milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: IN XXXX 2017 MY AUTO LEASE PAYMENT WAS DEDUCTED FROM MY BANK ACCOUNT. IN THE NEXT MONTH 'S STATEMENT I BECAME AWARE THAT THE PAYMENT DID NOT POST TO MY LEASE. I CONTACTED MY BANK AND THEY CONFIRMED THAT THE PAYMENT WAS NOT PROPERLY CREDITED TO THE LEASE DUE TO THEIR ERROR. THE COMPANY THEY USE TO PROCESS PAYMENTS SENT A LETTER TO THE LEASE COMPANY ( ALLY FINANCIAL ) EXPLAINING THAT THE LATE PAYMENT WAS DUE TO THEIR ERROR. ALLY CHARGED ME A LATE FEE AND CONTINUES TO REPORT THE PAYMENT AS LATE WITH ALL 3 CREDIT BUREAUS. I REPORTED THIS PROBLEM TO ALLY AND ALL 3 CREDIT BUREAUS. THE CREDIT BUREAUS DID NOTHING AND ALLY DID NOT RESPOND IN ANY FASHION. WHEN I CALL ALLY THEY KEEP TELLING ME IT 'S BEING LOOKED INTO BUT THEY WILL OPEN ANOTHER INQUIRY YET NOTHING HAPPENS. IT APPEARS THAT ALLY DOES NOT HAVE USA BASED CSR SO COMMUNICATION AND UNDERSTANDING IS NEXT TO IMPOSSIBLE.

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 04/28/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (NC).
Issue: Problems when you are unable to pay

Complaint: I have recieved 5 calls from XXXX until now, which is XXXX. This is absolutely unacceptable and excessive. Any reasonable person would find this level of calling to be offensive, and illegal. It is impossible to have a job, and answer the continuous level of calls I receive. I am called a minimum of 5 times everyday. This is unacceptable, illegal and these type of tactics should be stopped immediately.

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 11/24/2016 about Debt collection (Credit card) with Apex Resolution Group LLC (OK).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Apex resolutions out of XXXX NY, called me for the first time on a rotor dial call, said they were seeking out employment verification and would pursue collections on my bank accounts. Have it all recorded.No fdcpa required announcement of a debt collector or identification of the company calling. Just threats on the very first call

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: This debt is over 10 years old. They recently started garnishing my wages and I have n't received anything indicating this was in process so could n't do anything to prevent it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (IL).
Issue: Trouble during payment process

Complaint: - On XX/XX/XXXX, I submitted my monthly mortgage payment through SLS 's website. The payment amount requested was {$75.00} more than usual. The site included no explanation for the extra charge. To avoid adverse action, I paid the amount requested. - On X

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

Complaint: Equifax leaked my personal information including, potentially, DOB, social security number, addresses and more. Now my entire credit history is compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (NY).
Issue: Closing on a mortgage

Complaint: I have previously submitted compliant  XXXX  about NAVY FEDERAL CREDIT UNION with respect to their unfair business practices and desire to overcharge discount points contrary to their own guidelines.     In an act of retaliation and bullying Navy Federal Credit Union cancelled my closing on   X/XX/2017     without ever providing me with notice. I had informed the  Credit Union th at no one was authorized to receive communications on my behalf ( enclosed email-notice ) but they still enticed their own attorney to commit Mal-practice by directing them to contact an unauthorized third party about the case and state the following : " '' Per the lender this is where we are at with closing : " If he would like to close with the terms we currently have in place we can reschedule closing. The earliest date we can close would be Monday. We will need him acknowledgement on the CD with no change in the terms. '' As you can see Navy is not going to be changing any of the final terms of the CD. I will need to confirm a closing, if he still wants to close with Navy, ASAP and will just need to update the  CD for the new  close date and then have him acknowledge it by the end of the day tomorrow. Please let me know if your client would like to close on Monday  XXXX  or after. If adjustment amounts will change please provide new adjustments to me ASAP so I can send over a new dr aft CD today. " D emonstrating NFCU 's resolution to violate its instructions by refusing to communicate with its own borrower for ov er 48 hours and to even provide the courtesy to inform them that closing had been cancelled as a re sult of its failure to due its due diligence with respect to communications with all parties. It also communicated through its attorneys its attempts to utterly dismiss complaint  XXXX  and that it would hold on to its desire to violate section C of its Commitment Expiration Policy on the Mortgage Loan Price Commitment Agreement by raising the price for discount points above what was on the document and the prevailing rate of the day ( See attached agreement.     Furthermore, it was discovered on  XX/XX/2017    Navy Federal Credit Union did not properly disclose to the appropriate party the names of the individuals to take Title to the property to be recorded on the deed of trust further causing delays. On the closing disclosure issued  XX/XX/2017    in order to close on  XX/XX/2017     Navy Federal  attempted to charge the buyer for delays it caused and demonstrated its intent to add additional fees by issuing a new commitment agreement on  XX/XX/2017    with higher rates than it advertised despite the fact that the current agreement would not expire until  XX/XX/2017   .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX XXXX I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Consumer Loan (Installment loan) with Carma Enterprises Inc (NV).
Issue: Problems when you are unable to pay

