I had still not received the faxed release. I was transferred to XXXX different people during this call ( over 1/2 hour on the phone ). I was told that there were no supervisors available and they did not know who XXXX was. They continued to insist that I owed late fees. When I asked them why I had never received notice of late fees in a timely manner so that I could dispute them - they said the address they had on file was different than what I was giving them. The last man I talked to said " It is your responsibility to contact us if you move ''. 
I have lived at my current address for 18 years. The correct address is listed on the dealer transaction form. It was an error on their part ( or GMAC 's ) if they have the wrong address. I feel as though they are extorting money from me by withholding the lien release until I pay money that I do not owe. I have asked repeatedly to talk to a manager and was told they do not have any managers available. Please advise me as to what my options are.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax had a cyber security breach. According to Equifax, my information might have been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015 I received a collection letter from XXXX ; for debt that had been deleted from my credit report in XXXX 2015 due to CBE Group 's failure to provide validation. On XXXX XXXX, 2015 I requested validation of the debt from XXXX ; still have not received anything. On XXXX/XXXX/15 I pulled my credit report and discovered that this invalid debt is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: I placed an order for {$310.00} with XXXX XXXX. They posted double that amount for authorization. An additional {$310.00} worth of my funds were held that I could not have access to. 

When I called the bank they refused to get on a conference call with the manager at XXXX and I to resolve this, and the manager at XXXX refused to admit that they had requested double authorizations. 

They both said the amounts would " fall off '' in a couple of days. When I told both US Bank and XXXX that I had checks that might be coming through they both said they would do nothing to help. US Bank said they would charge me insufficient funds fees if anything bounced as a result of this mistake. 

I spoke a supervisor named XXXX. He acknowledged that XXXX authorizations were incorrectly applied, but because of US Bank 's policies, he could not help. He also said that if I was charged NSF fees it would " at the bank 's discretion '' as to whether or not they would reverse those fees due to a merchant error.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: my info was effected by the cybersecurity hack.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Loan servicing, payments, escrow account

Complaint: i got the banks response to my inquire that is wrong my situation has changed but the payment should be a lot lower than it is do n't you think look at the high interest you do n't know if the situation has changed or not just guessing but it has changed my brother just got a new job but you see the payment ever drops at all the payment is to high for anyone does matter of any situation thanks

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 Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This all started back in XXXX 2014. A collection agency, XXXX XXXX XXXX, reported to XXXX and claimed I owed XXXX from XXXX. I have not had XXXX service in several years. To ensure, I contacted XXXX and verified my acct was closed in good standing and was never sent to collections. They also confirmed my information was not used to open any accounts after my account was closed, which would theoretically rule out identity theft. I submit a dispute with XXXX and it gets removed almost immediately. Great! 

XXXX months later, I got to apply for something and get denied. Check credit report and a new collection agency by the name of XXXX has this so called debt now. I submit another dispute with TransUnion and after they went through their investigative process, they removed it as well because the Collection agency could not verify the debt. 

During the investigation, XXXX could not verify the debt and sold of the debt to a new collection agency, AFNI INC. That new collection agency is now looking to collect on this false debt. I am sure after I submit letter of verification, they will attempt to sell it off again. 

My concern is that I will be in this loop for ever. XXXX claims they can not do anything because every time it is sold to a new Collection agency, the acct numbers change. 

Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with WELLS FARGO & COMPANY (AZ).
Issue: Confusing or missing disclosures

Complaint: On XXXX XXXX I submitted for a cash back return on my credit card from Wells Fargo, their Go Far Rewards program. The check was subsequently misplaced and never cashed. After receiving a letter from Wells Fargo noticing the check had not been deposited yet I called their Go Far Rewards program where I was informed that due to their terms and conditions I would not be able to receive a new check and that they would return the outstanding {$50.00} to the bank for themselves. I spoke with both a frontline and executive customer service representative to know avail.

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 02/18/2017 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Credit card protection / Debt protection

Complaint: I opened an account with Amazon prime for a credit card issued by Synchrony Bank. They added a fee for card security without my permission at a cost of {$2.00} per month. They were counting on my not catching this. When I called the telephone number for customer service I was connected with an off shore call center staffed by English speaking foreign nationals. The rep said he would cancel. 
This is an example of a predatory and dishonest credit card company.

