milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (VA).
Issue: Problems when you are unable to pay

Complaint: Ally Financial repossessed my vehicle on XXXX XXXX, 2016, unlawfully according to the XXXX of Virginia Law Code : Chapter 22, 6.2-2217. The vehicle that was repossessed was eventually sold by Ally Financial and after receiving a letter from them requesting payment for the deficiency, I responded with a request asking for proof of documentation including titling regarding the sale of vehicle, notice of default and notice of acceleration as is required by law under the XXXX of Virginia. I requested for any attempts to collect on this debt and any negative reporting to the credit reporting agencies be stopped until debt could be verified. Ally Financial responded with nothing but the same letter of how the deficiency was calculated and no other documents proving the repossession was lawful. However, Ally Financial continues to attempt collections as well as continued negative reporting to the credit reporting agencies. I have had two collection agencies in less than a year attempt to collect on this debt.

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX share branch which is XXXX XXXX on XXXX XXXX XXXX. in XXXX XXXX, XXXX and made my loan pymt. The amount I paid was {$350.00} I forgot to add the {$.00} to my check. On XXXX XXXX, XXXX I received an email stating I was 30 day 's past due for {$.00}. XXXX  XXXX called me for 5 day 's about {$.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: Toyota sent me a letter XXXX XXXX stating that they would remove negative credit reporting that occurred on my account in XXXX XXXX. I co signed on a car loan with someone and through no fault of my own the payments were late and I was never notified of this serious delinquency, until after the negative credit reporting already occured. Despite Toyota having my phone number and home address, they chose to send me a letter more than 2 months after the account went delinquent, thus not allowing me to speak to the cosigner, or if necessary make the payments myself to get the account current. Toyota gives me this letter, advising that they were removing the marker, but the marker is never removed and on top of that, they then report me XXXX 60 days, despite the letter saying that they were taking off the 30 day and that I had no other negative reporting. I have attempted to resolve this with them to no avail for almost 6 months, and they refuse to do what I have in writing that they said they were going to do. This have severly impacted my credit and I want them to honor what they said they would do in writing. This car loan is almost paid off, and it 's unacceptable that they send me a letter that says this, then refuse to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My original mortgage was with XXXX. In XXXX 2016, I was informed that my mortgage would be serviced by Nationstar Mortgage as of XXXX/XXXX/2016. I received an escrow shortgage statement from XXXX in XXXX stating what I owed for the escrow account. If I paid the {$530.00} in full, my mortgage would only increase to {$1600.00}. I paid the shortage in full. In XXXX I get a mortgage statement from Nationstar stating my new mortgage will be XXXX starting XXXX XXXX. I called XXXX and they confirmed the receipt of the escrow payment and confirmed my monthly payment is indeed {$1600.00}. I was also told I would get a new statement from Nationstar ( which I never rec 'd ) showing {$1600.00}. I made my XXXX XXXX payment for {$1700.00}. Today ( XXXX XXXX ) I get another statement from Nationstar telling me my monthly payment is now {$1700.00} I called Nationstar and spoke with representative XXXX and later her manager, XXXX XXXX. XXXX states they do not on file that the escrow amount has been paid. I explained that a check was mailed on XXXX XXXX for {$530.00} and XXXX confirmed on XXXX/XXXX/2016 that the payment was rec 'd and credited as of XXXX XXXX, 2016. Nationstar is claiming until they do a full account analysis, my mortgage payment is {$1700.00}. I was never notified that payment was not rec 'd ( because it was ) or that my mortgage would be increased. XXXX from Nationstar states they will review my account and will contact me in 30 days ( end of XXXX ) of their finding. I informed Nationstar that all future mortgage payments will be {$1600.00} until they put in writing why I should pay more. I then called XXXX and spoke with same rep I spoke with on XXXX XXXX, 2016, XXXX XXXX and she confirmed again that the escrow payment was posted XXXX XXXX and my new mortgage should be {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: When I tried to get a refi loan on my home. I was told I had co-signed on a car loan at a XXXX XXXX XXXX in XXXX XXXX, CO on XXXX 2017. It is a joint loan with an XXXX XXXX XXXX and was given a name of XXXX XXXX. My name is not XXXX XXXX and I do not know who this person or person ( s ) are. I reported the error to XXXX and they refused to remove this person from my credit report. I have since contacted the police in XXXX XXXX, CO and they are investigating the incident. I do n't know if they have used my social security number or my deceased husband 's but need to have this corrected as soon as possible. I ca n't seem to talk to a person at XXXX so need some help getting this corrected asap. XXXX seems to take the side of the credit union instead of listening to me. It is very frustrating. The same error is on my Equifax credit report. Thanks for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: MY NAME IS XXXX XXXX AND I HAVE A LOAN WITH SALLIE MAE, THE AMOUNT IS {$10000.00} AND THE INTEREST RATE IS AN UNBELIEVABLE 9 %. I NOTICED THERE ARE FEDERAL LOAN ALTERNATIVES LIKE THE XXXX FOR STUDENTS WITH AN INTEREST RATE OF 3.86 % FIXED AND THE XXXXFOR STUDENTS WITH AN INTEREST RATE OF 5 % FIXED. I WANT TO KNOW HOW I CAN GET MY INTEREST RATE REDUCED TO THE RATE OF XXXX OF THESE TYPES OF LOANS. I ONLY WORK PART TIME AND I CA N'T AFFORD THE PAYMENT THAT IS REQUIRED UNDER MY CURRENT LOAN. MY ACCOUNT NUMBER : XXXX. PLEASE CONTACT ME AT XXXXXXXXXXXX SO I CAN CHANGE TO A LOWER RATE AS SOON AS POBBIBLE. WHEN I TOOK THIS LOAN OUT I THOUGHT IT WAS A FEDERAL LOAN BECAUSE IT WAS FROM " SALLIEMAE '', BUT WHEN I RECEIVED THE LOAN PAPERS I WAS TOLD IT IS A NONFEDERAL LOAN. THAT IS VERY CONFUSING AND COULD BE DECEITFUL. I AM ATTACHING THE LOAN DOCUMENTS FOR YOU INFORMATION AND THERE ARE XXXX PAGES. THANK YOU XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a copy of the voice transcript of a message from Trans world Systems. They think I have a debt. 
" company (? ). This is an attempt to collect a debt and any information obtained will be used for that purpose. Please return the call to XXXX XXXX-either (? ) at XXXX. Again that 's XXXX had either (? ) at XXXX. Thank you. Trans world systems Incorporated is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. When calling please refer to your ID code XXXX. Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage changed hands several times XXXX XXXX XXXX to Greentree and now Ditech. Received final discharge of chapter XXXX bankruptcy in XXXX 2016. Received notification from identity monitoring that Ditech reported XXXX 2016 payment delinquent. It was paid XXXX XXXX. Ca n't reach customer service representative since then. Hold times over 45 minutes then call disconnected or goes to original menu. Emailed customer service and received confirmation of receipt. Told I would be contacted by mail. Can not access account payments online. Information disappeared and it prompts you to call bankruptcy department back to same phone tree which is now answered by XXXX XXXX XXXX XXXX. I 'm aware the parent company known as XXXX XXXX was sued for XXXX for deceptive practices while doing business as Greentree. Seems like same sort of issue persists under Ditech name. Hundreds of recent complaints from many people like me trapped by these scam artists.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My family,XXXX, all filed with the XXXX credit reporting agencies at the same time for a credit report. The others in my family got all XXXX credit reports. I got XXXX reports. Equifax refuses to send me my credit report. I have contacted them more than once. They state they want photocopies of such things as my drivers licence etc. The other XXXX agencies gave me my report. Equifax has some sort of credit report on me, but refuses to let me see it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Debt collection (I do not know) with BARCLAYS BANK DELAWARE (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A delinquent trade-line from the company BARCLAYS BANK DELAWARE for {$3100.00} still appears on my XXXX credit report despite the fact this account is not mine, the other credit bureaus have removed the account, I have disputed it, and no proof has been sent to me that this account even exist. I am not sure why XXXX would let this happen as I have contacted them multiple times telling them this. They won't let me dispute this item online for some reason. Please help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (I do not know) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am making a dispute agains t Nationwide Recovery Service in  a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8  ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for  VALIDATION m ade pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports  (   XXXX ,  XXXX , and  XXXX   ).  This action constitute fraud under both Federal and  State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Payday loan) with MNE Services, Inc (IN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Today I received an email from them saying they were pressing charges against me for check fraud for a defaulted loan I have with them. They told me I should have someone ready to get me out of jail. They also told me that they were going to talk to my superiors at my job and let them know what I have done.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit card () with CITIBANK, N.A. (DE).
Issue: Credit line increase/decrease

