milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Ally Financial, specifically a person named XXXX at XXXX at extension XXXX is repeatedly call my number, my wife, friends, family and people I barely know telling them to call him and then have me call them. He even called a friend of my wife the day before our wedding on XX/XX/2017 that she needed to call him and have me call him before our wedding because there are serious issues going on. I am behind on payments due to my divorce and having to leave my job due to a dispute with my employer over funds they owe me. I am trying to get back on my feet but this is now clearly harassment.

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 02-02-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Negotiator advised several weeks ago that the variance on the value was still pending. After multiple attempts to contact the negotiator, we have not received any communications back. We have even reached out to HUD ourselves but still have no response to the status of the file and what is causing the delay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent letters to  XXXX  to remove inquiries that I did not approve I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done which violates my rights as a consumer. I reached out to them several times to advise that my credit is being pulled ithout my permission and they advised me they couldnt remove them along with the incorrect names and addresses.

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 08/24/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get my mortgage caught up since XXXX when I called Chase Mortgage to ask for a letter stating that my home was close to foreclosure so that I could take money from my XXXX to catch my payments up. They sent me that letter and I applied for the money and received it on XXXX XXXX, 2015. At that time I called Chase to make the payment and was told that they would have to send me a reinstatement notice which I never received and I just found out today that they sent it to a foreclosure attorney irney instead. I called the attorney ( XXXX and XXXX XXXX ) and was told they would have to order a reinstatement. In the mean time I received a notice from Chase giving me the amount that I would need to pay in full and it stated that I would need to send certified funds but it did not give me a specific address to send it to. I called Chase back at the number that was provided me to call when I received the notice ( XXXX ) Ispoke with XXXX XXXX who told me that I would need to call the attorney for that address. I called the attorney and XXXX told me that they had not received any information from Chase as of yet and if Chase had sent me this notice of amount due then they would need to provide me with an address to send it to. I called Chase back and I have since spoken with XXXX more people, XXXX of which was giving me an address to send it to when we were disconnected. I called back and of course I could not get back to that person so I had to go thru the same spill with XXXX other people who then again tell me that I will have to deal with the attorney. So at this point I have a bank that will not take my money and a foreclosure attorney who does n't know anything. I finally got to a lady ( XXXX XXXX ) at Chase who called the attorneys office herself and she was told that they do indeed have the paperwork and it will be completed in XXXX hours. Why is it such a problem for people to tell me exactly what I need to do to get this taken care of and why was I told that Chase would do XXXX thing and then they do another. I have spoken with XXXX people today just to get to XXXX XXXX who maybe is telling me facts. I made my first call at XXXX today and I just got off the phone at XXXX. I am concerned because now not only do I have to pay the late payments but I will be charged attorneys fees which I would not be paying if Chase had done what they told me they were going to do. I realize this is my fault that I am in this situation but I am trying desperately to correct it. I was told today repeatedly that the reinstatement notice was sent to me when in fact it was sent to the attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Checking or savings account (Checking account) with KEYCORP (CT).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: I opened a checking and saving money market account in Key Bank on XXXX and immediately I started haven my name mess up and look like I am a liar even to church facilities were I gave my checks knowing that I had more than enough in my account to covered them. I am very upset with this branch messing with my money and name since I started banking with them. I have tried everything to tried to get this resolved but no help. I have unauthorized transfers that I have been telling Key Bank about an nothing but a nasty and negative response from them after they mess my name up .I got things still coming out of collections due to a game that someone had from Key Bank in my accounts. My funds just started disappearing out of my accounts. I am going to request again my money to be given back to me from this bank. I had made them fully aware and I am going to do it again today in this complaint. I want all the unauthorized transfers to be credit back into my accounts and then a check to be mail to me not deposit back into my accounts. I want my XXXX that was in my account on XXXX XXXX to be mailed to me. I have stated that money I didnt withdrawal out of my accounts someone else from the branch in XXXX Ct that wasnt XXXX XXXX took access of my funds and I want my money back just the same way I had it in my account.I am sick of the fix paperwork to make my account look like I dont have any money in them when I do. This is wrong how many requests does it going to take to get your own money back.It would be nice to see real paperwork fabricated with the correct information like the one I hold that I got from the main office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/22/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have received correspondence from this company both by mail and by phone call. They claim too be collecting for XXXX XXXX for a credit account opened XX/XX/XXXX and last paid XX/XX/XXXX. I told them I have no recollection of that account and even if I did, that was over 14 years ago and I 'm sure the statute of limitations has expired twice in which to collect on said account. I have asked them on the phone to cease and desist and I have returned their collection letter asking them to cease and desist. I was told today by XXXX that the only way they cease and desist is if I were to go into there office personally and sign a cease and desist form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/25/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NE).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: While I was being assured that my student loans were in forbearance two of them went into default. In talking to a Nelnet ( formerly XXXX ) employee I learned how this would happen. 

