milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have requested that Bayview Loan Servicing correct my credit report with all XXXX credit reporting bureaus beginning XXXX. Thereafter, XXXX reported my loan as closed on XXXX. This dropped my credit score and stopped me from refinancing my mortgage. I sent another letter to XXXX via certified mail on XXXX. On a phone call with XXXX on XXXX the company rep stated my file would be corrected with the credit bureaus by XXXX XXXX. This has not happened. I received a letter from XXXX dated XXXX indicating they would correct the information they are reporting to the credit bureaus. I received a XXXX report from XXXX reflecting that XXXX changed some information but it is still being reported erroneously as settled in XXXX bankruptcy with no balance and incomplete payment history. I have made countless phone calls with no results. XXXX sent a letter stating that my loan would be transferred to XXXX XXXXXXXX XXXX on XXXX XXXX, XXXX. I feel that XXXX has prevented my re-financing of this mortgage through repeated erroneous reporting. I have attached my most recent letter faxed and e-mailed to them today with supporting documents of previous letters, credit file information, etc. I am requesting that this matter be resolved asap as the error is causing me financial harm. Bayviews actions are clearly in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am dealing with identity fraud where the person has put an address on my credit report. So far i 've had XXXX inquiries on my experian account despite freezing my line.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with ALLY FINANCIAL INC. (MN).
Issue: Money was not available when promised

Complaint: I switched to Ally Bank in XXXX. I had some cash I wanted to deposit so I deposited them to my wife 's account ( at XXXX XXXX ) and had her write me the check for the said amount. Then the problems began : 1 ) I tried to deposit the check for {$1700.00} with Ally XXXX app. 
2 ) The app malfunctioned and deposited it twice. 
3 ) I immediately called the Ally customer support and asked to ignore/cancel the second transaction - they assured me they will. 
4 ) Both transactions still go through onXX/XX/XXXXand put my wife 's account in overdraft. 
5 ) I call Ally again and ask to reverse the second transaction. They say " no problems, money will be back in 2-3 days ''. 
6 ) Ally withdraws {$1700.00} from my Ally account on XX/XX/XXXX 
7 ) A week passes ; the money never reaches my wife 's account. 
8 ) I call Ally every 2 days. Customer support assures me they are on their way. 
9 ) After 10 days of arguing they tell me that the ONLY way for my wife to get the money back is to open a " paid case through XXXX '' via her bank. They absolutely refuse to return the {$1700.00} to either mine or hers accounts in any way. 
10 ) The branch manager at my wife 's XXXX XXXX tells us that he has never heard of the " paid case '' and can escalate it to the fraud and investigations department at XXXX XXXX  on the XX/XX/XXXX. We have had no updates since then. 

Summary : Ally keeps my {$1700.00} without any reason and refuses to return them. They literally told me : " If you want your money back from us, you will have to open a case against us. '' We are both graduate students and my wife is not working. My monthly wage is about {$1800.00} and Ally bank has taken my monthly wage without any explanation, warning and refuses to return them. If not for my savings and help from parents we may have ended up homeless.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (GA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Barclays is unwilling to allow me to share my own personal financial data with other companies. I have the right to share my own financial data.

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 09/19/2016 about Debt collection (Auto) with Investment Retrievers, Inc. (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: In XXXX 2011, I was involved in a car accident. The car was financed by XXXX. During that time, I never received any documents that the car was being sold for scrap. The car debt was sold to a collection agency. it is now with a new collection agency and the agency is threatening to sue. However, I have informed the agency that I did not receive any information from XXXX about the debt or car being sold. The agency has also refused payments. 
Recently, the debt was removed from my credit report and added back on multiple times. I have provided proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Vehicle loan or lease (Loan) with Westlake Services, LLC (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: XX/XX/XXXX - Buy XXXX XXXX from XXXX XXXX XXXX and Westlake Finance as the financing company with {$6400.00} Amount Financed 10.15 % APR, 36 months to pay with a Financed Charge of {$1000.00}, Total payment of {$7500.00} and payment of $ XXXX/month for 36 months beginning XX/XX/XXXX XX/XX/XXXX - cancelled the extended warranty worth {$1300.00} So now the Principal Amount/Amount Financed was reduced. 
The WESTLAKE FINANCE told me to pay the same amount $ XXXX/month, nothing has been reduced, so I asked them to send me a new updated accounting but until now nothing. 
What I understand is my payment of {$200.00} have a fixed rate, meaning fixed monthly Finance/interest charge and fixed monthly Principal amount, but every month said interest and principal amount keep on chaging. Again I asked them thru email to explain. 
I have made 4 monthly payments already and the account statement that they are sending have different amount in interest and principal, and until now they have nit sent me an updated account where I can see how long will I pay and the adjusted amount and every important details that can be easily understand.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: APR or interest rate

Complaint: My Capital credit card account my payment went over XXXX from may i cant keep on paying this amount i was charged 44.70 % for purchases and cash advances.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit card () with DISCOVER BANK (LA).
Issue: Payoff process

Complaint: I signed up for 3 automatic payments with discover card to bring my account current. After 3 months i was sinstructed to call in or make manual payments. After the 3 months my account was not current. I asked why. Discover said that i didnt get the full amount credited to my balance because i had been a part of the program the prior year. Therefore the interest and late fee charges still applied. AboutXXXX of XXXX dillars was going to my past due balance. When i complained, Discover told me there was nothing they could do.XX/XX/2016 money was automatically withdrawn from my account. Now XX/XX/2016 XXXX dollaars was taken from my account. When i call to complain they also tell me tbere is nothing they could do because there was no notation in the system stating that i wanted to stop payments. However the original agrement was that i only pay for 3 months automatically and then i would switch to manual payments ( hence no automatic payment occurring XX/XX/XXXX ). Im HIGHLY upset.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I lived in the same apartment from XX/XX/XXXX to XX/XX/XXXX. It was called the XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX it was purchased by another company. All of my rent payments were made on time, and I owed nothing to the XXXX. 
In XX/XX/XXXX, I discovered that a collection agency ( National Credit Systems ) had put on my credit reports that I owed the XXXX XXXX XXXX {$6600.00}. As soon as I discovered this entry, I attempted to contact National Credit Systems, however my phone calls went unanswered, as did my emails. A certified, return-receipt letter was returned as refused. I have been unable to get information from them about this " supposed '' debt. 
The company that took over the XXXX XXXX XXXX, known as XXXX, attempted to double-bill me for rent on four occasions ( in XX/XX/XXXX - XX/XX/XXXX ). Each time I presented a cancelled check, and was told " there must have been a mistake. '' [ Side note : dozens of other tenants at the apartment complex also complained of being double-billed. ] XXXX ledger, which I asked be provided to me, shows my rent payment being credited to another tenant on one occasion. On 12 other occasions the ledger shows my rent paid on time, yet being charged up to {$250.00} in late fees per month, of which I was never informed ( this over the period of more than a year ). 
I have never been informed that I owed money - late fees or otherwise - or I would have approached the property management and have it straightened out immediately. 
In XX/XX/XXXX I was told by XXXX that the dispute of the information from National Credit Systems Inc had been completed, and that this information had been deleted from my Credit Report. In XX/XX/XXXX, while applying for credit, I was informed that my Credit Report had a large negative item on it. I requested and received a Credit Report from XXXX, and discovered that the information from National Credit Systems Inc had been added back into my account, and dated as being reported on XX/XX/XXXX. 
National Credit Systems has never made any attempt to contact me.

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 07/20/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian has repeatedly violated my rights under the FCRA as well as the XXXX. Below is a list of violations which should suffice for cause to investigate Experian : 1. ) I submitted a written dispute via certified mail which was received by Experian on XXXX, and in violation of the Fair Credit Reporting Act Section 611, Experian never provided written response to my dispute. 

2. ) I submitted a written dispute via certified mail which was received by Experian on XXXX, and in violation of the Fair Credit Reporting Act Section 611, Experian never provided written response to my dispute. 

3. ) I submitted a written dispute via certified mail which was received by Experian on XXXX regarding a data furnisher XXXX who was including my SSN in the account number of an account on my credit report, which does not comply with XXXX guidelines in the XXXX Credit Reporting Resource Guide ( CRRG ) ( which is aimed to protect my rights under the Gramm Leach Bliley Act 's Safeguard Rule ) of protecting my non-public personal information by ensuring my SSN ( in whole or in part ) is not unmasked within a tradeline 's account number. I stated if Experian did not respond to this dispute ( as they had not the last 2 times ), I would file a complaint and sue. Experian replied, and did not comply with XXXX guidelines aimed at complying with Gramm Leach Bliley Act 's Safeguards Rule, and mask/scramble my SSN in the account number. My account number has not been updated, and my SSN is still unmasked in the account number in part for that account. 

Due to multiple violations of my rights under both the FCRA and XXXX, I 'm reporting Experian as a major offender of consumer rights. It is also my strong contention that Experian is NOT verifying information with the data furnisher as they are required via the FCRA through the XXXX system. My contention of this is due to the fact that 1. ) They have provided no proof they have submitted an ACDV to the data furnisher XXXX to verify/update my account, and XXXX. ) Any disputes of this particular account through any of the other credit bureaus ( XXXX, XXXX, and XXXX ), have indicated that XXXX has NOT RESPONDED to the XXXX, leading to a deletion of the account. 
Therefore, pending proof of Experian 's XXXX record of disputing this account with the data furnisher, I content they have not verified my dispute with the data furnisher, for which they are required to do per the FCRA, and in turn significantly violating my consumer rights under the FCRA rights. Otherwise, due to no response from the data furnisher, this account should have ultimately been deleted. 

I can supply documentation for all of the above upon request.

