milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2015 about Payday loan () with Harpeth Financial Services, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I had a signature loan with this company and when I went in to make my payment I was told that I had to covert over to their flex pay loan. Initially If I made XXXX payments I would have the loan paid off. I was tricked into changing over to this new loan with them. I was under the impression that I would still have the loan paid off when I made my XXXX payments. When I went in to make my last payment I was thinking that I was paying the loan off and the balance was still XXXX dollars. I feel that I was deceived and forced into a loan that I did not want. Full disclosure was give. I 'm a victim of deceptive predatory lending. I know the law has been broken

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/18/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently having an issue with Bank of America regarding a modification that was processed without my permission or signature. I have contacted them but I am not receiving any assistance and they have not returned my call. I was at time of origination the primary borrower. The home was awarded to my spouse via divorce decree and I was told upon signing a release deed that was prepared the loan would be modified and my name removed. I was not provided a copy of the modification for review or signature. Upon. A recent credit check I am now aware m name is still on the mortgage and I have been told my the account rep from Bank of America that their policy does not require all responsible parties to sign the modification. My understanding is that any change in original repayment terms require all responsible parties to sign and acknowledge. Can you help 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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Bank of America reports multiple account numbers for the same account, some say XXXX balance & XXXX owed but account is over 120 days past due, another reports the balance has been charged off. Multiple calls to company. After I call to dispute, BOA sends account to a different collection agency, and we begin the process over. It 's been since XXXX 2015 account is paid and closed at consumers request

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 01-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: In XXXX 2015 I was being over charged for data with XXXX XXXX account XXXX I changed service and went to XXXX who had unlimited data. I contacted XXXX in regards to a tablet that at store I was told I could cancel any time. I received what I thought was a final statement in XXXX and paid it. I heard nothing from them until XXXX 2015 when I got a bill for for {$500.00}. I was in total shock I contacted the office several times and no one could give me an answer. one representative told me the tablet had never been canceled and that was the fee. I said why did n't I get a bill she did n't know. Another said it was for the equipment fee for number ending XXXX. I ASKED WHY WAS N'T I CONTACTED BEFORE AND WHY NO BILL. SAD TO SAY I got no where. Then I said it all should have been stopped on XXXX XXXX. Now I get a collection letter from Convergent out sourcing say I owe XXXX and refuse to listen to me. I am willing to pay for the remaining balance on equipment on XXXX/XXXX/15 but not all these monthly fees when I canceled it all on XXXX/XXXX/15 can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I have ha d a Health Savings  Account with Bank of America for serveral years. I had saved $  XXXX  in that account and had most of it invested in mutual funds that I had chosen. In  XXXX  Bank of America upgraded its website for health savings accounts and migrated to a new site. As part of that process they sold all of my investments without my knowledge or authoization. Some of the mutual fund sales were in  XXXX  and some in  XXXX . They placed the proceeds in a cash savings account, but they have not sent me a statement or notice of the transacations on my account.     I had an online chat session with a representative at BoA ( see attached for transcript ). I was told that they had notified me and referred me to this web page :   XXXX   XXXX   XXXX   This page obscurely mentions that if I have investments I should be sure to check a box for auto invest. It does not explain that my investments would be sold. I did n't check the box because I do n't want " auto-invest '' I just want my investments to stay invested the way I had set them up.I do n't think I was given adequate notice of their intentions with my investments.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Per Equifax 's Press Release Statement : there was unauthorized access from MidXXXXXX/XX/XXXX The first indication that Equifax gave of this breach was on the XX/XX/XXXX This I an extreme amount of time to investigate and notify those affected of the LARGEST CYBERSECURITY BREACH in United States history. To top it off, the service that is offered by Equifax is through another entity who deceptively state in their ToS that signing up for this service ( which is offered to all victims of the breach ) removes your right to sue and that it will be decided in arbitration? The TOS is hidden and does not inform you until " after you 've input information to check if you 're affected ''. There are some that were registered automatically, INSTANTLY removing their rights to a fair trial. 

On top of it all, constant 404 's on the Equifax page, I am unable to complete forms on the Equifax page to put up a fraud alert ( calling them states they are too busy ). They also charge {$10.00} to put a freeze on your credit. Something that should be provided free of charge at the least! How is it legal for a company to say " We 're one of the 3 largest financial enterprises in credit consumer reporting in the world. We just had the largest data breach in history and we 're going to have our website broken and charge you to fix the problem. By the way, if you go with our service, you give up all right to SUE US FOR STORING INFORMATION IN PLAIN TEXT!

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Medical debt) with Simon’s Agency, Inc (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: I received a letter from XXXX XXXX XXXX whilst I was in process of working with XXXX XXXX XXXX on a work related injury medical case. It was beyond me as the facility sent the bill to collection instead of waiting for me to get things settled. I can not do anything beyond XXXX. I can understand the impatient agency reported me to the credit bureau which I dislike. I called and paid off the amount with the understanding that they remove from my credit. They refused to remove from my credit. 
The other credit agency I spoke too confirmed that the law bar agencies from collecting debt out of state. This means they have to send back to the issuer who will have to work out with me again before finally sending it to another agency in where I am. This law is fair however I have paid the said agency they refused to remove from my credit despite breaching the law baring them from contacting me out of state. I issued an official letter stating to them they erred and gave them 1 month grace period starting XXXX XXXX, XXXX to fix it. They NEVER responded. I am therefore using this medium to get them do the right thing by removing from 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 10/21/2016 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Credit determination

Complaint: The idiots at Wells Fargo do n't know the definition of " XXXX '' and their so called " Senior Correspondence Specialist '' XXXX XXXX does not know how to address an issue that I raised in my previous complaint. Case number : XXXX All I am asking these XXXX is to send me their definition of a " XXXX '' and they seem to be not able to do that. They ask me to prove that I am a XXXX when they have no understanding of who a XXXX is. And their so called response fails to address that at all. 

I am at a loss of words as to describe the level of stupidity I have encountered. Their response to a CFPB complaint is to repeat the same old stupidity without bothering to read the complaint and try to understand the issue at hand. 

These XXXX belong in a XXXX and not in charge of a bank. I will keep raising complaints till someone with at XXXX gets to take a look at it. Please keep these complaints on their record for others to see as well. 

thanks

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 12-08-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Making/receiving payments, sending money

Complaint: Back in XXXX of 2015 I wrote my daughter a {$50.00} check to give to her friend XXXX to pay for parking permit at college. Her friend XXXX lost the check and an unauthorized recipient found the lost check and changed the amount from {$50.00} to {$3500.00} and changed the name on the check from XXXX XXXX to Essence XXXX XXXX. This person deposited the money through mobile banking app for Bank XXXX XXXX. I bank with Regions and they have acknowledge that it was check fraud but they refuse to give me my money back while Bank XXXX XXXX investigates. This have been going on for over a month, my dispute with Regions Bank and today they told me it would take 90 more days until the investigation ends. Every time I go up to Regions they are always making excuses and telling me its going to take a bit longer. First they told me I would get my money back within 3-7 business days, then told me 14 days, now they are saying 90 days. I should have received my money within the first week when I filed check fraud with Regions Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX XXXX University, XXXX XXXX and XXXX XXXX XXXX XXXX. Navient is the loan servicer for XXXX of my private loans ( # XXXX & # XXXX ). They are demanding a combined minimum payment of {$470.00}. My income is about {$24000.00}, per year. I can not afford that payment. I have called and talked to the people at Navient and they offer me no solutions, yet I know there are programs out there to help me make my payments. I want to pay, but need affordable payments. Navient is not interested in helping me. Instead they have trashed my credit report reporting me now as 4 months late, even though I keep trying to get their assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ballybunion Enterprises, Inc (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am submitting a complaint against Freedom Acceptance. I had opened a case on this already and it was not addressed that the amount owed was accurate. I had a balance of {$750.00} and keep increasing the amount, currently they just updated my amount owed this last week {$9.00} bringing it to a total of {$3500.00}. I have not have not received a payment history or a itemized bill stating all charges and fees. This has also been addressed in Attorney General XXXX XXXX XXXX vs. Freedom Furniture & Electronics, Military Credit Services , LLC, and Freedom Acceptance Corporation which is addressed in line XXXX and XXXX. I was also being charged more than the 5 % late fee charge as mentioned in line XXXX going from {$750.00} which was reported by email on XXXX/XXXX/XXXX ( see attached document ) to {$1000.00} which was also reported through email ( see attached documents ) on XXXX/XXXX/XXXX. Which is about 2 weeks in time of each other. Not only have they not corrected the amount for any of the credit bureaus which are violating the Colorado law exceed the finance charges authorized and allowable under Code XXXX which is line XXXX. It was noted in my last claim XXXX that I was granted {$510.00} in which I never received notice or documentation supporting which is required by the Consent Judgment on line XXXX. In attached emails have consumers fees for payments made via electronic means notwithstanding that the Administrator advised Freedom Furniture in XXXX that such provisions violated Colorado law. In addition to threatening a lien on our assets without a actual lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (I do not know) with National Recovery Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Person is constantly contacting my ex husbands cell phone looking for me from a National Debt Recovery number at XXXX. The last incident on XXXX at XXXX XXXX from a XXXX XXXX. This company has never provided any type of written communication, yet calls my ex husband and previous employer several times. I can provide phone records as needed. Person has claimed 'legal action ' implying legal action on an unverified account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There is an old account with XXXX that is reporting on XXXX. It was included in Chapter XXXX bankruptcy discharged. It should be removed from the report. I no longer owe them. Tt is causing me to be declined.

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 04/22/2016 about Debt collection (I do not know) with Credit Central Holdings, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving numerous calls from Credit Central at XXXX trying to get in touch with my sister-in-law that I have not spoken to in two years. I have no idea where she is located and I did not give her permission to give my personal identification as a reference ( ever ). I have asked this organization at least three times to remove my phone number from their records. Just this week I received a call on XXXX/XXXX/16 and XXXX/XXXX/16. I told them again to stop calling me!

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HEARTLAND PAYMENT SYSTEMS INC (NC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have a  XXXX  student loan that is currently in repayment status. In  XXXX  of  2016 , my lender,   XXXX    XXXX , decided to transfer my loan to a new servicer : Heartland ECSI. My promissory note requires that my account information be provided to  XXXX  of the credit reporting agencies, and my lender requires that Heartland ECSI report specifically to  XXXX . However, Heartland ECSI has only reported my account information to   XXXX    XXXX  (  XXXX  ) time since becoming the loan servicer. Therefore, I believe   XXXX    XXXX  and Heartland ECSI has been in violation of the promissory note for fifteen  ( 15 ) of the last sixteen ( 16 ) mont hs. I have been in contact with both Heartland ECSI and    XXXX     XXXX  regarding this issue since late  2016 .

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I have been with TD bank for over nine years and have personal and business direct account with them. This was regarding by business account. I own a laundromat and that is a cash business, I deposit over {$12000.00} a moth in this account and TD bank charges a fee if it supposed {$10000.00}. One of the bank employees offered to help me set up my account so I avoid that fee. 
She had made a mistake how she set my account, she has set up my account that I should have {$40000.00} in my account minimum ( which is how much a receive from my business in the whole year )!! 

As a result of this, I have been charged maintenance fee of {$30.00} a month for 15 months. From XXXX XXXX to XXXX XXXX. 

When I brought this to the attention of the bank manager XXXX he admitted that they made a mistake BUT because I took so long to notice their error he was ONLY going to refund HALF of my money! They charged me over {$450.00} and only gave me back half. I filed a complained to TD bank customer service and did not get enywhere the manager only returned half. I think it is completely UNETHCAL for TD Bank to get paid for the mistake they did on my account and they should not be paid for it! 
I would like a full refund and my my account restated the way it way before it was tampered with ( at {$500.00} minimum at my account which was their promotional offer when I opened an account with them! 
After it was tampered with I have lost this promotion and now I have to minimum of {$1500.00} on my account ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2015 about Debt collection (Federal student loan) with Williams & Fudge, Inc (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Would like to make small payments they wo n't let me

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have a loan that has been serviced by HSBC since XXXX, XXXX. I admit that there have been several times over the course of the last 14 1/2 years that I have fallen behind on my payments due to financial situations. In XXXX, XXXX I went from being self-employed to employed and my salary significantly decreased. In addition, my daughter had XXXX and I was incurring significant co-pays and deductibles. On XXXX XXXX, XXXX I contacted HSBC regarding loan modification. I faxed my paystubs and a hospital bill. On XXXX XXXX, XXXX HSBC sent me a letter offering a short sale or deed-in-lieu of foreclosure. Modification was denied because HSBC " did not received required information from a third-party ''. On XXXX XXXX, XXXX HSBC sent me the Residential Broker Price Opinion. On XXXX XXXX, XXXX HSBC wrote me and stated that a modification could not be offered because " borrower 's reason for delinquency does not demonstrate a permanent hardship. Permanent hardship includes death, terminal illness or permanent health condition of someone living in the household '' and " net Present value calculation did not satisfy lender 's guideline. '' When I contacted HSBC to discuss appeal, I was told I would have to send a money order or certified check for {$200.00} for an appraisal. 
Unfortunately, this was my second attempt at loan modification recently. In XXXX, XXXX, I contacted HSBC and due to being self-employed was required numerous times over the ensuing year to produce months of bank statements and explanations of deposits and expenditures. When I could not provide any further information for transfers of money to/from my son ( who was in college XXXX my modification request was denied. HSBC gratiously " reaged '' my loan, but my interest rate has remained at 10.5 % and I have again fallen behind. Each time, save XXXX, when I was able to make contact with someone at HSBC, thanks to an acquaintance who formerly managed an HSBC loan office, I have been denied. That time, I was given a temporary modification, which helped significantly, but was denied a permanent modification. 
I disagree that the Residential Broker Price Opinion ( `` drive by appraisal '' ) adequately assesses the fair market value of my home. I disagree that I should have to pay for a legitimate appraisal. I disagree that my decrease in income does n't represent a permanent hardship. Please contact HSBC and investigate not only this loan modification application, but the entirety of the servicing of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Date: XXXX XXXX, 2017Report # XXXX-XXXX-XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Never lived at this address. This is not my address. Wrong information by Experian.

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