milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IL).
Issue: Taking out the loan or lease

Complaint: Under Complaint Number CFPB complaint number XXXX I, XXXX XXXX XXXX will like to add a new complaint against GM Financial, their address is XXXX. XXXX XXXX, XXXX XXXX XXXX. GM Financial brought my car loan from AmeriCredit several years ago under Account Number XXXX. The product of this loan number has been reported as a deficiency to National Highway Traffic Administration reference number XXXX ; also reported to the Federal Trade Commission under XXXX, and also it combines to substantial ground with Federal Trade Commission Report # XXXX that clarifies incident of identity fraud. This loan was also reported with Police Report Number XXXX to Experian Credit Bureau Report Number XXXX. Report is being followed up with the U.S. Supreme Court XXXX in which XXXX XXXX XXXX is involved with this loan which is reported as a deficiency. The product was sold to me with hidden damages which I was not aware of at time of Purchase in XXXX XXXX. I have tried to resolved this issue with G.M. Financial in it is off of my credit report but the issue is that G.M. Financial is demanding money from me for late fees due to the fact that investigation is going on against the XXXX XXXX of this product. G.M. Financial will not release a Title Lien or Title of the product. The product is clarified as being paid on all three credit Reports so G.M. Financial should release Title to in correspondence. The information of product is a XXXX Ford Taurus the VIN Number is listed on the National Highway Traffic Safety Administration Report. Note : There was a VIN Error Certification filed as part as investigation. I, XXXX XXXX XXXX resides at XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. I can be reached at XXXX for further questions. The investigation is still pending for review. I XXXX XXXX XXXX desire the will of the greatest, the best, and everlasting within my civil rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ProCollect has an incorrect line item on my credit report with XXXX that I disputed in 2011 and they refuse to remove it. The person 's name is XXXX XXXX ... that is NOT my name. 
Procollect , Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX mapOffice : XXXX or XXXXXXXXFax : XXXXXXXXCorrespondence to Collectors : XXXXXXXXCorporate DirectoryXXXX XXXX - PresidentXXXX XXXX - Vice President / Director of Recovery OperationsXXXX XXXX XXXX Client Services ManagerXXXX XXXX - IT Department Manager

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: on XX/XX/XXXX while shopping for airline ticket Delta lured me to apply for DELTA Gold Skymiles American Express card by offering free 1st bag checking plus {$150.00} statement credit if I apply for the card buy the ticket using the card. I applied for the card but when I continued the check out process I was surprised that there was no option to use the card that I had just applied for. Instead I had to complete the purchase using other credit cards. Instead of completing the checkout I contacted American Express and explained the situation and asked if I get the benefits if I buy the ticked using other card if I get approved for the DELTA Gold card advertised and was told that to get the benefits I have to be approved first and actually receive the card in the mail to use it. So I decided to wait. However, this was my second surprise because it took only seconds in the past to be approved for American Express Gold, for XXXX and other cards that offer their applications online with immediate use after the approval. While representative from Amex told me that their approval may take 3 to 4 business days.
So I took the chance of tickets not being available at a later date and decided to wait for a new card. When online status showed " In Progress '' a week later I called American Express again and was transferred to their new application division. They told me that because of the technical glitch it will take another 48 hours. This was on Friday,XX/XX/XXXX. And the promise was given to me by the floor manager XXXX XXXX When I called back following Tuesday,XX/XX/XXXXXXXX XXXX said that they still have a technical issue and many applications for DELTA Gold are being held and promised final decision in another 18 hours or by XXXX XXXX  Wednesday, On Wednesday the status online was still " In Progress '' and when I called XXXX XXXX was not available. As of today,XX/XX/XXXXthe status still shows " In Progress ''. I find it hard to believe that it takes such a long time for American Express to approve or disapprove an application while other companies are doing this in seconds. I find it even harder to believe that American Express will take more than 2 weeks to fix a technical glitch if it is a technical glitch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Risecredit, LLC (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This debt agency keep calling my telephone number day and night harassing about this account. I stated to them that I was n't working and had lost my job in XX/XX/XXXX but it like they do n't care what I say and keep calling my telephone like I am going to do a magic trick to cough up some money.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: Macy 's credit company card removes your card from automatic payments without your permission. When you setup automatic payments they arbitrarily removes it from automatic payment with no notification or warning at all, so they can charge you late fees. When asked they blame you as the customer saying you should check your automatic payments every month. But how will you know it 's off when you have been paying automatic for years? The purpose of auto-pay is so you do n't have to check constantly or worry about your payments. Your debit card is in good standing and money is in your debit account, only Macy 's decide to take off your auto-pay and not inform you it 's off so you can know what to do. This is some real shady stuff and I am very upset about this. They also refused to waive the late fees even though I have been with them for several years and have never been late once. I spent 2 hours on the phone with a rude agent that made me feel real bad until I had to escalate the call.They made it so two months worth of your bill is due at once. No remorse to fix that. And another issue with Macy 's credit cards is that they charge you interest/fees for paying off your monthly balance on time! Who does that? Penalize their customers for paying off their bill? Yes, Macy 's. It 's all about getting unearned money from it 's customers. Trying to mess up their credit report and just being plain crooks!

