milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: This Complaint is to Ally Financial. 

In XXXX XXXX, XXXX I have financed a vehicle with Ally Financial, XXXX XXXX CC, XXXX XXXX. 

In XXXX, XXXX I crashed my car in a parking lot, and the car had damages in the front, my insurance did not want to pay for the damage since it was in a parking lot, so I took the car to a body shop named " XXXX XXXX XXXX '', they told me that to fix the car it will cost {$3000.00}, at that moment i was not able to pay for that, I even had a payment arrangement with Ally in my monthly payments, my mother was in the hospital, she got both legs amputated, and i had to take care of her so I was not able to go to my job until i resolved my financial situation. 

So, I called Ally I explained to them that the car was left in the body shop, that i was not able to pay the body shop I gave them the address for them to repossess the car, and they never did. Ally called my asking me to pay the full amount own on the account more that {$14000.00}, i told them they should repossess the car, because I did not have the car and I notified them where the vehicle was for them to pick it up, something they never did, i told them i can not pay a car I do not have. 

Now I work in a car dealer ship so I was able to look the History of the vehicle with the VIN number, and i found out the body shop put a lien in the car, they notified Ally, and they never repossess the car, also the body shop sold the car to some body else. That proof that I do not have the car, that I can not pay for a car I do not have, and Ally did not repossess the car, even when they were notified by me, and also by the body shop. See attachment for proof.

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 04-07-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 147 days and counting And still I can not prove I own the home I live in.

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 03/15/2017 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: These people are calling each and every one of my telephone lines constantly, several times a day, every day. I need this to stop. They are sharing my information with others and have contacted me on numerous occasions at my place of employment. They are harassing me and my children and making threats, going to my home and banging on the door at all hours. They 've made numerous withdrawals from my account and are saying that I still owe money. I need them to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX 2015 I remedied a judgement by paying the satisfying amount. I read all disclosures and signed all appropriate documents and the process went smoothly so I thought. I went to my local court house to check if the judgement was indeed satisfied and they confirmed it was. Several month later I noticed on XXXX XXXX a delinquent derogatory report, I desputed this and XXXX XXXX confirmed it was resolved. 2 months later, my wife and I apply for a loan to improve our house and we are denied the low APR rate because of this judgement that I resolved almost a year ago. I feel penalized and treated unfairly. I have been told false information by XXXX XXXX of this being resolved, when it has n't been and again feel I am being held back on an opportunity for a lower rate on a loan that I would qualify seeing this was appropriately remedied!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX I went to XXXX XXXX XXXX to purchase a car. I signed the release form to access my credit. At the dealership I received a call for an interview about my financial situation, then another interview about the fraud alert on my credit report. My credit report was to be cleaned up due to the previous complaints of inconsistent information on my credit report. I could not complete the interview because I could not remember a telephone number on the credit report. I recently circled that number on the report and told them it was not a valid number for me. Obviously, the number was not removed and caused me a problem, I had to drive back to XXXX and call the interviewer from my house phone. Completed the interview, called the dealership told The salesman I completed the interview, he said '' I will tell my boss and I will call you ''. I have n't heard back from them. It 's very clear Experian is using discriminatory practices when it comes to my name and insist on keeping me at the lowest rung of the economic ladder. I want it stopped and I want to be compensated for the continued discriminatory practices being used a against me. Any consideration given this email would be greatly appreciated.

