milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (PA).
Issue: Problems when you are unable to pay

Complaint: In XXXX XXXX, I leased new XXXX Chevrolet CRUZE. On XXXX XXXX, XXXX, I lost my employment and monthly income. I could no longer drive the car and could not make the monthly lease payments or automobile the car and could no longer pay the insurance payments. I contacted Ally and explained my situation and wanted to voluntarily turn in the car. 
There reply was that I would need to pay the balance of the lease in the amount of {$2700.00} and then turn in the car. They wanted me to drive the car to Maryland. I once again stated that I could no longer drive. I stated this was not possible. On XXXX XXXX I once again contacted Ally and restated the circumstances and requested they pick up the car at my residence before XXXX XXXX when the insurance would expire. I next contacted Ally on XXXX, XXXX, and was told they were working on picking up the car and would contact me and let me know when the car would be picked up. As of today, XXXX XXXX, XXXX, I have not been contacted,

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 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (SC).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: After returning from  XXXX , I found my credit card was declined in the states. After talking to customer service, I was told there was a breach at a business and I was issued a new card but had not activated it. This breach was found the previous month. There was no new card, no communication to me and I was told I could receive a new one in  7 to 10 bus iness days. They " expedited '' this t o 3 to 5.  I have an issue with the company completely cutting off a credit card in good standing, paid up to date, with no communication to the card holder. I checked phone logs and there were no calls or emails. By a mere one day, I could have been in  XXXX  with no credit card. Also not sure why they let me continue to use it in  XXXX  when they were aware of this Breach.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are a few marks on my credit reporting that I do not recognize.I realized that someone is using my credit without my knowledge. When i realized this, i started to do research on how to resolve identity theft. I was advised to contact the credit bureaus and to ask them to remove the fraud information that is reporting. This is exactly what i did. I contacted equifax, XXXX and XXXX and asked them to please remove the fraud and unauthorized marks from my credit report. However they have not been helping me. I was told that the account and inquiries would be placed under dispute, but they never did. I was also told that the information would be removed from my credit report, but it never did. 

XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Credit Card Account Number:XXXX Equifax XXXX Credit Card Account Number:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do not have any knowledge of nor was consent given for the inquire. My identity was compromised I want the inquires removed from all XXXX of the credit reporting bureaus. called the companies several times to correct the matter but no action was taken. I even submitted documentation a identity theft affidavit to the credit reporting bureaus and yet the inquires are still reflecting Brclysbankde Inquiry from XXXX XXXX, XXXX ( XXXX ) XXXX Bank XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX Bank XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX Bank XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX Bk Of XXXX XXXX from XXXX XXXX, XXXX ( XXXX ) XXXX

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 06-09-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Nothing in my complaint was addressed by Equifax, Merchants, and XXXX Merchants and XXXX must give me copies of the contracts between Merchants and XXXX, and between XXXX and XXXX. I do not take their word that they own the contracts. They must show proof by giving me a copy of the contracts. XXXX I totally disagree with any and all amounts shown. They must provide me with the contract between XXXX XXXX and XXXX Insurance, and the contract between XXXX and XXXX for each and every item on my credit report. I do not take the word of XXXX XXXX and XXXX for the contract amounts. I have NOT been given any legal proof that I owe these companies and these amounts. Any company can make up any dollar figure they want. This issue has not been addressed at all. This appears to be a complete farce on behalf of these companies, and Equifax requires no legal proof to add whatever the companies tell them to add, which is also a complete farce. Thank you for your assistance with this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NH).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Nationstar. The company has XXXX my ability to make online payments- for no reason. I am currently working overseas, the inability to make an online payments seriously jeopardizes my ability to pay on time or at all. The payment terms of my mortgage also changed when they took it over from XXXX XXXX XXXX. They began charging me service fees to pay online, have been constantly showing me with an additional fees owed which can never be paid through the online option and have not been accounted for during the annual mortgage evaluation and adjustment of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose prepaid card) with WEBSTER BANK, NATIONAL ASSOCIATION (MA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I opened up a new account at Webster Bank and met the requirements to receive a XXXX prepaid XXXX debit card. I received the debit card in the mail but did not notice that it was valid for only 90 days and would expire at the end of XX/XX/2016. The card does have " good thru XX/XX/16 '' printed on it but I did n't notice that. I 'm not used to gift cards that expire that quickly. The paper that came with the card, which I will attach to this complaint, explains that the card needs to be activated but does not say anything about the card expiring, and then having no funds. Even the back side only states, " PLEASE use before valid thru date imprinted on the card. '' I think it 's unfair that the consequence of not using the card by XX/XX/XXXX was n't made clear on the paperwork that came with the card. If that had been clearly stated on the letter I would have known that I had to use the card within the 90 days or loose all the funds. 

I went into the Webster Bank at XXXX XXXX XXXX in XXXX several weeks ago. The manager was going to check about getting the card replaced. I never heard anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have XXXX accounts that are reporting incorrectly nj federal court account # XXXX this is reporting incorrectly XXXX account # XXXX this is reporting incorrectly nissan infinity account # XXXX this is reporting incorrectly all XXXX accounts are reporting incorrect data and need to be corrected

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (I do not know) with Filings and Claims Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The collector keeps calling my cell, my job, and my family. Claiming they are going to serve me papers at my home or place of employment. They are making threats and using different names. The call to my job was from XXXX XXXX Services, To my family they are identified at Fling Firm but from the same number

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (PR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : Incorrect Name : XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Address : XXXX, PR XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 


XXXX I would like you to check the date of last activity, date of opening and date of last status because they do not match my records. Please remove this account for it 's errors. 

XXXX I am disputing this account in its entirety because I feel that it is a violation of the Fair Credit Reporting Act. Please check with the furnisher of this account and make sure it is 100 % accurate and verifiable and delete it from my credit report. 

XXXX Please check out date of opening and date of last activity because this does not coincide with my records. Please delete this account for it 's errors. 

XXXX Please check out account name, number, type, terms and payment amount I do n't think it 's 100 % correct. Please remove this account for violating the Fair Credit Reporting Act. 

XXXX The following items do not seem proper account number, name, type and terms. I do not believe it is on track and this account needs to be removed from my report for it 's mistakes. 

XXXX Under the FCRA, I request an investigation on account type, name and number it does not match my documents. Please abolish this account for it 's errors.

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse. 

I NEVER had an account with this company.

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 09-02-2016 about Debt collection (Auto) with NISSAN MOTOR ACCEPTANCE CORPORATION (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am XXXX and Nissan motors acceptance cooperation has been accusing me of not making payments even though I have been paying above the minimum amount since I got the car. On top of that, they keep adding on these " late '' fees even though I 'm paying them on time. They have been blowing my phone up every single day for months now. At least 2-4 times a day. It does n't matter if I answer or do n't because they say the same thing. I keep blocking their number but they just keep calling me from different numbers. I told them many times that they are wrong about me owing them money. I told them they are harassing me and to remove me from their calling list but they just became more disrespectful towards me, making more threats, and calling me more everyday for no reason but just to harass me. These guys are crooks and I 'm tired of them treating people like this. It 's like they think I 'm rolling around in money but really I 'm barely making it by paycheck to paycheck. On top of all that these guys are ruining my credit. I went from having great credit to very poor credit because of these people accusing me of something that 's completely false. They 're are ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. 38 hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX x4 XXXX XXXX x4 XXXX XXXX XXXX x2 XXXX XXXX XXXX x2 XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX x6 XXXX XXXX x2 XXXX XXXX XXXX XXXX x3 XXXX XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX x2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Bankruptcy

Complaint: Dear Sir/Madam, We are XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX charged our XXXX XXXX credit card XXXX amounts of {$1400.00}, altogether was {$2800.00} without our consent. The story was : On XXXX XXXX, 2015, We used our XXXX XXXX credit card booked and paid for XXXX round trip tickets from XXXX to XXXX for {$1000.00} each through XXXX. 
The round trip ticket shows, we fly with XXXX from XXXX to XXXX and fly back by XXXX XXXX. 
On XXXX/XXXX/2015, We boarded and flied with XXXX was fine. The return trip on XXXX/XXXX/2015 with XXXX XXXX which check-in and boarding was smoothly, they DID NOT said any thing wrong with our tickets. until we checked our XXXX credit card statement. We found out XXXX UNAUTHORIZED charges of of {$1400.00} each, altogether is {$2800.00} by XXXX on the date we flew back from XXXX to XXXX on XXXX/XXXX/2015. These return trips were included in our PAID round-trip tickets. Why they charged us again for the trip we already paid for. 
First We called XXXX XXXX to complain about XXXX unauthorized charges, they said we need to contact XXXX XXXX to solve these problems, which We did. 
After weeks of complain with XXXX XXXX, on XXXX XXXX, 2015, they only credited us XXXX of {$530.00} XXXX Refunded XXXX money of round trip ticket? XXXX. We think the XXXX credits of {$530.00} were NOT the right amounts which XXXX unauthorized XXXX charge of {$1400.00} each, still {$1800.00} short. 
On XXXX XXXX, 2015, We sent registered mail to XXXX XXXX to complaint about their credits to us were NOT right amounts, but they replied " Was unable to obtain credit to our account ''. These were really unfair practice of Bank of America to their customers. PLEASE help us to get back our hard working and saving money back. 
Thanks for your reading time and helps. 

Sincerely. 

XXXX XXXX and XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2017 about Money transfer, virtual currency, or money service (Money order) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with customer service

Complaint: This is in response to chase banks choice to close my case with out compensation. 

I will first reiterate that a local branch notice and showed me that the second money order was fake and voided it out so no one could cash it.So how can chase executives lie and say they cant tell if a money order is fake. Also your atms these days are select on what it accepts and can register if bills are fake or not, so how is it that a trusted serves of money order can not be detected. I am no lawyer cant afford one and I now feel pushed aside and lied to for a second time because they know so by going over my account information and then deciding to treat me like trash and sweeping me under the rug. I dont know your articles of law. All I know is i was shown by one of Chase branch workers that the money order was fake ( wich executives say they cant do ) and was shown how to tell when a money order fake ( wich executives say they cant do ). 
So What the point of stating legal chapters if they just lied to me and dont follow there own stipulations? I have kept names to myself. In hopes they treated me like they customer I thought I was at the branch. But soon as I get handed over to executives Im treated as if Im a bum holding a card board sign. 

P.s. again why lie about the help I already recieved in destiguising how to tell if a money order is fake? And why does a local branch offer more help than the executives?

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have had several issues with Navinet. I could not afford my payments they sent it to collections without informing me. It went on my credit and is still on my credit saying I 'm am not current and I am because if I did not set up monthly payment plan they would take me to court did not ask me to provide any financial information all they wanted was my bank account information. They get their money every month automatically while I could use that money to provide food for my kids. Customer service is a joke there they do n't listen or care to know what is going on. All they want is money every month. I have been trying for almost two years to improve my credit but ca n't because of how they have it listed on my credit. I receive a monthly statement from them and even though I pay monthly it is still has not decreased like it should. Its frustrating knowing I pay monthly and not get any where because of how they apply my payments. The very sad part was I did n't even know I had a loan until 3 years ago. I enrolled to a collage online. I never received any money. Or infrormation about it at all to help pay for my classes. The collage took it all and I had to drop out because I simply could not afford it. The collage wanted me to take a loan out and I said no. The next thing I knew I received a letter saying I owe money

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Other fee

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX Re : Capital One-Committing Fraud I owe Capital One {$170.00}. I asked Capital One to close account because I do n't Trust Them. They keep adding Bogus Charges to make Balance Higher. 

I want this matter resolved by me paying them what is Actually owed of {$170.00}. Account Closed with No Balance Owed after paying {$170.00}. 

Waiting for your reply, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Credit decision / Underwriting

Complaint: I was a co-borrower in a housing loan with my former wife. When I divorced my wife, the loan with OCWEN was modified but the modified loan still shows that I am a co-borrower. I did not give my consent, verbally or in writing or thru an Special Power of Attorney, that I would still be a party to the loan modification. My credit report shows that I have an outstanding home loan with OCWEN/LITTON. I did NOT sign any loan modification documents at all. I have asked copies of the loan documentation from OCWEN/LITTON but they have refused my request.

Company response to consumer: Closed with explanation