milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report that don't belong to me. The following hard inquiries are fraudulent and unauthorized: XXXX XXXX, XX/XX/2017, XXXX XXXX XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease

Complaint: I leased a XXXX XXXX XXXX from Ally Financial, XXXX, MN on XX/XX/2014. My Account XXXX is XXXX. The lease was for 36 months and included XXXX extra miles per year which I paid for at {$.00} per mile, captured in my monthly lease cost. Agreement was any unused extra miles would be refunded to me at the end of the lease. The vehicle was recently turned in with XXXX miles on it, XXXX miles under what I had paid for. I am due a refund of {$1500.00} from Ally. When I contacted Ally one week ago, I was told, no, no refund was due because the vehicle was turned in early, which violated the lease. I said no, the lease was paid in full to the term of the lease ( the dealer I leased a new vehicle from paid the last months lease ), I simply gave them the vehicle back early, which should be considered a plus, as the vehicle is worth more to them. The vehicle is already sold, per the statement from Ally. Ally refuses to bend - they say the only way the refund would be paid is if the vehicle had been turned in on the exact day the lease ends, which seems utterly ridiculous and fully intended to allow Ally to avoid paying anything back to customers. Overall, I paid this lease in full, never missing any payments, paying early in all cases and Ally is saying a clause in the fine print allows them to not pay back what is due to me. Unfortunately, I have another ( new ) Ally lease now, which was finalized before i realized they wanted to refuse payment.

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 08-02-2017 about Debt collection (Medical debt) with Ability Recovery Services, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've advised this company that I 've never used their services, I don '' t know who they are, this account doe not belong to me. and that they immediately remove this negative inquiry from all  XXXX  credit Bureaus. They have been harassing me with threatening phone calls asking me to pay off this balance.
Last Reported   XXXX   XXXX  , 2017 Collection Agency ABLTY RECVRY Original Creditor   XXXX   XXXX   XXXX   XXXX    Status Open Opened Date   XXXX   XXXX  , 2017 Closed Date -- Responsibility Individual Balance {$950.00} High Balance {$950.00} Remarks Placed for collection ABLTY RECVRY Reported on   XXXX   XXXX  , 2017 {$330.00} Account Details Last Reported   XXXX   XXXX  , 2017 Collection Agency ABLTY RECVRY Original Creditor   XXXX   XXXX   XXXX   XXXX   Status Open Opened Date   XXXX   XXXX  , 2017 Closed Date -- Responsibility Individual Balance {$330.00} High Balance {$330.00} Remarks Placed for collection

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I have an online savings account with Capital One that I requested be closed several months ago. This account has had a zero balance since XXXX XXXX, yet it is still open today. I tried contacting customer support via chat : There is no chat button on their website ( despite the fact that a chat option is advertised ). I tried contacting customer support via the messaging center : There is no way to actually send a message. I tried contacting customer support via TWO different phone numbers : I was told by a supervisor that he could not help me and I needed to call during the work week. I explained to him that my schedule does not allow me to call during the work week, at which point he became incredibly rude to me. I emailed Capital One 's support escalation team as well as their senior leadership ( those I found email addresses for online ). The escalation team replied back that I need to call them during their business hours - something I am, again, currently unable to do. I do not understand why this is such a hassle when I originally asked for the account to be closed months ago. It needs to be closed now.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Medical) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I person by the name of XXXX called me in regards to a medical debt I was unaware I owed, I explained I was in middle of work and could n't speak to him at the moment, he proceed to call my cell a total of 5 times within a 3 hour span. 
I called him back and asked to be sent an invoice because how did I know if it was n't a scam, and I would n't give my credit card information over the phone. 
A few days passed I did not receive anything in the mail, XXXX called my work and asked to speak to my boss, he told my boss to have him call me back or I would be in serious problems. He then called again and asked to speak the HR director, he then called again to obtain my extension number. 
I called him back and asked him to not contact my work number and to not speak to anyone at my work in regards to him trying to collect a debt. I explained I still had not received anything in the mail, which then I realized he did not have my correct mailing address, I gave him the correct mailing address. 
2 days later he called me a series of 10 times, 3 times leaving a voicemail, I was not able to answer the phone because I was in meetings, he then called my work number and spoke to customer service asking if I was working and in the office. 
I called and asked to speak to a supervisor and asked said supervisor to remove my work phone number because the employee XXXX has been harassing me at work, I again asked for the invoice to be mailed. 
XXXX called the next day my work phone and spoke to customer service, he then called my work extension and left a message. 
I again called a supervisor to ask for XXXX to stop calling my work. 
XXXX again repeatedly called me my work phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Student loan (Non-federal student loan) with Genesis Lending (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am struggling to get the debt relief I am entitled to from a private loan I received while attending XXXX XXXX. The loan came from a private lender named " Genesis Lending through XXXX bank XXXX Through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Citimortgage approved me for a re financing of our home. They instructed us to make 3 payments at the new lower payment which we did. They also said soon you will receive a package with instructions on how to proceed. When it did n't come I spent entire days, many hours trying to get answers and was often hung up on. Eventually I started taking notes of who I spoke with, the date and time. Eventually a representative instructed me until further notice to stop making any payments so I did against my better judgment. I assumed that because they advised this they acknowledged how messed up their own system was. I eventually found myself in default on my mortgage and nothing but run around tactics from Citimortgage per usual. I hired a lawyer that showed me multiple areas they conducted illegal actions against me and assured me I could not lose my home.I was stressed all the time and wound up developing a XXXX XXXX! I wound up having XXXX and woke up XXXX. Fighting for my life was now my priority. I ended up losing my home and am furious that Citimortgage and their false instruction put me in this situation. I want them to be held responsible for their lies. It caused my family their home! I did n't know about being able to complain or where until now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Was a victim of identify theft by my fianc while I was in the hospital

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: This is a notice to cease unauthorized inquires into my credit report and a formal demand that you immediately contact the credit reporting agencies and bureaus to have your illegal inquiries removed. While checking my personal credit report from XXXX, I noticed an inquiry made by your organization. 

The details of the inquiry are as follows : Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Inquiry made by : Bank of America I did not approved your organization, or any person associated with your organization, to make such an inquiry. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied. 

If you believe that you posses sufficient document that supports your authorization to make the inquiry, please forward a copy so that I may verify its validity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I ca n't afford my $ XXXX month payment on my private loan on top of my $ XXXX payment on my federal loan. I have repayment plans with my federal loans but sallie Mae will not extend my loan terms or anything to help me out and my private loans are killing 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 10/27/2017 about Student loan (Federal student loan servicing) with MOHELA (WA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Hi I am BOMBARDED by calls from XXXX XXXX XXXX XXXX - I finally called back and only said I had a loan and my first name. They immediately confirmed they were working with the XXXX XXXX XXXX and they could help. I asked for their online website where I could verify them. The guy said have a good day and HUNG up on me. So this IS phishing as I suspected and theyre relentlessly dialing. I have numerous phone numbers I can associate to this scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Listed on my credit report is a Credit collection by XXXX XXXX representing XXXX XXXX XXXX for a balance in the amount of {$950.00}. Also on my credit report is XXXX XXXX XXXX. I have disputed this account multiple times but what upsets me more now is that both companies are listed on my credit report as if I owe the same debt twice. It is unfair that they are both listed on my credit report appearing that I have multiple accounts in a negative status and being denied credit. I am asking that XXXX XXXX be deleted immediately as they are not the original creditor.

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 12-02-2015 about Credit card () with SYNCHRONY FINANCIAL (AL).
Issue: Payoff process

Complaint: I paid off my Synchrony Belk card via a settlement on XXXX XXXX, 2015. I have made bi-weekly calls to Synchrony as all XXXX of my credit bureaus are as of XXXX XXXX, 2015 listing the balance as XXXX with a past due of XXXX. 
The balance is in fact XXXX and the past due is XXXX. I spoke with XXXX at XXXX central on XXXX XXXX, 2015 and XXXX assured me the appropriate credit bureau correction forms were being sent immediately to all XXXX bureaus. That was a lie. None of the XXXX bureaus have received the updated information. As a result, I am suffering damage to my credit report and score as I attempt to purchase a home with a mortgage. It has been a full NINETY THREE days since this account has been paid in full. That is more than twice the 45 day maximum time frame allowed. I have made repeat requests to have a manager return my call. They have refused. I have been hung up on twice as I held upwards of XXXX minutes. As I type this, I have been on hold today for XXXX minutes. I have settled XXXX accounts after my divorce, and Synchrony Belk is the single only creditor that is not reporting properly. At this point, I demand to have my credit file accurately updated immediately. The CFPB exists to protect consumers from practices such as this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Vehicle loan or lease (Loan) with Ricart Financial Services (MS).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: XXXX XXXXXXXX Payments:XXXX XXXX/XXXX/2014 THIS  CAR LOAN WAS AN REPO. CAR WAS SENT BACK IN GOOD STANDING BUT IT STILL REMAIN ON MY CREDIT AS CHARGE OFF AFFECTING MY SCORE & FUTURE PURCHASE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: Wells Fargo prematurely closed my account despite me making agreed paying. when I opened the account, I agreed to pay {$100.00} per month and I have never paid less than XXXX per month. when I contacted the creditor ( XXXX and XXXX ) for assistance in managing my Wells Fargo account, they verbally indicated that they no longer bank with Wells Fargo because they do not deal well with customers and that Wells Fargo has closed all of their customers accounts in XXXX. Since the deal with Wells Fargo and XXXX and XXXX ended, Well Fargo have been inflexible in managing the late fee and discrepancies on my XXXX and XXXX account. Although they closed my account after increasing my credit limit, I continued to pay on the account, but my credit report reflect that it is charged off because i have missed XXXX or XXXX full payments ( due to late fee and online banking issues ) and have been trying to rectify the discrepancies and get my account current since XX/XX/XXXX, but wells fargo have been extremely punitive with their exorbitant late fees and rude customer services reps, who speak to you in a condescending manner and tell you that thereis nothing they can do but close or charge off the account and ruin your credit. they then proceeded to close my account in XXXX although they received payment. Please note payment made as reflected through my online XXXX account statements : XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$120.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$100.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX {$100.00} XXXX XXXX XXXX XXXX/WELLS FARGO XXXX XXXX XXXX XXXXReference # XXXX $ 100.00I will be happy to forward the aforementioned transactions through a formal bank statements to support this documentation. 

In XXXX, and XXXX I missed online payments due to an online banking glitch, but from XX/XX/XXXX, Wells Fargo have consistent received payment as reflected in your credit summary. I explained this to Wells Fargo and other creditors that were affected. other creditors did not charge my account off. they worked with me to rectify the past issues, and now my accounts are in good standing. Wells Fargo has made no effort to work with me as they appear to be no longer invested in me as a customer, due to their severed relationship with XXXX and XXXX, who has actually apologized for the problems and invited me in to open an account with their new bank ( XXXX ), as they no longer do business with Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (GA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2016, I refinance my auto loan, which had previously been with Ally Financial, with XXXX XXXX XXXX. XXXX XXXX has been great. They acquired a payoff amount and address for payoff, but Ally claims they ONLY has a PO Box , and payoff can only be sent through regular mail, not overnight. It has now been 3+ weeks since my refinance, and 2+ weeks since XXXX XXXX sent a payoff check and a request to release the lien. I have had four ( 4 ) conversations with Ally, all just short of stating that I must make a payment and that I have been sent to collections, and they have not been able to assist me in locating XXXX XXXX 's payoff nor have they been able to to provide me nor XXXX XXXX in anyway with a solution. They will not provide us with a physical address in which the bank can reissue and send another check either. XXXX XXXX will not resend without this.

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 01/19/2018 about Debt collection (Medical debt) with Designed Receivable Solultions, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$50.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxxxxxxxxxx XXXX Creditor Classification Medical or Health Care Last Payment Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX amoun Comments : I had medical insurance through XXXX that covered this procedure. I was not sent or called with a payment request. billed or notified. Upon finding out about this bill while checking my credit I called designed Receivable Solutions I was told that it would be removed if I paid {$50.00}. I insisted that I was not familiar with this bill and I wanted to dispute it. I was informed that I should just pay the bill and it would be removed. I paid and 3 years later the collection account is still showing up on my credit report. 
Medical

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sound Collection Services (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX credit reporting keeps reporting the same incorrect negative and false information that I have disputed and the other credit reporting companies took the negative debts off my records over a year ago. 1st on is Sound Screening for an apt that debt occurred on XXXX XXXX and it stated that it would be off on XX/XX/XXXX from my records which as of today XX/XX/XXXX it has not. Another one is WA State child support that this was an account that mistaking got on my credit reports which was removed ASAP but XXXX credit report refuses to remove after several disputes since XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (OH).
Issue: Credit decision / Underwriting

Complaint: After being solicited by XXXX of their bankers, I applied for a mortgage refinance loan to refinance an existing mortgage I had at their bank. The refinance loan was approved, but after the rate came back higher than I wanted, we added my wife 's information in the hopes of getting a better rate. After being told we would get called back with the results, we waited two days receiving no calls before physically going back into the branch. Once there, we were told they were working on a rate exception ( despite them telling us it was a sure thing at the time my wife 's information was added ), and would call us back on Monday. They did not call back on Monday, and on Tuesday I called to get the status and asked to have our application handled by a different branch location. We are currently waiting to hear back from the district manager concerning this request. No one at the bank seems willing to help us despite being a long-time existing customer and after having been actively solicited by their banker for this product.

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