milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2017 about Checking or savings account (Savings account) with ALLY FINANCIAL INC. (AZ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX   XXXX   XXXX  posted a check for {$1800.00} to  Ally  Bank last week via express mail and it has still not been received by the Bank.   
The 1st check was returned and   I need this matter resolved.

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 05-05-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Deposits and withdrawals

Complaint: Bank of America placed limitations on my account. Refused to settle terms under the Mines and Minerals Act as the XXXX intermediary for XXXX. I have sent a International wire transfer to ; XXXX : XXXX, Bank of America N.A.,XXXX XXXX, XXXX XXXX NY XXXX. Account number XXXX ; XXXX number: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 12-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CO).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: SYNCHRONY BANK XXXX. XXXX, XXXX, XXXX fraudulently opened a new credit card account without our consent, authorization, or permission. 
New cards were sent to us on XXXX XXXX which we destroyed and did not activate. Synchrony accepted {$7600.00} in fraudulent charges from a merchant that we did not and could not have provided a valid card number to because we never entered the card number for anything! 
SYNCHRONY apparently was provided confidential private financial information by XXXX XXXX XXXX without our consent or authorization.

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 03-11-2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Macy 's Credit Card issued a card to an old address and debt incurred was not made by me. After getting odd calls asking for me and then they would ask for customer identification info. When we ask to have a contact # back they gave the following XXXX # 's XXXX, XXXX which are neither Macy 's credit card customer helpline. After inquiring which company, they stated they were Macy 's XXXX XXXX collecting on debt. I contacted Macy 's Credit Card at XXXX and cleared the fraudulent charges with their fraud department. Afterwards, the XXXX continue 's to call every morning.

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 04-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is mis reporting the date of last activity to Trans Union for my old LOC. The true date of last activity is XX/XX/XXXX ( showing correctly in XXXX ) however, on Trans Union it is reporting 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 10-03-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I received notification that my home equity line payment was late. I called and spoke to a banker and informed them that I had automatic bill pay which has been in placed for a number of years. The banker told me that for some reason my payment did not get automatically taken out of my account and to avoid late charges did I want to pay over the phone. I indicated that that would be ok. Several hours later my automatic payment went through, as well, causing my checking account to be over drawn.This occurred on a Friday and I was n't informed until Saturday. I was left with no money and had to withdraw from my IRA to cover checks that were being automatically being paid on Monday. I have been informed that the bank will take 10 days to reimburse me my funds which is unacceptable. I want my money put back into my account immediately and refunded any late fees and tax liabilities I am incurring for taking funds out of my IRA. Thank you for your help.

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 04-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone who I do n't know is on my credit report on XXXX with me. He has the same last name and similar address. I just moved in the US three months ago from XXXX. and I have only XXXX credit card. but he has XXXX credit cards that were opened in 2007. so there are XXXX credit cards on credit report. 
I think something wrong with my credit report. 
Please let me know what to do.

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 07/29/2015 about Consumer Loan (Vehicle loan) with CIG FINANCIAL LLC (NC).
Issue: Shopping for a loan or lease

Complaint: THERE ARE INQUIRES ON MY CREDIT REPORT THATS NOT MINE

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Consumer Loan (Installment loan) with Forster & Garbus LLP (NY).
Issue: Managing the loan or lease

Complaint: A company called Forster and Garbus filed paperwork with local courts 2 years ago, getting a default judgement on me, when I told them the loans they are collecting on, for XXXX, were in fact not mine. Worse yet, they refused to show my court documents to the court, never told me of a court date and my answer to their complaint was never given to the court. As a result, they go XXXX default judgements against my name, with a false co-signer and have been garnishing my wages for a year and a half. I want this money returned, I want these garnishments lifted and I want them to re-open these cases at no cost to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (I do not know) with Progressive Financial Services, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Progressive financial has not contacted me in anyway to discuss a collection on my credit report. I have not received any mail or phone calls from this company. I do not have a contract with Progressive financial and they continue to place a negative report on my credit reports.

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 07-02-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Trouble during payment process

Complaint: I purchased a new house on XXXX XXXX, 2016.
The minimum payment is {$1200.00}. This amount does not include escrow, which I cancelled three months ago for reasons I will explain below. Every time I make a payment I add an extra amount ( normally {$3000.00} ) toward the principal. The Ditech website has a specific space where I can type the extra amount ; it is called " Additional Payment ''. However, very month, Ditech redirects the additional payment toward future interest and escrow ( which, as I pointed out, I cancelled because of this ), and gives me permission to skip the next two monthly mortgage payments, and pay interest and escrow two months in advance. I have told Ditech to stop doing this, but the problem persists. All this is causing me a lot of confusion and prevents me for seeing a clear picture of the amortization table. I need two things done : 1. I request that Ditech stops redirecting additional payments toward future interest.
2. I do not want the escrow reinstated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt. My account with two credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.

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 07-03-2017 about Debt collection (Medical debt) with Professional Adjustment Corp. of S.W. FL., Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Professional Adjustment Corp. SW FL Inc is reporting a negative account to XXXX and XXXX that I do not owe them. I have asked them for validation of debt and they responded by sending a bill from XXXX XXXX that does not contain their company name anywhere, does not have my signature, or an original contract. A bill does not count as validation of a debt. Because they have failed to validate the debt I would like this removed from my credit. <P/><P/>Also, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Consumer Loan (Vehicle loan) with DriveTime (AL).
Issue: Managing the loan or lease

Complaint: Prior complaint number is : # XXXX. 
I also am aware their is a harassment lawsuit filed against Drive Time, in which they still are not following suit and are not compliant with. I am also aware of the XXXX XXXX XXXX lawsuit, in which I believe Drive Time should be next for the suit description. I believe they discriminate on many aspects, such as race, age, and income. Are there even set credit tiers? Not to my knowledge. The interest and loan amount paperwork was not given to 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 06/26/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: I submit equity line applications through a branch in Wells Fargo. During the underwriter 's review, I was asked to prove that I have XXXX in liquid assets. I had explained to them that I have equity lines with another bank and can easily pull XXXX in cash, but they insist that I need that amount in cash. So they declined my applications. And I talked with another branch of Wells Fargo, I was told that I should be able to do withdrawing the applications, but the banker I worked with told me no. 
1. Requesting XXXX in cash for an equity line applications is unreasonable. If I had worked with another bank for an equity line application, they never had that kind of unreasonable request. If I had that amount in cash, why I would need the equity lines for? 
2. XXXX is not a small amount. If that could be a requirement for an approval, I need to be notified by that before I started the applications. Otherwise, I would have applied for something which is guaranteed not to be approved. 
3. I told the banker that I would not start the applications at all if I were told that I need XXXX in cash before they declined my applications. Why they declined my applications without asking me if I wanted to withdraw them?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (I do not know) with The Best Service Co.,Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that THE BEST SERVICE COMPANY provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Consumer Loan (Installment loan) with Enova International, Inc. (VA).
Issue: Problems when you are unable to pay

Complaint: I was unable to make the remaining payment to Net Credit, therefore my account was sold by Net Credit to XXXX XXXX XXXX per my credit file. Both are reporting as collection accounts with a balance of {$1700.00}. Since XXXX XXXX XXXX shows the most recent activity, I believe the Net Credit account balance should be {$0.00} and show as a charged off account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: While perusing my credit report, I noticed several items I did n't recognized. A address I did n't recognize and a collections bill from XXXX and XXXX I did n't incur. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX sold my mortgage to Carrington Mortgage Services, LLC in XX/XX/XXXX, and they have refused to take mortgage payments, has not provided the original wet ink signed unaltered documents showing proof to collect, refused a short sale, refused assumption packet, had my homeowner 's insurance canceled, submitted altered documents to XXXX and XXXX courts requesting to foreclose on my property three times with most recent letter dated XX/XX/XXXX with a move out date of XX/XX/XXXX. CMS provided altered docs stating I defaulting on loan in XX/XX/XXXX and did not reinstate the loan when I have documents showing that XXXX approved a loan modification and said for me not to may payments from XX/XX/XXXX - XX/XX/XXXX. CMS submitted docs to County 's recording office stating I appeared in CA and other locations that I did not appear. Did not honor the Administrative process to show proof of " said '' debt, and the mortgage loan has been securitized and CMS can not produce a clear title or show true holders of the promissory note or title. CMS has tried to force me to move out of the property and refuse to work with me. CMS has rude customer service reps, do not apply payments in a timely manner, called to cancel my homeowner 's insurance, increases customers mortgage payments without valid explanations, changes the locks on the residents homes, make attempts to break into properties, file fraudulent docs with County 's Clerks office, website will not accept online payments - forcing customers to pay additional money for alternative payment methods. CMS is a very dishonest company who do not seek to work with its mortgagee but rather are quick to use deceptive practices and altered documents to enforce foreclosing proceedings. CMS will lie, created fraudulent documents, send over workers to illegally enter your property, and submit fraudulent documents to courts and County 's Clerks office to conceal their illegal attempts to steal your home.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: On XXXX, received yet another notice as well as many telephone calls over the past months, Portfolio continues to harass me via phone and mail and refuse to cease and desist. I am now going to file legal action against them as well as join a Class Action suit against them. 

Since XX/XX/XXXX to present, I have asked them when they call to stop calling and also returning their notices to them demanding they cease and desist. 

XXXX -Called the XXXX number and spoke with XXXX at Portfolio stating that I am receiving notices and harassing phone calls from them and I want it to stop. XXXX stated it would stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a cash back Visa credit card account with Wells Fargo. My balance is over the limit, because of fees and interest. I can not pay the full amount. I went online to make a payment on XXXX/XXXX/17, of {$130.00}. The next day I went online to check to make sure payment was processing. Then the summary said I really should have paid {$170.00} instead of {$130.00}. The amount changed because I did n't pay the overlimit amount immediately, so they charged me another fee.
I am in a situation of a cascading amount of fees and interest, that are abusive. So my monthly payments are so high that, I have no money for food, gas, living expenses, etc. I want to keep this account current, but I am heading for default.
I am XXXX and live on Social Security. I called the customer service and her supervisor and told them this. They said there was nothing they could do and they would not forgive the fees in any way.
I am now considering suicide. I told them this and they could care less.
I do not want to hurt my credit score, because I may not get approved for housing and I will become homeless.
Remember, 75 % of the balance is NOT principle. It is fees and interest -- - extremely abusive.
Please step in and help me. I do n't want to go into default, but the payments are too high for me to make.

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 05/24/2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (MO).
Issue: Taking out the loan or lease

Complaint: I bought a car from XXXX and their financial lender CNAC in XXXX MO my cosigner has near perfect credit score and my interest is 28 % I have asked to be refinanced but my loan company does n't do that. I 'm gon na pay over XXXX for my car that is only worth XXXX I went to a bank to try and get refinanced and she told me to complain to you guys so they can be investigated because they way CNAC did me was way wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX, I sold my interest in a XXXX, and divorced my husband who immediately moved back to XXXX. He and the other XXXX XXXX kept the company alive, while I bowed out of the picture completely. On XX/XX/XXXX, I received a letter from a collection agency stating I owe {$78000.00} on a line of credit they claimed I personally guaranteed. They are unable to locate this " supposed '' contract and are threatening to ruin my - quite frankly - perfect credit. All for a debt that is NOT mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (GA).
Issue: Problems when you are unable to pay

Complaint: First off the loan agent, looks up my family members through social media and contacted them. Also she stated to me she even Googled my boyfriends name, and searched out his police record ( his name is not on the loan. ) She shows up at my home with a police officer and tells me it 's a felony repo for my listed calatorel but the officer never gets out of the vehicle. She agrees for me to come to the office by the next Monday to make a payment and do a hardship form and she leaves. About 20 minutes later she shows back up at my home ( no police this time ) asking me to write a false statement saying that the original loan manager took half the money and made me take out the loan. she told me what to say and even had her boss on speaker phone. When I said no they both got upset and refused to let me do a hardship form and made threats that they would get me and the original loan manager even with out my statement. I asked y she brought the cops the XXXX time n she said it was for repososetion, the XXXX time I asked her y she said because she felt threatened ( even this she 's never met me seen me or spoke to me before ). The XXXX time I asked y the police had came the XXXX time she said it was because she googled by boyfriend and he had a record. So I 'm still not sure as to the real reason the police where here. I made a complaint to her main office and they forwarded it to her boss and he as well tried to get me to make a statement saying could help me out if I gave them the statement so they could go after the original loan manager ( who no longer works at the company ) they r trying to get wrongful statements to incriminate her. As well as threaten me the into helping them or they will press charges as I am behind on my loan. At this time I am an out of work widowed mother with XXXX kids ( XXXXwith XXXX and can not get caught up on this loan ) I feel they r targeting me due to the issues they have with the previous manager ... ..

Company response to consumer: Closed with explanation