Complaint: In the XXXX quarter of XX/XX/XXXX, my credit score was impacted adversely due to a medical bill that was reporting adversely in error to the Credit Bureau. This bill was paid in full ; however, the medical provider posted the payment to the wrong account which resulted in the error. During this same time, I made a significant large payment to Citibank. Within days of making the large payment, Citibank reduced my Credit Line from what was over $ XXXX to my revolving balance amount. When I called about the reduction I was told it was due to my FICO. Between the medical bill and the CL reduction, my XXXX decreased over XXXX points. I researched the issue with the Credit Reporting Agencies and found the medical bill error. This was corrected on all XXXX Credit Reporting Agencies by XX/XX/XXXX. My FICO then increased over XXXX points. In XX/XX/XXXX, I had contacted Citibank about restoring the line back to the original limit since the reduction had effected my score as well. I was told that they could not give me a reason why and I would have to wait until I received a letter. I requested to escalate the issue and was told that no one could take my call. This is unacceptable and it is a bank Regulation to provide a reason for adverse action. I am currently making over $ XXXX a year with $ XXXX in income through a XXXX property.I have been actively paying down my accounts in the past year. I think that this treatment is unfair and breaking the Regulations set forth. I wish to have my credit line restored to the original limit with no intention to use, only to improve my credit score. I am in the process of buying a home and this issue is preventing me from obtain the best avaliable option. I have paid my account on time since opening the account over XXXX years ago and I have alway paid the fees associated. Please consider restoring the Credit Line and address the Regulation violation. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (I do not know) with Mutual Financial Partners (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Mutual Financial Partners XXXX XXXX XXXX will not provide me with any information regarding the debt. I have asked for written proof, but they will not provide it. I received a call from a " locator '' asking me to verify my address to " deliver documents ''. I was originally told that they are called " XXXX '' out of XXXX XXXX. After some research, I found out otherwise.