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 11-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been trying to work with the Navient company in correcting a mistake that has happened but they keep giving me the run around. The mistake is my Student Loans where defaulted on when they were suppose to be in Deferment and or Forbearance because of my XXXX XXXX status during a time of XXXX. The first two years of my XXXX XXXX time they were in Forbearance and then were taken out for some reason. But it is not my fault that they did not scrub the XXXX database to ensure i was XXXX XXXX. An i worked with them in XXXX XXXX, XXXX and XXXX, so they were aware of my XXXX XXXX status.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Association Financial Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from an attorney advising I currently owe {$310000.00} to XXXX XXXX XXXX. The amount of the ledger changes with every ledger we receive with threats about accruing interest at the highest rate possible. I have disputed this amount and even provided proof that I do not owe this. I provided the ledger from XXXX XXXX XXXX that show all of my payments made timely and have paid all of my fees and assessments. The XXXX association has told me I owe them no money and they have no idea where these charges are coming from or why I am being charged by this collection agency. I continue to be harassed and have received numerous threatening letters regarding this debt that is not mine. I have XXXX pages of documents including certified letters provided to the collection agency and attorney documenting how this debt is not accurate and I do NOT owe this money. I have sent many certified letters and have not received one response to any of my letters to the collection agency as well as the attorney working on behalf of the collection agency. 
I am XXXX years old and have always paid my feed, dues and assessments. These threatening letters have brought undue stress upon that I can not afford to go through health wise. I have had to go to visit my doctor because these letters have made me ill. I worry that they will continue to harass me and make my health worse.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Purchased merchandise from XXXX XXXX using Discover Card XX/XX/XXXX. XXXX records indicate delivery on XX/XX/XXXX. Merchandise was NEVER received. 
According to FCBA, I should not be charged for merchandise I did not receive. 
If XXXX did deliver the merchandise, then it must have been stolen, because I NEVER took possession of merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Other debt) with GC Services Limited Partnership (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: GC SERVICES # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX - harassed a great deal out of me for the amount I did NOT owe to XXXX in first place ... I ended up paying them because they agreed to stop calling me and promised to take this off my credit, but did not. It has been almost 8 months and this fraudulent collection is still on my credit report ... I reported to XXXX ftc and to bbb but nothing was done. I just want this collection off my credit report for good!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have had a Lowe 's credit card since XX/XX/XXXX. It was taken over by Synchrony Bank within the past 2 years. The bill comes due on the XXXX of the month. I have paid my bill, usually on time or within 7 days. since I opened the account, Within the past few months, XXXX, XXXX and XX/XX/XXXX I paid the bill within 7 to 15 days. XXXX was on time XXXX was 6 days late. In the middle of XXXX, I was injured in a serious accident and was incapacitated for over 6 weeks. During the time I have had the card, the bank has raised my credit availability several times without my asking.
On XX/XX/XXXX I got a letter from the bank saying they were reducing my credit availability from over 4500 to XXXX. Due to several reasons which are questionable to say the least. # maximum consecutive months with a balance increase 6 months, # Used too much of my credit limit within 6 months ( {$1000.00} I think ) # % of time payment was greater or equal to the Balance ( I was never aware the balance needed to be paid off in full every year ) and # low ratio of payments vs amount due. ( I pay more than the minimum amount owed every month.
The real problem is the amount they reduced my credit line to, is an amount which is {$7.00} dollars less than all the fees they are charging, which created an over limit on the account, ( when I was never anywhere near the limit to begin with ) which I am being penalized for, which they are increasing the APR rate by over 10 % which I believe is a predatory action on their part.
I could care less about the limit reduction. What I am upset about is they are using their action in an arbitrary, capricious reasons to destroy my credit when I really did nothing wrong. I paid more than the minimums they asked for. If they needed a larger payment they should have stated so. I am not a mind reader. I want the the credit to be increased to {$3100.00}, to cover the {$7.00} they charged which created the over-limit and I want the derogatory information from this incident removed from my credit report, and all fees made by over limit returned to me, and the APR set back to where it was when the account was issued, 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
Consumer complaint received 08/13/2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on my home loan with XXXX XXXX on XXXX XXXX, XXXX. My first mortgage payment was due XXXX XXXX, XXXX. In XX/XX/XXXX, I received a letter notifying me my loan had been sold to Dovenmuehle Mortgage. In XX/XX/XXXX, I got a letter from Dovenmuehle stating their records showed my insurance had lapsed. I checked my policy and it clearly showed I had coverage XX/XX/XXXX-XX/XX/XXXX and it was on my closing documents, which most certainly they should have. The letter stated they would buy home owners insurance and I would be responsible to pay for coverage for any period of time I was not covered. I did not respond at that time. I honestly thought it must just be a mistake. 
In XX/XX/XXXX, I got a second letter from Dovenmuehle dated XXXX XXXX saying " Final Notice '' \and I must provide proof of coverage or they will buy insurance and I will be charged for " any period during which the insurance they buy is in effect but I do not have insurance. '' So, I could see, they clearly do n't have their ducks in a row, so I 'd better get this straightened out. I went online XXXX XXXX to the site they listed in the letter ( XXXX ) AND mailed my Evidence of Insurance on XXXX XXXX. 
As they have been shown, my policy has been in place since the closing on XXXX XXXX, XXXX and will remain in effect until XXXX XXXX, XXXX. 
So, today, XX/XX/XXXX, I get a bill from Dovenmuehle for {$380.00} for the months of XXXX for the insurance they provided. And, they say it will come out of my escrow. I do n't think I even have that in escrow, PLUS, how can they ethically charge me for it when I had it all along?? And, I sent my EOI within 6 days of the date on the second notice!!! 

As a side note, I am also very unhappy XXXX XXXX could sell my loan without notifying me or giving me any option to opt out, right after closing to any company they chose to sell it to and I am the one stuck holding the bag with a terrible mortgage company. This is not the only issue I have had with Dovenmuehle. In the few short months they have owned my mortgage, I have run into additional customer service, payment, and administrative issues. I will likely have to refi with another mortgage company just to get away from this terrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX I filed for Chapter XXXX bankruptcy as I had lost my job and needed relief from unsecured creditors. I was granted this relief in XXXX XXXX. My mortgage is serviced by Ditech financial. This loan has never been late or short in any way since taking out the mortgage in XXXX. After filing the BK the statements changed to a notice for " informational purposes only ''. I understand this because of the BK but it has now been discharged and Ditech is not reporting the payments to the credit boroughs so the good payment record I have with them is not showing. I am trying to get back on my feet and have always done right by Ditech. They refuse to let me know the payoff amount and will not report to the credit boroughs. They still happily take my money each month though.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (GA).
Issue: Using a debit or ATM card

Complaint: I purchased gas in the amount of XXXX on my American Express Serve card. They put an additional hold of XXXX to verify my balance. I felt that this was an extreme amount of money. When I called to complain, they first told me that it would be 8 days before the money would be returned to my card. When I asked for a supervisor, that person told me that they would need to transfer me to Technical support to see about getting the hold removed. I was on hold for 1 hour and 41 minutes, and then the call dropped. I have since tried to call back and had no luck. This has caused my account to be in the negative by XXXX. They have taken all of my money for the week and I will not be paid again until XX/XX/XXXX. I have a screenshot of the on hold time with this company. They have offered me no type of resolution to my issue. I even verified that they had my number on file in case we were disconnected, which they assured me they did, and I have yet to receive a call back from them. I have used the card for gas plenty of times, and never had a hold like that. I purchased from the same XXXX a week ago and no hold was placed. This is just them keeping extra of my money for a week and it 's unjust and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I defaulted on my mortgage and it went in foreclosure. I found some buyers that wanted to do a short sale. We issued all the documents that PNC Mortgage requested. As always they took forever to process. We were able to get the first foreclosure date canceled. However, when the appraisal was needing to be done. The company that PNC wanted to use was only able to do it the last week before the deadline was came up. PNC said the report from the appraisal came in past the deadline date and the file has been closed. We then issued current information,, like paycheck stubs, bank statements, and 2015 taxes. I have no documentation from PNC only the letters they send when they deny. They never email correspondance. They will call you and ask you the call them back. Or they will stop by the house and leave a door tag asking to call. I feel PNC sticks to verbal communication because it makes it hard for the buyer to had any backup to their mistakes. We found out today that the next foreclosure date ca n't be removed. The file closed again because the buyers proposal was too small. There is a lot of repairs that need to be done to this home. I feel PNC purposely stalled on processing. I feel they did n't even intend to work the case. This is not the first go around I have had with PNC when it came to almost losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Our Original Mortgage was purchased with XXXX XXXX Bank XXXX Georgia and later was sold to a third party mortgage management company by the name of Ocwen Loan Servicing , LLC . Ocwen collects our property taxes on our monthly dues and place them on a escrow account. At the end of the tax year, they are supposed to used that money from this escrow account to paid our property taxes. Ocwen has failed to paid our property taxes on time and we are receiving delinquent tax notice from the Tax Commissioner Office. We are also been fine by the tax commissioner office for not making the payment on time. Trying to resolve this matter with Ocwen leads to a costumer service call center phone line in the country of XXXX, were they reading a script from a computer screen, and blame the costumer for the problem. Ocwen official written letters confirmed that they are ; collecting the money in a escrow account, that they are legally bind to paid our taxes from the escrow account, that they are fully aware of the property taxes payment due date, as well as to who and where the payment should be addressed to. Ocwen tarnishing our credit score and records by paying our property taxes on time as specified in our original mortgage contract with XXXX XXXX Bank XXXX Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching a copy of the letter that I sent to the credit bureaus on XX/XX/XXXX requesting an investigation of erroneous items on my credit report. Obviously, 75 days have passed since this letter was mailed, and the bureaus have not responded to me. They were supposed to respond inside of 30 days. I have also sent follow-up letters regarding this matter, and the follow-up letters have also gone ignored.

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