milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: . When you go into your chase account and make a future payment to any chase product you do not have the ability to see pending payments in the account that the payment is being made from. You can see other future pending payments for non chase payments though. Chase has decided that you should only see pending payments for their products in the account the will be credited not the account that will be debited. Chase can not and will not show their customers a true representation of what will be occurring in their checking or saving accounts. Most consumers have multiple accounts with chase. Such as mortgage, home equity loan, credit cards, car loans, student loans and so on. If you share bill paying responsibility with a spouse you will have no idea if a pending payment has been made from your checking or saving account. You must scroll though the multiple other screens to each product to see what is going on in your checking account. Why ca n't you see it in your checking account? OVERDRAFT FEES. And late payment fees. Why would they take your ability away to actually tell what is going on in your account. It is all about fees. As a consumer we should be able to see our accounts online and to be able to see all debit activity and all pending debit activity for all payments in those account. we must be able to reconcile what debits will be made from your accounts for all activity and not just activity chase feels you should see.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: I have contacted Loan Care about payments I have made not being applied and they are now reporting late payments to the credit bureaus and are ruining my credit. I have contacted them multiple times and they have now applied my payments but not according to the dates I paid them. They will not issue me a letter or correct their false reporting to the 3 bureaus ( they said I have to send them my credit report to show them ). They are also not applying the payments I made correctly. They applied some to principal and not enough to escrow. I have been hung up or disconnected on the phone by them 3 times and they never have a supervisor there to speak to 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 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Enhanced Recovery Corp. I had my Personal financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with Enhanced Recovery Corp. This was a XXXX XXXX Account and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Enhanced Recovery Corp. In this case the debt should be removed from my credit report and out of the office of Enhanced Recovery Corp. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can not collect in the state unless they are register by the State of Texas and bonded.

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 04/24/2018 about Debt collection (Other debt) with Wilber and Associates, P.C. (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: on XX/XX/ i received a collection letter from wilber and associates claiming i owed {$28000.00} not knowing what this was about i called the agency and they explained that they are attempting to collect money paid out by an insurance agency due to flood damage and stated that i stole copper plumbing and flooded a home that i recently moved out of. i at that point explained that i absolutely had nothing to do with any type of theft or damaging and at that point the female collector became very loud and aggressive i at that point told her to cease and desist my telephone number and hung up. onXX/XX/XXXX i received a phone call from wilber and associates yet again and it was the same collector. i stated we had already discussed this matter and it was false claims and to once again cease and desist my telephone number and hung up. on XX/XX/ i received yet another call from wilber and associates this time it was a male collector i advised him that i had already spoken to his office twice now and that the claim was false he at that point became extremely aggressive and threatening me that i am going to pay this and take responsibility. i advised him that i had previously on a recorded line asked for this agency to cease and desist and that i am telling him this as well he in reply said he will call me every single day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been making payments through equitable acceptance that was to be towards my loan for a debt consolidation. When I went to purchase a car, I was informed my tax return would be taken due to defaulted loans. I thought it was a mistake as I had been making monthly payments to student support through equitable acceptance on time since XX/XX/2016. When I called student support, I was told my case manager was not available and the supervisor was in a meeting and unable to help me. I asked for another supervisor and was given another phone number. I spoke to a supervisor, XXXX XXXX, who informed me my loans from XXXX were not included in the consolidation upon admission and therefore, had gone into default. She told me I had not completed a rehabilitation program and I had to go through another. I informed her I had been through a rehabilitation program in which she asked for the paperwork. I scanned the requested paperwork in and emailed it to her and she stated this should speed up the process so that my loans could get out of default and I could purchase the vehicle to transport to work. I have not heard anything else from Memory. I emailed her to update my telephone number and she said thank you. In the meanwhile, my credit score continues to go down, my tax return is to be taken this year even though I make payments monthly to this conpany who dropped the ball and now I have to suffer for it. I do not want this happening to any other professional as this supposed service appears to be deceitful to many hard working professionals. XXXX XXXX 's direct phone number is XXXX, her email is XXXXXXXXXXXX. There is no student support here and I really do n't want any other professionals being fooled into thinking they are helping and really are doing harm. Please help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I find it hard to believe that an FDIC Bank like CHASE Bank will not take US Currency, yes good ole cash from people depositing into one of there account holders account. I was told I had to have an account at Chase Bank to deposit cash into someone else account at Chase Bank. ie, my Landlords rent payment. How is it possible that a Financial institution does not accept CASH. As well they have a {$6.00} check cashing fee, and do not have any of these policies posted in the lobby so after waiting in line you are turned away. THIS IS ABSURD.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Jim Bottin Enterprises, Inc (CA).
Issue: Other transaction problem

