milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2016 about Bank account or service (Other bank product/service) with ALLY FINANCIAL INC. (OK).
Issue: Account opening, closing, or management

Complaint: I checked my credit monitoring report via XXXX XXXX and saw that ALLY Financial had instituted a " hard inquiry '' for a national credit card/airlines on XXXX/XXXX/2015. I never authorized or applied to Ally Financial for a airlines credit card. I never gave them authorization to pull a hard inquiry on my credit. This is the first reporting of this inquiry from XXXX/XXXX/2015 on XXXX XXXX. I check my credit every week thru the XXXX site and I would have seen it earlier if it had been reported. I want this hard inquiry removed from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (PA).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/2016 I deposited XXXX XXXX $ dollar bills via the atm at the M & T Bank in XXXX Pa. XXXX. I could clearly hear the machine malfunction. It kept the money and dispersed a slip telling me to come into the branch during business hours the next day. I did and they told me they would have a technician look at the machine and have someone from their security department view the surveillance video, they issued a provisional credit for the XXXX of XXXX/XXXX/2016 nothing has been done and I was told at the bank yesterday that they would reverse the provisional credit on XXXX/XXXX/2016 I 'm out the XXXX. I was also told that no technician has looked at the machine or the video as of yesterday. M & T has had a whole month to investigate this matter and they have n't I was also told yesterday that on the day of the deposit that the machine balanced out so they do n't know where my money is. At this point the only conclusion I can come up with is that there is a theft involved here.

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credence Resource Management, LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX & Credence Credence continues to re-age an charged off account and XXXX continues to add it with the new date to my report. I have disputed this 2 times in the past but every 3-4 months they put it back on my report as new. It was just added again on XXXX/XXXX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (I do not know) with Columbia Collectors Inc (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I asked to validate the debt. they sent documentation showing that the account was old. Im not sure of the account because I do not owe any attorneys any money, Definitely do not owe {$2000.00}! I would remember that. 

Now columbia collectors illegally reaged the debt to 2014 and negatively impacted my financial decisions. I never made a payment plan or discussed any payment options over the phone. I only asked for validation over the phone. The debt is unrecognizable to me and I believe to be error. nevertheless they reaged the debt, and its on my XXXX and XXXX reports

Company response to consumer: Untimely response
Consumer complaint received 05-05-2015 about Debt collection (Medical) with First Federal Credit Control (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a letter from First Federal Credit Control, Inc.indicating that I have been placed in collections by a creditor ( XXXX ). I called First Federal XXXX today and was advised that XXXX XXXX from XXXX wants to collect {$460.00}. I was involved in a motor vehicle accident and gave the hospital the name of my vehicle insurance company ( XXXX ). I have never received a bill from XXXX XXXX and feel strongly that he ( or she ) should have contacted me if XXXX did not cover the charges for accident which took place in XX/XX/XXXX. I am concerned that the doctor waited until XX/XX/XXXX to send me to collections without XXXX sending me a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit reporting () with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian stated via phone conversation they would not dispute nor would they explain/provide any info to assist in the matter of XXXX accounts. The account for " XXXX '' is unfamiliar to me and I know nothing of them or a debt owed and want proof of debt and dates, etc or I demand it be removed immediately. XXXX and XXXX have both removed it but Experian refuses to investigate. The XXXX account for " XXXX '' is reflecting incorrect information. The " DATE OPENED '', " BALANCE '', " PAYMENT STATUS '' etc. No balance is owed to them, there is no late payment and its much older than the re-aged lie that it reflects on Experian. Please hold EXPERIAN accountable to correct these issue immediately. Perhaps both accounts should be removed. Experian is my issue here! I would like to see the justice here in reporting true and accurate info as well as due diligence in an honest attempt to collect facts and protect the consumer rather than damaging my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2017 about Mortgage (VA mortgage) with TIAA, FSB (FL).
Issue: Trouble during payment process

