milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (AR).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I recently looked at my credit reports and noticed that Ally Financial XXXX .... reported negative marks 30,60 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve

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 06/24/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account was open by someone that used my ID to open it. I filed a complaint with Equifax on the phone the first time last year. Then online and now in writing last month. Equifax sent me a letter telling me that they had verified that this item belongs to me. I call and asked how it was verified and was told " The bank told them it was mine '' It is not and I can not get the bank or Equifax to show me anything that profess that I opened or used this account. I do not think that the bank just telling Equifax that it belongs to me is verifying that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Other debt) with Monterey Financial Services LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We joined & RV Park in XX/XX/XXXX& cancelled the membership back in XX/XX/XXXX. The contract reads if you do not pay dues your membership is cancelled. This was a very unsafe park for seniors. We spent a few days there back in XX/XX/XXXX & the manger got into fist fights in front of our RV as well as all kinds of cars into this park all hours of the day & nite. Not a safe place for seniors. There has been no dues paid to this park since XX/XX/XXXX. No contact what so ever with them. A few weeks a go they found this shady collection agency & they took the account & are now have put this our credit reports for {$330.00}. The statue of limitations ran out on this 4 years ago. This alleged debt is was opened in XX/XX/XXXX. The statue of limitation in Texas is 4 years. This collection agency is totally illegal. Its been at least 8 years since there was any contact made with this RV park. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX, Ca. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Payday loan () with Advance America, Cash Advance Centers, Inc. (FL).
Issue: Received a loan I didn't apply for

Complaint: I just received an email with no contact information except for a gmail address of : XXXX for XXXX or advance America. There is no phone or other information. They are threatening in this email to contact employer and the sheriffs office. It also said I was notified in XX/XX/2015 and that they are accepting this as a flat out refusal to pay. I have no memory of doing any business with this company is a VERY long time. Almost XXXX yrs.

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 10/13/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Trouble during payment process

Complaint: Called in or around XXXX XXXX, XXXX to advised I have switched Insurance companies. I was told by representative to fax over documentation for new insurance company and I requested my loan be reanalyzed due to lower premium for insurance. I called back on XXXX XXXX to find out they never updated my information. representative confirmed that fax was received however they never change my insurance information nor did they reanalyzed my account. The lower premium would have made my payment lower however they never even changed the company nor took care of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SQUARETWO FINANCIAL CORPORATION (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Back in 2008 we had to get a loan to pay for our vehicle to get fixed, an so went foolishly with one of those high interest XXXX loans. I defaulted on that loan. Now, CACH LLC has placed a levy against me for that old debt, and if it goes through me and my family will have nothing to live on.

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 08/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A legal item has appeared on my TransUnion credit report, a {$1900.00} small claims judgment through the XXXX XXXX XXXX XXXX ( Michigan ) small claims court, reference number XXXX ( this is all in the public record, no personal info ). I called the court using the contact information provided and after the usual debacle of bureaucracy spoke to a very helpful clerk who was able, at last, to pull the relevant file. It appears this is a judgment against a XXXX XXXX with no DOB or other identifying info made back in XX/XX/XXXX. She dug deeper and found the court attempted to garnish wages from the Department of XXXX, but received no response from that institution and the case just sort of died there. 

My name is also XXXX XXXX. I did indeed live in XXXX for one year, from XX/XX/XXXX to XXXX of this year, but in XXXX XXXX ( XXXX XXXX ). This is clearly a different XXXX XXXX, but for some reason this item has started appearing on my credit report. I would like this corrected immediately but gave up after almost an hour on hold with TransUnion. I do n't really have the time to actively pursue this at the moment ( I work as XXXX ), so I thought enlisting your help might be more efficient ( I remembered this agency because I was a candidate for XXXX of your fellowships earlier this year ). 

Thank you in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (NY).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Background Screen Report (submitted XX/XX/XXXX) XXXX XXXX XXXX has reported information that is inaccurate including negative information that is more that 7 years old disallowed by the FCRA for reporting outdated negative information in a background screen report to my employer.XXXX XXXX XXXX background screen report to same employer submitted on XX/XX/XXXX appropriately excluded this information as required by law. Please see attachment.XXXX XXXX XXXX XXXX XXXX did not provide me a copy of Background screen report as required and requested for the Background Screen Report submitted XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is serviced by Caliber Home Loans. On dozens of occasions I have received email and mail marketing solicitations from their originations unit, encouraging me to refinance. On at least five occasions, I requested to be removed from their marketing list electronically, to no avail. I then called a representative and asked to be removed, again to no avail. Finally, in XX/XX/XXXX, I emailed XXXX XXXX, Caliber 's SVP of Strategic Growth whose signature graces every solicitation. I received a letter back on XX/XX/XXXX apologizing and confirming that I had been removed from the marketing list, and cautioning that I may receive one more mailing. Over the past few weeks, I have since received multiple additional letters in the mail. Today, I received a letter dated XX/XX/XXXX, weeks after I received written confirmation that these annoying letters would stop. 

My right to opt out is guaranteed by the Gramm-Leach-Bliley Act. Either Caliber 's process is unable to comply with my request, or they are willfully ignoring my request. Either way, it 's time the federal government knew about it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Citi announced a new policy that : Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : ( 1 ) they dont sell firearms to someone who hasnt passed a background check, ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and ( 3 ) they dont sell bump stocks or high-capacity magazines. This policy will apply across the firm, including to small business, commercial and institutional clients, as well as credit card partners, whether co-brand or private label. It doesn't impact the ability of consumers to use their Citi cards at merchants of their choice. 

This new policy violates many American 's constitutional rights to purchase firearms and other legal firearm accessories.

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 12/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The credit bureau did not perform a proper investigation of the account that is on my file. Furthermore, I asked them to perform another reinvestigation of the items on my credit report in accordance to the FCRA, Section 611, part B, subsection ( iii ). Please see the attached letter. They never sent me information that was required. This letter was sent to them certified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: As of XX/XX/XXXX Experian reporting agency reduce my score XXXX points and the only thing that has change on my credit history recently is that I paid off a credit card. When I asked them my why reduced my score they told me they can not give credit advise. They were also still reporting a collection from my past that should had been removed. I have sent them a copy from the circuit court in XXXX XXXX County, IL stating that the collection has been dismissed as of XX/XX/XXXX but XXXX is the only reporting agency that refuses to remove it from my account.

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 04/24/2015 about Consumer Loan (Installment loan) with Consumer Financial Debt Services, LLC (IL).
Issue: Taking out the loan or lease

Complaint: I was applying for a loan which was denied because of a previous finance company I had done business with failed to update my payment status accurately with the credit bureau. My loan has been paid off, according to the Consumer Financial Services, since XXXX XXXX, 2014. I filed a dispute with experian and experian responded that they have contacted consumer financial and information is correct. The account should show was closed and Consumer Financial needs to update this to show as closed and paid in full. They show the account is open and in good standing with a balance of {$1300.00} on XXXX loan and open and in good standing with a balance of {$410.00} on a second loan. XXXX loans are paid off completely. This information is completely false.

Company response to consumer: Untimely response
Consumer complaint received 11-03-2016 about Debt collection (Non-federal student loan) with American Coradius International LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have XXXX issues. They continued to contact me after I sent written notification asking for validation and to stop the phone calls. They continue to call me at work when I asked them not to. They told my boss why they were calling. 

When they call I tell them I do not consent to be recorded as is my right in the state of California and they tell me they wo n't stop recording unless I validate my information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XX/XX/XXXX my husband sold equipment for the amount of XXXX $ at the time we had two separate accounts he transferred that money electronically to my account later we ended up combining both accounts. XX/XX/XXXX I noticed a error message showing on my online statement error message showing negative XXXX $ .I contacted Wells Fargo an stated that the person that initially deposited the cash amount of XXXX $ was a error and was deposited into the wrong account. My husband has proof of sale. Wells Fargo never contacted my husband or myself of this allegation the money was taking out of our account without authorization. Wells Fargo has neglected us as customers we feel violated and my husband identify has been compromised.Wells Fargo has  failed to identify what error took place or how And when the money was taken its been over 3 weeks and Wells Fargo can not give me an explanation on how this occurred..

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 04/23/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: i believe Ocwen has not been forthright with dealing with my mortgage and one example is they foreclosed on my house and did not obey the judge 's order to give me a total on what i owed them during bankruptcy.My mortgage went from XXXX to XXXX and was but on loan modification that to me wasnt one because the payments where irregular and never offered me any relief.i am not an accountant but i believe i have been mistreated.my score has changed and the delinquency i has been taken off XXXX scores seem to be up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit card () with WELLS FARGO & COMPANY (SC).
Issue: Payoff process

Complaint: I applied for credit card in Wells Fargo recently and they approved my credit card and then closed all my accounts due to fictitious claims and fraud they filed against me without any due process. When i found out that i can used the card i then applied for balance transfer for the amount of XXXX dollars under XXXX card. It 's almost been 2 weeks since i did it and no response was made so i applied for a new card to take advantage of the offer of zero APR for 15 mos. I called Wells Fargo to follow up so that i can just consolidate my debt in one and they did approved the balance transfer after the conversation on the phone and then after that i was issued a letter informing me about the closure. They are very tricky since i had a feeling that my balance transfer will either be denied if i did n't have any card at all and so even if i still have doubts i continued the process. And what a co-incidence when my accounts was closed on XXXX XXXX, 2015 then the letter came in dated XXXX XXXX, 2015 closing the credit card while when i called earlier for follow up i was n't informed about the closure. So to make it short i applied for balance transfer again to another account to avoid any inconvenience and surprises under the company and i am waiving the balance transfer fee since i was charged XXXX dollars for savings account without issuing any checks at all and if somebody issued me a check or remittance they are the XXXX liable for any draft fee. I feel humiliated for their harsh treatment and being ignored in spite of my plea to prevent my account from closing too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid in full and they will not take the time to release of record. This paid debt is being held against me because it is an active judgement with a XXXX balance. I am trying to purchase a home and all my other paid liens were released of record within 30 days per compliance. This company say they do n't have to do anything now that they have their money. This has a negative impact against me and is effecting my opportunity to purchase a home for my family. I have completing my due diligence in payment, now I am demanding that they complete their due diligence in release of record.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: I have tried multiple times to freeze my Equifax credit. Since XXXX XXXX, I have tried to freeze my credit online at least 3 times a day with no success. I have also called the call center and have reached agents that have no idea what they are talking about including providing incorrect information such as 1 ) equifax will call me directly to verify 2 ) incorrect fee information 3 ) unable to provide information on how to actually freeze my credit 4 ) could not explain the credit monitoring product or any of its terms 5 ) call center agents admitted they did n't work for equifax director and receive no relevant training on credit related issues

Company response to consumer: Closed with explanation