milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On my report there are two inquires that were not authorized by me and are fraudulent. I contacted the company 's XXXX and XXXX by phone and was told to dispute with XXXX. Disputed it and got a response back that I needed to have the company call XXXX and remove it. Called XXXX and XXXX and they still can not find anything to use to show XXXX to remove. I am being told they need proof for XXXX and since no information pulls up for my social security number or name they wo n't call. But I have to fax them information to show it is there. Been dealing with this for two weeks I am wasting my time to do the work the companies should be doing. There needs to be a better option in place to remove fraud inquires of reports. The inquiry was done on XX/XX/XXXX. I started this onXX/XX/XXXX to have it removed today is XX/XX/XXXX. I feel like I am now stuck with fraud on my report and I should not have to be.Spoke with supervisor at XXXX and will be sending my complaint to corporate.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (TX).
Issue: Managing the loan or lease

Complaint: Have XXXX loans with Ford Credit. On monthly statements, late fees are applied after the XXXX day of the month. I have on three occasions had to submit a payment close to the XXXX day of the month, where the payment ends up getting credited after the XXXX. This month, I submitted my payment on Friday night ( XXXX day of the month ) after the XXXX cut-off set by Ford. In the recording prior to making the payment, the automated assistant says payments made on the weekend will be submitted the next business day. In this situation, there is no way to submit a payment on time. The following day I contacted Ford to see if there was another method to make the payment through an agent. The only alternative provided was to submit a payment through XXXX, which would cost {$20.00}. So I either pay {$20.00} to XXXX ( per car ) or {$25.00} to Ford as part of the late fee ( per car ). I decided to proceed with the former and save {$10.00} dollars, but with a lot of aggravation. Note, I tried to make payments on the Ford Credit website and achieved the same outcome last time. I ate the late fees last go around as I did not want to hassle with it. This time I am asking for assistance from the CFPB to push back on behalf of me and other consumers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have an item appearing from Caine & Weiner,  account # XXXX from XXXX XXXX XXXX for {$550.00} date opened XXXX/XXXX/XXXX reported XXXX/XXXX/XXXX placed for collection. I do not now, nor have I ever owed XXXX {$550.00}. I cancelled my service with them last year and they continued to bill me. Despite my not owing any money, this company continued to charge my main business checking account for hundreds of dollars. I eventually had to pay some amount to get them to stop. They agreed to stop and then without my knowledge or agreement they charged my account again and I had to file some paper work to stop them from charging my account. They have now falsely claimed that I owe them money and are damaging my credit. I want all my money returned plus interest and a letter of apology and every claim that I owe anything to them ever to permanently removed from all my credit and a guarantee that no creditor will ever approach me again for anything regarding XXXX  ever.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Originally I had disputed a public record for a civil judgement with transunion that over XXXX was being reported as a civil judgement, I won my dispute and the public record. was removed, I then received a letter that it was being reinserted ; I tried to dispute it again as it shouldnt show at all as this case was dismissed with prejudiced and expunged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Medical) with Tormey Bewley Corporation (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The Advantage Group , Inc. Is trying to collect a debt that was settled back in 2012. This Collection company bought a already paid debt and has violated my rights in several ways. They are as follows : I was never given the right to even question let alone settle this debt with the Advantage Group, INC. 
I was never contacted in writing or by telephone about owing this debt with the Advantage Group, INC. they are not the original vendor and were required to contact me directly in regards to this debt. This was never done by their agents after purchasing a false debt. 
I discovered the debt through credit monitoring not because of the advantage groups attempt to collect a debt through proper notification. This alone violated my rights. 
The Advantage Group contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights also. 
This debt was paid directly to XXXX XXXX for service they rendered to XXXX XXXX at On Call Doctor in the month of XXXX 2012 ( SEE XXXX card receipt ). 
Furthermore ; I had no responsibility to XXXX XXXX XXXX to pay any additional fees when visiting the on call doctor 's office. The Advantage Group, Inc. is also trying to charge an interest fee to a disputed fee of {$170.00} from the original billing from XXXX XXXX. In the months in their response to Consumer protection were the months that I did deal with XXXX XXXX in regards to their erroneous billing. The Dr. office was paid for any and all services at the same time of my visit. 

The collection of any debt needs to notify the accused debtor and that same debtor has the right to dispute it. I was never given that right with The Advantage Group XXXX XXXX. They have never sent me any proof of their attempt via U.S. Mail that I owed the XXXX XXXX debt.

Company response to consumer: Closed
Consumer complaint received 11/23/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I had an auto loan with Santander. I was unable to continue the XXXX a monthfor the car, after three years, I voluntarily surrendered the vehicle in 2012. 
Santander has now placed a negative report on my credit saying I owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Application, originator, mortgage broker

Complaint: I have an existing mortgage with Chase that I have been trying to refinance since XX/XX/XXXX. All the required documentation was submitted within 10 days, and according to the web portal, we have been cleared to close for at least two months. They do not respond and do not return phone calls. I have tried to pull the plug on the process - asked them to refund the {$500.00} application fee, and they just do not respond. I could have done this through anyone else and closed two months ago. Chase has in effect cost me several thousand dollars with their incompetence. I do n't expect anything to happen, but other consumers should know to go elsewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Back in XXXX I contacted Transunion, XXXX and XXXX and advised them that the there were excessive inquiries on my credit report that I knew nothing about and did not authorized, Fraud alert was put on my credit file and Transunion deleted XXXX of the inquires then they put them back on my credit file. XXXX deleted about XXXX of the inquiries and left XXXX on my credit file and XXXX also deleted XXXX of the inquiries and left XXXX on my credit file. My credit file had Fraud Alert and I am still showing new inquiries on my credit file from all XXXX credit Bureaus, which is Fraud. How can this be when I had my credit files documented with fraud alert regarding unauthorized inquiries and neither credit bureau can show me proof where I authorized or gave permission for my credit to be pulled.

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 07/21/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IL).
Issue: Taking out the loan or lease

Complaint: 1. Dealer 's APR calculations appear to be understated. Interest is computed on a daily basis for an auto loan but 2. The contract appears deceptive because it is called a GMAC ( ALLY ) Flexible Finance Plan but there is no flexibility offered to the borrowers. 
3. An investigation will show that the car dealer, XXXX XXXX, processed one contract at the requested simple interest rate and then deceptively said a " mistake '' was made after my signing and another contract needed to be printed but the second contract 's interest rate was based on a daily computation rather than simple annual interest. 
4. In retrospect, I believe I was charged an unfair and highly marked-up interest rate because I am XXXX, especially because of the consent agreement Ally entered into with the federal government.

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 03-02-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: We stopped to pay our mortgage since XXXX. I could n't work for a year because my XXXX babies came, so I quit to take care them. Months later my husband lost his job and we struggled with everything. By XXXX Penny Mac offered us and program for 9 moths that we can pay XXXX dollars per moths, but finally by XXXX I called them and I told that we were ready to pay our full monthly payment ( XXXX ). Then, they told us we need to start a Modification program and need to qualified, because I requested that wherever we owned we will lie to be transferred to the end of our balance. However, by XXXX this process starts and we could n't make payments because " we were on the process to modification '' even if we talked them we can pay our full monthly payment like we used to do before we got in this situation. My the middle of XXXX we recieved a lawyer letter saying we will be sue for whwerere we own, few days after we got papers for the same lawyer from Pend Mac that we need to go to court. We have been trying to get in contact with them so someone can explain us why we need to go to court if first, we are waiting for the modification, we want to pay just we do n't have the balance money ( XXXX ). we want to start to pay our regular payment. 
Plus they said we need to pay for their lawyers expenses. we do n't get a call for them and we want to reach them we just hear " wait '' we are working on your modification. I hope it get clearly soon__ thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Other financial service (Check cashing) with DFC GLOBAL CORP (LA).
Issue: Excessive fees

Complaint: On Friday XXXX/XXXX/2016 i went in to Money Mart at XXXX LA. I had to cash a payroll check, The check cashing fee was 3 percent. This is an outrageous rate to cash a payroll check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit card () with CITIBANK, N.A. (WI).
Issue: Billing disputes

Complaint: About 5 -10 years ago a Sears sales person talked me into applying for a Sears Master Card. I received the card but NEVER used it. XXXX 2015 I received a statement owing {$35.00} " XX/XX/2015 XXXX card reload XXXX ". Knowing I NEVER used the card, never been in a XXXX, an do n't even drink coffee, I ignored the statement. 
In XX/XX/XXXX a statement came with penalty making the balance due of {$62.00}. 
On XX/XX/XXXX I replied with a note on the statement refuting the charges and asking Sears and Citi cards to correct their records. 
XX/XX/XXXX letter from Citi Cards threatens to " report information about your account to credit bureaus. '' On XX/XX/XXXX I received from Citi bank a new Sears card and blank checks which I have no intention of using. 
An internet search shows numerous examples of people with similar false charges regarding " XXXX card reload XXXX Wa " on various credit cards. It appears XXXX, Sears, nor Citibank are interested in stopping this scam. 
As a XXXX I do n't need the aggravation of trying to protect my credit rating through no fault of my own.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-12-2017 about Debt collection (Mortgage) with SYNCHRONY FINANCIAL (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This individuals placed an abstract of judgement on my property illegally. I never dealt with any of the two companies nor my name is XXXX. My name is XXXX and I never had any contact or business with them. Thank you,

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. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk. I 'm listed as a potential victim per their website and will have to initiate a freeze to protect myself. I was not notified by Equifax in any way that my information was compromised. In fact, the process is to look it up yourself. This situation is an outrage.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Auto) with ALLY FINANCIAL INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We leased a vehicle with ALLY Bank, that was mistake # XXXX. Here is what happened. My wife drives our XXXX children to school every morning and uses the XXXX lane. And according to the US Department of Transportation Federal Highway Administration, children count as passengers. Apparently one morning, a police officer must not have been able to see the children in the car, and instead of pulling my wife over ( and realizing there were XXXX people in the car ), he just took down the plate number and sent a summons. 

Here is where the problem begins ... .because it is a leased vehicle, the summons went to ALLY Bank, not to me. So we had no idea this happened. Months go buy and I get a letter in the mail from ALLYthat I owe the summons amount and that they are about to pay it for me. So I immediately call them and tell them not to pay the summons becuase we need to fight this because we never touch the XXXX lanes where we live except to go to school with the kids in the car. 

Fast forward a month or so and I get a bill saying that I owe ALLY for the summons and I called again and said what about us fighting this? ... we definitely didnt break any rules and this is when Ally 's horrendous customer service kicked in. I must have called and spoken XXXX different people and every one of them had a different answer with the last volatile person telling me that it is too bad, you have to pay it because we paid it for you. Again, I repeatedly told them not to pay and to fight it. It isnt even about the money, it 's the prinicpal of the thing. 

So because ALLY Bank is lazy and no one on their end wanted to do their job, I am stuck with a fee that I should n't have to pay but they threaten to go to a collections agency to mess up my credit. This is unfair and shouldnt be how people are treated. Obvioulsy this bank lost a customer for life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am filing a complaint regarding Reverse Mortgage Solutions, based out of XXXX, Texas. As the executor of my Mother 's estate I requested a payoff amount on XXXX XXXX, 2016 so we could close on the property on XXXX XXXX 2016. We have received no payoff information despite being told it usually takes XXXX to 10 business days. I have called many times in the past few days and have received no information on the timeline to receive the payoff. I have even been told I can not speak to the payoff department. Obviously our buyers are becoming concerned and now we are in danger of not being able to sell. All I want is for them to give me the amount we owe to close the property.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Delinquent account

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX XXXX/XXXX/XXXX Capital One XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : CFPB CASE # XXXX - Respond not a Fair Enough Capital One Account # XXXX Dear Capital One, I am not happy your response which I received and I feel like your bank treated me very unprofessionally and I feel like always discrimination. 
I will attached your reference Capital one Credit Bureau resolutions letter on XXXX and XX/XX/XXXX Capital one asking Supporting documents for account number ending XXXX. 
Your letter indicated ( Capital One CFPB Case response XXXX ) your bank update details are accurate and how possible they asking supporting documents? this is a discrimination. 
I am maintain XXXX accounts good standing and good payment history ( Last XXXX # ending XXXX XXXX ) Please re investigation my issues and Consider " Goodwill Adjust " this account and remove Late payment on XX/XX/XXXX Really Appreciated Thanks ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit card () with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: APR or interest rate

Complaint: Credit Card does not reveal the APR when signing in for activity or paying. 
No where on the internet account is the information. It requires a paper statement ... 
All other information available, APR hidden. These accounts are variable interest rates, and hiding the rates is wrong. 
On some accounts I can download pdf of previous statements, which include the information ... but this one DOES NOT & gt ;

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (OK).
Issue: Other transaction problem

Complaint: This financial institution put a hold on over {$80000.00} of our earned funds until an investigation could take place to deem if we could have access to it. After an unusually long period, they released our funds, but kept {$10000.00} on reserve to cover any " future risk ''. As a consumer, we have no right, we have to obey what they demand because we do not want to lose our money. It 's been over 60 days since we stopped using their institution and they still refuse to release our money, matter of fact, now they refuse to respond to our inquiries at all.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Experian continues to place security alerts on my credit report. I did not request these alerts to be added to my Experian credit file. I have requested Experian to remove these alerts on XXXX occasions but the security alert still remains. I have attached a copy of my identification to this complaint. I would appreciate your assistance in helping me to get this alert removed from my Experian report. Thank you.

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 08/30/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX statement said that {$1400.00} was due by XX/XX/XXXX in order to avoid late penalty. 
On XX/XX/XXXX I wired {$150000.00}, which was enough to pay off the mortgage.
On XX/XX/XXXX Nationstar Mortgage returned {$150000.00} to my checking account. 
To date Nationstar has not sent me an XX/XX/XXXX bill but looking at my account online they say I did not make an XX/XX/XXXX payment and they have tacked on {$63.00} late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Mortgage debt) with BOK FINANCIAL CORP (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XX/XX/XXXX a gentleman from XXXX XXXX XXXX called me and told me he is calling to collect a debt. He stated I owe {$920.00} for my mortgage payment that was due XX/XX/XXXX, which has a 15 day grace period. I told him I have already made the payment and he told me I did not make it. This is a brand new loan with the 1st payment being dueXX/XX/XXXX. OnXX/XX/XXXX, I made a partial payment of {$470.00} and onXX/XX/XXXX I made the other partial payment of {$470.00} for my {$920.00} due XX/XX/XXXX. On XX/XX/XXXX, I made a partial payment of {$470.00} and onXX/XX/XXXX I made the other partial payment of {$470.00} for my {$920.00} due XX/XX/XXXX. On XX/XX/XXXX I made a partial payment of {$470.00} for my {$920.00} due on XX/XX/XXXX The agent told me the way I make my payments ( I make a half payment each time I get paid on the 15th and 1st for the following months payment due ) is unacceptable and I can not make my payments like that and XXXX XXXX XXXX will not accept them. He told me he was coming after me for my mortgage payments. He was aggressive and told me I need to make my XXXX mortgage payment now as he is a debt collector and that I did not make my payments like I need to. I explained how I make them 1/2 at a time and he said it was not acceptable by XXXX XXXX XXXX and I need to pay now. I asked on 8 different occasions to speak with a manager and he finally transferred me. He was rude, uncouth, and aggressive trying to collect a debt that was not owed.

Company response to consumer: Closed with explanation