milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2015 about Bank account or service (Checking account) with KEYCORP (CO).
Issue: Account opening, closing, or management

Complaint: I came in and open a checking account with Key Bank and XXXX XXXX on XXXX/XXXX/2015 at XXXX XXXX in XXXX XXXX Colorado. I also brought a coupon with me XXXX reservation number XXXX. I was told that all I had to do to get the coupon is to set up a direct deposit from work to this account totaling {$500.00} or more 60 days after the account opening. So I set up my direct deposit of {$250.00} twice a month to go to this account. On XXXX/XXXX/2015 I realized that still have not received a promotional bonus, when I called XXXX to report this problem, she called different departments to find out what happened and they said that there was suppose to be XXXX direct deposit of {$500.00} and it could n't be XXXX direct deposits totaling {$500.00} and that I wo n't receive a bonus. If I would have known that It needs to be XXXX direct deposit I would have simply set it up that way. One of the main reasons why I decided to try Key Bank was the fact that I received that coupon and I told the Banker that and I verified it multiple times to what do I need to do to receive the funds. I accept the fact that may be the banker did n't understand the dollar amount difference of a coupon and she did n't do it on purpose but that lead me to set it up my direct deposit the way I did. I feel like I was cheated and lied to, for no real reason. 
I tried to contact your customer support team but they told me to get in touch with the Branch Manager. It has been several months now and I asked XXXX to bring that up to her managers attention but she seem to ignore my email. 
I tried to contact the Branch Manager myself and she also ignored my email and XXXX voice mails that I left her, not to mention that she has been on vacation for over a month and nobody but her were able to help me. When finally she responded to another email that I sent her, she simply told me that it was my fault and there is nothing that she is going to do. I asked her to look through the transaction history on the account and see that my direct deposit will come in and I will take most of the money out or transfer it to my primary bank. You can clearly see that I did what I was explained to do. But she said that her employee would have not done that. I understand that she suppose to protect the bank assets and back up her employee, but that went a little too far. She clearly did not do any research and probably never even looked at my account to see what I was referring to. In this case it was not just the banker that misled me to this situation but also the customer support was not willing to even look into that issue, neither did a branch manager, just leaving me with a lot of wasted time and money and feeling that I did something wrong when I did everything exactly as it was explained to me. I did n't receive a proper disclosure about the account or the coupon terms that led to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Account opening, closing, or management

Complaint: I have a HELOC with Bank of America. It was originally written by Countrywide and sold some years ago to BOA. I have a BOA checking account used exclusively to autodraft my monthly interest payments to the BOA payment center for this loan. 

I just learned today that the autodrafts were stopped and my loan is in foreclosure. No one at the branch bank could explain this. They put me on the phone with BOA mortgage, which then sent me to the foreclosure department, where was told that a Reinstatement Letter was being faxed with my amount due on it, and that i would have it in 1-2 hours, and then could obtain a cashiers check from the my BOA branch, which they could overnight. After that I would have to call and write several other people to get my credit reinstated and the attorney fees and late fees returned to me. This took 90 minutes on the phone while in my branch office The fax number I gave was my branch managers number. 

When I returned, I was told no one received a fax. I had to call the Foreclosure department again, who this time told me it was impossible to get an amount to pay them for three days. 

The underlying facts are : I have the money in my BOA account. I never stopped the autodrafts. No one at BOA can explain how they stopped - not even their technical support division. No one at BOA will ALLOW me to pay them. And, they have found a way to add unknown late fees and attorney costs - while destoying my creditworthiness to all - without my knowledge and while I was enrolled in their system to make all payments promptly. 

ALL of my recurring payments - XXXX mortgages, utility bills and alarm monitoring at XXXX properties in XXXX states, etc. are handled using automatic drafting because I travel for months at a time and am not present to make payments or to receive mail. BOA has designed a system in which its customers are put at great risk.

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 07/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit report and saw a negative entry from Franklin Collections in the amount of {$300.00}. I have never been informed of any outstanding debt by any companies and was never contacted by phone or mail by this collection agency. I contacted Franklin Collections on XXXX XXXX, 2015 by email to inquire about this supposed debt. After providing XXXX XXXX XXXX my social she responded back with saying I have a case number ( XXXX ) and that it shows a debt of {$300.00} for XXXX XXXX XXXX XXXX. 

I have never in my life had an account with XXXX XXXX XXXX or used XXXX service. As a matter of fact, XXXX service is not even available in my area! 

They did not provide me with the name on the account but when I proceeded to contact XXXX XXXX XXXX, they said they could not provide me with any names or phone numbers associated with the account and that to handle this I would need to file a dispute with the credit agency. 

I have requested multiple times to XXXX XXXX to offer me information on opening a dispute but get no reply. She was quick to offer me informations out the amount owed but now I am being ignored and have this negative entry on my credit that does not belong to me. 

Here is the collector 's information : XXXX XXXXCustomer Service SupervisorFranklin Collection Service Inc. 
XXXX XXXX XXXX XXXX. 
XXXX, MS XXXX Ext. XXXXFax XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (CO).
Issue: Fraud or scam

Complaint: On XX/XX/2017 I authorized a wire transfer of {$15000.00} to XXXX XXXX XXXX, located in XXXX, HI. The wire instructions I received directed the funds to an account at JP Morgan Chase Bank in XXXX OH XXXX. The money was sent from my account at XXXX XXXX in XXXX CO XXXX. My instructions showed XXXX XXXX , XXXX as the " beneficiary. '' However, JP Morgan Chase Bank deposited the funds in an account for XXXX XXXX and not for XXXX XXXX, XXXX. In fact, XXXX XXXX, XXXX does not have an account with JP Morgan Chase Bank. Nonetheless, JP Morgan Chase Bank accepted the wired funds and deposited them into an account belonging to someone else, and the funds have been withdrawn. Chase Bank should have refused and returned the transfer since the beneficiary company -- XXXX XXXX , XXXX -- and the account number belonging to XXXX XXXX did not match.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (I do not know) with Midwest Recovery Systems (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This organization has posted a fraudulently negative collection identifier on my credit report. On top of the fact that I do not recognize this debt, the validity of such a debt would be nullified and illegal as I am a resident of Virginia and have been since well before the purported date of this fraudulent debt. I have, to my knowledge, never had any dealings with this organization or this debt other than attempts made to remove this fraudulent identifier from my credit report. 

As a retired military veteran, I find it personally reprehensible and offensive that this activity continues to be perpetrated against fellow American citizens. I 'm confused as to how an organization can so easily falsify credit reports of individuals against whom they have no legal jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I paid Trans Union credit reporting agency to provide me with credit reports and credit scores for all XXXX reporting bureaus, but got a vague report and speculated credit score. I checked my credit score through XXXX website to find a completely different number. When I spoke with a supervisor ( Name XXXX ) he told me they calculate the score for all XXXX companies in their own way and that I agreed to some writing about it. They have the actual XXXX logo on top of the credit score with a different number than XXXX actually reports. This is misadvertisement. I did not receive what they advertise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Consumer Loan (Installment loan) with BMO HARRIS BANK NATIONAL ASSOCIATION (AZ).
Issue: Managing the loan or lease

Complaint: In XX/XX/XXXX, we took out a land loan from M & I bank for {$42000.00} at an interest rate of 8.5 % for XXXX yrs. This complaint was previously filed as case # XXXX. I am attaching a copy of our statement to show that after paying this loan for 8 years, we have decreased our principle only by {$4800.00}. So far, YTD, we have decreased our principle by {$180.00} ( this is through XX/XX/XXXX ). We spoke with XXXX XXXX ( BMO Acct Mg ), and he wanted us to apply for a new loan, pay the fees and the appraisal, but then he could not guarantee us that they would do the loan or what the interest rate would be. They have the loan. It would be in their best interest to help us to reduce the interest rate and make the payment more affordable as well as assisting in paying off the principle. I do n't see how, at this rate, we are ever going to pay off this loan within 22 years. Also, 8.5 % is a high interest rate in today 's market. We need assistance in getting this loan payment reduced. My husband is now retired and I am the sole payer on our loans. We would like someone to please look at this and assist us as BMO has not assisted us at all. They have no interest in helping us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There a re   XXXX   compan ies reporting a delinquent account that originated with a 60 month loan with  XXXX  that was secured by a vehicle. T he Loan was  originated on   XX/XX/XXXX   for the loan amount of {$18000.00} at 22.99 % APR with the first payment due on   XX/XX/XXXX  . I paid this loan as agreed until Approximately   XX/XX/XXXX  when the loan was transferred to   XXXX   XXXX   for servicing. I was notified by    XXXX   XXXX  that my balance was still {$13000.00} after I had been paying my payments since   XX/XX/XXXX    ( 5  years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on   XX/XX/XXXX  which I refused via fax on  XX/XX/XXXX  and asked them to come and pic k up the car that the loan was secured on.      XXXX   XXXX  then transferred the Loan to  XXXX   XXXX  who also tried to collect before selling the account to LVNV funding. I currently have a delinquent closed account being reported on all  XXXX  of my credit bureau reports by  XXXX   XXXX   XXXX  for the loan which was originated with  XXXX  as well as a delinquent Open Collection Account on all  XXXX  of my credit bureau reports  by LVNV Funding  in the amount of {$13000.00} which again was originated with  XXXX . My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the   XXXX   XXXX   Welcome Lett er ) ; comple tely different than the Original Note ( Shown on the  XXXX   Loan Origination Note ) Th e   XXXX   XXXX    Welcome letter does however reflect the correct  XXXX  Loan/Account number and corresponding  XXXX   XXXX  account number, which is then referenced by  XXXX   XXXX  an d LVNV  Funding. I will also include a letter from  XXXX  stating that they no longer have any of the documents of my real estate loan that was originated with t hem ( it was actu ally a 60 month vehicle loan that originated on   XX/XX/XXXX  ) s  o t hey will delete the account from my  XXXX  agency credit reports.     I would like to have any delinquent accounts associated with the Loan that was Originated with  XXXX  be deleted from all  XXXX  of my credit bureau reports PERMANENTLY Deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech mortgage will not stop charging for optional insurance long after it has been cancelled. I have a cancellation letter dated XX/XX/2017 and the optional insurance continue to be billed. Even though the insurance was just {$33.00}, the non-payment generates late fees and causes the mortgage payment to appear on the mortgage statement as " suspended. '' In reality the optional insurance is paid to the XXXX. The cancellation letter goes to me but it is unclear how Ditech is informed. This much is true, when I called Ditech on XX/XX/2017 and talked to XXXX and then to XXXX to complain about the continuing charges, late fees, and late payments due to their " suspensions '' I was told that XXXX is responsible for the charges not Ditech.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing on a mortgage

Complaint: This is not a new complaint. I noticed that I have complaints that remain unresolved. Can someone follow up on this please?

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 05/21/2015 about Debt collection (Payday loan) with Enova International, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The company that is handling this debt is called XXXX XXXX XXXX. The phone number I have for them is XXXX and the woman I spoke with is named XXXX XXXX at ext XXXX. She called my home on XX/XX/XXXX and left a message about an outstanding account that was initially with CashNet USA ( online payday ) back in XX/XX/XXXX. She repeatedly threatened with jail time over this debt. I know that this debt was paid by the bank because when they pulled out the full amount owed from the account, that bank account ended up closing out with about $ 1400-1500 left owing the bank. After repeatedly being hung up on while trying to talk to her about this, I did some research and located this site. When I realized what she was doing was wrong and even illegal, I decided to file a claim.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX, 2017. Ocwen financial servicing have been delay my modification even though I sent them all the required document that is the third time they made refill the modification package. they kept denying it. and I 'm paying very high interest on my mortgage. it is to much, I 'm at risk of not having enough money to pay the bank, and I ask them to tell they refuse. as I read online I see many other customer are having issue with them, and they were by the government for not following rule. I guest they have a bad culture. they do n't want to help customer instead of making it hard for them to lose they house

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 03-07-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, I lost employment and after after a few months lost the ability to pay my mortgage. In XX/XX/XXXX, I received a grant from a state agency which paid my arrears in full and made partial payments on my mortgage loan through XX/XX/XXXX. I have not been late on my mortgage payment in 5 years ( there is one exception with an explanation following ) and requested that my account be reaged to bring my account current which would remove negative information - older than 12 months. 

I have kept my financial obligation with Chase since getting my mortgage back on track. While acknowleges that they have the ability to do reage my account, they will only do so if you enter into a mortgage assistance program. Which is ridiculous and a gimmick to stretch out payments and add to the overall cost of your home and compounded interest. My account is not past due and I do n't require assistance. 

I have worked hard to reestablish my credit with Chase and others and this negative information is impeding my progress. Thus, I am coming to CFPB to assist with negotiations to have my account updated to reflect the positive status for 6+ years. 

Thanks. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I owed a small amount on my account to Walmart, I was late on a payment so I decided to pay it online on the Walmart website. Their online bill payment site gives you an option to schedule automatic payments to pay off your bill, so I decided that 's what I would do so that I would not forget to pay my bill again. I scheduled the payments to come out of my checking account automatically every month, and I figured that would pay off my bill, so I was n't concerned with my statements from Walmart since I was paying off my bill automatically, and I noticed on my checking account statement they if fact had been making a monthly withdrawal. Several months after my auto payments scheduling, I received a letter from a credit collection agency that my Walmart account was placed with them due to non-payment. I have called Walmart several times in an attempt to get answers, because I was unaware that I would be getting late fees from them and would be reported for non-payment, the only information I was given was that their online payment scheduling is completely voluntary and that I still needed to pay the minimum amount due. I understand that the payments I scheduled are voluntary, however it is very misleading, I never read anything on their website that disclosed late fees and that the amounts I scheduled for auto payments would not reflect on my account. I now owe twice as much to Walmart due to late fees, if I had known my auto payments would not pay off my account and I would be reported to a credit agency, I certainly would not have set up this so called payment schedule.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2017 about Debt collection (Other debt) with The Receivable Management Services Corporation (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Dear CFPB, I am writing this letter to you to file a formal complaint against an entities named ( The Receivable Management Service Corporation ). Sometime in XX/XX/XXXX, I purchased a nonowner liability insurance from XXXX XXXX XXXX company. During my initial first six month contract it was {$580.00} total premium. I did this because I do n't have an automobile, but often rent a car ; the reason was to avoid those rented car exorbitant insurance rate. I also renewed my policy several times until XX/XX/XXXX; I decided to abruptly end it when they continue to hike the price without any reason. I have never filed any claim against my policy. I still remembered when I had a flat tire and called XXXX, but no one ever shows up. Also in XX/XX/XXXX, someone hit my rented car while was parked at XXXX parking lot. I called XXXX, but nothing was done. So I have to do the repair myself, and there was no reimbursement at all. I have three months left on my current policy at the time. A renewal notice was sent to me with an increase in premium. It was then I was upset, and without warning, I instructed my bank to decline any further ETF from XXXX which they did. I have not rented any car under which XXXX policy was used. Unfortunately, I received several notices from XXXX that I owe {$230.00}. I have called them several times to stop calling me. Even after I warned them, they have sent my name to a collection agency. I have numerous occasion told them that I do n't owe them any money, but they insist that I owe them. Please help me here ; My insurance policy was a promise against a nonowner, not against real vehicle. That promise ended whenever I decided not to drive anymore or rented a car. I used XXXX and public transportation, so there is no need for such policy. Now my name have been forward to The Receivable Management Service Corporation a collection agency. Please assist me in this matter. Look forward to hearing from you. Thanks

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