milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: In the past 12 months Bank of America has charged my accou nt $     XXXX    *15   t imes. In a majority of the cases Bank of America will hold larger debits run the lower amounts charge me a fee and then the larger amounts will bounce because of the fees that they take out of my account. This month alone it has happened 3 times.     I transferred {$200.00} to cover my car paym ent on  X/XX/2017 . There was a credit pending on my account for {$38.00}. Bank of Am  erica held the credit of {$38.00}. Charged me a {$35.00} fee and the {$200.00} carpayment rejected. While some of these fees are legitimate as I am a single mother - recently divorced and experiencing financial hardships- the amount of fees charged on my account has been the cause of other transactions going into NSF status. They have taken so much money out of my account making my situation so much worse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2016 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: XX/XX/XXXX I applied for a hardship economic deferment on every educational loan I possessed. This deferment was granted for the consolodated subsidized and unsubsidized loans adminstered by AES, but AES denied this deferment for XXXX private signature loans they were administering on my behalf. As I was in XXXX XXXX outside of phone contact and with limited internet connection, I organized electronic communication to follow up with my loan deferment process as I would not be able to have access to standard postal letters. XX/XX/XXXX, I was able to return to the United States and retrieve my postal mail where I discovered a letter never delivered electronically to my account which stated that my deferment request was denied for the XXXX private student loans administered by AES. When I contacted AES to inquire why this notice was not sent to me electronically as I was in XXXX, or inquire as to how I was able to fix this mistake, I was informed that AES had closed that account and sold the debt for those obligations and could not comment on how or why electronic communication was not sent to me, why I was not contacted, or why the deferments were denied. When I asked how XXXX loans administered by AES could be denied a deferment when XXXX other loans administered by AES were granted the same deferement for the same period, I was told they could not comment as they had closed those accounts. In XX/XX/XXXX, I once again applied for a deferment from AES which was denied, while the same deferment was granted for the same period with the same information for loans administered by XXXX. When I contacted AES to inquire how a federal loan could be denied a deferment when the same deferment was applied to other federal educaitonal loans, through the same program, with the same information, I was informed that they could not comment on why and I should just reapply. I believe that AES is purposefully and systematically seeking to deny deferment requests in the hope that individuals will not notice or be able to contact AES services so the loans could be placed into default and claimed under federal insurance programs. I am seeking assistance as I have returned from XXXX and would like to address the issue of the XXXX loans which were denied deferment, subsequently placed into default, and are now an issue on my credit, to which AES has consistently refused all comment or willingness to address. I left with a debt that I am not able to address and a company who is not interested in working with me to create an adequate method for repayment, which is now affecting my credit and backgrond investigations for future employment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: For 4 years I have been fighting off several collection agencies for a {$150.00} bill from sprint that was the result of someone pretending to be me and obtaining service. 

Now ERC wants to collect this money thinking that once again damaging my credit and hounding me I will give in because the amount is small. 

The representative at ERC told me that the only thing I can do is pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Scam Victim, I applied for loan threw XXXX XXXX XXXX. 
All they told me I had to was that XXXX XXXX would deposit money into my acct. to pay for my processing Fee .. So I was instructed to go to XXXX XXXX send to this person for my loan fees. 
So .. I did that. Next thing he tells me that I have n't paid my Taxes. 
He would cut me a deal. I owe XXXX I would only owe XXXXXXXXI knew right then this was a scam. I said no so XXXX the loan manager start to threaten me. 
Then I get all these XXXX from my bank Wells Fargo over XXXXXXXXHe made the claim. Stolen identity. And XXXX will not give me my money backThis is wrong .. Help. PLEASEXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Other debt) with TOWER LOAN OF MISSISSIPPI, INC. (AL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have a personal loan with Tower Loan in XXXX, Alabama. Due to hardship from reduced hours at work, I hired XXXX XXXX XXXX XXXX to help me consolidate and settle my debts. I was advised by XXXX XXXX, not to accept debtor phone calls because they will deal directly with the creditors. 

Tower Loan has called my number as well as my job, my family members and my friends leaving threatening messages to reach me. Several of the people they have contacted have asked to be removed. 

Today, XXXX XXXX,2017, I contacted Tower Loan, against the better advise XXXX XXXX, to tell them that I was utilizing a debt consolidation company to help me settle with them. I was advised that Tower Loan will not work with credit consolidation companies and I had no choice but to renegotiate my contract with them and resume monthly payments. 

I reported this advise to XXXX XXXX and they advised me to submit a complaint with the Federal Trade Commission for harassment.

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 11/30/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Credit card protection / Debt protection

Complaint: My BOA debit card was lost/stolen. When I realized I called BOA who froze the card and issued a new XXXX. The thief was using it around town. I disputed the charges but today BOA said no fraud occurred and I am liable for the charges. I am upset that the card I had was able to be used with out a PIN and that they do not believe me that the card as stolen.

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 02/14/2017 about Debt collection (Medical) with WESTERN CONTROL SERVICES, INC. (CO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Good Afternoon, I am extremely upset with the services provided and the lack of understanding your office offers. As of today, I have called 4 days in a row ( and 4 times in XXXX day ) to attempt to work with Western Control Center. As of today ( XX/XX/XXXX ) the company has called me since XX/XX/2016 but only left me XXXX voicemail message. When individuals do call me from any phone number from Western Control Center, the call is immediately hung up after answering. Can someone explain how that is fair? 

As of today, I am unable to make any payments including good faith payments as I do not qualify. I do not qualify becuase I refuse to provide personal bank statements along with my common law partner 's information, bank statements, and pay stubs from both of us. I have asked numerous times to please explain how I am to make XXXX payments of {$880.00} or monthly payments of {$580.00} when the company doesnt take into account basic living needs. 

As of today, XXXX stated that he would assist me. He asked me where I was working and what pay rate. He then said that " IF the information checks out '' the lowest he could go is {$500.00} a month. I stated that I was not able to do that a month and that they are not taking into account my rent and other bills. He was frustrated and toward the end of the conversation stated that I dont need to send in my information and he trusts it was true. When I asked why he would not need proof of my bills he said I was welcome to send in whatever I wanted but that it didnt matter. {$500.00} a month was the lowest his collections department could go. When I asked to speak with someone in the collections department he said I had already spoken with everyone in the office. I asked " then why cant anyone work with me? and why do you need to have this information reviewed by another person but your deciding my personal expenses dont count suddenly? '' He replied with " you are just going in circles, I can not give you legal advise and there is nothing further I can do. You either pay it or I take the next step. '' I asked what the " next step is ( garnishment ) '' and he stated that he can not give me legal advise ( as if I was asking ). 

At this time, it has been determined and proven that Western Control Center will not only push you to get as much money as they can but if you do n't comply with their way, they will force their way through the legal system. That will include liens, garnishments, and any other forms of collection money. 

Terrible group of people.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Payday loan () with CURO Intermediate Holdings (IL).
Issue: Received a loan I didn't apply for

Complaint: Pay Day Loan was taken out in my name XX/XX/XXXX 2015 from " Speedy Cash ''. I did not request this loan/application.

Company response to consumer: Closed
Consumer complaint received 12/16/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I received a alert from all XXXX credit bureaus that a new account hit my report causing my scores to drop dramatically. The collection was from XXXX which was removed earlier this year. I received no documentation validating this debt from the original creditor which is a violation of the FCRA. I would like for this to be removed from all XXXX credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Private student loan debt) with TRANSWORLD SYSTEMS INC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I started having communication with XXXX XXXX XXXX years ago ( ca n't recall exact date ) when they acquired my account. I tried to arrange payments, but they wanted {$2000.00} before they would speak to me. If I had that, I would not have been in this position in the first place. My original loan with XXXX XXXX XXXX was for {$25000.00}. They came in with a figure of {$29000.00}. After taking me to court, we had settled on a no-interest payment plan. We also had my father removed from the loan as his signature was not legit and was on this document. With hardships at work, I could not afford the payment. After a few months, I received a letter that my payments were to be made to the XXXX County Sheriffs Department. It was to be 10 % of my weekly gross pay. I was paying {$50.00} a week, but had to by Certified Check or Money Order. This was costing me about {$55.00} a month. After sometime, it be came difficult to pay on my low salary with my other bills. After a few more months, my salary was garnished to collect fees weekly, leaving my strapped once again. 

I had since left that career and sent payment when I could to the XXXX Department. Last payment was for {$50.00} plus a {$10.00} bank fee for a Certified Check and that was on XX/XX/XXXX. 

On XX/XX/XXXX I received a letter stating " We are in the process of searching for assists to satisfy the judgement against you. If non-exempt assists are located, we may send the judgement to an enforcement officer for execution against said assists, unless we can make a satisfactory arrangement to resolve this matter ... '' To try and avoid this, I made an online payment to XXXX XXXX  XXXX for {$25.00} on XX/XX/XXXX. I also sent an email to try and make an arrangement to avoid any more harassment or enforcement attempts against me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Rewards

Complaint: I signed up for XXXX American Express cards - a regular XXXX card, and a XXXX XXXX card. Each of these cards offers a bonus if you refer someone using your account - the regular XXXX card offered XXXX points per signup, and the XXXX XXXX card offered XXXX per signup. I was able to get XXXX people to sign up, XXXX for the regular XXXX at XXXX points ( XXXX total ) and XXXX for the XXXX XXXX at XXXX points ( XXXX total ). However, none of the points ever posted, and I 've been complaining and exhausting all options and yet I still can not get anyone at American Express to help me - they just state that the people who did n't sign up did n't use my link. Mind you that I literally stood over some of them while they used my link, and all XXXX will vouch that they did use my link, and I have proof that my links were sent to these people through the American Express website. I 've gotten nowhere with American Express and believe they have a system glitch and are just trying to weasle out of paying me my XXXX points owed. Also, there are multiple people online who had the same issues with these XXXX specific XXXX cards. Where can I go from here to make American Express follow through?

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2018 about Checking or savings account (Checking account) with TCF NATIONAL BANK (IL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have asked numerous times TCF bank to talk to a manager. I was treated rudely by the girl at the front desk. Stating she was the only one to talk to. I tried calmly to explain my situation. As I had an alert put on my account so that I wouldn't go over. But for some reason TCF bank didn't put it on or removed it. Now they have charged me over {$2500.00}. in overdraft fees and taking all my money that I am trying to feed and house my children. I am going to be homeless with my family. All because of TCF banks horrible practices. They are literally stealing my hard worked money. This is wrong. I contacted Attorney General and they submitted a complaint to your office. I really need HELP ASAP befroe my family and I are homeless due to the practices of unrealistic overdraft fees. And also not contacting me when this first began. I tried to speak with someone to no avail. The girl at the TCF branch at XXXX XXXX XXXX in XXXX XXXX Ill. basically said oh well not our problem!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX / XXXX XXXX : Loan # XXXX Property address same as above To Whom It May Concern : This is regarding a bank load ( mortgage ) that when into foreclosure on our residence listed above. We were offered verbally ( and also by letter ) a chance to modify this loan under an agreement of a trial period of three months. I, XXXX, verbally accepted this program immediately ( XXXX XXXX, XXXX ). The three month trial period consisted of paying the amount requested by Capital Bank on time or before the XXXX of the month beginning XX/XX/XXXX through XXXX XXXX, XXXX in the amount of {$730.00}. My husband and I agreed to this and complied with their request. Thus far, we have wired 2 payments on time with the third being due XXXX XXXX, XXXX. In the meantime Capital Bank sent a letter to us stating that there were XXXX liens against the property from The XXXX XXXX XXXX XXXX. The XXXX lien being in XX/XX/XXXX in the amount of {$50.00} and the XXXX lien being in XX/XX/XXXX in the amount of {$2900.00} again from The XXXX XXXX XXXX XXXX XXXX. 
First of all my husband and I were not born as of XX/XX/XXXX and in XX/XX/XXXX we were XXXX year old. 
Capital Bank refers to our residence which did n't exist back in the above dates rather was built in XX/XX/XXXX. 
The property ( XXXX XXXX XXXX, XXXX, New Jersey XXXX ) was left to us via inheritence in XX/XX/XXXX. At that time there were no liens on this property. Furthermore, in XX/XX/XXXX we borrowed {$200000.00} from ING Bank and the liens did not appear at that time either. 
We have been informed that ING Bank was bought by Capital One Bank. 
Capital One has put my husband and I back into foreclosure and is preparing to take our residence away due to these liens. It was not the mortgage we were behind on rather the property tax. The taxes were to be included with our mortgage modification and that is what we are now paying on the mortgage including taxes. 
We have had several hardships in the past three years. First of all, we owned a XXXX family dwelling next door to our property which we collected approximately {$60000.00} in rent a year. Unfortunately, XXXX of the tenants in XX/XX/XXXX started a fire with a faulty electric heater and burned the XXXX-family down to the ground. Since then we have lost our income in rents, and the building. Secondly, I, XXXX XXXX XXXX had a serious fall XX/XX/XXXX and was in XXXX and hospitals to XX/XX/XXXX as I XXXX. XXXX. This put my XXXX on hold for 2 months in which I lost almost 3 months of work recovering. Obviously this made us fall behind financially. My XXXX is a XXXX person office and was closed this length of time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CBE Group contacted in XXXX, 2015 about a XXXX XXXX XXXX bill for {$830.00}. I paid them on their web site. I just found that they are still telling XXXX that I have not paid, and did so as recently as four months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I am concerned about the Equifax data breach. I have to take ( and pay for ) steps in order to protect my credit which was compromised through no fault of my own. Credit freeze and thaw should be free under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: XX/XX/XXXX I went to www.equifaxsecurity2017.com website due to the breach. After putting my last 6 digits of SS # and last name Equifax confirmed that I have been breached and the next step was I am to get a email notification to get " TrustID Premier Identity theft protection. 
XX/XX/XXXX, I received my email notification and to click on the link https : //trusteidpremier ... ... and to follow the steps. The link was spinning it appears for 10 minutes and then finally gave up. I tried again and Equifax said that I already attempted and appears I am in system. I DO N'T have any idea what that means. 
XX/XX/XXXX at XXXX I call Equifax at XXXX CA time. Spoke with XXXX and he was completed disrespectful and yawning and even sneezed but did say excuse me. Nonetheless, XXXX after verifying my information and saying my SS # out loud which I believe no one should ever repeat you SS #. They should ask you to say it again yourself. XXXX said I will be getting another email notification and should work then. 
XX/XX/XXXX the new email notification arrived and I clicked on the link and the website said " Temporary out of Service ''. 

I am asking for your help and have Equifax be totally accountable for there lack of security an thus was hacked.

Company response to consumer: Closed with explanation