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 05/23/2017 about Debt collection (Medical debt) with Medical Business Bureau (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I didnt received a letter or was never aware of such account in collection..

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (ME).
Issue: Loan servicing, payments, escrow account

Complaint: I was not aware that XXXX sold my mortgage to Carrington Mortgage Services in the month of XXXX 2015, until I logged in and found that nothing was working, and none of my loan information was available. I ended up sending an email to XXXX to see what was going on, and they informed me of the mortgage being sold. This was fine, until I went onto Carrington 's online banking site for my Mortgage and found that they had increased my interest rate by one percent. When I called to try and get it resolved, they told me it was my responsibility to fax them the original paperwork for my mortgage with the correct interest rate. I do not feel it is my responsibility to correct this issue, since I never agreed to a higher interest rate and they had made the mistake. I feel like they probably do this to a lot of consumers in hopes that they are not paying attention and will steal more of our hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Other transaction problem

Complaint: Hello, So I open account with Coinbase and I had to link my bank account to transfer the fund from bank to Coinbase platform to be able to trade. Everything was successful till I had to sell my bitcoin for the amounts of {$1800.00} from Coinbase platform and deposited back to my bank account that is linked to Coinbase platform. 

Coinbase platform show that the transaction was completed by XXXX XXXX, 2017. But the problem is i havent receive the money yet and I cant reach out to Coinbase customer support and I have sent them multiple email with this matter to try to solve ASAP but unfortunately no response. 

This Coinbase fraud either stole my money or take the money to a different account and I need approve of the ACH transfer that has been done. 

Please advise how I can get my money back from the fraud company Regard

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/2017 I had my mortgage refinanced, and on that credit report, it shows the EXPERIAN reported serious delinquencies. I had to open an account with a credit card at Experian to view the report as neither XXXX  nor XXXX shows any such comments. The Experian report erroneously lists the comment of serious delinquency on my XXXX report. However, XXXX says that it is a data furnisher issue as they have no such derogatory comment on my report. The Experian report also shows my XXXX  score as XXXX pts less than Experian 's or XXXX XXXX 's, also incorrect. 

I have made NUMEROUS attempts to contact Experian to discus this as I am prevented from disputing online Experians data as erroneous as it is tied to an error in EXPERIANS data collection from XXXX. XXXX can not help because they never reported what Experian is reporting on their behalf. Unfortunately, even though you can reach customer service at both XXXX and XXXX, every single customer service number for Experian, goes to the same canned automated system for either Fraud Alerts or to order a Credit Report. NONE of them have any actual person or option to speak to someone to resolve the matter.

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 05-01-2015 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (NY).
Issue: Money was not available when promised

Complaint: We need Legal Forms For Constitional Laws Business and Cooperates complaints on businesses must be made. We have the $ amount that we are paying. Send asap the fees to this company. I have credit card and am awaiting For the money to be released from www.chase.com

Company response to consumer: Closed
Consumer complaint received 09-08-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: CFPB : PLEASE BE ADVISED, THIS IS NOT A DUPLICATE COMPLAINT. I AM RESPONDING BACK TO EQUIFAX IN REGARDS TO A WRITTEN LETTER THAT THEY SENT TO ME VIA THE U.S. MAIL. PLEASE FORWARD THIS COMPLAINT OVER TO THEM ON MY BEHALF. THANK YOU. 


Equifax Consumer Relations XXXX XXXX, 2016 To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent 5 previous letters to you, all by certified mail ( copies of receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters all sent certified mail stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt Equifax to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX County Courts for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA, and the FDCPA and intend to pursue them to the maximum. 

I anticipate your response. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other transaction problem

Complaint: I established an online account with PayPal on XXXX XXXX, XXXX. Shortly after, I was informed that my account had been temporarily limited on XXXX XXXX, XXXX, and was requested to provide additional information to verify my identity. I complied - and provided a copy of my U.S. passport, only to be told that PayPal had decided to close my account due to some " security issues ''. This is ridiculous - I 'd been using the account normally and PayPal could n't even provide an explanation to justify its decision. The reference number for PayPal 's request for my identification is : XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a letter from Navient dated XX/XX/XXXX, stating that my deferment begins on XX/XX/XXXX. Mr credit report reflects that I was 90 days late in XX/XX/XXXX. There is no way I could be 90 days late in XX/XX/XXXX if my deferment started in XX/XX/XXXX. I have tried to rectify this with Navient but was denied. This is an outstanding issue on all 3 credit bureau 's and i am requesting this be corrected. My letter reflects all of my student loan accounts had a deferment as of XX/XX/XXXX. The letter clearly states in the body that the deferment began in XX/XX/XXXX, but Navient responded to me stating it began in XX/XX/XXXX. This is clearly an error on the loan servicer 's end.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My car loan is on an automatic debit from my bank account. I specifically chose a date where I know I would have the funds for the debit. On the second of each month, a couple of days before my paycheck gets credited to my account. 

GM Financial ( XXXX. XXXX XXXX XXXX, AZ XXXX ) have been deducting the amount from my account two days before my the agreed to date. I called their customer service and she told me that that is what they usually do. Credit the money two days before the agreed to date.  There was nothing in writing verbally saying or stating that that is their policy. I am being charged with overdrawn fees from my bank account. 

Is there anything I can do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In  XXXX  I cosigned on a private student loan from  XXXX   XXXX  ( now  XXXX   XXXX  ) through  XXXX   XXXX   (  now  XXXX  ). It came to my attention when I pulled my credit report in  XXXX  that  2  additional student loans through  XXXX  were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with   XXXX   's fraud department around  XXXX , and also filed a police report with the  XXXX   XXXX  police department in Texas.  <P/> After a brief investigation,  XXXX  's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement through my email of one of the loans. However, I let the  XXXX  fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email.  XXXX  's fraud department did not take further action to try and resolve my fraud claim.  <P/>  XXXX  Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with  XXXX .  <P/> Please see attached documentation including Police Report and  XXXX  fraud claim submitted.

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 12/19/2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Rewards

Complaint: I applied for and received on XXXX XXXX, 2016, a Chase Sapphire Reserve credit card. A benefit of the card is that I receive a {$300.00} annual credit for travel charged to the account. I called Chase prior to the close of my first statement and was advised that any travel charges thru XXXX/XXXX/16 was eligible for the 2016 credit. When I tried to use the 2016 credit after the close of my XXXX statement I was n't able to do so. I was advised on a call to Chase that I that I had been provided with misinformation on my first call and in fact only travel charges through the close of the XXXX 2016 statement are eligible for the 2016 credit. 
I relied on the representation made on the first call that travel charges through XXXX/XXXX/16 were eligible for the 2016 credit and deferred purchasing travel till later in XXXX Chase does n't deny that I was provided with misinformation and says that my reliance on it will not change the result of denying me the travel credit for travel purchases thru XXXX. Providing me with misinformation, which Chase does n't deny and either confirmed by listening to the call or was able to do so, should not cause me to lose the benefit I am entitled to under the Sapphire Reserve card. this will result in overbilling me for my travel costs when charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-04-2017 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: Public record information inaccurate

Complaint: Equifax continues to report two public record tax liens on my credit report : XXXX Superior case # XXXX and # XXXX. The address that Equifax has on file is NOT mine because it is not an accurate GEORGIA ADDRESS. How are they able to verify that these public records belong to me if the following address : XXXX XXXX  XXXX XXXX, XXXX, GA is NOT an accurate address? The title of the road that Equifax reports is NOT a WORD. I demand that these tax liens are deleted and removed from my credit report immediately. 
EQUIFAX FAILS TO " ACCURATELY VERIFY '' that these tax liens belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: On XX/XX/XXXX. We bought airline thickets for my wife and myself for XX/XX/XXXX. 
For {$420.00} and {$430.00} from XXXX XXXX. 
The flight was at XXXX XXXX 
We arrived at XXXX We had the tickets on my wife 's phone. 
We prepare to get online for boarding like the rest of the people. But then we noticed that our thickets were block. It wo n't open. So coud n't board. 
I call the boarding desk and were told that they wo n't allow us in that flight. That another flight was available the next day for additional {$500.00}. 
To us did n't sound it fair. 
They overbooked! 
Then a week later they open our phone telling us to go boarding in XXXX XXXX Nevada airport! 
Of course we were in XXXX Texas in our home! 
I told our bank Bank Of America not to pay. 
We explain everything that happened. 
But ignoring our wishes. 
On XX/XX/XXXX they pay XXXX XXXX. 
I have called Federal Trade Commission Governor XXXX XXXX of Texas XXXX XXXX XXXX this frivolous charges Thank you.

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