Company response to consumer: Untimely response
Consumer complaint received 11/24/2015 about Credit card () with CITIBANK, N.A. (NV).
Issue: Balance transfer

Complaint: This is a complaint about Citi bank credit card electronic transfer fraud by Citi bank. As of XX/XX/2015 they issued a payment via mobile transfer from my Nevada state bank account to payoff my credit card account without authorization. My bank reverse the charges, after I notified them and adviced me to contact Citi bank to investigate how and why this occurred. After getting the run around at citi bank they refuse to tell me how this transfer happened. I am attaching a copy of my payment transfer to this credit card for your viewingI thank you for your help and consideration in this matter and hope to hear from you soon.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: " XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' both appear on my [ Experian ] credit report multiple times in varying amounts, as well as once in aggregate. On my credit report, they 're being treated as separate accounts as well as one combined account. I 'd like the additional line items deleted or identified as duplicates.

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 04/20/2017 about Mortgage (Other mortgage) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: BBVA Compass pr olonged process to deposit insurance check. I received an insurance check to pay for damage to my home. I went to deposit the insurance check at the local BBVS Compass branch, was told I would need to complete pages of forms and mail the check to Alabama processing. After that it would t ake 10-15 d ays to process and return endorsed check. Real ly? BBVA Compass g ets to hold my check for almost a month?? In the meantime I 'm  out $ 12,000+ in  personal funds. Ouch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage account with Chase. I opened this mortgage account on XXXX 2005 right when the economical crisis happened. During all these years, I had tried multiple times to apply for a long modification without success. In several occasions my husband and myself were unemployed documentation was provided but the loan modification never was approved nor solved. Recently I have been diagnosed with XXXX XXXX and again another hardship in my life. 
I had never been late nor in default because of fear to loose the only shelter I have. So far I had disbursed to Chase more than the property is worth during all these ten years of the existence of the mortgage loan. 
I am trying to get into an agreement with Chase and to cancel the loan since I had paid more than the property is worth. 
Chase has ignored my concerns and request. 
I found out that Chase paid on my behalf for property taxes that were never late nor deliquent just because I applied for a modification. I do n't have a written document for escrow account however Chase had opened an escrow without my authorization. While reviewing the loan as a whole I noticed that chase was charging me fees that never incurred. 
I need to address this concern and I want justice for the misrepresentation of Chase, forge documents and false statements. 
I am a consumer who had provided enough money to chase who does n't deserve.

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. (KY).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax was made aware of a data breach involving my data, as verified by the information on the equifax breach site that was created ( equafaxsecurit2017.com ). I identified myself as a victim of the data breach. Equifax did not notify me directly of this, and did not provide me with any opportunities to opt-out of the storage and collection of my PII and PHI during the time in which they collected and stored my PII and PHI. I did not ever give consent for this information to be stored on any equifax storage medium, including but not limited to servers, SANs, RAID arrays, virtual storage containers, hardcopy files, etc., and now equifax has allowed a security breach to compromise my personal information due to their negligence and lack of security.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company reported to my XXXX credit reports an account and after disputing it about a year ago, all XXXX credit reporting agencies deleted the account on or about XX/XX/XXXX. On XXXX XXXX and XX/XX/XXXX, the same collection company started sending me demand letters AGAiN. Last week I realized they illegally and purposely re-reported to the credit reporting agencies, resulting in my score dropping XXXX points. This also resulted in a home loan application being denied. I disputed the account with XXXX and they deleted it AGAIN, the next day, XX/XX/XXXX. I then received a XXXX demand letter from them. Although they refer to themselves as Retrieval Masters Creditors Bureau , Inc, they have the same address, account, amount, etc. As the original collection company that I originally disputed and was subsequently deleted by the XXXX credit reporting agencies. 

I have all my records and proof of their shady dealings And putting them on notice that I am retaining an attorney to Pursue them for financial compensation for the time, inconvenience, defamation and financial injury from their deliberate actions. Not to mention, filing a complaint with the state General Attorneys Office for illegal and unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX does n't want to delete all the negatives collections and Unauthorize hard inquiries and negative accounts that are closed after Bankruptcy Chapter XXXX after it was discharged by Federal XXXX, Texas onXX/XX/XXXX,2016. There should n't be no negatives like collections or creditors open accounts like XXXX XXXX credit cards, all account on credit reports should be deleted. The only creditors that should be displaying on my XXXX, Transunion, XXXX should be XXXX XXXX XXXX and XXXX XXXX XXXX. All other creditors was included on bankruptcy chapter XXXX and XXXX data should delete all discharged creditors. XXXX is in violation of my ADA Disability Act Civil Rights under the Department of Justice and Federal Bankruptcy Laws.

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