milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016 I went into a TD bank to sign for a line of credit and was forced into opening a checking account. I informed the banker XXXX XXXX that I do not need another checking account and that I wold not use it. XXXX continued to tell me that I need to establish a checking account to get the line of credit. He also stated that I have a overdraft line of credit and that it was mandatory. I informed him that I did not have the overdraft line of credit and when I spoke with the associate to set up the loan closing I informed them that I did not want to open an account. XXXX was extremely unethical when forcing products on me with misleading information. On XX/XX/2016 I spoke to XXXX XXXX from the TD Bank loan department and had my suspicions confirmed. XXXX XXXX had me open a checking account for his gain and this is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (IL).
Issue: Billing disputes

Complaint: I missed a minimum payment of {$35.00} on a TCF Bank credit card which was due on XX/XX/2016. ( I forgot it was due, because of a family emergency. ) On the morning of XX/XX/XXXX I realized this had not been paid, and I immediately paid the {$35.00} minimum due by paying online. Immediately thereafter, I called their customer service number and asked them to waive the late fee. They told me their policy is limit XXXX waive per year, XXXX in a lifetime, which is fine. Because this was the first time I asked, they said they would waive the late fee of {$26.00}. 

Their version of waiving is unique. Rather than tell you on the phone that your new amount owed for the next month is lessened to XXXX from XXXX -- whereby they subtract the late fee because they waived it -- they told me this : The new bill has gone out. You now owe {$74.00} minimum next month. I asked how that could be when I routinely owe about {$35.00} per month ( minimum payment ). They explained that I have to PAY the late fee XX/XX/XXXX and it will be CREDITED in XX/XX/XXXX Further, I have to pay them approximately {$18.00} in interest -- up front -- next month. AND I have to pay my minimum due for XX/XX/XXXX Total amount now due : {$74.00} minimum. They did subtract the {$35.00} I paid that morning as the new statement was reflecting an XX/XX/XXXX minimum due of {$100.00}. 

This is not 'waiving. ' This is having to expend more money the next month, then waiting another month for that 'waive ' to credit. And why am I owing interest as as an additional payment? And if they were able to subtract the {$35.00} payment of that morning by phone ( statement having gone out ), why were they not able to waive the late charge that morning by phone ( statement having gone out )? All I should owe for a bill due XX/XX/XXXX is roughly {$35.00}. Period. Thank you for contacting this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have not lived at the addresses listed except for XXXX Fl. 
The other addresses are my ex husbands where I never received mail nor did I ever live there. This is fraud! I only have XXXX XXXX credit card these other accounts are not mine. Please help me and direct me what to do. I want to file a complaint and charges against this person. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Bank account or service (Savings account) with BB&T CORPORATION (WV).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2016, I made a mobile check deposit from XXXX, to BBT. The check was in my name and the amount was {$2500.00}. BBT placed an administrative hold on the funds, until XXXX/XXXX/16. Once the funds were released, I learned that they had frozen my savings account where the check was desposited because they believed that the check was fraudulent. I then contacted XXXX, who told me that the funds had been sent, and that there was no way to get the money back. I contacted BBT multiple times and tried to resolve this issue, but as of XXXX/XXXX/2016, my savings account remains frozen, with no XXXX proof that the check was fraudulent. They told me that they had contacted metabank who told them that the check was unauthorized, but when I contacted metabank they claimed that no such call had occurred. A worker named XXXX in the fraud department for BBT actually placed the hold on the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (CA).
Issue: Trouble during payment process

Complaint: M & T Bank has illegally locked us out of our home at XXXX XXXX XXXX XXXX, FL Please help me understand why M & T Bank is inspecting our property and changing the locks outside of the Loan Modification agreement made with XXXX XXXX XXXX. 

* We entered into a Trial Payment plan for XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

1. ) The Defendants hereby certify that an AGREEMENT was executed in XX/XX/XXXX with XXXX XXXX XXXX XXXX, a debt collector on behalf of M & T BANK for a Trial Payment plan for the purposes of a loan modification. The Asset Manager assigned to this case is known as XXXX XXXX at ( XXXX ) XXXX And XXXX. 

2. ) The Defendants hereby certify that M & T Bank issued a WORK ORDER on Tuesday, XX/XX/XXXX which provided access to subject property at XXXX XXXX XXXX UNIT XXXX XXXX, FL XXXX on Friday the XXXX day of XX/XX/XXXX and keys to said property were conveyed. The POC for this WORK ORDER is XXXX and he can be reached at XXXX to confirm. 

* The trial payments were made as followed - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX * We were XXXX a Loan Modification package on XX/XX/XXXX. 

* The XXXX payment was made as agreed on XXXX XX/XX/XXXX via XXXX XXXX XXXX pay Confirmation # XXXX * We were granted an extension review on XXXX XX/XX/XXXX for Loan Modification Documents * The loan modification documents were XXXX back on XXXX XX/XX/XXXX Tracking No. XXXX XXXX XXXX * M & T Bank issued a property inspection charge on XX/XX/XXXX for XXXX. 

Why is there a property inspection charge on my account? 

This means that a vendor entered our property opposite of our Loan Modification? 

New carpet was installed XXXX XX/XX/XXXX. Fresh paint was applied XX/XX/2017 

I do not know what and/or any damages were made to the renovations we completed at this time? 

* M & T Bank has entered our property without notification. 

* M & T Bank has changed the locks to our property restricting access to our home. 

Will XXXX XXXX, the attorney for M & T Bank, explain what is going on? 
We have abided by the agreement and making payments on the Loan Modification as submitted. M & T Bank is restricting access to a property that we rightfully are paying a mortgage payment? M & T Bank is restricting our right to lease out the home and causing additional hardship, stress and suffering. 

I am waiting on a response. No one from Modification has responded to me on what is going on

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 11-09-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (IL).
Issue: Settlement process and costs

Complaint: I am appalled of the way US Bank has handled my loan. I have tried to work directly with my specialist however, US Bank has only sent me letters stating they will have a decision soon but nothing is getting done. US Bank is prolonging my case and not providing me my settlement. I am livid because I have wired over {$200000.00} to US Bank and they still want more money. I do not have any additional funds available I gave US Bank all the money my husband received from a severance package of {$20000.00}. I wired all the funds to US Bank and they did not give me any credit until I started to complain. I need my settlement as I was told through a recorded call. I do not want to involve any attorneys therefore, I hope US Bank can pull the recorded calls because is not fair that I gave them all the money me husband received. To make matters worse I was not able to use any of the funds to pay my husbands hospital bills ; this is really devastating.

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 05/19/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I responded to a letter from XXXX XXXX XXXX regarding an alleged debt by sending them specific demands for legally required paperwork they MUST provide as per The Fair Debt Collection Practices Act. All they sent me back were statement copies. The Federal courts have already ruled that statement copies alone do not meet the standard for validation of a debt by a debt collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My debit card was stolen, my PIN was obtained, and {$1000.00} was stolen from my checking account via a Chase ATM. The bank sent me a fraud alert to which I incorrectly responded indicating the transactions were NOT fraud. I immediately sent a new response indicating it was fraud, and called to filed a fraud claim. I indicated that I had misread the text message and that it was in fact fraud on the call. I also sent a screen shot of the text message responses. A police report was filed and I indicated to the bank that I have a good idea as to who the individual might have been who stole the card/ money, but ca n't say for 100 % sure. Finally, there was a separate claim ( which was part of the same fraud ) involving a money order and my PIN which was approved as fraud. The bank denied the ATM claim stating that it was due to inconsistent information since I had indicated it was n't fraud with the initial response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XXXX XXXX XXXX, I sent a certified return receipt letter to XXXX XXXX XXXX XXXX with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XXXX XXXX XXXX. On XXXX XXXX XXXX, I received a letter from the Credit Bureau Team of XXXX XXXX XXXX XXXX stating the have confirmed that XXXX XXXX XXXX XXXX is reporting correctly. XXXX XXXX " verified '' with out showing my signature nor providing information on who conducted the verification of the account. On XXXX XXXX XXXX, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XX/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today, XXXX, I  received an updated credit report from XXXX showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of XXXX XXXX XXXX XXXX as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).

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 07/30/2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: I purchased a Jeep wrangler in XXXX of this year, the payment is automatically drafted from my checking account with XXXX Bank on the XXXX of every month. In XXXX I called Credit Acceptance Corp, asking if I could change the draft date due to an unexpected emergency. I asked to see if the contracted could be changed to later in the month due date because that is when I receive my Social Security and I would not have to worry about being late. They stated that there was n't any way to change the payment date in the contract and I was told that there was a XXXX day grace period after which a {$17.00} late charge would have to be paid. Since my next Social Security Check would be coming in on the XXXX of XXXX the payment would be {$370.00}. I set up this amount to be drafted from my account on the XXXX XXXX to prevent any XXXX late payment on my credit. When I investigated by calling Credit Acceptance legal department, I was told that my bank told them that there was insufficient fund to make this payment on XXXX XXXX. XXXX See attached online bank information showing no attempt was made by Credit Acceptance to draft the owed amount and my bank verifies that they did not have any ACH payment request from Credit Acceptance Corp any time during that week. ) On XXXX XXXX Credit Acceptance Corp reported both myself and Co-borrower XXXX days late which has had devastating effects on XXXX our credit reports. 
Also I received a letter from dated XXXX XXXX, 2015, that mis-lead me to believe that as long as the payments were all up to date by XXXX XXXX my account would be considered never in Default. The Account is paid to date, they were able to take the XXXX Payment out and I had my bank pay them directly for any pass due to avoid any other payment recording errors. 
I did everything I could to make the XXXX payment before it was XXXX days late and Credit Acceptance did not keep their part of our agreement. I am requesting that the XXXX day late reporting should be removed from my report and should be showing as paid as agreed on both mine and XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (CA).
Issue: Problems caused by my funds being low

Complaint: I signed up for a program with Synchrony Bank. Phone number XXXX. 
The program gave me six months with zero interest. The amount I borrowed was {$990.00}. 
I went to pay my bill today, and the bill I was presented with was {$1000.00}. 
Today is XXXX. The loan was taken on XXXX. This means their salesmen are sorely untrained and not properly educated as to their sales practices, or it is highway robbery committed against my person. This can not stand. They can not steal from their customers like this. Refund my unjust interest!

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2016 about Mortgage (VA mortgage) with Stearns Ventures, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello Our mortgage company raided our escrow payment by {$300.00} and we are now unable to make our payment. Our taxes and escrow have not increased since closing and our insurance increased by about XXXX. We habe not heard anything regarding our request in the last 30 days. When we call we are told that it is still in review.

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 02-06-2016 about Debt collection (Medical) with Credit Consulting Services, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was being inundated with phone calls from this company and threatened with a law suit if I did n't pay. The next thing I know someone appeared at my door and said he way a process sever and I was being sued by Credit Consulting. 
I called them immediately and made arrangements to pay them. After I paid them a total of {$1500.00} I was told I needed to make a lump sum payment of {$2000.00}. I advised them I did not have the money to pay all at once but that I could continue with our previous arrangement of {$500.00} every three weeks. I was told that I needed to hurry up and pay the lump sum or I would be taken to court. 
I told them I would call back. After that, I called my previous employer and asked why the medical bills was never paid and they told me I was not supposed to pay the bills because I had coverage but they were never submitted to my insurance for payment. 
I did try to explain to the representative from Credit Consulting in the beginning that I had insurance but was told this was the balanced I owed from what my insurance already paid, so when they threatened me with a law suit I agreed to pay them because I was scared and they had already placed the accounts on my credit. Now I have paid them {$1500.00} of money that I had to borrow and I do n't even owe them and they have damaged my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit card () with Continental Finance Company, LLC (NY).
Issue: Closing/Cancelling account

Complaint: Back in XXXX of 2016 my CC exp. And i was not issued a replacement card. For three months i called and requested a new card, but XXXX was never received. I continued to express my frustration ; while paying my bill. During the fourth month, i stopped payment and requested the card once again. At that time i was told that a card was not going to be issued, due to me having a late payment. Taking it up the chain and once again expressing my frustration with not being able to make purchases due to me not having the card. I was told nothing could be done for me. At this point i closed the card. After that ive been hit with a lot of fees. Ive tried to resolve the issue and i keep getting told that they ca n't help. The acct has hit collections, but in no way do i feel like im responsible for the balance that im being told. Im greatful for your assistance. Thanks in advance.

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 07/26/2017 about Debt collection (I do not know) with LENDMARK FINANCIAL SERVICES (ID).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have enrolled in XXXX XXXX XXXX as an alternative to filing for bankruptcy. I have notified Lendmark Financial that I am enrolled in the program and to contact XXXX XXXX XXXX as they are handling this financial case. I have asked them on 3 separate occasions to NOT call me at work. I asked them on XXXX XXXX, 2017 at XXXX XXXX to not call, again on XXXX XXXX at XXXX XXXX, and again on XXXX XXXX, 2017 at XXXX XXXX to not contact me at work. I am in jeopardy of losing my job. I 've asked them REPEATEDLY to contact XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to obtain a loan modification with US Bank, since the beginning of this year. I can not get US Bank to coorspond with me in writing, phone calls, or emails. I was in bankruptcy, but my attorney was deemed incompetent, so I became my own attorney and before that I explained to US Bank to send me any and all information pertaining to my loan modification due to my attorney 's situation. Still not able to get cooresponding from US Bank in writing, any returned phone calls, status updates, or emails. It 's very frustrating and scary, since its my home where I live I 'm trying not to be forclosed on. I feel like this lack of communication between US Bank and I is being done to forclose on my home. Along with other unorthodox bussiness practices and procedures is unconscionable to people like me and my situation. I 'm sure others are going through these same hurdles as me with US Bank. I believe their business practices is done intentionally and widespread. Something needs to be done, because this is an injustice on people with hardships trying to save their home and because it is very time consuming

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I have a Bank of America savings account. I submitted a single payment to my XXXX XXXX account. I incurred five separate overdraft fees which Bank of America was unwilling to refund.

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Upon viewing my credit report, I noticed that  Westlake Financial Services  had placed on my credit a  XXXX  separate balances-one was a charge off balance of {$7100.00} and the other was a past due amount for {$5900.00}, for a vehicle in which was voluntarily surrendered that I had cosigned for. I collaborated with this company via telephone and spoke with a representative there. Upon speaking with this gentlemen, I requested a bill of sale from this company for the amount in which, the vehicle was resold for and the difference in which was owed. The gentlemen, then abruptly to me that he could provide me with a breakdown of all of the charges including an impound fee, in which was not true. The car was surrendered from  XXXX  ' auto body and repair, after they had to be contacted several times by myself and the owner of the auto body shop. Again I requested a bill of sale for the resale of the vehicle and was told that it would be provided, this occurred in early  XXXX    XXXX  , and have not received any letter, bill of sale, etc. This was an attempt to settle a debt and this company is totally non-compliant with my request.

Company response to consumer: Closed with explanation