milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2016 about Mortgage (FHA mortgage) with ALLY FINANCIAL INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I sent Ally Financial two previous requests for them to return to me my monetary instrument and followed that up with a QUALIFIED WRITTEN RESPA REQUEST. I sent this via Certified Mail and the first page is seen here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX [ XXXX ] ALLY FINANCIAL Attn : Notice of Mistake c/o XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Certified Mail # : XXXX XXXX XXXX, 2016 RESPA QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST This letter is a ''qualified written request '' in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ) and Regulation X at 24 C.F.R. 3500, and The Gramm Leach Bliley Act. 

REF : MIN XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX Dear Madam or Sir : I am writing to you to complain about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date. I am the SOLE AUTHORIZED ADMINISTRATOR for the PERSON noted as XXXX XXXX XXXX and I am the sole creator and owner of the monetary instrument Promissory Note for the account and property listed above. I requested that you return my property to me and you refused to do so. There is no statute of limitations on fraud. 

Potential fraudulent and deceptive practices by unscrupulous mortgage brokers ; sales and transfers of mortgage servicing rights ; deceptive and fraudulent servicing practices to enhance balance sheets ; deceptive, abusive and fraudulent accounting tricks and practices may have also negatively affected any credit rating, mortgage account and/or the debt or payments that I am currently or in the past, or may be legally obligated to. I hereby demand absolute 1st hand evidence from you of the original uncertificated or certificated security regarding account number MIN XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX. In the event you do not supply me with the very security it will be a positive confirmation on your part that you never really created and owned one. I also hereby demand that a chain of transfer from you to wherever the security is now be promptly sent to me as well. Absent the actual evidence of the security I have no choice but to dispute the validity of your lawful

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 04-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am a recent XXXX student who took a break after XXXX school and used my forebearance during that period. After the completion of XXXX, Navient calls me three times everyday seven days a week around the same time using various numbers and leaving voicemails from various representatives. I live with my mother and she was the consigner in which Navient calls the same number six times daily seven days a week. I want to file a compliant for harassment by phone misuse. When Navient first called I advised them that I am currently without a job and that my mother is in XXXX at this time. Therefore, she can not currently assist me with any payments. I have defaulted and now they have sent a fax to my mother 's current place of employment which is also harassment. I do n't need them to contact my mother 's place of employment harassing her which in turn might make her lose her employment. Navient has also sent me emails and letters asking me to make my account current which I can not do at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: Bait and switch by Regions bank to sign up for a new bank account. 
In XXXX 2015, I signed up for a public offer through XXXX - {$300.00} offered as a sign up bonus for a new bank account after ( 1 ) opening a XXXX checking account, ( 2 ) making XXXX purchases with the check card and ( 3 ) {$500.00} or more in direct deposit. Offer states that once criteria is met, " get a {$300.00} credit to your regions account within 120 days. '' Upon signing up for the public offer, I received a welcome phone call from a customer service representative who informed me that I successfully signed up for the {$300.00} offer as defined by the public offer. He stated that I would receive the {$300.00} bonus as long as all of the criteria was met within the defined time frame ( 60 days ). 
I met the above defined criteria within 45 days of opening the accounting. However, I did not receive my bonus within 120 days or anytime thereafter. I emailed Regions in XXXX, XXXX and XXXX to inquire as why I had not received the bonus. Each time they stated that I needed to wait longer and that the bonus should be credited to my account if I met the defined criteria. Finally, in late XXXX, my case was escalated to a customer service agent who investigated the issues. She returned with the response that I did not enter in the offer code and she put the burden of proof on me. However, the offer that I signed up for was a public offer, through a link on XXXX. I provided ( 1 ) the public offer link, ( 2 ) a screen shot of the public offer as defined when I signed up and ( 3 ) the public offer code ( non-unique ) that I entered when I signed up for the bank account - XXXX. Further, I was able to show that I signed up for the bank account with the intention to obtain the {$300.00} bonus by my activity within the account - I met the defined criteria within 45 days as evidenced by my bank account history information. 
Unfortunately, Regions informed me that I did not enter in the public offer code XXXX when signing up for the account and therefore was ineligible for the {$300.00} offer. However, as stated above, I ( 1 ) received a phone call from regions at account inception confirming that I entered the code, ( 2 ) was able to provide a screen shot of the offer when I signed up for the account - public offer, and ( 3 ) I was able to provide the exact code that I entered when signing up for the account - non-unique code of XXXX. 
I am very disappointed in this situation and feel that I was both wronged and defrauded by Regions bank. I met all defined criteria of a public offer and Regions did not come through on their end. Bait and switch tactics by the marketing department to increase the customer base within Florida.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Other financial service (Refund anticipation check) with CITIBANK, N.A. (SC).
Issue: Customer service/Customer relations

Complaint: On XX/XX/2013 I purchased to coolers, from Sears, to be picked up. They told me I had up to a year to get them. When I went to get them several months after, I was told the new manager sent all items back to the warehouse and refunded those cards. I check all my statements from XX/XX/2013 to current and found no refund from those purchases on it. I contacted Sears several times and was told they would investigated then get back with me. I have not heard from Sears store nor Sears customer service. At this point, I want either the refund or the coolers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I closed my XXXX {$19.00} home DSL account XXXX/XXXX/2015. Two weeks later I am receiving collection calls from this agency for a debt I do not owe of $ XXXX on my former XXXX account , before I even received my final bill from XXXX . I contacted XXXX, they claim no knowledge of this company or turning me over for collections, & claim to be sending me a revised final bill for a lesser amount which I have yet to receive. This debt collector has been instructed to STOP calling me yet continues to do so for a debt that is not mine, that is in error, & that is been denied by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Medical) with A.C.S. Companies, Inc. I (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: ON XX/XX/2016 AT XXXX HRS CALLER STATED SHE WAS FROM ACME DEBT COLLECTORS AGENCY AND SHE WAS CALLING ABOUT THE DEBT I OWED TO XXXX. THE DEBT WAS OVER XXXX DOLLARS US AND I INFORMED HER I DO NOT HAVE IT AT THIS TIME. SHE THEN TOLD ME THAT IT WILL BE TURNED IN TO AN ATTY BECAUSE I WAS REFUSING TO PAY THE DEBT. I STATED I DONT HAVE IT AT THIS TIME I AM NOT REFUSING. SHE THEN STATED THAT I WAS STEALING FROM XXXX AND IT WOULD BE TURNED IN TO AN ATTY. I INFORMED HER THAT I KNOW I HAVE RIGHTS AND SHE WAS VIOLATING THEM. SHE YELLED AT ME WHAT RIGHTS. I INFORMED HER ABOUT THE FEDERAL TRADE COMMISSION. I ASKED HER HER NAME AND TO SEND ME THE INFORMATION BY MAIL. SHE THEN HUNG UP ON ME. I CALLED BACK THAT EVENING TO SPEAK WITH A SUPERVISOR BUT I GOT A PROMPT THAT THEY WERE CLOSED. I THEN CALLED BACK THE NEXT DAY AND SPOKE WITH A SUPERVISOR SHE STATED SHE KNEW ABOUT THE CALL AND WHEN I SAID I WAS CALLED A THIEF SHE SAID THAT DID N'T HAPPEN. I SAID BEING TOLD I AM STEALING IS THE SAME THING. I SAID I KNOW MY RIGHTS AND WAS CONTACTING THE FTC. SHE STATED DO WHAT YOU HAVE TO DO AND HUNG UP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was told of debt not owed that I do not owe Midland Credit Management has bee using illegal tactics to file lawsuits against identity theft consumers there was no affiliation with these people what so ever past or present they have lied about debts not owed to them there are several lawsuits against Midland Credit Management for their illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Vehicle loan or lease (Loan) with NATIONWIDE ACCEPTANCE CORPORATION (OH).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I was called and asked to pay a minimum payment of  XXXX  by a certain date and i Payed that amount the person i talked to said that my next payment was due on  XXXX   XXXX  of  XXXX  I re ceived a phone call that next Monday stating that if I did n't pay  XXXX  by a certain date that the vehicle would be repoed I feel that i was miss informed.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did n't thoroughly vet their security software of their forward facing or back-end systems and in the process leaked over 100 Million peoples PID to criminals that could use that to exploit people and ruin their lives. They waited 3 months to say anything about it and were as crass as to hide an arbitration clause in the terms of there free " help '' when it was their fault it happened in the first place. Not to mention the fact that the three top people that would have known about the breach as soon as it was detected decided to whimsically dump some of their stock in the company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (AR).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Comenity - Gander Credit Card Never received statement in XX/XX/XXXX.
The XX/XX/XXXXstatement has a late fee of {$27.00}, which I understand, since I never received a statement so the bill was unpaid. 3 times I have not received a statement from this company and I tried to set up auto pay, but was informed that they do n't set up accounts on auto pay.
The main problem was a interest charge of {$77.00}, in addition to the late fee, on a {$220.00} balance, making my new balance {$330.00}.
The statement clearly shows the interest rate on the {$220.00} balance as 25.99 % ( which is already very high ), however if you do the math the actual interest rate incurred is 33.79 %.
This company is posting one interest rate, but charge a larger interest rate. ( I guess they are hoping people ca n't do math and will just pay the higher rate. ) I have paid off the new balance of {$330.00}, so they ca n't continue to add bogus interest fees, however I should not have been charged this amount, so I am filing this complaint.
Comenity should not be allowed to continue charging interest rates different than the amount posted on their statements, which is clearly an legal practice.
Also, there should be some type of law on the books making illegal for them to intentionally withhold customer statement in the hopes that their customer will forget to make payment, so they can charge additional fees. They do n't send electronic statements and do n't allow their customer to be set up on auto payment. This makes customers more likely to forget to make payment, allowing them to charge late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Social Finance, Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We have had a personal loan through Sofi for almost two years. We have NEVER been late. We set this account up for automated payments through their website for the month of XXXX since we knew we would be out of state and unable to access the internet, banking or email. Upon arriving home on XX/XX/XXXX, we received notification that the XX/XX/XXXX payment was not received by them and they had reported us 30 days late to the credit reporting agencies. Due to our impeccable record, the mix up on the automated payment system and the fact that we made the payment as soon as we were aware ( XX/XX/XXXX ) we requested a ONE time credit suppression from Sofi. We feel that our request is reasonable but Sofi is acting unreasonable and will not provide us with a satisfactory or courtesy resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with SUNTRUST BANKS, INC. (FL).
Issue: Wrong amount charged or received

Complaint: On  XXXX / XXXX / 16  I closed  XXXX  IRA 's that I had through Suntrust Bank. I instructed them to cut a check for {$30000.00} made payable to  XXXX   XXXX   XXXX  for deposit to an Annuity Account that I opened. They were instructed not to withdraw taxes because this was a rollover and no taxes were due. I received the check and deposited it in the Annuity account. In  XXXX  I received a call from my Accountant, who does our Income tax and asked me why Suntrust withdrew taxes from  XXXX  of my IRA 's. By doing that I had to pay taxes on that amount plus I incurred a 10 % penalty.  XXXX  IRA 's were rolled over :  XXXX  for {$2000.00},  XXXX  for {$1000.00},  XXXX  for {$13000.00} and  XXXX  for {$14000.00}. Suntrust withheld taxes on only  XXXX  of the IRA 's the one for {$14000.00}. The amount withheld was {$1400.00}. The other  XXXX  were processed correctly as they were instructed to do. I did not realize that they had withheld the taxes on this IRA until my Accountant brought it to my attention. I complained to Suntrust and they are not willing to accept responsibility and rectify this error

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 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX service was cancelled back in XX/XX/XXXX. They sent me a bill ( I do no longer have ) describing charges due for equipment not returned. Equipment was eventually returned. I made several attempts through the past 3 years to get this debt resolved to no avail. This was then turned over to Diversified Consultants in XX/XX/XXXX. I had not received anything via phone or email regarding the change. XXXX would not longer speak to me on the manner. I finally found the information on my credit report as I am trying to refinance my mortgage and improve my credit score. I spoke to them on XX/XX/XXXX. They advised that the debt was for last month bill. This is not what XXXX advised me it was for. 
I decided to pay the amount in full to get this completed even though equipment was returned and final bill was paid prior. This is newly on my credit report and I need to have it removed ASAP. It has been fully paid. They advised they could only issue deletions after 90 days. I need ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Please take notice that I have taken all necessary step in supplying all needed evidence in order for the corporation ( s ) TRANSUNION/XXXX/XXXX to adjust and remove all negative reports from my credit file. As of X/X/2017 it is still reflecting the negative remarks as of XX/XX/2017, which is hindering me from any future financial growth. I am informing you of these direct '' violations '' with the desired outcome of you helping me in getting said violation removed from my credit report. as of today I will fax you copies of said completion on my behalf. Please help me help myself.

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 CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit. While these applications did not yield accounts the fraudulent related inquires were found on the credit reports. Previously we sent official disputes to the creditors however two are still being reported to the credit bureau XXXX. A recent XXXX credit report shows that inquiries with CBNA and XXXX XXXX? XXXX  XXXX are still being reported AFTER official disputes were provided to both of those banks disputing the applications as fraud related. This is now a violation of her federal consumer rights.

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 02/16/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We submitted an appeal to PNC indicating that the denial of XXXX loan modificaion under the Making Home Affordable program did not make any sense. We specifically appealed the denial by showing that an affordable payment could be created based on the NPV inputs provided by PNC. However, PNC denied XXXX appeal without any explanation in regard to our appeal. We spoke with one PNC representative on the phone who indicated that the denial was based on the investor 's refusal to provide term extensions. However, we located the investor restrictions through the securities and exchange commission and sent PNC proof that the investor did allow term extensions. We raised the issue about term extensions in our appeal. PNC did not respond to the part of our appeal regarding the investors allowance of term extensions. We request that PNC either grant XXXX XXXX a modification under the Making Home Affordable Program or provide us a detailed explanation regarding why it can not and address the concerns raised in our appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Struggling to pay mortgage

Complaint: I have been  trying for several years for help the last time Wells Fargo helped the lady went up on my years and on my payments so that sure did not help me. I was told take this or get out of my home by a lady at Wells Fargo when I  had hired someone to help me and the lady at the law firm said she had never heard such. But I was told to take this with higher payments or get out. Now they are trying to foreclose on me and I have begged for help and I am underw ater by 50.000 or  more and they rather loose all that than give a lower rate.Just dont understand why they rather foreclose than help me stay in my home. thanks  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 11/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Making/receiving payments, sending money

Complaint: My bank account with bank of America was closed because someone wrote me a bad check. How would I have known that it was a bad check? because of this issue I ca n't no longer open a bank account with any financial institution. This is unfair for the consumer. The person who wrote the bad check should be penalized not the person receiving a check. This is another example of Big Banks XXXX the little consumer as if we have no right. If this issue is not resolved thru consumer protection, I will seek a class law suit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation