milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Ally Financial lease car returned XX/XX/XXXX. Third party inspection @ XXXX of XXXX dealership noted returned vehicle passing total condition compliance with noting no damage. Ally representative informed me that my balance was {$0.00}. That day, I purchased a new lease through Ally 's sister company, XXXX XXXX, at same dealership. Today, XX/XX/XXXX, I am the primary signer on a new XX/XX/XXXX vehicle purchased at same dealership, with top-bid approval incentives for financing through Ally Financial.

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 10-06-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company is calling me regarding a debt from XXXX for The XXXX. They repeatedly are calling me constantly even though I told them I am out of work and can not make any payment at this time. This is a series of multiple calls I am getting on both phone numbers of XXXX and XXXX and I am getting robo-calls constantly all day long when I am trying to look for a job. The calling usually starts at XXXX in the afternoon and I think this is a tactic of harassment towards me by someone that is purposely bothering me. It is apparent they have gotten into my credit file and the calls started when I was laid off. The robo-calls are constant and not from the same company and I put a alert on my credit file as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced with PennyMac in XX/XX/XXXX. I signed up for bi weekly payments in order to reduce interest and shorten the term of my loan by making an extra payment every year. In XX/XX/XXXX, I requested that they suspend a payment so I can keep the principal only payment. The payments continued to come out of my account. As of XX/XX/XXXX, the bank has mismanaged my payments and suspended payments causing multiple problems with my account. My principal and interest payments are incorrect and the account still has n't been resolved as of today, XX/XX/XXXX. I spoke with multiple reps, but just started keeping track of reps that I spoke to. On XX/XX/XXXX, I spoke to XXXX at ext XXXX. Then on XXXX XXXX, I received a collection call from XXXX requesting a payment. Then I received a collection letter dated XXXX stating my XX/XX/XXXX payment was never received even though I am on a bi-weekly payment plan. Then I called on XXXX XXXX and spoke with XXXX at ext XXXX who said she would request a complete analysis of my account from the first payment. I had a scheduled payment that was supposed to come out on XX/XX/XXXX that has not come out yet. As of now I am paid up for the month of XXXX, yet my account is still in the collections department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I contacted XXXX XXXX because I am going through a financial hardship. I asked them to settlement on this amount owed before I am not able to pay for it. The representative told me over the phone WE HAVE NO SETTLEMENTS TO OFFER YOU. I told the representative that I am reaching to them first before it gets too bad. But they were no help at all.

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 11-03-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: I am writing on behalf of my son, who was a former customer of Scottrade financial products. My son has been a victim of corporate green at Scottrade when his account got hacked and Scottrade refused to refund any of the stolen money. 

Today I am writing to express my concerns over Scottrade 's response to my son 's complaints. Recently, my son discovered that XXXX XXXX XXXX, a branch manager at Scottrade exposed my son 's personal information by accepting insecure emails. Roughly 10 days after the insecure email, my son 's account was hacked. 

My son has been trying to resolve this with Scottrade but Scottrade has resorted to harassment and will not respond to his complaints. My son asks simple questions and Scottrade responds in a manner that is dehumanizing.

Company response to consumer: Closed
Consumer complaint received 07-07-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX, Equifax , and XXXX have dropped my credit score after entering into a debt management plan to repay what I owe. These agencies have rate my credit as poor after XXXX XXXX has written off my debt as bad debt, but I still continue to make payments on my account and have never been late. I am asking the credit agencies to remove it as bad debt since I am making payments and never have been late to raise my credit score. I finally have identified a critical mass of people in the same situation to purse this legally ( with the assistance of a law firm willing to move forward ), but i was asked to pursue this avenue first.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (PA).
Issue: Managing the loan or lease

Complaint: I went thru a bankruptcy in the XX/XX/XXXX and at that time I had a car loan with GMAC who switched it over to Ally Bank shortly before that. Once we went into Bankruptcy we stopped getting statements and they shut my internet account access out so I could not track or even see any information in reference to our loan. We continued to make our regular automatic payments thru our bank. So, I got a call in XXXX out of the blue from Ally Bank stating I am behind on payments? I was confused and asked for a statement of my account so I could check on this and all they sent me was a payment run of all the payments since XX/XX/XXXX. No balance, no payoff amount listed, no late fees, nothing, just the listing of all the payments and dates the payments we made? So, I contacted Ally Bank back to discuss the balance and the payoff and they said I missed a payment at some point in the loan. Now keep in mind I have no idea when that could have been considering that I have n't had a statement XX/XX/XXXX and I was never notified in writing of any issues period! They said my payoff was almost {$400.00} more then what my calculated balance should be and they said OH there is late fees and compounded interest that I was being charged that makes up the difference. I told them at that point I was never notified in writing about any of this and asked them to send me a detailed statement showing all the extra money and fees they are trying to charge me and I never received anything??? I figured they realized they were wrong and had nothing to send. I tried calling them again but this was such a hassle because my husband is the primary borrower they needed his permission to speak with me every time I had to call because I handle all the financials. Now my husband XXXX who works nights and I work full time days and we are like two ships in the night passing by so coordinating these phone calls were nearly impossible and they would not talk to me otherwise! So, I honestly thought it was the reps on the phone mistake because they did not contact me again after that. Today I calculated all of our payments and I show we owe {$130.00} left on a {$31000.00} loan but the Ally rep on the phone said our balance is {$520.00} and this is {$390.00} more than what I should owe and she stated that we owe {$250.00} in late fees! And the other amount {$130.00} is interest on these fees!! How and why should I be responsible for any of these extra fees if we were never notified?! Because I would have taken care of anything back when they say this happened if I was notified and I would have avoided these fees! Just for the record the bankruptcy was not a personal bankruptcy is was a business bankruptcy and I continued to pay my bills as well as the business bills from our personal funds and we made good on my car and my house! How can they charge me fees for years and never notify us??!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: My lease started on  XXXX   XXXX  and it was supposed to end on  XXXX   XXXX  bu t GM Financial took me to collections o n  XXXX   XXXX  and my lease was only 10 days past due. I am the only person with an account with them that has been taken to collections and I was only 10 days past due not 40 days late they also extended my contract they state my next payment is due  XXXX  and I only had a 24 month lease contract.Is that legal I have signed documents stating when my contracts begin and end.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Debt collection (Mortgage debt) with Ditech Financial LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Despite being supplied information to the contrary, Ditech Financial LLC continues to attempt collection of a debt that was defaulted on by the original creditor. Ditech Financial LLC continues to report this debt to ALL major consumer reporting agencies. 
This debt was previously held by XXXX XXXX XXXX XXXX and it was extinguished in XXXX XXXX Case XXXX. ( Documentation attached XXXX Ditech Financial LLC has been emailed these details by our attorney, yet still persists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (WI).
Issue: Trouble during payment process

Complaint: I received a letter from Penny Mac stating the escrow would be sent to me in XX/XX/XXXXfor payment to local County to apply in XXXX. I never received the funds. I have called and repeatedly asked about the funds and been told it was sent to XXXX County, It was sent to me, and that it would be sent XX/XX/XXXX, overnight, with me receiving it onXX/XX/XXXX. I have received nothing. 

I called again yesterday, XX/XX/XXXX, and have yet to receive a call back from Penny Mac as to the status of the funds. The due date for the taxes in today, XX/XX/XXXX. I have already missed theXX/XX/XXXX tax season to pay the taxes in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Debt collection (Medical debt) with HOVG, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I reported this item to my credit report, i never new about this debt., nor is this debt mine, i have no knowledge of this amoit and account

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My Lender foreclosed on my home after I put it in bankruptcy. They told me it was being transferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My name is XXXX XXXX, I attended XXXX in XXXX, ca. 
I believe I have genesis loans from XXXX colleges and would like to know if they were included in the CFPB settlement.

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 05-09-2017 about Debt collection (Medical debt) with Professional Recovery Management (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: We are in process of buying a home where this debt continues to be re-reported even though it has been paid to the collection company.      Fox Collection ma de verbal promise that by us paying the debt, the debt would be REMOVED from all credit bureau 's. According to the my complaint filed yesterday, they have recordings.     We were very clear that there was NO value in paying a debt and it being marked " paid '' as that only increases my score by a point or  XXXX . As of today, their negligence to fulfill their end of the agreement made by paying off this debt has again caused my credit rating to drop nearly  XXXX  points.     Which additionally, this substantially impacts my mortgage rate. Furthermore, to-date, they have only marked paid,  XXXX  credit bureau which causes substantial discrepancies in my  credit score.      Additionally now, CFPB prematurely allowed this issue to be closed, when  in FACT it i s no where near closed.     FOX notes, they have a recording. They have NOT produced a recording where I was present when I heard my wife confirm the debt would be REMOVED. I DEMAN D FOX TO  PRODUCE THE RECORDINGS which clearly exits the call confirming they WILL REMOVE the debt.     Secondly, I 've provided PROOF, t hat FOX HAS NOT REMOVED THE DEBTS. They are still listed on   XXXX   and  XXXX  .     I 've reattached for this complaint.     I will be calling CFPB in the morning to ensure this is left open  until FOX co nforms and fulfills their agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am not responsible for this bill. This bill is from XXXX medical center and I never go there is always go to XXXX hospital. When I had my kids I went to XXXX. So I 'm not sure how they even got my information. And if I took my kids there which I do n't recall they had XXXX that paid they bill. I will like for this bill to be closed and deleted off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 03-11-2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Credit line increase/decrease