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 01-08-2018 about Debt collection (Medical debt) with Franklin Collection Service, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Franklin Collection has refused to remove debt from my credit file after I sent them numerous letters certified mail detailing that those debts are not mine. I have sent paper work with Affidavits and police report that the debt was n't mine but they refuse to remove it from my credit file. They are refusing to remove the illegal debt. I told them several times it was n't my debt but they insists on trying to make me pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Customer service / Customer relations

Complaint: Capital One continues to report business account and further states that I am personally liable for charges. No information supplied by Capital One to substantiate account ownership

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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 trying to correct this entry since  XXXX     2017  with the collection agency and the letter was returned to me undelivable. The credit bureaus keep telling me it was verified but how can it be verified when the letter was never delivered and the investigation started in  XXXX     2017  and continues now  XXXX   2017

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 02/25/2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: In XX/XX/2016 I traded in a XXXX Toyota Prius for a new XXXX Prius at an APR of 1.9 %. My payments were approximately $ XXXX/month. Today I looked on line at my account. Toyota 's system was down today but there was information available that I had not seen before. There was a schedule that showed my payment broken down by 1-payment, 2-principle, 3-interest. The interest was {$43.00} per month for the payments that I have made. This does not calculate to 1.9 %. This is not seen in the restarted Toyota webpage. I looked at my contract and there is a statement saying that I am paying " simple '' interest. This is defined in the small print. What I discovered was that there is an amortization schedule that shows what the quoted APR of 1.9 % is if the loan is carried out to the end of the 60 months. Most of the interest is front loaded just like a home mortgage. This is not disclosed at the time of sale and no amortization schedule is offered at the sale. In fact the only amortization schedule is a sample one on their webpage. I am concerned that this is a way that Toyota is causing people to unknowingly become underwater on their account when they go to sell/trade in their cars before the end of the contract, especially in the first 3 years of the contract when the actual percentage of the financing can be as high as 10 %. Toyota does not say that the 1.9 % APR is calculated over the lifetime of the loan, not as is implied as a yearly APR. Incidentally XXXX discloses on all their monthly statements the amount of money going towards principle and interest. Toyota does not. These types of loans require disclosure of an amortization schedule at the time of home purchasing and the automobile companies should be held to the same standards. Unfortunately I do not have screen captures of the Toyota webpage when it was not functioning correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX I sent disputes to Transunion regarding credit reports that were n't validated and needing to be removed. They were removed on XXXX XXXX per XXXX just to be placed back on XXXX XXXX. I 'm reporting the following XXXX These are the XXXX that were removed on 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
Consumer complaint received 08-10-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a conference call with the underwriter and my Lawyer, I told her and my lawyer many times before that I am TAX EXEMPT, Chase did not finalize the payment to reflect the changes needed to show that I am TAX EXEMPT. The payment they want is XXXX when my original payment was XXXX. The economy caused this by laying me off in XXXX XXXX. 
Chase did nothing to give me an affordable PAYMENT, I have heard that many mortgage companies will get rid of some or a lot of rear-ages. Chase could have decreased my rear-ages quite considerly so that I could have an AFFORDABLE PAYMENT, Instead Chase said that I do not qualify for XXXX. Chase said that I only qualify for XXXX XXXX 's standard modification. Chase did not send anything to myself or my lawyer stating how much what payment schedule it is when it was do they only verbally sent it. I was waiting for the change to the payment to reflect my tax-exempt. Here it is XXXX XXXX, XXXX and I still have not heard anything as to or been given anything as to the payment change for my tax-exempt, my lawyer called today and spoke to representative not the underwriter that we talked to and he said that I need to make the {$1800.00} payment by the end of XXXX to reflect XXXX payment. Then I have to make another payment by XXXX XXXX. I do not have that amount of money since I am on XXXX. They gentleman also said that it was too late to change the MODIFICATION and that they will give me credit or a refund, they want me to make at least XXXX payments, I have other bills to pay that are due and will be missed because of Chases way of handling there screwed up way of doing good things. I would not have been so far in the REAR-AGES IF CHASE EXCEPTED A PARTIAL PAYMENT SINCE I WAS LAYED OFF IN XXXX. THEY TOLD ME " NO '' WE ONLY WANT THE FULL PAYMENTS. The first payment should be changed to XXXX XXXX not XXXX XXXX WITH THE CORRECT CHARGE TO SHOW THAT I AM " TAX EXEMPT ''. I GET MY XXXX CHECK on the XXXX Wednesday of every month. I will make a payment reflecting the change SHOWING my " TAX EXEMPT ''. Chase should be held accountable for the way they do things. I do n't want to hear about GOVERNMENT STANDARD, AGAIN, I SHOULD NOT BE HELP ACCOUNTABLE FOR THERE MISTAKES. I COULD WRITE MORE, BUT I THINK THIS WILL GET THE WORD SPREAD AROUND. 

I WANT THIS SENT TO THE PRESIDENT OF THE USA, THE TREASURY DEPARTMENT, THE FEDERAL TRADE COMMUNION. IF NOT I WILL SPEND IT MY SELF. I WILL COPY ALL COMPLAINT AND SEND IT TO THE AGENCIES ABOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Consumer Loan (Installment loan) with loanDepot.com, LLC (CO).
Issue: Shopping for a loan or lease

Complaint: I was told by XXXX XXXX that I could get a lower rate on my mortgage. While I was talking to loandepot to find out how much lower my rate could be, they put me on hold and did a had credit inquiry without my permission. I can not get it removed from my credit report now and it lowered my credit score for two years. Loan Depot does not respond to my calls or complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation