milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MD).
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: Submitted a dispute to XXXX confirmation # XXXX regarding the removal of XXXX inquires which they did not investigate or provide proof of the investigation. 

1. XXXX - Mortgage Department 2. XXXX XXXX Also the XXXX failed to investigate the dispute from XXXX XXXX XXXX XXXX which shows as a debt collection account, the additional information has not yet been provided to me the consumer, I have no idea the information they used to determine how the date is correct which makes no logical sense. 

The account from XXXX XXXX is over 7 years old and is still being reported which is against the law in MD for the statue of limitations.

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 09/28/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MA).
Issue: Taking out the loan or lease

Complaint: Nearly 2 months ago ( XXXX XXXX ) I submitted a complaint against Ally Financial regarding my auto lease and nothing has been done. No one has contacted me regarding resolving the matter. In fact the opposite, I received another paper statement threatening that my account go to collections which would negatively affect my credit. In over 2 years I have not missed a payment and they now are saying I owe money that I do not and are assessing me late fees. At this point, this is harassment and I am seriously considering legal action against them. I would expect the CFPB to assist and to this point nothing. 

The issue is that I got the vehicle in NY and per my lease agreement and confirmation from the dealership, taxes were included into the lease payment. Because I moved, Ally is now saying I have to pay taxes that were already paid on the vehicle. Their customer service is inept. I called and spoke to someone in a foreign country ( XXXX or the XXXX ) for over half and hour. That person was clueless. I gave specific instructions and information and no one ever followed up. I called back a week later for a status update and that person was even more clueless and said that no one had done anything that they were supposed to do ( based on my instructions or what they said they would do ). I submitted a complaint and nothing has happened ever since. 

I will sue whomever I have to, to protect myself and my rights. I take this matter very seriously and expect the same level of importance be given to the matter that I am giving. I expect quick resolution.

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 07/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I applied for Public Service Student Loan Forgiveness as I am a social worker for a non profit company ( in rural XXXX so I am nothing short of impoverished ). I received a letter back that stated " Our records indicate that the loans identified below are expected to be paid in full prior to your estimated eligibility date for forgiveness and therefore the expected loan balance eligible for forgiveness will be {$0.00}. '' I currently owe over {$12000.00} and have been making nothing but interest payments for the past few years which is not helping lower my balance whatsoever. I am currently on an income based repayment plan. I make my payments on time every time. I just applied and received this letter in XXXX of 2017. Just curious how they can already assume it will be paid off by the time my eligibility for forgiveness comes along. I feel discouraged and ca n't see the benefit of remaining a social worker with barely a livable wage and loans sitting on my chest. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have attempted to have the verbiage changed on the status of this account in question with the original creditor and Equifax. i have received a letter from the original creditor stating that the status would be changed. Instead of changing the status of the account Equifax just added another status, which in no way fixes the issue. The original account status stated, claim filed with government. This was suppose to be changed to transfer to other office/default. Equifax just added this comment to the status instead of changing it. Now it states, claim filed with government and transferred/sold. All that Equifax needs to do is remove the verbiage, claim filed with the government. Please help! This verbiage on my credit report is making it impossible to qualify for a mortgage. The mortgage broker advised me that this statement could mean I have a judgement lien against me, and this by no means is the case. Again, please help me get this corrected. I will attach files of the original creditors letter, and the updated account on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiries on my credit report. Account statues is incorrect. Student loans are showing inaccurate.

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 07/25/2017 about Payday loan, title loan, or personal loan (Payday loan) with EZCORP, INC. (TX).
Issue: Can't contact lender or servicer

