milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Other

Complaint: I went to local Bank of American Branch and forwarded {$500.00} XXXX Money Order for a secured credit card. 
I was approved and received my card from Bank of America. 
Within days, my first transaction was declined. I called and was told that my account was closed due to NSF check. I immediately went to the same XXXX XXXX and they forwarded me a printout showing the Money Order was issued and was never even presented for payment. 
I went to the same Bank of America and was told that there is nothing they can do because I do n't have a bank account with Bank of America. She called her credit card department and was told the same thing ( with correct money order # and routing number ). 
I received a generic letter from Bank of America - " We 've received notification from your bank that the check that you provided to secure the above referenced account has been returned due to the transaction was not authorized ''. There is NO accompanying return Money Order or any form of payment. 
I went back to XXXX and again they confirmed the same thing - money order was issued but has not been presented for payment. 
I returned to Bank of America branch to inquire WHERE IS MY {$500.00} Money Order. Once again, they told me they have nothing to do with the credit card department. 
This amounts to legal bank robbery.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/17,XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ca XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX XX/XX/17,XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XX/XX/2017 XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Tx XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/17 All of these companies have inquiries on my credit report that were never authorized by me.

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 05/13/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (AL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been paying ChaseXXXX XXXX of my total Gross income ( which totals XXXX of my Net income ) each month for XXXX years. I contacted them today to see if there was any way to lower my payments for a short amount of time to allow myself time to catch up and pay off other items as well as create a savings account cushion. The representative I spoke with told me I could apply to have my payment cut in half for 3 months, after which the monthly payment amount would greatly increase. This seems completely unfair to me as I am simply asking for a small amount of assistance because I pay so much for the loan already, to raise the payment by a significant amount because I need help feels like a punishment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Payday loan () with Enova International, Inc. (MD).
Issue: Charged fees or interest I didn't expect

Complaint: I was told my loan would be be about XXXX month they took out XXXX this month they are taking XXXX out of bank I live on widows pension this is very hard on me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (AZ).
Issue: Struggling to pay mortgage

Complaint: I'm behind one payment, nearing two payments due, I was diagnosed with XXXX and going by through treatment. 
Before things worsened, I called US Bank mortgage to see if they might be able to help in some way so I can have the ability to pay for my XXXX and XXXX treatment. 
They stated they only could : Do repayment plan- meaning " catch up '' Forebearance plan- meaning " let payments stack on each other, then try to catch up '' And Refinance- meaning possibly qualify for lower interest or restart loan amortization for another 30 years but not guaranteed. 

None of this really helps in any way to consumers in my situation.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had XXXX XXXX for internet/cable service. Part of the service included a tablet that was given to me for having the service. The tablet needed repairs and I called XXXX for service. The advised that they would send a return envelope. At the same time XXXX sent me a return package for the equipment I had since I was ending service with them. I inadvertently sent the tablet to XXXX. I called XXXX immediately when I saw that I made the error and was transferred around to several people who were of no help. I finally spoke to a manager who stated that anything sent to them is listed as equipment and there was no way to find it. I told him what was sent and I have the return receipt and where it was sent. He said that they are not going to send anyone in the warehouse to look for it. I stated that I still have the actual equipment and he told me that it was of no use to them. Since then they have dinged my credit report for the price of the equipment that they would not allow me to return but somehow managed to keep my tablet. I want it back.

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: On XX/XX/2018 & XX/XX/2018 I filed a formal complaint with XXXX XXXX that they are reporting inaccurate credit information. I demanded to see VERIFIABLE PROOF ( an original consumer contract with my signature on it ) about these accounts because according to FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify, through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT, any and all accounts that they post on a credit report. TransUnion simply responded by updating those accounts as verified and accurate and NEVER sent me the verified proof that I demanded.

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 07-12-2015 about Credit card () with DISCOVER BANK (TX).
Issue: Billing statement

Complaint: I contacted Discover to pay off the higher balance of my card. The guy told me {$570.00} would pay off the higher rate but I had to pay the same day when my regular payment would be deducted from my bank. I mistakenly used my old checking account ( i forgot to delete it from my discover profile ). i called back & explained. the lady told me she would waive the fee but not until XXXX XXXX because she could n't see the NSF fee ( not real time ). I paid the {$570.00} because the payoff would have been {$560.00} but I wanted to make sure interest would be covered because the rep could n't tell me the exact amount to payoff the higher rate. statement, dated XXXX XXXX, came & showed I owed {$160.00} in interest. I spoke to a rep today and he said the remaining balance on the higher rate was {$44.00}. I paid {$58.00} just to make sure. 
The rep was not very sure of himself or the method ... he could only tell me that the payment posts to the lower rate first then the higher rate. He said that the payment on XXXX/XXXX/15 went to the minimum due for XXXX XXXX and the remaining went to the higher rate but still could n't me a breakdown. 
My complaint is that Discover 's statements do not reflect the breakdown of the payments. The statements are very confusing and I 'm willing to submit a copy of my statement to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Although I asked my student loan servicer to place me in the Income-Driven student loan repayment plan with the lowest payment, it placed me in a plan with a payment that was about {$500.00} higher than a payment I was eligible for. The details are below. In XX/XX/2016, I submitted an " Income-Driven Repayment Plan Request '' ( Federal OMB form no. 1845-0102 ) to have my servicer, Nelnet, calculate my payment under the above quoted form of student loan repayment. I asked, in Section 2, item 2, that " I want my loan holder to place me on the plan with the lowest monthly payment. '' As shown in numerous cites, e.g. the one below, at this time a new repayment program with the acronym REPAYE had come out that ( a ) was a plan for which I was eligible because my student loans are " direct '' loans as shown on my balance sheet from studentloans.gov and ( b ) caps the payment at 10 % of discretionary income. Instead of putting me in that plan, they placed me in the IBR plan, which caps payments at 15 % of discretionary income. This cost me {$500.00} a month extra over the past 8 months or so. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (OH).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: This is a problem with my paypal account. They keep asking for the same information, which I provide to them, and then they simply ask for it again, They have had my money in reserve for months for no reason and now my account is limited. I mostly use paypal to buy now for the past 2 years, not really selling with it any more.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have supplied the Pacific Union Financial LLC for the loan Number # XXXX All the requested documents as per their Research Department Asked for over numerous calls faxes and letters. The documentation from Police department and the Bank which I was victim of Identity Fraud and Theft. Proof was sent by certified mail, fax and email. 
The Loan company first did not acknowledge that they received my documentations and numerous phone calls. Later they simply do not respond to their own inquiry regarding the proof and supply of the documentation to properly investigate. I have even provided them with the contact information of XXXX XXXX Police Department Lieutenant investigating the fraud occurred on my behalf at the bank which was funding my mortgage payments. I even provided in writing the all required contact information of the bank manager. An official letter from the bank that all my asset were frozen due to the ongoing fraud investigation at the branch.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Trouble during payment process

Complaint: 1. Property Address :   XXXX   XXXX   XXXX     XXXX   XXXX  , NC  XXXX  : See Attachment A : Repeated Demand MANDATORY QWR response.
Pursuant to : 1. a : RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ), b : TILA 15 USC 1641 ( f ) ( 2 ). c : TILA 15 USC 1641 ( g ) ( 1 ) a-e d : Saving Homes Act   XXXX   https :   XXXX   2. All Insurance policies associated with the subject mortgage and any TRUSTS, including but not limited to REMIC Trusts.
3. ID Theft notifications.
4. Explanation for perjury, fraud and fraud upon the court in case #   XXXX   Inre :  XXXX , SEC.gov and   XXXX   XXXX  ,   XXXX   XXXX  , clerk files and land records. see attachments a : POC b.Disputed/Denied Debt.
5. Explanation for contract failure ( s ).
6. Identify ALL Owners/Lenders/Trustees/Services and dates acquired.
7. Copies ( front & back of document ) a : Mortgage Note. b : Deed of Trust.
8. Copies of Form 1003, 1007 and Appraisal.
9. Copies of ALL BPO, Appraisals and valuations  XXXX  purported origination until   XXXX   XXXX   XXXX  .
10. An accurate accounting of all debits and credits applied to the purported mortgage transactions from origination until   XXXX   XXXX   XXXX  .
11.   XXXX   XXXX   is preparing litigation however the   XXXX   XXXX   XXXX  , Bank of America and misc servicers are refusing to identify MANDATORY information in order to allow ALL defendants to be litigated while attempting to notify VICTIMS of the bond certificate scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was informed that I owe from a credit card taken out in my name that I did not authorize, and I am being sued for the amount of {$840.00}. 