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 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: My father XXXX XXXX suddenly leaving no will and many debts, I was on XXXX, I have now been able to get a job, but I still have lawyers and other debts from my father 's XXXX. I have explained this to Capital One, I may be filing bankruptcy, but I am trying to avoid this. Even so Capital one calls at XXXX XXXX, with a recorded voice, a woman named XXXX , I work odd hours, so the calls wake me up, they even call on Sunday. They refuse to give me sometime to get my finances straight.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have loans with FedLoan. I requested a new repayment plan beginning XX/XX/XXXX. I have called every month requesting information regarding the status of my loan. I was told that they were having trouble processing applications due to the amount of requests. But during this time I had to place my loan in to forbearance, gathering interest. I called back again and they told me that it was processed but I needed to take further steps. I completed these steps and the representative told me that I would receive something in the mail with in a week. I called back again and was told that it would take one to two billing cycles to complete. I had to extend my forbearance again. I called a month later and again was told that it would be another month before I could make a payment on the new payment plan. I was informed by this representative that I was misinformed by the last representative I spoke with. It has been four months since I first submitted my request, and have been told that it could be two more months before I start payments. That would be approximately 6 months of interest being gathered during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MT).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: i repeatedly tried to contact midland funding llc about a settlement of a XXXX credit card bill they never returned my calls are contacted me instead they turned it over to a law firm for legal action i contacted the law firm after numerous attempts finally got ahold of someone and made arrangements to pay XXXX to settle this account which i feel is a ripoff of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX # : XXXX I am an ongoing victim of identity theft and the XXXX Equifax cyber security breach. 

I received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX. This letter indicated that I requested service at XXXX, was subject to a credit check and was furnished with a result indicating the need for a deposit to further guarantee service. I have no accounts registered in my name with XXXX and I have not requested new service with XXXX at point in recent time. 

This report was generated from : LexisNexis, XXXX XXXX XXXX ATTN LexisNexis XXXX XXXX XXXX, GA, XXXX ( XXXX ) The actual date of the consumer report was XXXX/XXXX/XXXX. 

The score was impacted by " incomplete information on file and identity elements not fully verified at the time the report was requested ''. This was an unauthorized request, and since verification information was missing, this was an incomplete request using stolen information from my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion has an inaccurate account on my credit report listed as a bankruptcy. I disputed this account with Transunion on several occasions and they did not send my dispute to the listed furnisher of information within 5 business days as required under FCRA. I wrote a letter to the US Bankruptcy Court, that Transunion has listed on my credit profile to question them about verifying the inaccurate account and communicating with Transunion. The US Bankruptcy Court responded to my letter on XXXX XXXX, 2016, and stated that " We do not provide specific verification of any data with any person outside the federal government ''. The letter goes on to say that credit bureaus access XXXX to lookup bankruptcy information. This evidence shows that ( 1 ) Transunion did not contact the courts about my dispute as they are required to do under the FCRA, ( 2 ) Transunion is listing the courts as the furnisher of information when they clearly are not. The bankruptcy is not accurate and it should be removed

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 06/30/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I have been a victim of identity theft, I have never opened these XXXX accounts. Already spoke with creditor who are aware and will be removing

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX/XXXX XXXX with a balance of $ 2000+ is fraudulent and I wish to have it removed. 



XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CT).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Wells Fargo Credit Card opened in my name without my permission or knowledge, person ran up over {$50000.00} in debt before I became aware of the problem, canceled the card immediately upon knowledge. 
Wells Fargo refused any help with the matter, this was during the time period of fraud the CFPB fined Wells Fargo {>= $1,000,000} but before the problem was made public. 
I 'm looking for restitution and penalties and restoration of my financial credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CO).
Issue: Using a debit or ATM card

Complaint: Chase Debit CardCancelled without notification or reason. 
See Attached Statement

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (Conventional fixed mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: When I began to refinance for my house last year, I was told that after the refinance was done that I could have my insurance and property taxes impounded monthly in an escrow account WITHIN A MONTH AFTER THE CLOSING OF THE REINANCE. After almost 6 months, I 'm getting the run around by the insurance company, which just asks for more time, and no results have been forthcoming. We paid for the taxes and insurance, but there does not seem to be any good faith effort to get back to us in establishing the impound account for Cashcall account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Client was XXXX he is a veteran, while XXXX payments were being automatically withdrawn by his mortgage company. He all of a sudden received a letter saying his loan was going to be foreclosed due to non-payment. He was still XXXX did n't have the resources or time to fight this issue so filed bankruptcy to save his home. He was paying additional to the loan, but still has a delinquent amount of over {$22000.00}. He has been trying to work with his mortgage company but then his loan was transferred, so he continued to try and work with the new mortgage company. They both keep sending him back and forth to get one to investigate and fix the issue, but neither are looking into it and do n't see a problem and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Settlement process and costs