I 'm told that my student loan could 've been handled at any one of three XXXX locations. When an individual asks for a deferment or forbearance, it is the servicer 's responsibility to " capture '' all of their federal student loans, from all of those locations. 

I was getting letters saying my loans were going to go into default. I called XXXX more than once and was told not to worry my loans were in forbearance and I would soon stop getting the letters. 

That was in the late 1980 's and the debt is huge now and the rest of my student loans are current and I believe they have been for at least 10 years. I work for XXXX XXXX and want to take advantage of the Public Service Worker program. I do n't have much as far as records. Their own records should support this.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TrueAccord Corp. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm receiving weekly emails from a collection agency called True Accord for some bogus charge due to supposed damage to a rental car that I had rented via a company called XXXX ( formally XXXX ). When I returned the car, the owner said I caused damage to the very underside of the front bumper and he was going to file a claim against me for {$800.00}. There is no way I caused any damage to that vehicle and I am not responsible for any damage to the underneath of a car that was not seen during the initial inspection when the car was picked up. My insurance company reviewed the claim and denied it due to no proof that the damage was caused by me. However, this company XXXX continued to demand I pay the {$800.00} damages and a {$150.00} " processing fee ''. They have now turned me into a collection agency, True Accord who are emailing me weekly trying to collect on this amount. This company XXXX, has a class action lawsuit filed against them because they 're " processing fee '' is an incentive to file damage complaints against renters. I am in no way guilty of causing this damage and before they report this on my credit report I would like to get this issue resolved.

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 07/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I was in an open bankruptcy and my mortgage company foreclosed on my property and they did not notify my husband that our property was being foreclosed on. I applied for a loan modification and it was denied. I owe more than my property value and they just want to take my house.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: CITI BANK CONTINUES TO STILL REPEATEDLY CALL ME ALL THROUGH THE DAY USING DIFFRENT PHONE NUMBERS A CERTIFIED LETTER WAS MAIL ON XXXX ( XXXX XXXX XXXX NUMBER XXXX XXXX XXXX XXXX XXXX WAS DELIVERED ON XXXX AT XXXX THE RETURN RECEIPT HAS NOT BEEN DELIVERED BACK TO ME YET. 
THESE ARE THE NUMBERS AND DATES AND TIME XXXX HAS CALLED. 


XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX IS AWARE OF THE CERTIFIED LETTER THAT ANY CORRESPONDENCE SHOULD BE IN WRITTING.

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 10/23/2015 about Debt collection (I do not know) with Focus Holding Company (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Focus Receivables keeps calling me and my wife. We owe nobody and I will not give Focus Receivable one dime, even if I did.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: Bank of America has charged me in excess of {$2500.00} in NSF fees in the past 12 months. Recently, they charged me {$170.00} in under 48 hours before my direct deposit came through and paid the balance well into the positive. I have filed XXXX complaints, spoke with corporate and they refuse to give back my the money they took. This new form of payday lending is outrageous. For under {$100.00} in overdraft I paid back the {$100.00} plus {$170.00}. They know that most overdrafts are under {$25.00} yet they will charge you {$35.00} four times in one day like they did to me from XXXX/XXXX/16 to my payday XXXX/XXXX/16. I waited on hold for over an hour. I asked to speak with a supervisor, again on hold. The game is to see if they can get you to give up because they know from your direct deposit that you must be at work and that 99 % of people ca n't spend an hour at work on the phone with them. 
It is high time that NSF fees be looked at as percentage of overdraft instead of a flat fee. A 48 hour loan of {$100.00} should not cost {$270.00}!!!!! Stop allowing the loan sharking!!! The only person who benefits from NSF fees are middle management and up. They do this to millions of people a year!!!! Do the math on XXXX XXXX people charged {$2000.00} per year in fees - it is crazy!!!!

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 07-06-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, is trying to collect a debt I have disputed as not mine. They sent me after I disputed the charge for {$220.00} and it appeared a charge on my account that was a result of some sort of Identify theft or a charge that is fraud. 

XXXX sent me a copy of my XXXX XXXX statement and it did not document the actual charge or merchandise that they supposed I did charge. I believe if it is my mine, which I do not believe since they have unable to send me any XXXX XXXX charge slips that show my signature for this disputed charge, even though I have requested in writing XXXX times for this documentation. 

XXXX is calling my home up to XXXX times day, even though I have disputed this charge. This is in violation of both Federal and State statues which prevent harassment from these types of tactics. 

I would like XXXX to provide me with the actual charge slip that backups the supposed charge that I owe or discontinue the collection of this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Debt collection (Other debt) with ERC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX, I contacted XXXX about a closed account from XX/XX/XXXX. XXXX had sent a collection to a collection agency, ERC, totaling {$200.00} without sending me any notification of the amount owed. After being shuffled around on their telephone help line four nearly an hour, I was finally able to talk to one of the associates who described the charge as a " early termination fee ''. This fee was assessed to my account after it had been closed, and the associate verified that the charge was inaccurate and that the account should be balanced after removing he credited my account the amount owed ( the confirmation number for this is # XXXX ). After I had received the confirmation number, I filed a dispute with the three credit unions, and all but XXXX were able to verify that the collection was not valid. I do have the file number for the XXXX dispute claim in which they conducted an investigation and found the claim to be valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX The company got this debt from XXXX. I asked a for copy of the original bill from XXXX and was told that I would recieve it in 6-7 weeks because it was in a storage warehouse somewhere. That was XXXX XXXX XXXX and today is XXXX XXXX XXXX and I called to ask why I never recieved anything. I was told that it was sent to the wrong address, however she had my current address and saw notes from the XXXX XXXX conversation when I confirmed that they had the correct address. XXXX this debt is from XXXX from an account that the time I disconnected due to moving. I gave XXXX a forwarding address to send a box for me to send back the equipment however I never recieved that box until XXXX of XXXX. I sent back the equipment and recieved XXXX refund checks for overpayment. And in a statement I recieved from XXXX on XXXX XXXX XXXX I recieved a " Revised Final Bill '' and amount due was {$.00}. That same statement shows XXXX of the refunds. So this debt they 're trying to collect which XXXX itself told me didnt exist was already taken care of before being reported to the current collection agency. This account charged off in XXXX and was reopened in XXXX. My credit score has severely suffered and affected my ability to buy a home and recieve a good interest rate on anything else. I have original document from XXXX and even have the original order number show what services I ordered. The only excuse the collector gave me is saying that I had XXXX accounts with XXXX indicating that i had separate services when my original purchase order and ALL documentation I have shows " XXXX Triple Play '' and only XXXX account number which does n't match the XXXX on the collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My father passed away on XXXX XXXX, 2016. He was a cosigner on my private student loans that paid for my XXXX studies at XXXX University in XXXX. Navient called his number because I was approximately one week late on making the payment in XX/XX/XXXX following his passing. I answered the call and informed them of his death. I made the payment over the phone and I was told to send in his death certificate to release him as a cosigner. On XX/XX/2016 I received an E-Correspondence from Navient stating that : " Your cosigned private loan has been referred to XXXX XXXX , XXXX, to resolve the outstanding balance. They may attempt to contact the executor of the cosigner 's estate. If you provide a new, credit-worthy cosigner for your loan, we can recall the account from XXXX XXXX. If you do n't name a new cosigner ... XXXX XXXX XXXX attempt to locate the executor to discuss the status of the estate and the procedures for filing a claim with the probate court where the estate will be settled. The promissory note you signed provides that the loan may be declared in default and due in full if any borrower or cosigner passes away ; however, we wo n't declare the loan in default as long as you continue to make regular, monthly payments. '' I 'd thought my father would be released from the loans, especially since my loans are in good standing and I fully intend to continue making monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened my account with Bank of America onXX/XX/XXXX -- entirely because of a promotion that was being offered ( I would never have opened a bank account with BofA otherwise, given the company 's horrible record of treating consumers, especially minorities, badly ). The promotion advertised that the account holder would receive {$300.00} if, within the first 90 days of opening the account, over {$4000.00} of direct deposits were made. I adhered to the terms of the promotion, with XXXX XXXX my employer ) directly depositing {$2600.00} on XX/XX/XXXX and {$2600.00} on XX/XX/XXXX, for a total of {$5300.00}, within XXXX days of opening the account ( well over the {$4000.00} required ). I contacted the bank on multiple occasions, and every time I spoke to a representative he or she never mentioned that there was a problem, only that the maximum amount of time BofA had to deposit the {$300.00} was 180 days ( though I do not believe this is actually the case, either ). I waited the XXXX days and went into a local branch at XXXX XXXX XXXX in XXXX XXXX, CA XXXX, onXX/XX/XXXXand spoke with a representative, XXXX XXXX, who told me that Bank of America had incorrectly ( he agreed it was the bank 's fault ) identified the direct deposits as transfers and had thus decided to not reward me with the {$300.00}. I am highly skeptical that this was a 'mistake ' and believe, rather, that this is systemic abuse of consumers. 

Note : I have attached communication from Executive Advocate XXXX XXXX. Since receiving his communication, I attempted to call him multiple times and never heard back from him. It is almost impossible to get in touch with anyone at Bank of America who can do anything about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contatced XXXX XXXX a total of 15 times either by phone or mail since XX/XX/XXXX when the first XXXX XXXX  account was open then in XX/XX/XXXX another XXXX XXXX account was opened. I have made numerous attempts to get this cleared up and removed from my Equifax credit report. Neither Equifax or XXXX has tried to assist me or tell me what I need to do on my end to get this resolved. I keep receiving letters from DISCOVER staing they will not review. I feel like I am being singled out by a company that I have never dealt with my identity was stolen in XX/XX/XXXX. I have sent them a copy of my police report that didn't make a difference either.

Company response to consumer: Closed with explanation