milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/17/2015 about Mortgage (Conventional fixed mortgage) with ALLY FINANCIAL INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: For financial reasons I need a copy of a loan document from 2008. The mortgage was with GMAC, now known as Ally Bank and Ally Financial. Ally 's XXXX customer services lines provide no help. They have no record of my loan number or even my SS #. I have been given XXXX other numbers to call. XXXX are " not in service '' the other rings and a recorded message answers ( without identification of the company ) and asks callers to leave their ss # on the recording. The Ally website has no phone number for the corporate office and the customer service reps do n't either. When I called the XXXX department, that number also asks the caller to leave a message and once again the recording does n't identify the company. How can a financial company, let alone a public company, be permitted to remove its managers and executives from contact. I am going to lose a contract on a house because I can not get a copy of an old loan document.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit reporting () with ENCORE CAPITAL GROUP INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A public collection from Midland Funding has been entered on my report, the account was never validated to be mine, however, a judgment was granted due to me not receiving notification. My pay checks were garnished for a debt that was stated to be from 2005. It had not been on my credit report prior to the garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery has refused to remove a debt off of my credit report after being paid in full. They refused to accept payment and had me pay an outside law firm then once the debt was paid with the law firm Portfolio now refuses to remove the debt. They maintain that the debt still has a balance after being paid with the law firm. Portfolio has taken the stance that until they get " paid '' by the law firm for the amount owed that they will not remove the debt from my report. I have provided them with a pay off letter from the law firm and even told them I would send bank statements showing the removal of the funds from my account. Even after they have received this information they will not take the debt off of my record and tell me to contact the law firm that was paid and tell the law firm to pay them the funds. When I contacted the law firm they said that I need to contact Portfolio. I have been pushed around between Portfolio and the law firm that represents Portfolio. I am unable to obtain credit due to this breakdown in Portfolio 's system.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I can not afford the monthly payments as a XXXX mother of XXXX so I keep deferring these loans.They have more than doubled with the interest.I now owe almost XXXX instead of the XXXX originally borrowed

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I 've been trying to dispute some inaccuracies on my credit reports. For some reason the credit bureaus NEVER respond back to me. That 's pretty strange because i know it is my right to dispute any inaccuracies i notice. Is that legal? Please investigate the following accounts. 


XXXX XXXXThe date of last activity is not reporting right. 
XXXX XXXX XXXX XXXXThis account is inaccurate. Three collector 's are trying to collect on this one debt. The balance owed is not correct. 
XXXX XXXX XXXXXXXXXXXXXXX XXXI have never done business with nor have i been contacted by this company about this debt. 
XXXX XXXXThe rating on this account is wrong XXXX  XXXXThe balance should be {$0.00}. 
XXXX XXXX XXXXThis company is illegally collecting on this account. They are not licensed to collect debts in Louisiana and that is ILLEGAL. 
XXXX XXXX XXXX XXXXthis account in inaccurate. 
XXXX XXXX XXXX XXXXThe date of last activity is incorrect. 
XXXX XXXX 've never done buisness with XXXX XXXX XXXX XXXXThis creditor along with two others are attempting to collect this debt. This company no longer has this debt. Please remove.

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 01-05-2017 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (AL).
Issue: Managing the loan or lease

Complaint: There are numerous inconsistencies and discrepancies with Nissan Motor Acceptance Corporation 's reporting to the XXXX major credit bureaus. I have never made a late payment and have spoken with customer service on numerous occasions to correct this matter. I have been assured numerous times that it will be corrected and updated but it has been months with no results. I request the following corrections be made : 1. XXXX - update payment information to CURRENT, NOT LATE for the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX 2. XXXX - there is no account being reported and the account needs to be updated, reflecting ALL PAYMENTS CURRENT. 
3. XXXX - update payment information to CURRENT, NOT LATE for the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX my wife ( XXXX XXXX ) filed a Chapter XXXX Petition with Ally Financial as one of the creditors. XXXX XXXX is the primary on the Ally auto loan and I 'm the co-signer. Monthly payments have been made to the Trustee ( the Trustee pays Ally ), and the account has always been and is current. My situation is, Ally is continuously reporting to XXXX and XXXX that I am 180+ days past due on the auto loan, which is untrue. Ally has received all payments from my wife 's Trustee since XX/XX/XXXX and I signed paperwork with her Attorney which protects me from paying Ally the 14 % interest once the case is discharged. I have filed a dispute with the credit bureau 's, and Ally was removed from XXXX, but XXXX and XXXX has not complied with my request. The Ally Financial auto loan has never been late ( before and/or after my wife 's Chapter XXXX ) but my credit score is being castigated and chastised by Ally since my wife filed her Chapter 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 03-11-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: 1. Excessive fees from checking acct. 
2. Denied access to My mothers acct while attempting to withdraw money to evacuate My XXXX y.o.Mother and pets prior to hurricane XXXX..I am Her XXXX and We had almost no money between Us. 
3. Reposesed My car the day before what We agreed on and I had the money from cashing My Social Security check. They took the car that night rather than the following day as agreed.

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 08/25/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: This is in response to my last complaint and XXXX XXXX XXXX Consumer and Government Affairs Seterus, Inc. response. We filed for chapter XXXX bankruptcy in XXXX of XXXX. My attorney XXXX XXXX XXXX XXXX was added to my Seterus account in XXXX ofXX/XX/XXXX. I applied for a modification in XXXX of XXXX. A trial offer was sent out for us to begin trial payments in XXXX of XXXX we completed the three payments which you indicate in your letter. We never received a permanent modification until XXXX of XXXX now our attorney was added to our account. If Seterus had processed the finalized modification in a timely matter by XXXX or XXXX of XXXX, We would have been current on our payments and it would not have been part of the bankruptcy proceeding. Seteruss inability to process the modification in a timely manner caused our home to go into foreclosure proceeding and increase the mortgage amount that we currently owe. It should not take 8 months for a mortification to become permanent after the trial payments have been made.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been fighting XXXX issues with TransUnion. It still has not been resolved. The first problem is they are reporting a XXXX Tax lien that should have been removed some time ago under the XXXX XXXX XXXX. There is no way that TransUnion even researched this or it would have been removed by now. The other thing is the XXXX they are reporting. I have contacted the XXXX house directly and they said they DO NOT CORRESPOND WITH THIRD PARTIES FOR Credit reporting purposes. Again indicating that TransUnion was not able to validate this anyone with a computer can look something up but it does n't mean it accurate.

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. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to Equifax ( https : //www.equifaxsecurity2017.com ), substantial amounts of personal information was leaked, including names, Social Security numbers, birth dates, addresses, drivers license numbers, and credit card numbers. Furthermore, Equifax claims that the hack occurred somewhere in XX/XX/XXXX through XX/XX/XXXX, but failed to inform consumers until early XXXX. The irresponsible handling of this information is criminally negligent and will certainly lead to widespread fraudulent activity. Equifax is a company that has massive amounts of my very sensitive information, which I never provided to the company. They must be more proactive about security or face consequences. 

Furthermore, the remedial offer to provide free credit monitoring is a total scam. Others have shown that random, nonsense inputs can cause the " Potential Impact '' form ( https : //www.equifaxsecurity2017.com/potential-impact/ ) to tell consumers that their information may have been compromised. Signing up for this service also limits a consumers ability to seek legal reparations for this leak. Finally, Equifax is highly disingenuous with the signup procedure, as clicking " Enroll '' provides the user with a " Signup Date ''. The user must then return to the site on the prescribed date in order to complete registration, while receiving no reminders or other direction to do so. There is absolutely no reason Equifax should be allowed to be so intentionally circuitous in remediating this disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a letter from XXXX. They say I owe a debt on a membership from 1986. Yes, believe it or not, 1986!!!! I told them I do not have a XXXX. I have n't had a membership to a gym in years. As soon as I was dumb enough to call them from the letter, they got my phone number. They call me XXXX or XXXX times a day. I asked them what was the amount of the debt and they tell me XXXX that is current. I say ... current from 1986? These people continue to fish for more and more information. I am actually scared these people will continue to try to get info from me and try to get more info and use it against me. 

ABC FinancialXXXX XXXX XXXX, AR XXXXXXXXHow can we stop them? What are my rights?

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX my mother ( XXXX and XXXX ) refinanced the mortgage the house through XXXX. This was sold to her by an aggressive mortgage broker using a interest only negative amortization loan, which I advised her not to due, because these were bad products. 
XX/XX/XXXX, I took title to the property and to refinance the loan. The bank ( now XXXX XXXX XXXX ) then started to return the Mortgage checks. I was then subject to foreclosure proceedings. In the midst of the mortgage market implosion. 
Them HAMP was made law and I met with a representative of XXXX and supplied them with all of the info that was required for a Loan Modification. When I called them back they never responded. I then received a letter offering HAMP and I faxed the info to the XXXX Office in XXXX, following up with them they advised they lost all of my paperwork. I was then advised by XXXX to send the package to their XXXX office which I did and followed up. But it was again lost. 
I was then served with Foreclosure papers that were fabricated by a foreclosure mill in XXXX and filed in the XXXX County XXXX Court, via an Attorney how was sued in XXXX County for filing false paperwork and was forced to cease operations. I now was being " Double Tracked, '' The interest and fees were increasing, they added on late fees and Forced Placed Homeowner 's insurance. 
Then everything went silent, as XXXX sold the Mortgage to Select Portfolio Services based in XXXX. Oddly enough the attorney group that was shut down earlier, then restarted their operation under a different name, XXXX XXXX XXXX. Literally the same guys. 
I have filed Mortgage Modification papers with SPS on 4 different occasions. Each time they ask for additional information and it is supplied. We have had at least a half dozen meetings ( Follow up Conferences as directed by the court ). 
This brings us to the end. I now have 45 days before the Stay on foreclosure will be lifted and the foreclosure will proceed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was recently enrolled with Navient loan forgiveness program last year 2016.i had several loan accounts that I was told that would be consolidated into XXXX account. although a couple of payment have been missed. 
Navient went back on my credit report, and in Just one month alone my credit score dropped over XXXX points. and pretty much murder my credit by hard hitting all the accounts instead of just that XXXX I was told it would be consolidated into. this literally happened right after I enrolled into Obamas newest loans forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was not made aware of this debt from XXXX Check N Go until I received an alert on XXXX that my credit had been adversely affected. This is NOT my debt. I did not take out this loan. I believe it was my either my mother or ex husband XXXX XXXX, who at the time was still my husband and was privy to all my information to apply for this loan online. I have asked the collection agency to provide documents with a hand written signature to show, as I am certain I did not apply for the debt in the amount of {$6100.00} XXXX XXXX Check N Go. They have not responded to my requests to provide documented evidence regarding the owner of the debt. An electronic signature is insufficient to prove it is my debt as my then husband and I had joint accounts, used the same computer, and thus would have the same IP address.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I believe my credit report created and maintained by Equifax Information Services LLC and/or its affiliates continue to cite errors with respect to my personal information ; to wit : incorrect and invalid property ( situs ) address. XXXX are CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My bank will not cancel my PMI on a 30 year conventional loan despite a proper request. I first requested it be cancelled several years ago and I understood I had to have 20 % equity. We paid about {$500.00} for an appraisal and it was around the 20 % equity threshold. We received a letter rejecting our request from the bank stating we needed 25 % equity. Where did this arbitrary threshold come from? We had no known recourse. 

Second, I recently again requested PMI be cancelled. We paid about {$500.00} for a 2nd appraisal and this time we clearly have at least 20 % equity. However, in the interim, and for the first time ever in the almost 10 years I 've had this loan, we accidently paid the mortgage 1 day late. Let me explain - my daughter was very ill and we were focused on that and did n't pay on time. I realized the error on the last day of the month ( payment is late if it is not paid by the end of the month due ) and called the mortgage company to explain what happened and went online and paid that day when it was still timely. However, it was already in the evening and the payment could not be processed until the following day, making the payment 1 day late. Based on paying 1 day late we now have to wait an entire year before we can again request PMI can be cancelled so that we have a year of on time payments. I called the bank and asked them to reconsider as a courtesy and explained it was a one-time error due to extreme family circumstances ; I posted a payment timely, called to explain the situation and explained the situation online, but the payment did n't process until the following day. They declined and are still requiring we continue to pay PMI. 

Through paying for 2 appraisals and the continued cost of the PMI for at least another year, we are out about {$2200.00}.

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 11/23/2015 about Credit card () with CITIBANK, N.A. (MN).
Issue: Other

Complaint: Had to quit my XXXX at XXXX due to XXXX due to the issues. XXXX hospitalized quite often. I am XXXX years old and on limited and fixed income and struggle with the resulting XXXX results. I had to quit before bills such as credit cards were paid off. I am being harassed by a collection company who does not believe me and says I can pay them in spite of my limited income when medicines are increasing, etc. I wish they would stop harassing me for something I can not do for them. The calls and shaming tactics are painful and cause XXXX XXXX to spike over XXXX. Other situations cause it as well, but talking with them and worrying keeps the bp way too high constantly. I do not know how to get them to leave me alone. I would file bankruptcy, but attorney fees way too high to pay. My health has to be number one.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX I made my XXXX mortgage payment ( XXXX ) on line with Chase Bank. On XXXX, I received a notice from my bank ( XXXX ) that my checking account had a negative balance of XXXX. I reviewed my account and Chase Bank had taken out XXXX payments, instead of XXXX. I contact them on XXXX and was told that XXXX could not be credited back the same day. But it would be back in my account on XXXX on XXXX the funds had not been put back into my account. I contact Chase and was told that, because the entire amount of XXXX was not being return, then I would have wait for a paper check to be sent out. I advise the associate to transfer me to a manager, she confirmed that her manager would speak with me, but she was ending a meeting and would take the call. She then came back and advise that her manager advise her that she would need to call me back. She provided me her manager 's phone number XXXX, but I did not understand the name. I then left a voice message for the manager, as she had requested. I called the manager back and received her voice mail again, I explain to her that my account was in negative and that I need to confirmed that funds would be credited back to me today. I then advise that I would be filing a complaint with the CFPB and that I would also being sending an email to the CEO.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2015 about Debt collection (Medical) with PMAB,LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: PROFESSIONAL MED ADJ BUR is trying to collect {$430.00} & {$260.00} from when I was pregnant and had XXXX. I have given them my XXXX card # and told them that I have medical assistance then.

Company response to consumer: Closed with explanation