Complaint: I recently received a mortgage modification decision from my mortgage servicer ( Bank of America ) after 4 months of making trial payments to qualify for a mortgage modification. I had requested a mortgage modification after inquiring about not being able to refinance my home loan due to the property value being less than the mortgage I was paying. ( Under Water Homeowner ) The decision I received in the settlement from BOA reduces my mortgage {$350.00} per month and the interest rate changes from 5.25 % to 4.375 %. However, the term of the loan is now going to reset to 30 years and way they are lowering my payment is by taking {$40000.00} of principal out of the home loan and putting that amount at the end of my 30 year mortgage as a balloon payment that must be made to HUD. I can not afford the mortgage currently and I can not refinance the loan because I have no value in the home, so what makes BOA think I will have the {$40000.00} balloon payment at the end of my 30 year term and not offer me any other solutions other than a " take it or leave it '' deal? BOA is not offering any relief other than moving some of the money around to make it look like the payment is smaller, but in reality I still owe this money on a home that is currently worth LESS than my loan. I qualified for all of their criteria for assistance and what they are offering me is a dead end in my eyes. BOA never disclosed any of the information about a balloon payment as a modification solution when the assistance process started. Had I known, I would have refused this assistance and requested other options. I feel this is deceptive on their part and not cooperative with me, the consumer. I also want to note that I was current on my home loan at the time this started and BOA suggested this in order to help with a refinance and instructed me NOT to pay my current mortgage once the modification process started. I feel like I 've been railroaded into a situation that I wo n't be able to find a solution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2016 about Credit card () with U.S. BANCORP (WI).
Issue: Billing disputes

Complaint: The credit card company representative told my wife that I have a bill that is past due on XX/XX/XXXX but I have not received a statement of the charges from the credit card company. I need an itemized statement of the charges they are requesting payment for. I do not do computerized statements. I am not sure how much money has been lost or when the loss occurred because I have not yet received a statement of charges. 

Secondly, my wife ( XXXX XXXX ) has been authorized on my credit card account for over a year. My wife informed the representative that we have not yet received a statement/bill and requested them while I was driving on XX/XX/XXXX ( see case number : 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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX- I disputed a XXXX account when I noticed it on my credit report. XX/XX/XXXX/ Early XX/XX/XXXX- I received a phone call from a debt collector stating that I owe {$1100.00} to XXXX. I told the debt collector that I 'm disputing this debt and submitted in writing for them send me information for this debt to which I never received. XX/XX/XXXX- I pulled my credit report and saw this debt was still being reported to both XXXX and Equifax . Again, I submitted a dispute to both credit bureaus requesting more information about this debt and I still have n't received. XX/XX/XXXX- I checked my credit report again and not only is this item still on the same two credit reports but XXXX re-aged this account to make it appear more recent. As a result, this account is showing on my credit report as 1 month past due, a charge off and my credit score dropped at total of XXXX points on XXXX and Equifax. I 'm not sure how this can be especially considering that this account has been in dispute since XX/XX/XXXX. Negative re-aging completely illegal and is in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I request your help in enforcing your action against XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX, Case File No. XXXX. 

I recently began the process of buying a home, as part of a background check it was discovered that there is a judgement against me by Chase Bank through XXXX County Superior Court Case No. XXXX dated XXXX/XXXX/XXXX in the amount of {$3600.00} I was shocked to find this judgement because I was never served a Summons and was totally unaware of any legal action against me. 
XXXX Court records show that Chase Bank submitted a Proof of Service Summons and  Complaint saying that on XX/XX/XXXX they served me at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, this is not possible because I moved from this residence in XX/XX/XXXX 

So, I began looking into this and found your action against Chase Bank. 

The action ( Case File No. XXXX ) which addresses all Chase Bank credit accounts in Collections litigation, etc. that were pending anytime between XXXX XXXX XXXX and XXXX XXXX XXXX, clearly states that Chase Bank was involved in exactly the type of activity I have found myself a victim of. 

Please see paragraph 76 c. of your order of XXXX/XXXX/XXXX. 

I request your help in demanding that Chase Bank immediately take any and all necessary steps to remove this judgement from the court records. 

I have attached all XXXX County Superior Court records I could find. and ask you to also refer to your action against Chase Bank as listed above. 

thank you, XXXX XXXX

Company response to consumer: Closed with explanation