milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2016 about Mortgage (Conventional fixed mortgage) with REGIONS FINANCIAL CORPORATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold twice to new Servicing Banks. Each new Servicing Banks ( Regions Bank and XXXX ) did not offer a bi-weekly payment program. This program is of great interested to me. To manage this lack of service I chose to pay at least 1 month ahead in full and early. After the additional payments were made I submitted partial payments equal to more than half of my monthly mortgage payment intending to create my own bi-weekly payment program. 
I was told that the bank can not accept partial payments even if the payment history is caught up and future payments were already paid. They said any additional payments would go to principal. Since in order to leave the servicing bank I would need to refinance I have no choice but to be forced into living with these unacceptable banking practices. 
To me this is clearly not in the interested of the borrower and is intended to make it harder to pay down the loan early. The excuse that they can not hold a partial payment because of technical reasons is unacceptable. 
I do n't believe that this " Common Industry Practice '' is appropriate or even ethical. If a borrower is up-to-date and ahead on payments they should have the right to pay partial payments on a bi-weekly basis to help with budgeting and early pay down of the loan. 
A consumer should not be forced to stay with a bank because their loan was sold if they do not like the agreement. The consumer should have the right to change banks without cost to them if they do not agree to new payment limitations. At the very lease a consumer should have a say as to what happens to their extra mortgage payments without the constraints of bank procedures that are not in the clients interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2015 about Consumer Loan (Installment loan) with PLS GROUP, INC (CA).
Issue: Problems when you are unable to pay

Complaint: I applied for car title loan in XX/XX/XXXX, recently my car broke down and could afford to repair it and pay my monthly care payment I had previously paid it off in XXXX also paid off XXXX other title loans at this same location faithfully and on time. My car broke down XX/XX/XXXX my payments were due by XXXX of every month I explained I could not afford the care payments no more and would like to do a volunteer repo to what they told me is would be towed and auction off and what ever balance I had I wold make payments after they sold the vehicle since they refused to pick up the car by XXXX they extended my payout date till XX/XX/XXXX again I ask them to repo it without getting further late fees the refused the car was sitting there for a month I called pls on XX/XX/XXXX XXXX they told me they gp pick it up on XX/XX/XXXX they had me take the bus to where the car was so the manger can see it I told him it was n't working he said they will come pick it up tonight and repo will collect the keys no one came out On XX/XX/XXXX at XX/XX/XXXX I called the car still there I ask if they can please come pick it up no one return my call I am disable and pushing my self to keep going out there and seeing if the car was there the city might have taken it for abandment I repeatedly told them the care still there if they can pick it up I called pls on XX/XX/XXXX at XX/XX/XXXX told them please can they pick up the vehicle the city might tow it away then XX/XX/XXXX I finally did n't see the car they picked up the vehicle I longer saw the car I ask what the status was they never got back to me I called ON XX/XX/XXXX at XXXX I ask what 's the status on the car no ones called to pick up the keys and no letter confirming of it being towed or auctioned they told me a manger will be calling me back no ones called me back or voice message it going on for 3 almost three months since their pro longer this process and very stressful I just came out of the hospital on XX/XX/XXXX I tried to get of hold of them about the status and what my balance is or give me back my title and make payments

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: APR or interest rate

Complaint: I have a Chase credit card on which I am carrying a balance at a 3.99 % promotional rate for life. I made several purchases before XXXX on the Chase card at a rate of 14.25 % for new purchases. So as not to incur interest on those new purchases I made a payment equal to the Minimum Payment due plus an amount to equal the new purchases I had made, with a little extra for any interest that accrued since the date of my purchases. I did this for XXXX pay cycles to make sure there was not a balance under New Purchases at 14.25 %. It is my understanding that all monies paid over the minimum due will be posted to any purchases at a higher rate. It was not. 
Chase says even though I had made the purchases and those purchases were being charged 14.25 % from the date of purchase the full amount of my excess payment was not applied to the higher interest rate because it was not part of the previous Billing Cycle. XXXX, the account XXXX for Chase, admitted that the new purchases were on my account, when I made my excess payment, and that I had been paying the higher interest rate on those from the date of purchase, but XXXX said that the full excess payment was not applied to the higher interest purchases because the charges were not included in my previous billing cycle. XXXX said " it was the law ''. 
I am currently still paying 14.25 % on a balance that should not be there. I followed the rules as they were explained to me by a Chase representative and got screwed. 
I am contacting my Congressmen in hopes that this will stop once and for all. 

Had I waited for the new purchases to hit the new billing cycle I would have paid even more interest. Is this the way the new financial rules are suppose to work? More interest for the banks?

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Medical) with Merchants Credit Corporation (WA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Hospital debt from XXXX XXXX - charged off to Merchants Credit Association. Ongoing garnishment through employer for many years - it seemed cyclical - every 6 weeks or so. Thought nothing when the employer began taking $ from check but this time I did not receive paperwork. Found out from the creditor $ was not given to them and employer did not send any {$.00} Creditor informed me that they had sent the usual writ of garnishment but they employer did not respond. Creditor informed me that the debt was now the employers responsibility. One year later creditor performed a bank levy - when asked about the employer they stated 'it was easier to clean out your account than to get him to respond '. When I told them they said it was the employers responsibility I was told it was up to them to decide who to go after and to 'call back when I was more informed of what the laws were ' When I asked how much $ was left on the debt I was informed I only owed approx {$250.00} I was told they would call me with an exact amount once the levy went through so I could pay it off. XXXX {$510.00} cleaned out of my account again. They said they did n't have to call me if they did not want to. I asked for proof that they even contacted the employer - was informed as the debtor I do not have access to that I would have to get a court order. I can not prove that funds were taken from my paychecks since my employer never gave me check stubs - currently working with XXXX on that. 
Below is the informationMerchants Credit XXXX Department, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXXWrit of Garnishment XXXX Bank Levy XXXX Cause No XXXXApplication for Writ of GarnishmentExemption Claim

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Advertising and marketing

Complaint: I PURCHASED A LOVESEAT FROM XXXX AND PUT DOWN {$130.00} ON THE FURNITURE AND FINANCED THE REMAINING. I RECEIVED A BILL FROM XXXX THRU SYNCHRONY BANK AND THE RETAILER DID NOT PUT THE {$130.00} TOWARDS THE PURCHASE AND CHARGED ME FOR THE FULL AMOUNT. THE {$130.00} WAS NOT SHOWN ON THE BILL AND THEY BOTH CLAIM SEPARATE FUNDS WHICH THEY DID NOT EXPLAIN AT THE TIME OF PURCHASE. I FIND THIS VERY DISTURBING AS EVERY ONE OF THESE CREDIT CARD COMPANIES CLAIM SEPARATE MONIES TOWARD THE SAME BILL. 

ANOTHER CREDIT CARD COMPANY XXXX SENDS YOU A CREDIT CARD AND THEN A WEEK LATER SEND YOU INFORMATION ON THE CHARGES INVOLVED AND START SENDING YOU BILLS AFTER YOU HAVE CANCELED THE CARD. 

THIS IS NOT A ISOLATED ISSUE AND I STRONGLY FEEL THAT THESE ENTITIES ARE SCAMMING PEOPLE AND I HAVE ALREADY CONTACTED THE MEDIA ON ONE ISSUE AND I WANT THESE SCAMS TO STOP AND I WANT IT TO BE PUBLICLY OUT THERE TO WATCH FOR THESE SCAM ARTISTS. 

THE CREDIT CARD COMPANIES AND THE BANKS ARE STEALING MONEY FROM PEOPLE AND THEN TELLING THEM AFTER THE FACT AND I 'M SURE IN SOME INSTANCES PEOPLE DO NOT EXPECT THIS AND USE THE CARDS AND THEN GET STUCK WITH ALL KINDS OF BOGUS CHARGES. THIS NEEDS TO STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Application, originator, mortgage broker

Complaint: I have a XXXX Mortgage with XXXX XXXX XXXX and a XXXX Mortgage with Bank of America. I refinanced the XXXX Mortgage with XXXX XXXX XXXX with the assistance of The Hope Help Line around XX/XX/XXXX. The issue I am having is the HAMP program was new with a lot of mistakes and non help at the time that I received a modification. Because of the newness of this program, I was not aware that I would be able to get my XXXX Mortgage with Bank of America through the XXXX LIEN MODIFICATION PROGRAM ( XXXX ). As I was starting to realize that I was in need of the XXXX Mortgage with Bank of America Modified also, I received a XXXX loan through my XXXX Mortgage with XXXX XXXX XXXX which changed the account number. I did not request this new loan. XXXX just offered it to me and since it had adjusted the payments slightly lower I accepted the loan. This then disqualified me from getting my XXXX Mortgage with Bank of America Modified due to the now new mortgage was no longer the HAMP mortgage. I feel that XXXX hurt my situation of have the much needed XXXX mortgage modified. I have worked with XXXX and Bank of American since this happen XX/XX/XXXX and neither back is willing to help me. They are always referencing the current loan does not apply the originating loan was not created prior to the XXXX XXXX, XXXX. The XXXX refinance was originated before XXXX XXXX, XXXX. I feel that I have been duped by XXXX and they are working hand and hand with Bank of American to block me from having my XXXX mortgage with Bank of America from being refinanced under the XXXX LIEN MODIFICATION PROGRAM ( XXXX ). I have been trying to resolve this refinance issue of the XXXX mortgage since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I made a settelment amount paid it and they are showing on my credit report that i still have a balance in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (IL).
Issue: Managing the loan or lease

Complaint: JP Chase Bank is just not doing right to their customer knowing that is difficult to control their money, if purchases are made with debit card when you look a the account will show that transaction was deducted then 2days later they transaction appear on a different day and an insufficient funds fee when it was process there was enough money to cover the transaction and balance was provided. 2nd issue if check are process in the same day or night before their deposit from employer they overdraw the account and change all this fee 's when the deposit comes in. 3rd issue if they receive XXXX or more checks they put the bigger one first to over drawn the account and charge more non sufficient funds fees so we never could keep account balance and you ca n't talk to one single representative that will even take the time to understand they will either tell you if you do n't have the protection plan they will cover and charge but they still returns the check when ever they want so its deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Notice of representation was sent to Bank of America on XXXX. A letter confirming receipt of authorization along with our request of a verification of mortgage and transaction history were received as requested along with the Notice of representation. After speaking to several representatives in regards to the loan modification our office is no longer authorized to speak on behalf of the borrower. This is a stall tactic practice by Bank of America and it 's representatives. On XXXX XXXX and XXXX XXXX Customer Relationship Manager 's state our office is not authorized. This is a violation of the borrower 's rights to legal representation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX bundled their services into on account when I obtained a smart phone. After I received my first bill from XXXX, I realized there was no way I could continue using the smart, cell phone without getting myself in serious financial trouble. I spoke with someone in customer service about my dilemma and requested that my wireless bill be separated from my television and land phone. That was accomplished, however, when paying my bill for the original service, the money was applied to the wireless account. The only way I could stop the excessive charges was to stop paying the entire XXXX service package. I still had my cell phone services with XXXX and I switched to XXXX where I previously had my cable services and am very satisfied with XXXX for the past XXXX ( XXXX ) years. XXXX " held my feet to fire '' for many months, charging me for wireless cell services that I did not use, could not use and had no intention of using. XXXX turned the account over to a collection agency in 2011 and subsequently it was turned over to XXXX ( XXXX ) more collection agencies. I disputed each agency handling the account and each one closed and returned it to XXXX. I do not know which agency is reporting the item to the XXXX credit reporting agencies but it is a blemish on my credit record. I use only a debit card and do not have a credit card. I have a XXXX ( XXXX ) year old automobile that I made XXXX ( XXXX ) payments on and was never late on any payment. It is time to replace the car but I ca n't because of the XXXX bill on my credit record. I am XXXX ( XXXX ) years old.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (I do not know) with Halsted Financial Services, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since XXXX/XXXX/16, I 've received XXXX phone calls, which I immediately am hung up on, from Halstead Financial Services. I 've called the numbers back 3 times to be removed, as I do not have any outstanding debt or accounts with this company. I 've called the toll free number on their website and advised to cease contact, and each time was ensured that it would require 2 business days to be removed from their system. My last communication with Halstead Financials Services was through a complaint portal on their website on XXXX/XXXX/16. Since that submittal, I 've received an additional 4 phone calls from them. 

They call from these phone numbers : XXXX XXXX XXXX XXXX If necessary, I can also provide the dates and times of each of the calls, as well as, the dates and times I contacted them to have my number removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (Medical) with State Collection Service, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2015 my husband was treated by XXXX XXXX, this provider is a PPO provider with our insurance and they paid everything except for {$120.00} which I paid by check to XXXX XXXX and clearly stated the payment was for services rendered to XXXX on XXXX/XXXX/15. My check cleared XXXX on XXXX/XXXX/15. On XXXX/XXXX/15 I received notice from XXXX that we owed {$61.00} & {$26.00} for these same services and when I tried numerous times to talk to XXXX XXXX with XXXX to explain this had been paid and send a copy of the cleared check, he advised they sometimes take the money and place it in different accounts but could not tell me why or where the money went. He then referred the matter to State Collection and they continue to write me repeatedly for the same services I have already paid to the XXXX and neither the collection agent or XXXX will provide a complete itemized bill showing where the funds went and what if any other charges we owe. I have spent hours on this and have incurred severe emotion upset because of this. I feel they have fraudulently taken my money and continue to ask me to pay the same charges. XXXX also stated they may have taken some of the XXXX money and put it on my charges, however, XXXX and I both have deductibles and I met my out of pocket this year so I have no way of knowing what was paid or where my money went. All I know is that I paid the full amount to the ENT that they are repeatedly requesting and they refuse to resubmit it for review to my insurance carrier which is required by their PPO contract with my insurance company if we owe additional money that the insurance company has not reviewed. At this point I have invested hours in emails, letters, research and discovery and have advised them I am charging them {$45.00} an hour for all the time I spend on this as well as mail, copying, research etc. Today just in my time alone they owe me over {$630.00}. Please help, I cant continue this. I have XXXX XXXX XXXX and we pay our bills I can not have this continue. 
Thank you so much XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (PA).
Issue: Struggling to pay mortgage

Complaint: On X/X/18 I requested a reinstatement letter to start the process of withdrawing monies from my retirement account on a 'hardship basis ' to repay Fay Servicing the past due amount. I have had several phone conversations with my account manger who promised to send the same and that " Fay Servicing is most interested in helping me stay in my home and remedying this temporary situation ''. After 6 attempts and promises via the phone I still have not received the information.

This is especially troubling as I have learned that Fay Servicing also has a real estate division that looks to sell homes they have acquired which are worth more than their mortgage value. 

My situation is temporary. I have funds available to cure the past due amount. They know this, and are delaying and threatening foreclosure in extreme bad faith by not providing a reinstatement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I bought my house in the nineties from a guy in foreclosure and brought him current. Have been paying on the mortgage as agreed ever since. Recently US Bank acquired my loan from XXXX. US Bank is n't communicating with me as set out in the XXXX mortgage rules. 

According to the XXXX mortgage rules, mortgage servicers are required to send borrowers a clear monthly statement. I asked them to send me my statement for Loan # XXXX monthly to my address above. They refused. 

I also sent them a certified letter on XXXX XXXX asking them the same thing, along with a copy of my deed, which is recorded at the court house and is a matter of public record, showing that I hold title to the house they hold the mortgage on. 

It 's well past the time they should have responded back that they received my letter and that they will properly communicate with me in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Debt collection (Credit card) with EQUIFAX, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: equifax refused to clean amounts paid the social security administration.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: On XX/XX/XXXX I signed up for credit monitoring service with Trans Union for the monthly fee of {$19.00}. At that time, I accessed the service and viewed my credit score for Trans Union and XXXX. Both showed XXXX. On XX/XX/XXXX, I filled out a mortgage application as a cosigner for my daughter. On XX/XX/XXXX, I was notified that I had been denied based on my middle credit score not being high enough. I asked the lender my scores that they used, I was advised my scores were XXXX, XXXX, XXXX and minimum required was XXXX. I immediately contacted Trans Union on the XX/XX/XXXX to check my score and they said their records showed a score of XXXX for both them and XXXX. Obviously, there is a serious problem in the accuracy of the reporting. Paying for a service which does not provide accurate information is fraud. If the information provided is not correct, where does the consumer get accurate data on which to base decisions?

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