milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: I purchased my vehicle back in XXXX 2015 - My XXXX payment was due XXXX/XXXX/2015 - I made that payment on time payment was made in full by XXXX/XXXX/2015. I then contacted Ally the next day to request a ddc. My next due date was not until XXXX but financially my due date being in the middle of month is a better fit. So I requested a ddc and the reps are telling me I must make half of my payment in order to get a due date change. I asked the rep why is it I need to make a partial payment when I just paid you guys the previous day and also my account is not even due at this time. They are unable to give me answer only to say this is company policy. I then was transferred to someone else because I need better understanding as to why this is needed. I was still unable to get an answer. The rep only told me to call in closer to my due date and request the ddc so I waited. I then contacted Ally XXXX/XXXX/2015 to request a ddc they then in turn told me again I have to now make a {$94.00} payment in order to get a ddc I asked for an explanation no rep could give me an answer other than its company policy. I requested supervisor at this time for better clarification on this. The manager still says its company policy, my question is why is it acceptable to collect on an account the is not even delinquent or past due. She could not give an answer only gave me options. Options were to pay XXXX and get due date change to XXXX, or wait until the day I can pay on XXXX I would not get a late fee due to the state but I may get a couple of calls. I do not want to the calls about a payment that can be paid on time and also if I were to pay XXXX and go past due I am still being charged a daily perdium on the loan due to the interest rate alone. The supervisor unfortunately still could not answer the question of why money is requested for an account that was not past due. Since I was getting no where with them I went ahead and went thru ddc process and paid {$100.00} to get it done. Today XXXX/XXXX/2015 Im still waiting for my paperwork to sign and send back my ddc has not been done I went ahead and paid my car payment for XXXX on XXXX/XXXX/2015 so I was charged for 3 days of extra interest which is very upsetting. This was a bad decision to have my car financed with such a money hungry company. I would like an explanation on why Im being charged for due date change and a payment is not due. I will be contacting a lawyer in regards to this to verify if this is even legal. This is a poor excuse for a company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2013, Residential Credit Solutions took over my mortgage from XXXX. I set up an automatic monthly withdrawal to make the minimum payments and I mail them a check when I have extra money to put to the principal of the loan. My problem is that every time that I mail this company a check, they do not put the full amount to the principle as I direct them in an enclosed letter and on the remittance slip. In one case, they even turned off my monthly automatic payment without informing me. They have lost checks that I have sent them. They never return my telephone calls or e-mails. I have even made a complaint with the XXXX. The company 's website does not allow me to pay the extra principle without incurring additional fees. When the company does respond to my written complaints, it takes them nearly two months to respond. This nightmare has been going on for more than two years. I have kept all of my correspondence with this company and I have scanned all the checks and letters that I have sent them. I would like some one with authority to end this company 's abusive and endless tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NJ).
Issue: Problems when you are unable to pay

Complaint: I was in a chapter XXXX in XX/XX/XXXX and dischaged after XXXX years ; my car was part of this bankruptcy. Since its been discharged, my car was hit by a drnk driver. The insurance company deemed it was a total loss. I have not received my pink slip since this was discharged. The insurance company has been holding on to a {$5000.00} check for my cars damages because I do n't have the pink slip to release to them. I tried getting a replacement pink slip from the DMV, but they say there 's a lein on the car. I was advised to contact XXXX ( dept of banking and insurance thru NJ ) to find out the information from the original creditor ( AmeriCredit ). According to XXXX, the company is still active, but no contact information available, meaning no phone number, but bonded until XX/XX/XXXX. I 'm not sure what the gentleman meant by that, but I need serious help, please. He also specify to file some kind ofclaim n court to get the company to remkve the lein, but I 'm clueless as to what 's going on. How does a company loose a title to a car?

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: I had a PayPal account. It was linked to a Bill-Me-Later credit account. I eventually was unable to pay the Bill-Me-Later balance, so the account went into collections. I paid a small settlement and the remainder was reported to the IRS as a forgiveness of debt. This was a couple of years ago. Now I have decided to close my PayPal account and they are refusing to close it because of the charge-off they have recorded with Bill-Me-Later. I do n't care if they keep a record of the Bill-Me-Later account, but I want my PayPal account closed completely. They have said they can block all access to the account, but that they can not close it. I 'm sorry, but that 's unacceptable. I want nothing to do with PayPal. Again, I understand they need to keep the record of the settlement with PayPal Credit, but these are XXXX separate entities, one providing online financial transactions and the other providing credit services. They should be able to be unlinked for the purposes of closing a PayPal account. 
I have been trying for over a month just to close my account. I have spoken with numerous people in PayPal and PayPal Credit over this time, spending hours on hold, hours explaining repeatedly what the problem is, speaking with supervisors and so-called executive escalation representatives, lied to that someone would call back, and getting stonewalled every time. Once a representative even flat-out lied to me and said he had successfully closed my account, which was n't true.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have received XXXX phone calls from a XXXX XXXX XXXX at XXXX XXXX. In my XXXX dealing with XXXX XXXX he claimed that I had a debt on an XXXX credit card in the amount of {$3000.00}. I informed him that I had just pulled my credit days prior to his phone call for a mortgage and that credit card shows a zero balance and has been cancelled. He told me that the debt is mine and must be paid. I asked him what his address was so that I could send a verification of debt letter. He refused to give me his address claiming I could be some sort of " whacko '' and " how did he know I was n't going to send him some sort of threatening mail. '' I assured him that all I wanted was his address. He refused. That 's when he told me he would sue me and file a lawsuit in the state of XXXX. He 's in XXXX. I then said if you ca n't supply me your address, I ca n't work with you. He called back yesterday claiming my drivers license would be suspended and that my wages would be garnished. I again asked for his address.. he again refused to give it to me. He then called back and left a voice mail stating he would settle the debt for {$2000.00}. He again threatened a law suit in the voice mail. Then on XXXX XXXX at XXXX XXXX XXXX XXXX called again threatening to file a lawsuit on Monday if I did not pay him his money. He then informed me that my fees would go up in excess of $ XXXX. XXXX XXXX is not giving me an opportunity to validate my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with HSBC NORTH AMERICA HOLDINGS INC. (SC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been paying on an old installment loan debt that was with HBSC. After falling behind on payments the debt was supposedly purchased by XXXX XXXX XXXX in 2012. I have paid roughly {$10000.00} of a {$17000.00} debt. However I have repeatedly asked for statements which this company refuses to comply with. I have asked for a copy of the original agreement which I have never received. The company threatened to sue me if I did not set up automatic payments of {$150.00} every other week corresponding with my pay days. They set them up on a debit card but if the debit card does not go through they send it through as a check the following week which can result in a returned check fee if the money is not available. I do not believe I ever agreed to this and do not have a copy of the original agreement. The payment arrangement was set up over the phone in 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contract Equifax four over five month back and forth about credit report and the Inquiry on my report, some XXXX try to get credit in my name they ask me to put a fraud alert on my account I did, and they still gave out my inforamition, they told me to get a police report I did and they still will not remove the Inquiry from my account. All of The other Bureau accept the police report, I must say this is compay employees are rude, unprofessional, and liars, I was told they only way the Inquiry could be remove is with a police report. I compy they sent me a letter tell me it was factual, that what they told me when I was instructed get the police report. I written my congressman about this comapy and there and practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Nationwide Credit Corporation (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: The issue I am having is not truly listed above. Today, XXXX/XXXX/2015, i received an alert from my credit monitoring service that a collection account had been added to my credit report. I immediately called the collection agency to find out what the debt was and why I never received the notice in the mail. They told me that the letter was sent to XXXX XXXX XXXX XXXX but I moved from that address and now live across the street at XXXX XXXX XXXX XXXX which was why I had not received the mail. XXXX XXXX XXXX is vacant so no one gave me that mail and I never received any forwarded mail from USPS. 
They also informed we that a wage garnishment had been sent to my previous employer which i no longer work for and I dont understand why i would not have been contacted via phone or email before involving my employer. 
I asked them if they could remove the account if I paid it over the phone and they said I could not dispute with them which I found very strange. I then asked if I could receive a letter stating that the account was paid in full but they said that I have to wait 30 days to receive this and I feel this is unfair since I never received the correspondence to begin with. i am in the process of obtaining employment and since I work in the financial industry, I can not have a new collection account listed on my credit bureau as this would prevent me from being hired. 
Given the fact that I paid the account in full ( reference number XXXX ) and the correspondence was sent to an old address i think this collection account should be immediately removed from my credit bureau report. having it on there will prevent me from finding employment in my field!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Kohl 's XXXX is calling my home number under several different numbers and the caller ID indicates it 's either " toll free '', " unknown name '' or " XXXX '' and each number is different. 

They will begin the day at XXXX XXXX. calling from a Kohl 's XXXX number XXXX. Then again on that same number @ XXXX XXXX. Then they call with " toll free call '' @ XXXX XXXX XXXX. " Unknown name '' @ XXXX XXXX calling from XXXX. " Toll free '' @ XXXX XXXX XXXX. " XXXX @ XXXX XXXX. XXXX. XXXX @ XXXX XXXX XXXX. " Toll free " @ XXXX XXXX XXXX. XXXX @ XXXX XXXX. " XXXX @ XXXX XXXX. " Toll-free '' @ XXXX XXXX XXXX. " XXXX @ XXXX XXXX XXXX. " Unknown name '' @ XXXX XXXX. XXXX. 

This has been going on for months. It begins at XXXX XXXX and does n't stop until XXXX XXXX they also use an ID " XXXX XXXX " I get mail correspondence from them. I know I owe them, but to make me get to the point that I do n't answer my own home number to ANYONE is ridiculous. Harassing me is n't going to get this bill paid any quicker. What will eventually happen is that I will get fed up by the constant calling and shut off my home number. Unfortunately, I have a XXXX XXXX XXXX mother that I have to have it for in case of an emergency because I do n't get good signal on my cell. So Kohl 's is pushing me into a corner.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi I sent certified letters within the last three months to all three credit bureaus and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: I have had my mortgage with Wells Fargo since XX/XX/XXXX. I have paid my mortgage with bill pay since inception. As of my XX/XX/XXXX payment in XX/XX/XXXX,  Wells Fargo began charging me a late late fees because they claimed I did n't pay my XX/XX/XXXX payment. 

I received a phone call for the first time on this matter on XX/XX/XXXX from a collector who claimed I am past due and owe over {$400.00} in late fees. 

Upon inspection of my payment history, I was able to prove that they posted 2 payments from XXXX XXXX on my account in XX/XX/XXXX. One on XX/XX/XXXX and one on XX/XX/XXXX.  They then claimed that the applied the 2nd payment as a principal only payment because it was the 2nd payment I made that month and it was before XX/XX/XXXX. 

I then proved that this same situation occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and yet they did n't apply those payments a principal only. 

They then told me that I had to wait 24-48 hour that someone would acknowledge that they have opened a case for me. They made no commitment as to when the issue would be resolved even though they agreed I proved I made all my payments. 

They did agree to put a hold on all collection calls while they fix the issue. I now have to wait 24 to 48 hours for someone to call me back and then tell me how long it will take them after that call to finish researching and fixing my issue.

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 09/22/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Struggling to pay mortgage

Complaint: Ocwen is my mortg. company that just in at best, the past 5yrs to date, I have had countless issues, paid my own way through escalated foreclosures that I had to hire an attorney as well as was awarded a very small " award '' & acknowledgment from the government 's Independent Foreclosure Review Board for their illegal practices that are still continuing today, XX/XX/XXXX. For over a month I have been yet another victim to their many tactics. XX/XX/XXXX, I contacted Ocwen regarding various mortgage options avbl. to me & the requirements for them to send me the modification packet as I requested. For the next month, as I followed up every week, Ocwen stated they never rcvd. the authorization from my attorney to discuss my acct., as required. After that point, my Atty faxed another letter on XX/XX/XXXX. Ocwen stated it takes 2-3 days to update receipt of paperwork so when I folliwed up XX/XX/XXXX, Ocwen stated my Atty. neglected to put my case # on the authorization that was faxed. They & my Atty. we 're immediately contacted to clarify & rectify the situation yet Ocwen insisted they still could not move forward until a new letter with the case # was faxed by my Atty. I followed up with both parties every 3 days & after speaking to Ocwen Monday of this week & after having choice words with my Atty, I was provided w/ a copy of the XX/XX/XXXX letter they faxed to Ocwen that low & behold, has all the info. I was instructed by Ocwen needed to appear, including the case #! On XX/XX/XXXX, When I confronted Ocwen with my Attys. proof of the letter, I was then told, yes, it dies have the case # they spent a mth. was not included, but now stated the wording in the authorization also did not suffice, prompting my Atty to have to submit yet another letter faxed XX/XX/XXXX. Ocwen has instructed me to check back w/ them on XX/XX/XXXX to confirm their receipt of the letter & see if it allows me to receive the modification documents as I requested.

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 08/30/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX debt was paid in full and is closed. XXXX collection agency has reported to Equifax many times this account is NOT a charge off. I have filed over XXXX online disputes on this debt and me made several phone calls to Equifax to have this resolved. I even signed up for their paid credit monitoring service and during the time of my service my credit score has decreased. They continue to attempt to sell me other credit products and also continue to report false/inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Problems caused by my funds being low

Complaint: Hello- I had an account at 5/3 bank that was closed on XX/XX/XXXX. Fifth Third is now attempting to collect a debt of XXXX for an " UNRESOLVED CHECKING ACCOUNT '' acct # XXXX. I was part the class action lawsuit against 5/3 for the following. 

According to the Fifth Third class action lawsuit, Fifth Third Bank posted debit card transactions and/or ATM withdrawals in non-chronological order so that the bank could maximize the number of overdraft fees it charged to customers who had insufficient funds. Fifth Third Bank denies any wrongdoing, but has agreed to establish a XXXX settlement fund to settle the case, entitled XXXX v. Fifth Third Bank. 

If you had a Fifth Third bank account at any time between XX/XX/XXXX and XX/XX/XXXX, and incurred at least one overdraft fee as a result of the " re-sequencing '' of at least one Fifth Third debit card transaction in non-chronological order, you 're considered a member of the settlement class and eligible to receive a cash payment from the Fifth Third overdraft fee settlement. 

This is not a valid debt because of this reason. They have enlisted the help of a debt collection agency XXXX XXXX that is now harassing me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am being charged for a money order from the XXXX that I did not cash. This money order was returned to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 2016 and she is in possession of this Money. I have proof it was given to the XXXX office but yet I have been charged fees in addition to the amount of the money order. I am asking for this to be removed from my credit reports. Amount is XXXX plus fees XXXX total XXXX, I do not owe.

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 07-08-2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Credit determination

Complaint: I received a mail solicitation from Citibank to apply for the XXXX credit card. This card carries a XXXXannual fee. The wording of the solicitation indicated that I had already been pre-approved for this card. Since I already have XXXX credit cards with Citibank, I applied for this card online, using the reservation number given. 
I was declined for the credit card, with the reason given that " Your payments were low on one or more of your accounts with us, '' in addition to the standard " ... balances on your revolving accounts are too high in relation to those credit lines. " I can understand the second reason. I sent a letter, certified and return receipt requested, to Citibank requesting clarification on the XXXX reason. 
I received a second letter in response, only detailing the high balance reason. 
My issue is that I always make more than my minimum payment to Citibank each month on XXXX their cards. They did not provide information to advise on what criteria constitutes an 'acceptable ' payment level in order to qualify for the card that they sent me an invitation to apply for. 
There is obviously a secret criteria that is being used not based upon something known and objective, such as credit scoring, which is discriminating against a customer without them being able to remedy it. 
This is arbitrary and capricious, and should not be allowed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: my credit reports are not correct, I tried to dispute and and send information through web asking for these things to be looked into. I also got protection on my account because I belief theres been information accessed not by me on the XXXX hard inquires. also dispute been sent for the 2 XXXX  marks and I have not seen the results.

Company response to consumer: Closed with explanation