Complaint: I have had an open on account with XXXX XXXX XXXX XXXX XXXX ; this was a contract that was picked up by XXXX XXXX. My original contract was with XXXX XXXX XXXX. They went out of business this year and XXXX XXXX offered to allow use to their facilities. This was true as of XX/XX/XXXX, XX/XX/XXXX.
On XX/XX/XXXX I mailed out cancellation notices regarding my account -- a XXXX XXXX also sent the same notice. ( this is relevant because my account is charged for both XXXX and my gym membership. ) On the following day ; I sent a notice of bank transfer authorization notice ; in the letter i state that any authorization that once had been given was fully revoked, effective immediately. I also made sure to send a copies of both notices via email to both ( XXXX ; and XXXX ) OnXX/XX/XXXX I called my bank XXXX to let them know I had revoked any rights to transfer of funds to the specific XXXX XXXX and their billing unit XXXX XXXX. My bank said that to uphold such rights to refuse use of my banking account, i would need to pay {$30.00}. I refused because it seemed outrageous to charge me {$30.00} to stop pay on {$20.00} gym memberships. To date I have now been charged two separate {$10.00} transaction from XXXX XXXX. My original contract was for one ( 1 ) year startingXX/XX/XXXX and it was effective for 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have an unknown address with a 2007 bankruptcy that does not belongto me I have never lived in California and you have an address of XXXX XXXX, XXXX XXXX XXXX XXXX, California listed on my credit report. 
Could you please help me correct this?

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2017 Jefferson Capital System cashed a check in the amount of {$10.00} as a result of an agreement to update their account to the original creditor as paid in full and remove their account from the three credit bureaus. This was not done per the agreement and the bureaus are still reporting a balance of {$240.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with DISCOVER BANK (OR).
Issue: Confusing or misleading advertising or marketing

Complaint: I have a discover card. Yesterday X/XX/2018 I received 3 calls from Discover card. The first two times I could n't answer, so they called and left no voicmail. 
I saw discover card and got worried, so I logged onto my account to make sure there was no fraud action, and then I called and was on hold for over 10 minutes. Being at work time was a factor for me, so I could n't hold on any longer. 

Received my third call around XXXX- and then person ID themselves, and started asking me if I have a problem making payments, and offering me flat interest rates ( right now I am in XXXX promotion ). Then after I told them no, they continue to ask me to make a payment even though my account was n't due, or even past due. 

I was shocked. I asked if there was a issue with my account, and if I was past due, and they said no they were just trying to be proactive. This made me so upset as they are calling me during my working hours-left no voicemail the first two times, and then harras me for payments when payment was n't even due. They violated my cell phone by calling over and over eating up my minutes and wasting my precious time, time that I need to be able to work so I can pay my bill in the first place To me this was collection when my account was n't even due. Soliciting trying to tie me to an interest rate, when I have XXXX interest rate right now. Harassment for payment - when my account is current. 

What is it that discover wants from me? I think they need to pay me for time, and cell phone charges?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2017 about Debt collection (I do not know) with Jacob Law Group, PLLC (AL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I sent them 2 letters one through normal mail and one certified return receipt they did received the letter they have broken violating Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was sued for XXXX and appealed it. We went before another Judge and she set the plaintiff 's award at XXXX which was paid at the clerk of court in XXXX county N. C. on the date that it was to be paid. I called the clerk of court after seeing that there is no record of me paying it and she told me they did not report the judgements in any way. I am confused and would like to know who did and why they have not shown that it was paid. I want it removed. XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Payday loan, title loan, or personal loan (Payday loan) with CASHCALL, INC. (CA).
Issue: Loan payment wasn't credited to your account

Complaint: A supposed debt collector is trying to say I didnt pay cash call when In fact cash call sold my debt and I paid off that debt collector now theyre harassing me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Freezing my credit report should be easier, and free The current situation is absurd

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Dear Sir/Madam, I am writing to report very illicit actions by Scottrade Bank and their affiliates. Specifically, for a period of at least two years, Scottrade Bank lied to the OCC about their net capital to pass on the illusion that their bank was less than XXXX XXXX in assets. Scottrade Bank and the OCC conspired in a manner that Scottrade Bank was left from out of the regulatory purview of the CFPB and the OCC refused to investigate. 

In fact, during 2013, the OCC and CFPB forwarded complaints back and forth at at least 6 times, with neither agency taking jurisdictional authority over the issues. 

Finally, after months of contacting Senators and the CFPB, Scottrade was finally taken under the jurisdiction of the CFPB. 

However, now Scottrade Bank is refusing to reply to all or any of my complaints, even when the items and disputes are substantially different than previous complaints.

Company response to consumer: Closed
Consumer complaint received 08/28/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have a secondary property in which I purchased XX/XX/XXXX. I have been making my payments all on time. On XX/XX/XXXX, I received a call from Chase asking me if I needed help with my payments. After a lengthy conversation, it turns out they did not have my correct address in the system -- yet on file, just not in their system. So I received no correspondence in regards to a increase. Since XXXX, they have been filing me delinquent for not paying the full amount, just the partial amount. When I approached them to wave my fees and clear my credit, since I was not notified, and paid the amount in full once I was notified, they denied my request. I do n't understand why they did n't contact me sooner, and not to ask me if I needed help with the $ XXXX/month increase.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Consumer Loan (Installment loan) with American First Finance, Inc. (IL).
Issue: Problems when you are unable to pay

Complaint: When my account got behind I made a payment agreement with them using my debit card. I had already paid off more than twice the amount of money I borrowed yet because of their insanely high interest rate they still claim I owe them as much as the day I borrowed from them. Anyway using a debit card ever with them is a BIG mistake. HUGE mistake. once I had used my debit card for what was supposed to be a single transaction when I got behind again they started debiting my account with that card on a daily basis. When I called they said that legally they were allowed to do so until my contract was up to date. My contract says nothing of the sort! Do not ever authorize a one time debit payment with this company because until you cancel everything with your bank they will bleed your account dry and not even bother with the contract arbitration that they have you sign. You are better off to use rent a center or aarons than these people. This company is predatory lending at its finest, ripping people off draining their bank accounts and socking bank charges on top of their own charges and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Repeatedly denied income based payments. My income was garnished fraudulently. Interest and penalties continue to be accrued while they ignore the law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I entered into a legally binding Modification Agreement with Seterus Inc., the servicer of my mortgage. On XX/XX/XXXX I was told by Seterus Inc. that I did not make the three trial payments required before accepting the Modification Agreement, although I had made each payment on time. On XX/XX/XXXX I received a letter from Seterus Inc. XXXX XXXX XXXX XXXX reiterating that I did not complete the trial payment period, therefore, the Modification Agreement had been revoked. I immediately sent proof of each payment ( 3 ), including the first Modification Agreement installment XXXX 4th payment ) for the month of XX/XX/XXXX. I made the first payment of the new agreement in hopes of Seterus Inc. quickly realizing their mistake, making the necessary adjustments to the new loan amount and sending a new Modification Agreement. I sent the second Modification Agreement payment in XX/XX/XXXX only to have the payment return for reason stated, " Failure to sign and return the Modification Agreement ''. Again, I received notice on XX/XX/XXXX that the Modification Agreement had been revoked for failing the trial period. On XX/XX/XXXX I received a letter from Seterus Inc. XXXX XXXX XXXX XXXX apologizing for the false claim ( letter of XX/XX/XXXX ) that I had failed the trial period. XXXX XXXX acknowledged the three trial period payments being received but did not recognize the payment made in XX/XX/XXXX as the first installment of the new loan agreement. XXXX XXXX began requesting the now revoked Modification Agreement to be signed and sent with payments beginning with XX/XX/XXXX. Since then, I have requested from Seterus Inc. XXXX XXXX XXXX XXXX on numerous occasions, an updated Modification Agreement acknowledging the first installment being paid in XX/XX/XXXX. Seterus Inc. has refused to send a revised Modification Agreement, continuing to request the signed Modification Agreement issued back in XX/XX/XXXX, and payments beginning with XX/XX/XXXX. I finally, signed and returned the now seven month old, revoked Modification Agreement and again requested confirmation of payments due, stating, again, that I have already made the first installment due XX/XX/XXXX. On XX/XX/XXXX Seterus Inc. XXXX XXXX XXXX XXXX acknowledged receiving the signed Modification Agreement but continues to demand the XX/XX/XXXX payment of which was received and deposited by Seterus Inc. on XX/XX/XXXX I believe this to be a deliberate attempt to prolong the service fees Seterus Inc. collects for servicing a loan threatened with foreclosure. It is beyond comprehension that, at this point, this is an oversight or miscommunication of some sort.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: My account has been frozen since  XXXX   XXXX . I am unable to login, move, or withdraw funds. These are funds I depend on for my living expenses and Huntington bank has not given me any time frame or answered any questions regarding the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit card () with TD BANK US HOLDING COMPANY (LA).
Issue: Closing/Cancelling account

Complaint: I have a XXXX credit card issued by TD Bank with a credit line of XXXX dollars and a current balance of about XXXX. I never have a late payment on this card or in any account. My credit score is XXXX mostly because is not not old, only 7 years. I just received a notification for TD Bank informing that because they are ending the credit card relationship with XXXX, my account will be close. How much that will be impacting my credit score specially now that I 'm about to apply for a mortgage. I have been fulfilled my obligation but apparently that means nothing for them.

Company response to consumer: Closed with explanation