Complaint: Keep calling my job and I keep telling them I can get fires for them calling

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Debt collection (Auto) with Resurgent Capital Services L.P. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Resurgent is reporting twice on my credit reports. Resurgent is also known as LVNV funding and is the same company.. I have a resurgent and lvln account on my profile for the exact same thing. They are double reporting on my credit report which is in violation of the FCRA, Furthermore they are reporting these as loans and this company did not take over the loan nor did I sign loan contract with them, they should be reporting as a " Debt Buyer '' as they are n't a lending company or financial institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My credit dropped XXXX points for a XXXX collection that do n't even exist!! I contacted XXXX and was informed there was no balance on the account and that the credit agency has made a mistake!!! 
I gave XXXX all my info ( account number & social security number ) they looked up my account. ..which by the way is over XXXX years old and said there was NO BALANCE on the account!!!!!! Someone made a mistake and now i have to suffer the consequences with MY CREDIT SCORE DROPPING!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian, credit report, refuses to send me my disputed credit report. Experian is giving me a very hart time, since XXXX 2015, that I am disputing XXXX items that are not mine and dont belong to my self. Experian its not complying with State and federal Laws and Experian is braking State and Federal Laws. After 30 to 45 days by Federal Law Experian must mandatory send me my dispute on my credit Report. Until present, and after 45 Days Experian did not send me my results of my dispute. I am requesting to the CFPB, to investigate Experian and to request from experian my dispute, that experian did not send me after 45 days time limit, my credit report. Its a Fedral Law, and experian Must comply with it..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I run   XXXX   XXXX   XXXX   to foreign countries. In  XX/XX/XXXX  this year I took  8  photographers on a legal people to people tour of  XXXX . One of the group sent a wire transfer to my account at Bank of America from  XXXX  and mentioned  XXXX  in the transfer. I never received the funds. When I followed up on XX/XX/XXXX    I was told that the funds were under review. I continued to follow up every few days but I was never allowed to speak with anyone who was involved with the process. I have still not received the funds. This was a legal visit to  XXXX  under a people to people license and absolutely no money was either sent or received from  XXXX . All payments were made through a licensed operator in  XXXX . This can so easily be verified looking at my account transactions.  <P/>  2 weeks ag o, without informing me, my bank account was frozen. On   XX/XX/XXXX  I s poke to someone in the small business department and he told me I could still use my business account. I had already sent out several checks on that account. I also made a transfer to my daughter who needed the money. On Tuesday I get a call from my daughter in tears saying that the payment to her account had been reversed. Again without informing me, my business account had been frozen. I 'm now left with no money, several bounced checks and I have yet to receive an explanation why this has happened. I 'm told I have to present proof of residency although I have lived in the USA for 38 years. I spoke to the bank 's compliance department when I first received a letter asking for this information and I was told they had all the information they needed. This was before my first account was frozen. After the freeze I sent the information as hard copy and still the problem has not been resolved and I still have no access to my money. This is now extremely serious but the people I speak to at the bank appear to have little concern for my situation. They just tell me it 's under review and to call back in a couple of days. I 'm frustrated at not being told what I am thought to have done wrong and how this can be expeditiously remedied. I am never allowed to speak with anyone actually dealing with this case. I ca n't pay my rent, health insurance, phone bills etc. This is an extremely serious situation.

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 06/16/2016 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (OH).
Issue: Problems caused by my funds being low

Complaint: My bank is charging overdraft fees on the exact same days that they are posting my deposits on my account. I DO NOT HAVE NEGATIVE BALANCES ON MY ACCOUNT. I called and complained to the bank representative about this issue. He CONFIRMED that the bank was charging overdraft fees on the days that they post my direct deposits. KNOWING THIS, he refused to refund the fees.

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 05-10-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax refuses to block information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was talked into overbearing my student loans because of being laid off and now my student loan balance has doubled..and on top if that since XXXX changed to Navient my monthly payments have doubled ... i need to get a payment lower so that I can get back in track but not help is being offered but to forebear my loans again and at that rate I will never pay my loans off.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit card () with DISCOVER BANK (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I 've got several fraudulent charges on my Discover Card. Some of the charges I was able to dispute online and some I could not. So, I sent them several letters about my disputes. They claim they have not received the letters and I should call about the dispute. I ca n't call because I 'm XXXX. I ca n't use relay services and I do n't have any family/friends nearby. It 's absolutely ridiculous that they ca n't look into my disputes without a phone call. There are XXXX large fraudulent charges I was unable to dispute online and they 're giving me the runaround about them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian has continually rated my credit at XXXX while the other XXXX rate it at appx XXXX. I filed bankruptcy in 2008 and have had to pay cash for all personal activities since that time. No one will give me credit because of the rating by Experian. I have paid my house payments on time every month since the bankruptcy and my business has been current on all credit activities since that time. Experian will not rerate me because I do not have enough credit activity, but because of them I can not get credit. A catch 22.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Debt collection (Federal student loan) with The CBE Group, Inc. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was called by these numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
They claimed to be the C.B.E. group and were very convincing. 
I believed they were collecting a debt I obtained from an unpaid student loan because the amount they claimed was very close to what I believed I owed. 
I gave them XXXX $ on my debit card on the XXXX/XXXX/16 which was pending until the XXXX of the same month. They told me if I was n't able to pay by the XXXX that the account would be sent to another collection agency. ( They have called multiple times before but I was unable to pay at an earlier time ) Today, I attempted to call the C.B.E. group that I found online to pay the rest of the owed debt. They told me they could n't find my information or account anywhere. They referred me to the XXXX at XXXX XXXX XXXX XXXX XXXX I called them and asked about my account. They also could n't find anything in their database and even checked their archival dept. which showed nothing with my name. They referred me to another branch which I called at XXXX XXXX XXXX XXXX talked to me the longest and searched for my info and also could not find anything. 
A few hours later, I get a call from the original people who were claiming to be the C.B.E. Group again and they said they wanted the rest of the owed money from the account. I believed them for some reason and paid them the XXXX that they claimed I owed them. They seemed very professional but after I paid they said they do not send receipts of their transactions and just left me with a confirmation number : XXXX. 
I asked where I could find the receipt or look up the confirmation number. The lady said she was n't sure and could not give me a clear answer on how to find the information other than calling back or looking in my bank statement. 

This is what the bank statements say : XXXX/XXXX/2016 POS PURCHASE Non-PIN / TREASURY XXXX XXXX XXXX IA {$300.00} Pending XXXX CBE XXXX XXXX XXXX / XXXX Date/Time : XXXX/XXXX/2016 XXXX {$390.00} I do believe these charges are fraudulent considering I can not get any information about my personal debt from the legitimate companies.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a certified debt collection letter to Portfolio Recovery on X/XX/2017. Information was sent, but all they really sent was a copy of some bills from two companies. I sent copies of this information to the credit bureau and asked them to dispute and it came back verified without stating how the information was verified or what additional documentation was received. I have enclosed the copy of the Certified Mail receipt, debt validation letter, the letter and statements that they sent, as well as a copy of the information that I received from XXXX and XXXX. XXXX did not send dispute results and it is still reporting on my report so I can only assume they verified the debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian has inaccurate social for me, accounts listed that do not belong to me as well as many addresses. I have disputed with same results as before. I even supplied Experian my personal information which validates they have wrong information. Due to these errors they are hurting my credit score. Please help this is wrong what they do to consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX student loan company told me my account was charged off and did n't allow me to make payments for over 2 years starting XXXX of 2015. I recently obtained a copy of my credit report and I see where they have been reporting my as failure to pay. This company has been cited before for its predatory lending practices. I have spoken with several agents there and explained my situation about not having a job at the time no help was given. And on XXXX XXXX, XXXX after months of repairing my credit and bringing my score up, they flagged my XXXX private loans as charge offs when I could have been paying on them all this time.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: On  XXXX   XXXX , I submitted required documentation toward disputing several items on my credit report and notifying   XXXX   Equifax and  XXXX  that I was a victim of identity theft. I submitted all the required documentation that was required by the individual credit reporting agencies and that which was required by law under FCRA sec  605B ( 15 U.S.C. ..1681c-2 ) the law states the with submission of my proper identification, along with la w enforcement notification, ie. a police report identified items shall be block in no more than 4 business days. Upon approach to the issue, all institutions stated that there practice is to investigate for 30 days and that I would be notified at that point. Not only is this confusing it is illegal to the legal duties of upholding the aforementioned rights of the consumer. I am placed into a position of feeling victimized twice. I seek that the information be blocked immediately for I am neither benefactor of the accounts nor did I give permission to another.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2017 about Debt collection (Medical debt) with Southern Financial Systems, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was involved in a wreck on X/XX/2012. Other party at fault. Had attorney to handle this matter. The day after the wreck I hired XXXX XXXX ( attorney, XXXX XXXX, MS ). Medical bills should have been handled through XXXX XXXX ( other party 's auto insurance ). <P/>Southern Financial Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation