milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MD).
Issue: Problems when you are unable to pay

Complaint: There was an auto loan where the payments got behind after the loss of income, and the finance company Ally ( XXXX XXXX ) was to close the account refelecting the bankruptcy. However, they are still trying to collect illegally from me by reporting an active and open account with the creddit bureau. Everytime I disputed this issue they came back and stated the account is open and has a balance, but will not report the facts that it was chaged off and closed. In addition, they reported to the federal courts that they would be removing the accont from its portfolio and pipeline where the informationwould not harm me from restablishing my credit. I currently, have XXXX auto loans with XXXX and are aid ontie, and because of the fraudulent reporting it reflects that i have XXXX auto loans which is not factual. 
Ally has a group of people such as XXXX, and another person who do not understand request to speak to managers and supervisors i was transferred from XXXX to XXXX where the experience was very horrible and this group is a recovery team when theres nothing to recover. I am seeking relief and support from the company, also restitution for the improper reporting which has prevented the movement of federal clearance. The account is charged off, and vehicle was sold less than the requested reaffirmation agreement that was submitted to Ally by me to have a supporting repayment pan, they paid an attorney XXXX to keep me from paying the restructed affirmation plan as it was requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: Bank of America added a {$5000.00} charge into mortgage balance. On XXXX XXXX, Bank of America employees came and cut down the hedges in front of my home. I never asked Bank of America to come out and cut my hedges which decrease the value of my home. The employees were supposed to look at my property as it going through a modification to avoid foreclosure. The statement is from Bank of America yet when I call them, they tell me '' We use vendors including XXXX XXXX and XXXX, XXXX '' I called both XXXX XXXX and XXXX XXXX and they told me that Bank of America is responsible for my loan. 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 03/25/2017 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: I have contacted Bloomingdale 's customer service department four times about this matter and I have been continually lied to about this matter being resolved on my next statement. It still is not resolved four months later. With this letter I am asking for your help in finally resolving the issue. 
I put jewelry charge of {$4000.00} ( {$3700.00} after using {$220.00} worth of rewards cards ) on my club account on XX/XX/2016, but returned the jewelry on XX/XX/2016. The credit was applied to my regular revolving account by the sales person even though I asked her at the time to make certain that the return be taken off the club account. Ever since my XXXX statement, the charge has appeared on my club plan with a balance. 
After every monthly statement received, I have called, spent an hour on the phone with customer service. I am promised that the charge on the club plan will disappear and everything I 've paid will be re-routed to my revolving balance or my other club balance. My newest statement still has the charge and nothing has been credited to either the other club plan purchase or the revolving side of the account. 
All this time I have been paying for something I returned in XX/XX/XXXX and all the money I 've paid is being diverted from balances to which payments are intended. A customer service person even LIED to me and told me the charge had just been credited the day before when I called at the end of XX/XX/XXXX after I received my statement.

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 06/30/2017 about Payday loan, title loan, or personal loan (Title loan) with Westlake Services, LLC (OR).
Issue: Problem with the payoff process at the end of the loan

Complaint: I had a car title Loan with Wilshire Consumer Credit which was paid in XX/XX/XXXX. I still had not received my vehicle title by XX/XX/XXXX. Contacted the company and they originally claimed that the title was released on XX/XX/XXXX and tried to refer me to a third party vendor ( XXXX ) that wanted to charge me to get information about my title. After refusing and calling back Wilshire Consumer they admitted that the title had still not been released but would get it processed now. When I asked why the title had not been released nearly 6 months after payoff I was told that it could have been any number of errors and they did n't know the exact reason it was never released. <P/>I find the whole process very disturbing and suspicious. Originally lying to me and saying it had been released and referring my to a third party that wanted additional money and then after I refuse to pay they admit that the title has n't been released and simply say " sorry, there was an error somewhere, but it was n't our fault ''

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: Citi cancelled my card because i 'm not using it, and Citi now requires me to call them to get my awards, but they wo n't answer their 24/7 number for retrieving awards. I had stopped using their card because it was useless. I have been a cardholder for more than a decade. My account was fully paid. They appear to want to deny me the ability to claim my awards. Can you help? 