Complaint: This complaint is related to CFPB # XXXX and CFPB # XXXX - Details of this complaint are the same as outlined in the other above referenced complaint file numbers. This Chase card is for our business ( XXXX ) and it was opened with Chase however it is not reporting on XXXX so we are not sure what the source document that was used by Chase to make the decision to reduce our credit limits on this card. It has been open for a number of years ( over 5 ) the business has been established since XXXX. We contacted XXXX XXXX XXXX and they have a file however the file is empty because no one has been reporting XXXX to them. 
We have requesting a copy of the credit source document from Chase however as of the date in filing this complaint, we still have not received it. We also have not received a letter in writing tell us they have reduced the credit limit on this credit card - they only told us verbally in a phone conversation from XXXX, XXXX and XXXX. 
The reasons for the credit reduction ( as we were told verbally ) are all the same for the XXXX accounts we have with Chase. 
Again, we feel violated and insulted over this action and feel it is not justified. THESE PEOPLE LIED TO US AND WE WANT THEIR PROOF OF A LATE PAYMENT HISTORY ON 1 OR MORE ACCOUNTS IN WRITING. 
When I reviewed my XXXX credit report - the Chase XXXX credit card is not even showing on the report - so where are they reporting the credit rating on this account?

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: At This time, I am disputing what Beneficial HSBC had responded to my claim with. For the fact that i did in fact make my trial modification payments, and each time I was never notified. During the last time in 2014 i had even went through another Lawyers office. I have enclosed copies of each check that was sent in for the last modification showing that we did make the payments for 2014. Also If Beneficial does not participate in the XXXX or similar federal government-sponsored programs, why???? do Beneficial employee 's tell me when i have called or even when i received the information by mail to please call for to see if you qualify for XXXX Assistance or XXXX. 
Plus this is not to mention there are XXXX different names on papers that I received in the mail, and each XXXX had different answers for me when I talked with them, not to mention when my new wife did also.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Medical) with Io, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I did n't receive any information from this company yet it 's showing on my credit report. This is from 2010! I never received anything from them or from XXXX XXXX. I have found out that they should n't be contacting me because they never billed my insurance in 2010!!! The insurance company said they need to right it off since they never sumitted it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has reported a Collection account in the amount of {$1100.00} showing past due as of XX/XX/2018 on my credit report. I disputed this account with the credit bureau and XXXX XXXX XXXX XXXX refuses to remove it from my credit report. I called XXXX XXXX XXXXXXXX XXXX to advise the debt belongs to my son at the same address however with a different social security number, I offered my my social security number or my son 's social security number for verification and they stated it wouldn't matter because they don't have a social security number on file to verify. My son 's age is XXXX and my age is XXXX with different social security numbers. I have no other information to give them for verification and really don't think I should have to waste more time on this. This is egregious and I want this debt removed from my credit report immediately.

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 04/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have previously disputed the XXXX claim of a sum owed. I have provided XXXX with a copy of the receipt for returned equipment. There has been no response from XXXX, but this claim remains on my report, causing me to be denied credit. It is as best I can determine the sole blemish in my credit report. I wrote on XXXX XXXX, XXXX, when I still lived in XXXX, Virginia, to the XXXX XXXX Department of XXXX XXXX and XXXX XXXX to describe in detail my difficulties with XXXX. On XXXX XXXX, XXXX, I wrote to XXXX collection agencies, XXXX XXXX , XXXX and XXXX XXXX XXXX, to dispute XXXX 's claim. I also wrote to XXXX on this date, with copies to each of the XXXX credit reporting agencies. I wrote again on XXXX XXXX, XXXX, to another credit collection agency, XXXX, to dispute XXXX 's claim. In each of these letters I disputed XXXX 's claim and asked that its complaint be discontinued. I received no replies from any of the credit agencies, or from the collection agencies, or from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Closing/Cancelling account

Complaint: Barclays Financial canceled my credit card, because they stated that my credit score decreased. I 've been dealing with unemployment and have entered into payment agreements with all the accounts where I am delinquent. However, I have never been delinquent on the Barclays account. Can they cancel my credit card anyway? I thought they could not do that as long as I was up-to-date in paying them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX accounts that need to be removed from account. XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation