milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (WA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Ally Financial continues to call me several times a month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to collect on a debt that is the responsibility of my ex-wife. They have called my acquaintances asking about her and asking to collect on her debt. I have explained the situation to them many times and asked them to stop harassing me and friends of mine. They are very rude, hostile and abusive. <P/>I never signed a contract for this loan, it was completed by my ex who has lived in a different state for several years. Ally did not do their due diligence in approving a loan without my consent, signature or knowledge of the loan. They did not question the identity of the person who signed the loan.

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 09/25/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MD).
Issue: Struggling to pay your loan

Complaint: I believed the payments would be monthly not every 2 weeks. The amount of the loan with interest would exceed what is allowed by the state of Maryland for a payday Loan. This company seems to be unaware that Payday loans are illegal in XXXX or that they can only be for a specific interest amount. Current interest is XXXX. According to the state of XXXX website the " The maximum interest a small loan provider can charge is XXXX XXXX per month or XXXX XXXX per year '' This greatly exceeds that amount

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Mortgage (Other type of mortgage) with Homeside Financial Services, LLC (FL).
Issue: Applying for a mortgage

Complaint: Homeside financial has contacted me to refinance my property around XX/XX/XXXX. I did not initially contact them. I informed them that I had a potential problem on my credit and that I had I had some urgency because my second mortgage was going to expired on XX/XX/XXXX and I would have to pay a renewed fee of {$1200.00}. I had provide them all of their requests and financial information for their review and approval in a timely manner. They told me that they could resolve my credit issue and refinance my property. In addition to that I told them that I would not pay for the appraisal until I am fully complete approved.They promised that they would complete my application on time and that I would be approved quickly after a initial review on my financial and credit report. They would always reply to my communications stating that everything were under control and that I should be approved soon and they requested me to pay for the appraisal. They have also changed to at least 3 different people handling my application - XXXX ; XXXX ; XXXX XXXX. Now we are on XX/XX/XXXX,  They are not longer returning my communications. Fortunate I was able to get an extension to pay my second mortgage renew from XX/XX/XXXX till now end of XX/XX/XXXX but I had to pay {$1200.00} to renew last week. I am also asking Homeside my appraisal refund. They are completely ignoring me at this point. Before I move a civil lawsuit against them I want to try to make a formal complaint with you. thanks for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/18/2017 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: Attempted to get a re-fi quote from Quickens loan. I initiated a chat with XXXX XXXX, provided him my details and got the info I needed. I advised him to send me the breakdown of his offer. I was then asked about other options I have taken. I asked him why? He the proceeded to use scare tactics.See below : Absolutely. I will send that over right now. XXXX what other options are you considering if you decide not to move forward with this? 
XXXX XXXX at XXXX, XX/XX/XXXX : why? 
XXXX XXXX at XXXX, XX/XX/XXXX : The reason I say that is because this is saving you over 300 dollars a month and the credit score is at XXXX. If it falls one point you will not be able to do a loan anywhere. This is a start for you to start paying off debt, it gives you an opportunity to start doing something with the debt. If there is no plan B, and the debt continues to grow you credit will continue to fall. 
XXXX XXXX at XXXX, XX/XX/XXXX : I am aware. I understand you have a sales goal and need to reach that but trying to get a sale by placing fear into someone is a bit unethical and the CFPB would not think kindly of that approach XXXX XXXX at XXXX, XXXX XXXX : send me the info I have requested and I will make a decsions XXXX XXXX at XXXX, XXXX XXXX : XXXX I apologize. This has nothing to do with my sales goal. I will send you the information. 
XXXX XXXX at XXXX, XX/XX/XXXX : When can I circle back around with you XXXX XXXX at XXXX, XX/XX/XXXX : tomorrow or Monday? 
XXXX XXXX at XXXX, XX/XX/XXXX : I work daily with the CFPB and you are not permitted to use scare tactics. 
XXXX XXXX at XXXX, XX/XX/XXXX : Our company is obviously regulated by them. As the # 1 rated lender in the nation you can appreciate that we take that role very seriously. Just like a Dr. giving a recommendation to a patient so am I giving a financial recommendation to you. I 'm sorry if my honesty was viewed as a scare tactic it was n't meant to be taken that way XXXX XXXX at XXXX, XX/XX/XXXX : I am not compensated based on your loan amount, loan program, cost, or interest rate. My goal is to find a loan that meets your goals and gets to the closing. I am promoted within the company based on how highly you rate me so obviously I 'm not here to scare you XXXX XXXX at XXXX, XX/XX/XXXX : Again I apologize if it came off that way. 
XXXX XXXX at XXXX, XX/XX/XXXX : I take this job very seriously and saw an opportunity to help you XXXX XXXX at XXXX, XX/XX/XXXX : that is all XXXX XXXX at XXXX, XX/XX/XXXX : So I will send you the info you are requesting. When is a good time for me to follow up with you tomorrow or Monday so that I can answer any questions you have based on the info I send? 
XXXX XXXX at XXXX, XX/XX/XXXX : send me the quote-nothing more XXXX XXXX at XXXX, XX/XX/XXXX : not a problem XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (AR).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage on my primary residence in AR last XX/XX/XXXX. The mortgage was originally with XXXX but was taken over by Nationstar in XX/XX/XXXX. When I paid the account off I received nothing from Nationstar to confirm the payoff until I called and asked for confirmation -- XXXX times and 6 weeks before I received a response. I was sent a copy of their filing with XXXX County asking that the Release of Lien be recorded and returned and was told I would get that recorded Release when they got it back. After many tries I never did get the recorded release from them After multiple calls, lies and exchanges of letters I was told they had sent me everything I was entitled to and hat they had investigated and done nothing wrong. I believe this is fraud and can hurt unsuspecting consumers who may rely upon a release only to find out years later when they go to sell that the records do not reflect the release. 
While, after months of dealing with this company to no avail, I was able to pay a lawyer and get the recorded version of the Release, not everyone can do this and I should not have had to. This company was rude, arrogant and negligent at best in NOT fulfilling what it said it would do and what it is required to do and less fortunate people should not have to put up with this type of treatment. Please let this company know that you are watching and will not tolerate what happened here as a routine when dealing with its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have filed two letters with XXXX to remove the incorrect information that is on my credit report. The information is regarding a bankruptcy that was filed in XX/XX/XXXX. According to documentation that I have received from the U.S Bankruptcy court in Minnesota dated XX/XX/XXXX, they DO NOT report any information to any of the three credit reporting agencies. My first attempt to clear this up with XXXX was on XX/XX/XXXX and I received a letter in response stating that the information was valid. My second attempt was on XX/XX/XXXX, and I included their response as well stating that I needed to contact the reporting agency. The reporting agency again DOES NOT provide the information as stated above. I have now escalated this issue to your agency in hopes to get this cleared up. I have included all the documentation needed to clears this matter up. I look forward to your help in this matter. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a request to have my credit report updated.and Experian refused to up date even after i summited my self releasing federal tax lien to them. i summited it XXXX. I XXXX XXXX and XXXX had no trouble up dating my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX, XXXX. successor by merger to XXXX f/k/a XXXX ( XXXX ) committed a bona fide error when they did not renew the original flood insurance policy for the property owner/borrower. XXXX committed another error by placing force placed flood insurance that exceeded normal market value prices. XXXX committed yet another error when they force placed hazard insurance while private hazard insurance was current on the property. See Attached documents. 
Collectively, XXXX 's errors directly caused the property owner/borrower to go into default because ( 1 ) the payment for force placed flood insurance was raised to an amount not affordable and not reasonable and ( 2 ) charges duplicating hazard insurance were included in the total charges for both unnecessary hazard and unreasonable and unaffordable flood insurances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: XXXX submitted the results of investigation # XXXX and continues to double report XXXX XXXX Account # XXXX. There is only one XXXX XXXX Account for an auto loan. Further, the last payment was made on/before XX/XX/XXXX but XXXX reports the last payment as XX/XX/XXXX. Additionally, XXXX continues to confirm the same report on the XXXX XXXX XXXX XXXX Account in dispute. XXXX reports a charge of of {$22000.00} and I have repeatedly disputed this amount. XXXX appears to be overstating the amount charged off on/around XX/XX/XXXX significantly. Further, on information and/or belief, XXXX sold this debt to a factoring/collections agency and is no longer the rightful owner of the debt but XXXX has continued to report a monthly past due amount which is patently false. XXXX no longer has standing but continues to report erroneously and XXXX  perpetuates the misreporting by verifying my name and social security number but NOT the facts of the complaint.

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 05/30/2017 about Mortgage (FHA mortgage) with BB&T CORPORATION (UT).
Issue: Struggling to pay mortgage

Complaint: Branch Bank and Trust is reporting 11 late  payments fr om  XXXX -  XXXX   ... We  were in the process of a loan modification and it is now complete. THe loan was modified under the HAMP program through the government which ALL late payments affiliated with the loan mod are to be deleted. They have yet to delete them and they need to remove them.

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 06-09-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (SC).
Issue: Problems caused by my funds being low

Complaint: I bank with Regions Bank. I recently had overdraft fees of {$100.00} for XXXX items, XXXX of which is pending and the others have posted. Regions charged me overdraft fees for items covered by funds. There is also a credit to the account today while the transaction is pending that will cover the transaction. When calling them I asked how and why I was charged for {$100.00} for XXXX transactions rather than {$36.00} for the XXXX transaction that is a pending overdraft, they stated that it was because they did n't know how much it would be for, so they charged all items clearing and transacting that day. They stated that many people call in with the same issue all of the time. I explained that on the account ledger it looks like i was charged a fee even though the previous transactions cleared with a positive posted balance. Regions is ripping people off by charging exorbitant overdraft fees for previous transactions even when money is in the account to clear the transactions. The policy is ruthlessly arbitrary to customer 's bank account and funds.

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 03/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hi. Sadly- my house was illegally forclosed on in 2010. We were made to file bankruptcy. 
I should not have to suffer because XXXX XXXX stole my house. Can you please help me take XXXX XXXX off my credit report and my bankruptcy? 
.... The very least that could have been done when they were n't made to follow through with the indepent forclosure review.

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 05-03-2016 about Bank account or service (Other bank product/service) with WEBSTER BANK, NATIONAL ASSOCIATION (OH).
Issue: Account opening, closing, or management

Complaint: have attempted to transfer my hsa account from HSA bank to XXXX XXXX since XX/XX/XXXX.2 or 3 attempts were made by XXXX XXXX and they indicated no response from HSA bank and when I contacted XXXX by phone their rep found the 20 to 30 minute phone delay to speak to anyone was the norm. So I attempted to contact XXXX where my investment portion of the was and see if HSA bank had contacted them and secondly if there a backdoor means to contact HSA Bank but the rep said no and he told me just to wait 30 minutes on hold. I finally sent another e-mail to HSA bANK about the the inability to reach a rep ( 20 to 30 min. hold time ) versus a one min. hold time at XXXX XXXX and a nice rep at HSA bank helped over the course of a few days to try to figure out where the problem. We finally figured out that the investment portion had to be resolved first but no indication of the problem was stated in the first e-mail I received. It SEEMS every effort is made prevent the customer from transferring their assets to a different place.AS of today another XXXX to 10 days after the investment funds have been made liquid and in their cash account, there is no movement.Every month I am charged a fee of {$5.00} a month and I have not used this account all year waiting for the transfer to take place. Each month this goes on I have no access to the funds either to use or invest but the fees keep coming and their is no one to penalize or force HSA bank to make this transfer.A 3 TO 4 month seems quite unreasonable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (PR).
Issue: Fraud or scam

Complaint: I HAD NOT BEEN PAID ON TIME FROM XXXX AND I HAD BEEN CHARGED OUTRAGEOUS FEES BY AMEX SERVE.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A former bookkeeper we fired opened credit accounts in our name. Bank of America is one of those accounts. We have sent police reports and FTC ID Theft notarized affidavits to Bank of America. BofA is not taking the action required under the FCRA to delete this fraudulent account from our XXXX credit file. Deleted from XXXX and XXXX, but not with 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 10/13/2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: This debt was for a chase card that my wife had. We fell behind due to medical bills so they sent us to a debt collector. XXXX XXXX XXXX they contacted her at work talked with her boss and demanded to talk with her. They said they wo n't stop calling. When I spoke with them to work out a payment plan. They told me I can pull the money out of my 401k that there is no tax penalty which I know is not true. They also asked why I had to pay my income tax that I can pay them first and pay taxes later with out penalty. I am almost positive a debt collector is not in the postitution to give tax advice or financial advice.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Consumer Loan (Vehicle loan) with CONDOR CAPITAL CORP (NJ).
Issue: Taking out the loan or lease

Complaint: In the year XXXX got a financed car and to have a new credit I approved a financial in New York by " Condor Capital " always pay my payments a day, but already for XX/XX/XXXX that vehicle sold and when approached the payment date call the financial to notify you the cause of the late pay of my payment for that month they told me that I would put a note in the system, next month still Bank that would finance you vehicle to whom I sold it had not approved the loans but had asked the news who had my loans, that gave them to understand I knew that there was a process of actual sales. The process of closing hard 3 months because it was a personal loan was paid entirely to my Bank and my complaint is that they I reported on my credit late pay for the 3 monts XXXX and think not just because knew the situation and was to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been working and trying our hardest to modify our mortgage with SPS, it 's been nothing more than stress for us. We do n't talk with the same person, no one knows the same answer. You can call one minute and talk with someone get an answer, call back and get a completely different answer. We 've been trying since XX/XX/XXXX to modify our mortgage our interest rate is 7.5 %. Also the paperwork we need to fax, one person says it 's all complete then we get a letter saying missing information we fax, then they need another paper. So we have a customer rep that we ca n't get a hold of. It 's been exhausting we do n't want to lose our home we are trying but they just delay in reviewing our case. Why our mortgage was given to them, it 's been XXXX. Our mortgage is {$1100.00} we live in a twin home and have bad credit we are trying to work with them but they do n't seem to really care. I know the answer they will give as I 've seen the automatic response so all complains. Then we 're getting act XXXX letters, why are we getting them and foreclosure when we are in middle of modification, is n't it dual tracking. We just want results and save our home we 've had for 32 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit card () with DISCOVER BANK (OR).
Issue: Rewards

Complaint: I applied for a Discover it* card on XXXX XXXX when there was a {$50.00} XXXX XXXX XXXX offered for approved customers. When I applied I clicked directly on the link that was presented to me on the XXXX website. Bear this in mind, as it comes into play further on in my story. I waited and waited to receive this reward. Finally, I contacted Discover card customer service. I am told that I selected a 0 % card, and not the gift card option. As I explained in a string of email correspondence to several Discover card representatives, I would NEVER chose that option, as I pay my bill in full every month, so a 0 % card is not of benefit to me. I was told that was MY mistake, they can do nothing to correct the issue or make good on their offer. Basically, they do not care about honesty in promotions, or in living up to their offers. I feel this is a classic bait and switch scenario, as I was only presented with the XXXX offer, not multiple offers to chose from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have been back and forth with this company and finally resolved the issue ... yet again the irroneous information has been added back and they have tripled the accounts by that I mean they are reporting two and three times to total a whopping 39 IVE DISPUTED AND SUBMITTED EVIDENCE SHOWING THESE ARE  NOT MINE ... they kept switching names and addresses and the fair credit reporting laws states that inaccurate information must be deleted permanently to not reappear at the report agencies convenience .... they reinserted with no knowledge or warning giving and these ARE NOT MINE!!! I ask that any and all accounts from XXXX XXXX AND XXXX XXXX BE PERMANENTLY DELETED PER information sent by equifax and XXXX saying they would be ... equifax kept sending me pending results then completion projected dates knowing they VIOLATED MY RIGHTS as to timely due process and THEY DISREGARDED ALL LETTERS I SENT FROM THE SAID COMPANY SAYING THEY WOULD DELETE BECAUSE THEY COULD NOT VERIFY ANYTHING

Company response to consumer: Closed with explanation