I sent them an e-mail saying that I would report them in 24 hours, but since they claim to be 24/7 and I have n't heard from them, it made sense to go ahead and let you know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Medical) with Capio Partners, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have attempted to obtain validation of this debt from XXXX XXXX XXXX three times since XXXX XXXX, 2016. I have not received VOD. I supplied a copy of my social security card, my DL, proof of residence, tax returns for two years and they still can not locate me in their system. Today I found this account on my credit report. I spoke with XXXX at Capio Partners Collection agency, and XXXX from Capio Partners Patient Advocacy department and neither of them were able to locate my file. They advised I contact XXXX XXXX directly. I spoke with XXXX in the patient billing department at XXXX XXXX hospital. He used several methods to attempt to locate a file in my name. He was unsuccessful. He advised I dispute the account directly with my credit bureaus. I disputed this account with all three major credit bureaus. XXXX responded by updating my experian credit report with a balance of {$9400.00}. I have done everything to get this debt removed from my credit report. The original creditor has failed to provide me with validation of this debt. I have given them ample opportunity and proven my identity. I have sent a letter of dispute to Capio Partners as well. I am requesting this debt be removed from my credit report immediately as their negligence is affecting me in a negative way. This is false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2017 about Consumer Loan (Vehicle lease) with VW Credit (NE).
Issue: Managing the loan or lease

Complaint: VW Credit of America CAN NOT resolve their system upgrade issues they had few months ago and they consistently say that I am {$0.00} past due even that I over pay by about a dollar or 2 every month. I have made every effort and talked to supervisors to resolve but I am not getting anywhere. If you look at the attached statements, you will see that i overpay what is being asked from me and yet consistently I get {$010.00} tacked on as PAST DUE. This is not right and they need to fix it. So, I need your help to have them look into my account. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/24/2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On XXXX XXXX I was to pay bills online using my online banking account with Bank of America. After logging in and before I was able to use any online banking functions I received a pop-up asking me to verify my personal data. I thought this indicated that someone was hacking into my account ... .asking me to verify my SSN, address, and whether or not I have dual citizenship! These questions are inappropriate and highly intrusive! I suspected a hacker and still do. I called the bank and they referred me to their compliance office, which I can contact after the holiday. 
I could not x out of this request and want verification that this request is from thebank and not from a hacker! Moreover, to ask whether I have dual citizenship is intrusive and inappropriate ... I suspect if this is not the request of a hacker it must have something to do with the regulations or repeal of regulations administered by our lousy XXXX. 
I will contact BOA 's compliance office this week and am in the meantime reporting this request to the XXXX for a response.

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 03/14/2016 about Debt collection (Auto) with TRANSWORLD SYSTEMS INC (DC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: In XXXX XXXX, I was involved in a collision while operating a rental car from XXXX. I purchased a liability waiver for the car, but failed to get third party/total collision insurance. XXXX cars were considered a total loss. 

On the scene, I was issued a ticket, went to court a few weeks later, and paid the fine. The other party involved was not present at court. 

In XXXX XXXX, I received a letter from XXXX damage recovery unit stating that I was not liable for the damages incurred to the vehicle I was driving. 

In XXXX XXXX, I receive a collections notice from XXXX XXXX XXXX in an attempt to collect {$25000.00}. When I inquired about the charge I was informed that the other individual in the accident settled with XXXX, and because I did not purchase the total liability waiver, XXXX did not have to engage me in conversation regarding negotiating the settlement amount. They also stated that the only breakdown they needed to provide me was that the individual was paid {$2500.00} for his XXXX XXXX XXXX and {$23000.00} in personal injuries. 

I could have hired a lawyer to represent me and negotiate the claim. 

When I asked why the notice went straight to collections, XXXX stated they sent me a letter and because I failed to respond within 30 days they sent it to collections. When I asked if they had proof of delivery or proof that the letter was mailed out, they said they did not need to provide me with any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The bankruptcy reporting has several inaccuracies. Reference Number XXXX. I do not know the source of their information on this bankruptcy and because of the Experian has violated the Fair Credit reporting Act. I am requesting the removal of the bankruptcy.

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 06-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was a student at XXXX -- and I believe I was a victim of fraud or other violations of state law by the school, and I wish to file a claim for " borrower defense to repayment. '' I was promised a guarantee of what my salary would be and the types of jobs that would be open to me. I have not found any job that pays even half of what I was promised and I am unable to pay for my student loans, my credit has been severely damaged because of this, I am unable to purchase a home, or a car. The entire situation has caused extreme hardship for myself and my wife. I was promised a better life, which the complete opposite has happened after my attendance, we suffer everyday because of my attendance at XXXX. The recruiter came to my home and lied about the school, what would happen and even how long it would take for me to complete my education. 

I attended XXXX at the XXXX XXXX campus beginning XX/XX/XXXX - XX/XX/XXXX My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: After the XXXX breach I placed a security freeze at all 3 major beaches. I was able to complete the process for XXXX and XXXX online. 

Experian could not verify my identity so I used the process on their website and sent a payment for {$5.00} along with a copy of my ID and recent bills on XXXX XXXX XXXX. I received a form letter from Experian dated XXXX XXXX that said the freeze was successful but that the payment was not necessary ; the letter stated that my {$5.00} check had been shredded. 

