milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted on XXXX by Ally Financia and at that time I had spoken to a rep claiming that he is trying to secure payment for an auto loan and I immediately responded to him saying you have the wrong person and you all have been calling the wrong number for over a week. The rep apologized and assured me that my cell number would be removed from their dialer system in XXXX. On. XXXX I received yet another call from their company and by this time it is early morning. Prior to me phoning them I had 4 missed calls from them. I spoke with XXXX and asked for his supervisor and he then acknowledged that the only person he could transfer me to is in executive customer relations where I spoke to XXXX. I explained the issue to XXXX and I repeated to him that I demand to have to stop calling my number that this is a cease and desist. His comment is that they will remove my number as soon as I pay the bill. In my efforts I have gone as far to google their corporate off number, which are out of service or no answer. I 'm at my wits end and sick and tired of the constant 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 12/19/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: My mother, XXXX XXXX, XXXX XXXX in XXXX of 2017. She had a checking account with XXXX XXXX. I was registered as co-Trustee on the account as I also had Power of Attorney priviledges. After my mother XXXX XXXX I kept the account open for a few months as she had automatic deposits and withdrawals scheduled into the account and I wanted to get a better handle on those before closing the account transferring the balance to an Estate Checking Account, which I did in XXXX. My mother only got online statements, so I was unable to get statements after she XXXX. In addition, I was unable to set up online account access for myself since TCF was undergoing a system conversion to its online banking system right after my mother 's XXXX. 

I was recently reconciling all of the accounts in order to list all of the expenses of the estate. I noticed TCF charged a {$9.00} maintenance fee on XX/XX/XXXX to my mother 's checking account ( which was closed in early XXXX ). Since I did not get statements or have online access, I was n't aware of this charge. I asked what it was for and that it be reversed. The bank has been unable to tell me why the fee was assessed, even after 4 requests. In my opinion, the bank has an obligation to at least inform me why a fee was charged and do so without reasonable hassle. This has been a considerable hassle and I 'm disappointed it requires a complaint to a regulator to get a call to action. In addition, TCF has been unwilling to consider refunding the fee as they note the account has been closed. It has, but I was n't aware of this fee. The key reason I was n't aware of the fee is that they were n't able to set me up with online access when I took over the checking account because they were doing a system conversion which at the time prevented me from enrolling in online banking. Therefore they need to take some ownership in the circumstances, and they have n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (OR).
Issue: Struggling to pay mortgage

Complaint: On XXXX XXXX 2017 a Short sale Offer and application was submitted to Chase Home Mortgage for the property at XXXX XXXX XXXX XXXX, XXXX, OR XXXX through the Equator system and it was received in that system. The Borrower for this property, XXXX XXXX, and I have continued to work with Chase Home Mortgage on the Short Sale offer since then. I have included the Equator pages showing the messages and requests back and forth between the file processor, XXXX XXXX, and me. All Purchase Agreement documents were submitted and received by Chase Home Mortgage by XXXX XXXX 2017. The completed application had been submitted previously and was accepted as complete by Chase Home Mortgage prior to XX/XX/2017. As a result of having received a completed application for the Foreclosure Avoidance option selected by the Borrower, a short sale, any foreclosure process should have been halted per Dodd Frank regulations regarding the process known as " dual tracking ''. This process is also not permitted under State of Oregon regulations as well and a complaint has been filed by me with the State of Oregon Department of Justice. The Borrower received, on XX/XX/2017, by legal process server, a notification of a pending foreclosure sale date. That notice is included in the documents I am providing to accompany this complaint. The sale date is now set for XX/XX/2017.
It is apparent from the document trail and messaging trail I have provided that Chase Home Mortgage is guilty of " dual tracking '' and is in violation of the Dodd Frank Wall Street Reform and Consumer Protection Act.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On my credit report, it shows that I am current with 1 missed 30 day late for XXXX XXXX. I have never been late and have received a call and a letter from XXXX XXXX apologizing, but yet it is still on my credit report. Even though they promised to remove it.

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 08/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I was on a cruise from XX/XX/XXXX-XX/XX/XXXX I tried to use my chase debit card onXX/XX/XXXX to pay my bill on the cruise they blocked it for fraud I had to call them it took 3 different calls which my cellular company charged me {$53.00} to make the calls I called chase and explained to them that it was not fair that they blocked my transaction the manager XXXX I spoke to brushed me off and tried to transfer me to fraud which they would not be able to help me as well put me on hold for more than 5 minutes. I the filed a complaint on the website and they also were not willing to help me.it is unfair when an institution holds your money when you need it and claims fraud. I had to call 3 times on international waters for someone to help me

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my loan 3 years ago. I have never received a statement during this time frame and thought I could only make my mortgage payments on line. Each time I made a payment I was charged an extra fee of {$5.00} to {$10.00} each transaction. There is no where on the web site advising me of my right to mail in a payment and not have to pay the extra fee. I have been trying to reach customer service for a mailing address and so far have been on hold for over 2 hours and it is XXXX. ( open till XXXX per web page )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Payday loan, title loan, or personal loan (Payday loan) with Activehours (GA).
Issue: Received a loan you didn't apply for

Complaint: I 've been using the app Activehours for payday loans, never given me problems til now. You can only get {$100.00} a day and my max for my pay period is {$450.00}. I have a bank statement showing that they deposited {$300.00} in my account in one day which is impossible because you can get {$100.00} a day and I did n't ask for the loan nor did I even use it and they are going to take almost {$500.00} out my account for something that I did n't ask for. I sent them an email still waiting on a response

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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I just completed a chapter  XXXX  bankruptcy that included the   XXXX   XXXX   XXXX  home loan. the house was surrendered and the loan included in the chapter  XXXX  with the successful completion of the chapter  XXXX  the loan must now show  XXXX  balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter  XXXX  the   XXXX   XXXX   XXXX  home loans should now read closed.   XXXX   balance.

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 01-05-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX XXXX assured me on XXXX/XXXX/2015, and various other times that a request to delete the collection on my credit report was sent on XXXX/XXXX/15. I was advised to initiate disputes with the credit reporting agencies, which I did. I received a letter today from Equifax stating that the collection item was verified on XXXX/XXXX/2015, and the collection still remains on my credit report. I called XXXX XXXX again, XXXX XXXX ID : XXXX, advised me to call all three agencies to alert them that the deletion request had been sent on XXXX/XXXX/15 through XXXX, and that they could personally call him at him extension to verify the info. I did as he instructed, yet each of the credit bureaus assured me that they had not received the request. Each instructed me to do different things, Equifax instructed me to alert XXXX XXXX that they need to contact their business office ; XXXX assured me that they will contact XXXX XXXX to verify the request for deletion ; XXXX initiated a dispute that would take up to 30 days, saying that the only way to expedite the investigation would be to get XXXX XXXX to issue me a letter stating that the request was sent in for the deletion of the collection ( a letter that I previously requested from XXXX XXXX when I called XX/XX/XXXX ). I spoke to XXXX XXXX at XXXX XXXX, and XXXX XXXX ( XXXX supervisors who I discussed my account with previously ). XXXX stated that XXXX had been preparing a new deletion request to be sent through XXXX today. XXXX, however, did not mention that fact to me, but offered to send me a letter stating that a request for deletion was indeed sent. 
When I initially received a call from XXXX XXXX, I alerted them that I had made a partial payment to the energy company, and agreed to pay the balance in full that same day. They were supposed to debit my checking account for the balance, once they confirmed my partial payment with the energy company. I was assured that the collection activity will not be reported or appear on my credit report because I was paying off the amount within 30 days of them receiving the account. Because I authorized an amount that was {$.00} more than I owed, XXXX XXXX did not debit my account, nor did anyone call me to alert me of the problem. They sent the collection to the credit bureaus, then called me to get authorization to debit the lessor amount from my checking account. This collection has lowered my credit score by almost XXXX points, and it 's affecting my ability to get an approval to close on the purchase of my new home in a week. I 've been getting misleading information from every party involved, yet the collection remains on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I reached out to Pro Collect regarding a collection matter from an former apartment agency. I first never received the bill to tell me the amount. I was altered of the bill when I checked my credit report. I contacted the company agent and supervisor are rude and threatening. Did not negotiate the correct amount and attempting to overcharge the amount than what is actually owed. I was charged a reletting fee when I did not request a move out, I was asked to move out by apartment complex. As well Threatening behaviors by agents and supervisor.

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 06/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying this loan minus certain forbearance and deferments for 11 years ( XXXX ). On multiple occasions I have asked them to remove my cosigner and make me a sole borrower to which they have refused. To unfortunate circumstances in XXXX I became very sick having to start the XXXX filings, by XXXX I had to file for bankruptcy. Even though both the bankruptcy and XXXX dissolved the loan Navient has refused to remove it from my credit report with the only exception being they transfer the loan to my cosigner, who has attempted to get removed for several years from the loan, even before any of these events. Both the cosigner and I never receive mail correspondence in regards to any activity of this account including the bankruptcy and XXXX and have contacted Navient many times. XXXX other student loans also agreed to my qualifying to XXXX including Navient, but Navient is the only one that is not truly closing the loan. My cosigner no I have yet to be informed that they are trying to again push the loan or the status of my XXXX application, I have found this information myself online.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Nissan Motors Acceptance Company ( NMAC ) Loan  #  XXXX .   XXXX  I have requested that this company report all my loan payoffs, as well as the payment in full for the vehicle to all  XXXX  credit bureaus, which they have refused to do.   XXXX  They stated the law prevents them from reporting the full payment history as I listed the loan in my bankruptcy. They stated even though I am willing to give them written permission to report the payments they are forbidden from reporting the payments.   XXXX  My mortgage company, who was also listed in the bankruptcy, is reporting my payments after I gave them written permission, and I find it quite difficult to believe there is a different law for automobile loans.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (I do not know) with AFNI INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/2016 I received by postal mail from an organization called AFNI and demand that I pay {$160.00}. The demand said vaguely that the obligation stemmed from " XXXX, formerly XXXX '' but lacked any other documentation, evidence or proof. I responded with a letter, sent certified mail, on XXXX/XXXX/2016 saying I had no knowledge of any such debt, and demanded documentary evidence. The Post Office advises my letter was delivered on XXXX/XXXX/2016. As of this date, XXXX/XXXX/2016, I have received none of the requested information, or any other communication, from AFNI. We have followed up with a second letter to AFNI, noting no response to our first.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NY).
Issue: Confusing or missing disclosures

Complaint: An XXXX buyer filed a fraudulent claim onXX/XX/XXXXseeking a refund with XXXX, alleging a " defective item, '' but XXXX denied his claim, finding in my favor. The buyer then apparently filed a chargeback with his credit card company ( via PayPal ) onXX/XX/XXXX and claimed it was a recurring unauthorized transaction. I assume he did this in order to deny me Seller Protection. 

OnXX/XX/XXXX, PayPal contacted me to tell me that the disputed amount of {$76.00} was debited from my PayPal account because of the following reason ( s ) : " This chargeback type was not covered under Seller Protection. '' I was also notified that " [ i ] n addition, you have been debited a {$20.00} USD chargeback fee. '' I had responded to the buyer 's PayPal claim with proof that this was an XXXX transaction and not an authorized recurring payment, including proof of his rejected XXXX claim for a refund. However, PayPal already knew that this was an XXXX transaction processed through their system, along with postage purchased through PayPal and a tracking number listed on PayPal. 

The buyer has fraudulent intentions and is manipulating the Seller Protection policies of PayPal. In addition, he still has the item he purchased in his possession. 
PayPal is aware of this and is denying me Seller Protection based on the language above, which is completely unethical and illegal. They are supporting the abuse of their Seller Protection policies and denying me my actual Seller Protection rights with full knowledge that I am entitled to such rights. 

In my case, PayPal has clear and convincing evidence ( even before I responded with my own proof ) that this is a transaction covered by Seller Protection, but they are using the buyer 's false chargeback reason to deny it to me. I have contacted PayPal management by phone and was told I can sue the buyer in small claims court ( in another state ) to try to recover the funds when I ultimately lose the case!

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is for Trans UnionPlease note case number XXXX on file for XXXXDear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due. I am requesting that the credit bureaus delete the information or correct it. Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible. Sincerely, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: These items XXXX XXXX Bank is reporting are inaccurate. Report states last payment was XXXX XXXX, but it was in XXXX. They report major delinquency was first reported in XXXX, but it was XXXX. Also amount owing wrong. They say {$390.00}, but account nearly paid off. I requested from them proof of the information they are reporting under the Fair Debt Collection and they never responded.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was allowed to be stolen from equifax. ALL OF MY INFORMATION! My name, address, social security #, date of birth, credit cards EVERYTHING! I have confirmed this on THEIR WEBSITE! I am angry beyond belief!

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an inaccurate late payment on my credit report as a result of fraud charges on my credit card, I have never been late on payments however it is reporting on the credit report. I contacted XXXX fraud dept and they said they are not reporting the late payments and to dispute it with the credit bureaus, I have done that for the past year and nothing has changed. 


XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA Credit limit or original amount {$500.00} High balance {$6100.00} Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees. 
Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/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 04-09-2018 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Experian is sideing with a XXXX XXXX XXXX. And another company to charge an amount it's not the right one or a contract that I was never in. I made a complaint about 3 companies that are taking advantage of me in the original complaint I ask for signed contracts but they did provide one the other company is claiming that I owe money for a different amount but again there aren't any prove of annual contracts or any other papers there is a claimed for emergency services of the local hospital but I have two insurance that takes care about any medical balance but again experian is sideing with this company but there provide any papers signed I believe thi is fraud helped by experian

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