Complaint: The call was left on my moms answering service stating my moms name telling her to have me call this phone number. My mom called me, I was on my way to work, she told me that a lady called and left a message stating that if I did n't contact them they will be issuing a warrant for my arrest upsetting her. I called the number a soon as she gave it to me so I can find out what is going on a lady answered stated that it an investigation company representing EZ Corp she stated that I took out a loan and refused to pay it back, I explained to her that I had lost my job during the time I had the loan with them. The told me that if I gave them {$190.00} right then and there they would drop the case against me, I made it to work with this person still on the phone. I asked her They could let me make the payments in installments she said no I had to pay them a {$1000.00} by XXXX. I explained to her that I had just made it to work and I did n't have that kind of money on me. I asked her she please give a week to try to come up with money she said no because they sent me out three letters. I explained to her I did n't receive any letters from EZ Corp. She told me that I closed my bank account and that was trying to avoid paying back the loan, I explained to her I did n't close my bank account the bank it closed because it was in overdraft too long because I lost my job.I asked her why do I have to pay so much money back when the was like {$500.00} she said because of the interest, I said ok can you please me give a week to try and come up with the money she said I had to pay the money right now this same day XXXX talked with her about this matter. I had to leave my job ten minutes later after arriving, because she had me so upset threating me with the police. She stated that I will be picked up at my home and that larceny by check charges will be filed against me. I begged and pleaded with this person to work with me since this was our first point of contact since pay loan was taken out. I asked her if she can get the company to work with so I can pay them back, she threatening me about the police coming to my house arresting me. She told me that the corporation did n't want to work with me they really want to lock me up. She will give no info on loan other than it defaulted at my bank. I asked her where should I send the money if I 'm able to borrow it, she stated she did n't have that information to call her back when I get the money. no later than XXXX or they filing a warrant.

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 explanation
Consumer complaint received 12/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Mail company stating do not call work number. Also, call them to stated to not call work number. They still calling my work number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit card () with Alliance Data Card Services (MT).
Issue: Delinquent account

Complaint: I 'm being reported as 30 days late with my payment. I 've never been late

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 Ditech , my current mortgage company, processed my payment that was Due on XX/XX/2016 for {$1000.00}. The check had been written for {$1400.00} in the number box but on the written line I inadvertently written in XXXX XXXX XXXX XXXX XXXX XXXX. Ditech then informed via telephone that I was overdue on my XXXX payment on XXXX XXXX. I checked on my credit union web site and saw ditech had processed my check and recieved payment for the XXXX payment on XXXX XXXX. It was then that it was discovered that Ditech processed the payment for the amount written in the line.The Ditech customer service Representative claimed that Ditech processes checks for the amount written on the line not what is in the numerical box. I was directed to submit a check for {$400.00}, which I did, and that check was processed on XXXX XXXX. I had also sent my for XXXX 2016 the same day without a remittance coupon because Ditech did n't send out on because they were showing non payment for XXXX. The XXXX payment check was Processed on XXXX XXXX, 2016. Ditech then called XX/XX/XXXX asking if I was going to send a payment for XXXX. While I was on the phone with Ditech I checked with my credit union and the XXXX payment had been paid on XXXX XXXX. The Ditech Customer service representative said there was nothing they could do and I needed to send payment. At this point I requested a supervisor and gotten transferred to XXXX at ext XXXX and have only had her working on getting my account straight. On XXXX XXXX I submitted a check for the XXXX payment with absolute scribble written in the amount line and the correct amount written in the numerical box. My credit union processed that check after Ditech took it upon themselves to print in {$1400.00} on the written line and process that check in direct violaton of what I was told several timesof thier policy. I have been trying to get my account properly credited with Ditech through the customer service center to no avail I need help getting this mess straightened out before Ditech processes me for foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (WV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account from PENN CREDIT CORP # XXXX. I had previously disputed this account. I have never done business with PENN CREDIT CORP. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Credit card) with Morgan & Pottinger, PSC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Never received any information on debt in the mail.

Company response to consumer: Untimely response
Consumer complaint received 02/21/2018 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (CO).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Today I called Ally Bank to speak about a possible fraudulent transaction. The transaction was in XX/XX/2017. There were no other suspected fraudulent charges. 

The front line customer service rep made a mistake and canceled my current card without my permission. 

Normally this wouldn't be a problem but I am traveling to XXXX in less than a week. There is no way that they can send me a replacement card by the time that I leave - or realistically during the first part of my trip. International shipping can take a couple of weeks. 

Spoke to the supervisor and the only solution presented was to use the current card as an ATM card during my trip. 

It makes no sense that a card would be deactivated without my express permission. It is my money please allow access. 

There is a distinct possibility that I could end up across the world without access to cash. 

This should not have been done without permission. The company should overnight a card in an attempt to fix the situation. This is not going to happen.

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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX ,  2017 , I sent Transunion a lette r 3 wee ks prior regarding several inquiries that were not authorized by me. I wanted to check the status the representative then sent me to a supervisor. Supervisor was extremely rude. I asked him if any of the inquiries were coming off because I am going to open a new account but do n't want them to open the account and issue me high interest due to inquiries that were not mine. He told me none of the inquiries were coming off. I advised him several times that they were not authorized by me. He told me to contact the companies, which I already did. Those companies advised me to dispute with Transunion. He told me he and the company refused to delete them. He advised me to make a police report. I do not have time to make a police report for something that happened without my conse nt 1 or m ore years ago. I tried to explain this to him and he completely refused to honor my request. I am trying to rebuild and establish new credit, these inquiries are preventing that.

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 01/18/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: I opened an Auto Loan with Santanders XX/XX/XXXX. I became XXXX and wrecked my vehicle XX/XX/XXXX causing me to XXXX. I had an lawyer on my case as the cause of the accident was the other driver. I spoke to Santanders plenty of times to resolve the issue and they refused to do so. Now the amount that is on my credit shows as a charge off. This company would not assist with my needs and they need to remove the account off my all credit bureaus. This has affected me in so many ways. The vehicle was totaled out and my insurance did not pay. I loss my job due to me having to be on bed rest after this car wreck.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: unverified account

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hi, I pulled my report and found out that there were late payments showing from the company below. 

XXXX XXXX account number XXXX I was never late 30 or 60 days on this account when it was active.I figured it must have been some sort of billing error on their part. 

I have tried to take care of this matter with the creditor and the three credit bureaus and noone has yet respond. When I tried to resolved this matter the company keep stalling. I have been dealing with this matter for sometime now and you guys are my last option please help me.

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 03-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other

Complaint: Capital One offers a unique program to their customers through their website where a customer can combine XXXX credit cards. The minimum criteria are listed on the web site, with no other terms or conditions about the program available. XXXX of my Capital One credit cards meet this listed criteria. The website tells me I 'm still not eligible. I called capital one and spoke to a supervisor. I was informed that it was a back end decision, and although my cards meet the criteria listed on the website, their system has said I am not eligible. When I asked why, they informed me that even they did not know, and there was no way to find out. 

So on the one hand, I have met all of the criteria made publicly available to consumers. On the other hand, Capital One is saying I have not met the right criteria, and can not tell me why. 

I fully understand if there is criteria I have not met, but to simply be told " You 're not eligible, and we ca n't tell you why '' does n't work for me, and seems more like false advertisement than anything else. If I were to be told exactly why I was not eligible, then that at least gives me something to go off of other than " Better luck next time ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Twice now I have disputed through Equifax with supporting documentation and the receipt showing the judgement was paid and they still are reporting it as open and unpaid not satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Deposits and withdrawals

Complaint: I walked in to the Suntrust bank in XXXX XXXX XXXX, which was actually my birthday because I my father sent me some money to put down on my new car that I leased and also to collect the funds from some returns that were posted from XXXX, from my debit card issued by Suntrust and when the the returns posted to my account, I walked into to the branch to withdraw the funds and the teller informed me that they needed to verify these return and froze my account suspecting fraud. I felt that I was racially profiled and being accused of committing an act of fraud when none such incident occurred. I provided the branch manager with all the documentation supporting these transactions that could 've been easily verified by XXXX credit department themselves, but the bank still refuses to unfreeze my account and release my funds. I visited the branch multiple times and called customer service demanding answers and a timeframe but instead was given the run around. The manager at the Sun trust racially profiled me because of XXXX and assumed I was up to fraud when it 's actually the total opposite. I gave them everything they needed and they still refuse to unfreeze my account without any updates.

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