The next day I received another ( undated ) letter from Experian. This 3 page letter said the freeze request was unsuccessful but it also included ( 1 ) the original {$5.00} check ( that I had sent them and that they told me had been shredded ) and ( 2 ) a money order dated XXXX XXXX XXXX for {$3.00} sent by a XXXX XXXX of XXXX, GA ( I have no idea who this person is ).

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 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Dis attorney off XXXX XXXX XXXX XXXX XXXX XXXXIs a account that is opened by mistake, this account is in XXXX current and payments are being paid on time for a few years now. XXXX opened the same amount and is reporting negative remarks and late payment history. 60-90 days late payments on a account that 's being paid in XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My ex fianc had a   XXXX   XXXX   credit card he opened in  XXXX  before I met him.  XXXX   XXXX  has an  XXXX  and   XXXX   XXXX   store account, which are linked. I was added as an authorized buyer around   XXXX  . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called   XXXX   XXXX   and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  XXXX   XXXX  and all  XXXX  credit bureaus to have this removed since   XXXX  .   XXXX   XXXX   refuses to remove it, even with a police report submitted to them.   XXXX   XXXX   also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   XXXX   does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!

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 01-09-2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX I called XXXX XXXX Bank to inquire about a debt that I had. My call was re-routed a customer service representative at Resurgent Capital Services who stated that the debt owed to XXXX XXXX Bank was not handled by that financial entity. She proceeded to tell me ; however, that I owe {$1100.00} to XXXX XXXX Bank, an account that had been opened in the year XXXX. 

I proceeded the tell the customer service representative that I had already paid the debt to XXXX XXXX Bank approximately 10 years ago and that I had closed the account. Furthermore, I told her that the deb to XXXX Bank showed as Paid on my credit report. She told me that it did not matter and that I still had to pay the debt. 

On XXXX XXXX I received a letter from Resurgent Capital Services stating that I have a current balance of {$1100.00} which is not accurate. I spoke with XXXX at XXXX Bank today and she confirmed that my previous balances were paid and that I do not owe any thing. I checked my credit report today and it states that XXXX accounts with XXXX XXXX, each for {$250.00}, were satisfactorily paid in the year XXXX. Upon completion of the payments, I closed both accounts. 

XXXX also mentioned that former and current XXXX XXXX card holders have complained about Resurgent Capital Services mailing them letters regarding erroneous outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with JPMORGAN CHASE & CO. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do not have the loan from Chase mortgage company anymore. I owe nothing on the account and they are report negative payment. They sold my loan to another mortgage company XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: In  XXXX    XXXX  , I applied for  FNBO Travelite car d and I was rejected b y FNBO ( First National Bank of Omaha ). And I respect their decision based on whatever criteria  they used. However, in  XXXX    XXXX   I received an exclusive invite from  FNBO to ap ply for the same card with a custom invitation code. I applied and was rejected again. This rejection is not only completely misleading but also adds an unnecessary hard pull to my report making it harder for me to get credit elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These are all inquiry that I did n't give permission to run my credit credit bureau still report and inaccurate information XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX lease XX/XX/XXXX cont XX/XX/XXXX bank XX/XX/XXXX I only applied to XXXX lines of. Credit and neither run your credit score to get approval it 's secured credit card

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 06-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Graduated from school XX/XX/XXXX. I began to receive bills in XX/XX/XXXX, each time I received a bill I called Navient and told them that I had not graduated but that did not stop Navient from calling my home, sending noticed and billing me every month. Every other day there was a message from Navient reminding me a payment was due and every week I would call the number and talk to a representative and let them know my graduation date was months in the future. Soon I just began to accept the harassment and stop calling. I did send back the bills with notes that I was graduating in XX/XX/XXXX, and I thought I had six months to find a job then start payments. My calls & notes were ignored. <P/>XX/XX/XXXX. I received my notice that my bill was near {$170000.00} with over a full one third in interest & late fees. My student loans are subsidized by the federal government, and should not accrue any interest while still in school. I had very little unsubsidized loans. <P/>I was told if I want my loan to be based on my income than I would have to print everything out and then FAX it in. I did all that and the repayment still included my entire family 's income. I am a grown women responsible for my own bills. <P/>I have worked for a XXXX XXXX at the XXXX level so my XXXX representative urged me to apply for PSLF Public Service Loan Forgiveness. For all my loans to be eligible I consolidated all my loans under an income repayment plan. I filled out all the paperwork to consolidate my loans and adhere to the rules. All loans under one consolidated loan so all would be eligible under the guidelines. Navient instead created two separate loans and said neither was eligible for PSLF. I need help. Navient is destroying my credit score as well as not adhering to the policy set at studentaid.ed.gov. The percentage charged against my loan ensures that I will never be able to pay off the balance.

Company response to consumer: Closed with explanation