Midland was asked to send verification of debt owed on XXXX days, and that was not abided by. Cease and desist of reporting to credit bureaus was demanded while debt was in dispute for fraud. This did not happen. I was summoned to appear in court even after I had disputed this claim. I lost out on a day 's wages to go to the court date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: What I said in my complaint ...       To whom  it may concern, I mailed a Multiple Inquiry Removal Letter  on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it state s that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. This many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case, and is hindering building my credit as I plan to purchase a house by the end of the yr or early  XXXX . I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 12-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016 I went to Bank of America to open new checking and saving account. I had an offer with me ( Internet offer printout ) which says, " Get {$300.00} once you open a new checking account and set up and receive direct deposit totaling {$4000.00} in the first 90 days. '' After reaching the branch I met with a banking personnel ( XXXX ), I showed this coupon to him which he said the bank will honor this coupon he also took the buy in from his supervisor ( XXXX ). After this I opened the bank account and set up the direct deposit which totaled beyond {$4000.00}. 
After this I visited the bank 2-3 times and the same guy told me that I need to wait for 90 days. After 90 days when I again visited the bank ( date : XX/XX/2016 ) XXXX called his marketing team and told me that it will take another 60 days but I was not convinced as I thought he is just buying some time but when I argued then he and his manager told me that they will open a case in their system and I will get my {$300.00} promotion in 30 days. The case ID is XXXX. 
After 3-4 days I got another phone from BOA case department and they told me that they will not be honoring that coupon as that was an internet generic offer. I tired explaining them that I already said the same thing in the initial time of opening the account and that time your guys promised me that they will honor it and after 4 months you are declining it. She kept on apologizing as their banking officials gave false promises but refused to honor this and told me to check with branch officials and closed my case. 
I completely felt cheated as I did n't conceal anything and told everything before clearly.

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 07/27/2016 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: After my mother passed away in XXXX, 2016 I received XXXX from her will. I asked my accountant what he thought I should do with it. He recommended that I should put it into tax free municipal funds. The XXXX was initially put into my checking account at TD Bank. I went into a TD Bank branch and a customer service representative told me that he could help me with tax free mutual funds. He ended up putting {$180000.00} not {$190000.00} into a life insurance product from XXXX XXXX XXXX. He got my signature on pages that were misrepresented as tax free mutual funds. I returned to the same TD Bank branch and found that that same representative no longer worked there. I went to the branch because I needed some funds for medical expenses ( I have XXXX XXXX ) and educational expenses for my son in college. I found out that I do n't have any tax free mutual funds but an insurance policy. I believe that I was given the wrong information by TD Bank and lost XXXX to a product that was misrepresented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a XXXX XXXX card issued through XXXX in XXXX for {$800.00}. It got behind and went to collections with XXXX XXXX XXXX. XXXX XXXX got a judgment against me in XXXX in XXXX county court. XXXX XXXX went out of business in XXXX. Now " The Law Office of Fredrick J Hanna '' has the acct and is trying to collect {$3200.00}. I called them in XXXX of this year and we settled on {$920.00}. They said they would send out a settlement agreement. I called them back today to see if it was mailed and was told there is no record of me calling nor of any settlement amount. My wife and I are trying to purchase a home and this is the only thing in the way. I agree to pay my debt and a little something extra from the collectors troubles, but now it seems like they want me to pay the full {$3200.00}. I do n't even know where that amount came from. XXXX XXXX is out of business, and Fredrick J Hanna lost a major class action suit a XXXX years ago. It looks like they are trying to get the consumer to pay for their mistakes. Im in XXXX and Fredrick J Hanna has an office not XXXX minutes away in XXXX. This can be paid immediately if they would agree to the amount we settled on.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Bureau Name EOS CCA Original Lender XXXX XXXX XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$120.00} Date Account Opened XXXX XXXX 2014 Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (KS).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX before my husband death had refinanced without me signing the note or the mortgage. In XX/XX/XXXX JP Morgan Chase foreclosed on my home. I paid about 75-80 % of the loan when JP Morgan said I defaulted on the loan. Doing a sheriffs sale JP Morgan was the only bidder and bought the note, and added court and other fees to the amount owed. I did not receive any money from the equity I paid in my home. The judge XXXX from the district court of XXXX county in XXXX Kansas. I believe XXXX colluded with JP Morgan Chase to steal the equity in my home, and give me nothing. XXXX stated in a motion that there was a conformation of sale and that all parties were satisfied. There never was a conformation of sale and then JP Morgan Chase assigned my title to XXXX, and the XXXX to filed eviction notice, and gave me 6 days to move out. While out of my home I got a motion in the mail of relief of stay. I had filed bankruptcy in XX/XX/XXXX, and XXXX filed the motion to ask the federal bankruptcy court to allow them to immediate evict me from my home, to sale, and depose all my furnishing. 
I believe JP Morgan Chase fraudulently used my signature from the first loan my husband and I signed when we first bought the this home. I believe JP Morgan Chase did not own the mortgage to my home, and I believe JP Morgan Chase committed racketeering, fraud, and stole the equity in my home. I am currently waiting eviction again. I want JP Morgan Chase investigated. Bankruptcy case Number XXXX, and Foreclosure case number XXXX both court are in XXXX Kansas.

Company response to consumer: Closed with explanation