Complaint: I am extremely upset with Everbank and I need to CFPB to help. I am  XXXX   XXXX    XXXX   and they are discriminating against me. The sales practices are deceptive, and they are also committing predatory lending. My ex-wife and I got divorced and that was finalized in   XXXX   XXXX    . Per our divorce decree, I was keeping the house in the divorce settlement. I was advised by  XXXX  legal that because our mortgage is a VA mortgage we could complete an assumption instead of having to refinance to get my ex-wife off of the house. I called Everbank and spoke with  XXXX   XXXX  in  XXXX    XXXX  , who stated that No, Everbank does not do assumptions and they dont have any way to do them. I had to refinance since that was the only way to get her off the house. He then quoted me about {$8000.00} to refinance. When I told him I didnt have that kind of money, he told me to shop around and if anyone else got me a better deal on closing costs he would match it. I shopped  XXXX  and  XXXX   XXXX , who both advised me that I did not have to refinance ; I could do an assumption because it was a VA mortgage. I called  XXXX , and again he claimed to know nothing about that. I went directly to the VA, who confirmed that yes, by regulation Everbank has to remove my ex-wife from the house once they have approved the release of liability. The VA approved the release of liability in   XXXX   XXXX   XXXX    . I sent everything to Everbank the same d ay ( div orce documents, quit claim deed, VA approved release of liability ). Everbank will not remove my ex-wife from the mortgage. They keep insisting I refinance, and every time I call or my ex-wife calls they give us a different answer. By federal law and regulation, they have to adhere to the VAs guidelines, and they just wont. They wont help me because theyre not making the money off refinancing from me. Now theyre saying they will just stop reporting to the credit bureaus for my ex-wife, but she has to stay on the mortgage WHICH MAKES  XXXX  SENSE. I have sent them the lenders handbook, which states she needs to be removed from the mortgage and outlines that they can not charge more than {$350.00} to amend their documents, but they will not do anything about it. Now theyre saying that the person in charge of this request is  XXXX   XXXX  who is the same person that told me Everbank does not do this kind of thing and he will not help me or return my calls. I think he just wants the commission to refinance.  XXXX  and everyone at Everbank are extremely deceptive. The customer service agents talk down to me, and I feel as though it is because I am in the  XXXX . I just want them to remove my ex-wife from the mortgage per the regulations! They also only have 30 days to do it which is about to be up in 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: did not receive any information or communication whatsoever about this debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Experian is reporting obsolete information in which I am in my rights to ask for old creditors to be removed. The  XXXX  accounts are  XXXX  Account number  XXXX , date opene d  XX/2007  o ve r 10 years old  and  XXXX  Account number  XXXX , date opene d  XX/2007  ov e r 9 ye  ars old. T he accounts are passed the age of removal and the other credit bureau had no issue deleting the outdated accounts. There is no payment history as I have never paid on these accounts and I have requested that you provide verification as to how the dispute was disputed and who verified the obsolete account so that I  may o btain legal assistance to the removal of the obsolete accounts. The accounts are not only obsolete they are not attached to any other accounts.

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 07/25/2017 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (FL).
Issue: Trouble during payment process

Complaint: Escrow Not paying!!!! On XX/XX/XXXX, I sent a secure message to Round Point Mortgage Servicing using their website. When we purchased our home in XXXX, It was actually two parcels that by contract was suppose to be combined into one parcel. However, The county where we live only combines parcels once a year in XXXX. When you paid they tax bill in XXXX, it was not combined yet by the county and only one parcel tax was paid out of escrow. This caused another issue. In XXXX when they went to combine the parcels, they could not do so since one had not been paid. They do not combine parcels when one has a balance due. I called an spoke to a woman at the XXXX County Tax office by the Name of XXXX and she stated that until that amount is paid, that their policy is that it can not be combined. She stated they would speak to Round point Mortgage if they needed more information on this or any other info on the bill that needs to be paid. The number to the XXXX County Tax Office is ( XXXX ) XXXX. Sale Date XX/XX/XXXX Certificate # XXXX Certificate Holder XXXX Interest Rate 12.75 % Original Amount {$210.00} Interest Amount {$10.00} Fees {$6.00} UnPaid Balance {$230.00}XX/XX/XXXX XXXX I also sent messages on XX/XX/XXXX, XX/XX/XXXX, two on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two onXX/XX/XXXX concerning this matter. ALSO, Now I have learned that my HOMEOWNERS INSURANCE has LAPSED as well!!!!! The payment was not made. I sent secure messages about this matter as well on XX/XX/XXXX. I have NOT RECEIVED any response other than automated stating my message was received. I have also called several times and spoken to various reps. Being told they would look into it and call me back and have this taken care of. No one has done so! I have contacted our lawyer, XXXX XXXX of XXXX XXXX and have made an appointment to speak to her further concerning these two matters and will have her do what is necessary to remedy these issues. WHAT I NEED : 1. tax bill paid for the previous year for parcel not paid and both paid from here on out. 2. The homeowners insurance paid and restored and paid on time from this day forward. 3. Someone to actually contact me back if i have an issue!

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Servicing , LLC was my loan servicing provider. We did a refinance with new company. They would not refund my property tax escrow account and would only add the monies in escrow to the payoff to reduce the loan amount. They sent XXXX payoff statements at {$25.00} each that were all incorrect. SLS then demanded that I provide {$4800.00} with our payoff amount to cover property tax bill, while there was {$7700.00} in the escrow account they controlled. We paid the the property taxes before the loan was paid off and they say they paid the property taxes and have not refunded {$4800.00} plus {$120.00} for incorrect payoff statements plus a {$140.00} fee for late payment which was incorrect as well. We are seeking a refund in the amount {$5000.00}.

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 06/13/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MA).
Issue: Other transaction problem

Complaint: In  XXXX     2017  i submitted a payment via PayPal to another recipient. Around that same time there was fraudulent activity on my bank account and I accidentally disputed the initial charge ( {$50.00} ) I cancelled the dispute with the bank as a representative at PayPap told me to do, and received a letter from the bank dated  XXXX   XXXX  stating that I have cancelled my dispuite. The original recipient never received the money back. I called multiple times since  XXXX  to resolve this and they ultimately gave me a provisional credit to give to the original recipient and I was told that when the {$50.00} finally came through it would go to my PayPal account. However that did not happen. I believe that original {$50.00} is still in limbo and the credit has since been deducted so my account is now negative. Every time I call PayPal i get a different answer as to how to handle it and how it works.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/2016 I called Nationstar mortgage, my servicer, to apply for a mortgage based on a solicitation I received. I spoke with XXXX XXXX at XXXX who accessed my current loan, which is now fully adjustable. I was interested in a HARP loan as my property is still underwater. XXXX wanted to pull my credit but I said before you do so I wanted to see if the rates were where I needed them to be as I has a bad experience with Nationstar the prior year ( more to come on that ). 

XXXX quoted 3.875 % on a XXXX ARM and 4.625 % on a 30 yr fixed based on my loan parameters. I said these rates were acceptable and that I wanted to apply. He said he would pull my credit, start the app, then call me back. XXXX mins later my phone rang and XXXX indicated my credit score was very high ; however, he misquoted the rate and in order to get 3.875 % I would have to pay XXXX points ( over $ XXXX ). This was not acceptable so I asked for his supervisor to call me back as I felt this was a bait and switch. If I knew that up front I would never have authorized hem to pull my credit as I did not want the inquiry. Note : the day I called the 10 yr bond was at a 3 yr low. 

The next day XXXX XXXX, the supervisor, called and said he listeded to the call. he apologized for his employees misinformation but could not offer me the 3.875 % rate. Again this was unacceptable as I would never had authorized them to pull credit if they told me the rate was with XXXX points. This is HARP loan and is supposed to help the consumer not extort them for XXXX points.. Note : my current rate is 3 % but fully adjustable and set to amortize over 20 years XX/XX/2016 The professionalism at Nationstar is severely lacking which is why I am filing this complaint. I attempted to refinance this same property last year, was locked in at 4.75 % with XXXX points and the loan was in process but the processor would not return any calls. She would just respond via e-mail.. I became frustrated and escalated to a supervisor who was not any better. The loan was being processed at XXXX. I did not have time for the back and forth e-mails as they kept asking for the same thing multiple times and would not call me to discuss. I never heard back from them and to this day I still have not received a disposition letter. 

With Nationstar being my servicer I have no other viable options for this HARP 2.0 refinance and I keep getting the run around from them. They need to honor the rate that was quoted as my payment is set to double this fall based on the letter I just received.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent 2 multiple inquiry letters to Transunion within these 60 days. I also had a fraud alert placed on my credit file on XXXX XXXX, 2017 that indicates anyone who runs my credit needs to call me verify my personal information and that was n't done and that violates my rights as a consumer. I explained to multiple CSR that their are multiples of certain places of inquiries that definitely indicate fraudulent activity but they do n't care. I reached out to the Transunion on more than one occasion to advise of my credit being pulled without my permission. They keep telling me there 's nothing they can do and inquiries are factual and no real foot work has been done to help me the consumer resolve this 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 non-monetary relief
Consumer complaint received 03/30/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I bought new house in XXXX, TX area. I and my family were excited for our first home. We were looking around for good lender with great rate. Bank of America is XXXX of them. they come up with plan mentioning that you are eligible for physicIan loan with 3.75 % apr AND You do not need to set up any escrow account for it. I asked their agent-XXXX XXXX multiple times that are you sure that I do not have to set up escrow account? She answered me that I am 1000 percentage sure you do not have to set up escrow account with 10 percentage down. There are few lenders who were providing me similar rate with XXXX loan with no set up of escrow account. XXXX was so aggressive that we will give you best service and everytime my question was similar that are you sure that I do n't have to set up escrow and she is saying that I am very sure. We decided to go with Bank of America looking at her confidence and promise. She sent me closing cost work sheet/good faith estimate without any escrow account as well. I can show to prove her promise. meanwhile, I provided lot of documents for my loans in timely manner whatever processor and underwriter was requesting. There was only 4 working business days remain for closing and she came up on XXXX/XXXX/2015 late afternoon mentioning that we have to now set up escrow account. I made mistake and please forgive me. I was really upset because not setting up escrow account was only reason to go with bank of America. There are other lender providing same rate loan with out escrow. I was really anxious because only 1 wk remained for my closing. I felt cheated as customer by end of day. I can not understand that loan went through different stages before final approval and nobody noticed or informed me about escrow thing until last moment when only 4 days remained so I can not go any where. I would never go with Bank of America if I am aware about that I had to set up escrow. I had different options for not setting up escrow for home loan. I ended up paying additional XXXX for escrow account and now monthly payment that I was not ready for it. I would totally consider it as a fraud and cheating to customer. I believe that it is customer right to get correct information about product whenever they are buying something. INFORM CUSTOMER ABOUT SURPRISE WHEN THEY CAN NOT DO ANYTHING THAT IS MOTTO OF BANK OF AMERICA. 

please help me out with this matter so no one else can get fooled/cheated by them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: In 2013, I lost my wallet in which my bank card was enclosed. Fraudulent activity occured on my account which placed my bank account in jeopardy. Filed a police report, stating my card was lost and that someone had charged my card in the amount of {$2800.00} dollars through credit. Notified BOA ( Bank of America ) of the transaction and submitted reference number from police report. Eventually my claim was accepted and BOA brought my balance back to {$0.00} or the amount that I had on my account orginally. My account was closed. Attempted to open up another account and BOA refused and told be to notify the consumer credit bureau under FDIC. Attempted to open up an account with XXXX Bank but they refused also.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with One Source Technology (IN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I was tried and plead guilty to two XXXX XXXX and XXXX on X/XX/17, i paid the XXXX dollars required and then went on an XXXX XXXX for 3 months and am now continuing on to XXXX for the next year and a half but since employer background checks are coming back with a XXXX XXXX! I am not a XXXX, and this incorrect information has caused me to miss the largest career oppurtunity of my life. Please help!!

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