milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2017 about Debt collection (Payday loan debt) with GMA Investments, LLC (IN).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I contacted Summit Receivables the collection agency that bought my debt from XXXX in early 2017. I informed them that I wished to start working on getting my account squared away. I told them at the current time I could afford {$50.00} a month to which I was told that was fine as long as I made two months of payments around XXXX a month to start to show good faith. I really did n't have that kind of extra month but agreed to just to start the ball. After several months I contacted them to see if I could get a settlement offer. In reply they told me no that I was not going to get a settlement because they were allowing me to make payments to begin with. I told them that I felt that was unfair and wished for them to cancel all payments since they wanted to charge me a fee if I paid monthly vs having them auto draft from my bank. At this point the guy became mad about it and in short terms used threstening words and tone to try and get me to keep paying. I refused until they would give me a good settlement that satisfied both parties. I told them i would have some money for a settlement around XXXX XXXX 2017 if they could come up with a decent settlement around then to call me and maybe we could come to agreement. The guy then told me without an agreement from XXXX to XXXX there was a good chance that they would sue me. I felt very pressured into everything. But still said no to anymore payments. Fast forward to XXXX XXXX I find that Summit has taken {$50.00} from my bank. I call my bank to report it and my bank canceled my debit card and starting a fraud report. They also suggested I call Summit to try and fix it. When I call Summit the first lady talked to me and told me that I had agreed to the charges but said there was an email on my account that said I had cancelled all payments back in XXXX but then I called and told them to resume payments and to change my due date. I had not called them at which point she hangs up on me. I spend the next 2 hours calling them back to only be hung up on or transfered. Finally they get me a manager and he claims I told them to change my due date and keep taking the money out. When I told him I did n't he argued with me. After several times I tell him that they took the money without my approval and he said no I had given it in the beginning so it carries over even after I cancelled the payment because I wo n't tell them my intentions with the account. I told him I wanted my money back for the payment they just took and to cancel the rest of any thing on the account. He said no to my refund and then said the rest are cancelled and then hung up. I did n't get any confirmation or anything. My wife also has an account owned by them and her account is having the same problem right now as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I had to deposit money into my grandmother 's account, held at Bank of America. I was told they can not accept cash deposit since I was not on her account. They did make an acceptation to " their rule '' because she is out of country.

The reason given to me for the bank 's decision to not accept cash deposits from non-members is to cut down on fraud and " its not traceable. '' I fail to see how discriminating against deposits will cut down on fraud when specific bills accepted at the teller are not accounted-for nor associated with my specific account.

How can a financial institute do business in our country and not accept the Federal Reserve Note, the legal tender for all debits public and private here in America, because its not traceable?

So is the true reason for the bank 's business practice just for the tracing of a person 's finances? Usable in a court of law? Who is our government working for, if not for its people?

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 04/17/2017 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Making/receiving payments, sending money

Complaint: I have Bank of America as my bank I had deposited a check for {$1800.00} on XX/XX/XXXX they held the total amount until XX/XX/XXXX til XXXX to make sure the check was good the funds were released so I transferred {$1000.00} from savings to checking & paid some bills.My social security was deposited XX/XX/XXXX I paid my bills and withdrew XXXX on Sunday XXXX that was my first transaction.After I paid my bills from SS the check cleared Monday XX/XX/XXXX after transferring XXXX and paid some bills I check my account several times a day to track my balance I saw were my accounts went negative I immediately called the bank they said the check was fraudulent that they recovered {$870.00} now my account is severely overdrawn on savings & checking.They held the check for 5days to make sure it was good now they switched all the account transactions around saying it was released the same day as I deposited it that is not true.It was held 5 days so they can protect me from fraud and they did n't at all so instead of going after the company that frauded us they blame me and switched the account around.I have fraud protection now they do n't want to honor it the bank is committed fraud themselves now instead of BOA protecting me I have to pay all the fraud charges that are accruing every day! They failed to protect my account and me from fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Good afternoon, I am wanting to write in regard to a situation that I feel was professionally wrong. I communicated with a collection agency Hunter Warfield on a debt that I owed to them. I set up to where I settled for a disclosed figure and was told by the employee ( XXXX XXXX ) that it would be taken off my credit within 24hrs of final payment. well I called and tried to figure out how to go about making sure that this was taking off my credit as I had already been able to go and print out the receipt of payment where it states that the collection had been XXXX out and settled in full. Upon trying to do so I spoke with another employee who submitted a manual notification stating that it had been settled as well to the credit company and provided me with the AUD Update Control Number to provide to the credit company as well. Upon contacting the credit company I was informed that it was going to be up to the collection company as to whether or not they remove it off my credit. I called Hunter Warfield back and was transferred to a lady by the name of XXXX XXXX who did n't seem to want to try and hear me out at all and started out by cutting me off and stating that she did n't care what some credit company had told me that she had the say so on whether or not it be removed. XXXX XXXX also went on to inform me that if I did n't be quiet and listen to what she had to say that I was n't definitely going to have anything moved off of my credit. I tried explaining to her that an employee of Hunter Warfield had told me that the debt would taking off my credit once the debt was paid in full. XXXX XXXX informed me that she was n't going to take it off and that it would stay on there for another year and half because I waited for so long to try and pay. she completely disregarded me for a customer and overlooked the fact that I was trying to inform her that I have a XXXX month old and a XXXXmonth old who I am trying to provide housing for and that I was n't able to due that as long as that was still showing up on my credit and so now here still my children and my wife are having to stay with a family member on their couch because she refused to take the collection off my credit and was nasty as all get out with it. I also informed her that I was recording the call as I do with all important calls and she then tried changing her story but it was to late by then. I tried calling back and she has not returned my call or anything to try and get this resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have received your reply to Case number : XXXX in which you state that you indeed granted me a loan under the HARP program ; however, the letter that you enclosed was never sent to me. I keep records of all correspondence on this loan. 
The reason I know that you never granted me the loan under the HARP program is because after the loan was approved, I learned about the existence of this program. I questioned your mortgage department not once but several times after that as to why I was not granted the loan under the HARP program and I was told that I had not qualified for it. Should you have granted the loan under the HARP program, should n't your staff have known about it and responded accordingly? 
Also, should you have granted me the loan under the HARP program, the rate would 've been much lower than 5 %. I would 've not need to extend the life of the loan to 30 from 20 years ( previous loan term ) to reduce the monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Experian Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I have also included a copy of my dispute results with XXXX showing the said accounts already deleted with them. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank you,

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 10-09-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Experian in regards to inquires on my credit report that I did not authorize. I was told that they are factual & to contact the company.because the company verified them. I contacted all of the companies and they do not have any form of authorization from me that gave them permission to make an inquiry into my credit & they have not verified this information to Experian. I sent another letter to Experian making them aware of this & they still continue to report false unverified information on my credit report.

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 04-09-2018 about Mortgage (Conventional home mortgage) with JET DIRECT FUNDING CORP. (NY).
Issue: Closing on a mortgage

Complaint: I used XXXX XXXX XXXX  to purchase a home. Through the process, I discovered I was given false information including closing costs and down payment. In addition, they shared my credit information with outside parties and ran 7 hard inquiries on my credit which lowered my score to a XXXX by closing.

I complained several times to the person of contact I was given with no resolution. I have all supporting documentation for this claim, including emails to Jet Direct, my closing attorney and all parties involved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Checking or savings account (Savings account) with TD BANK US HOLDING COMPANY (MA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I have opened  a Select Saving acco unt number ending  XXXX , routing  XXXX , with TD Bank using their online promotion on  XXXX  -17. I op ened  XXXX  checking account and saving account together and in their web site promotion was promised to pay {$300.00} for checking and {$100.00} for saving account if I fulfill terms in 90 days. I got {$300.00} for checking, while TD bank not posted {$100.00} rewards for saving account. I have kept {$20000.00} in saving account after I opened the account and as per the terms advertised I should get {$100.00} opening bonus. I followed up with the customer service on email multiple time and they confirmed me that I am eligible and will get in 95 days as per the attached email. I followed up now after 95 days over, got to know from their customer service that there was no such promotion. Wh ile  XX/XX/XXXX  email  attached, they promised, I will get the amount, but now they are saying I will not get.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On my credit report, it shows that I am current with 1 missed 30 day late for XXXX XXXX. I have never been late and have received a call and a letter from XXXX XXXX apologizing, but yet it is still on my credit report. Even though they promised to remove it.

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 12-04-2017 about Checking or savings account (Checking account) with ASSOCIATED BANK, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I have opened a XXXX account with over {$10000.00} as dictated per offer in the XXXX, IL branch. The requirements listed in the opening brochure to receive a {$100.00} bonus was to keep the above mentioned balance for at least 90 days. Since I have a specific tax situation I have requested the bank to post the opening account bonus in XXXX instead of XXXX since I found that that the bank will be reporting it on 1099 INT form instead of 1099 MISC ( the account bonus reporting is specifically vague listing the reporting category as 1099 only, please see attached ). As result the bank took a very aggressive stand on the issue with the market manager XXXX XXXX stating that " he 's surprised I have nothing better to do with my life than demand bank to delay the bonus payment. '' When I looked at the wording of the offer and floated a possibility of delaying the account qualification so it comes to qualifying the bonus for XXXX by withdrawing the account below {$10000.00} ramping it up again in XXXX ( the account requires 90 day maintenance of the balance however it does n't require it to be held consecutively for 90 days in the 12 months period ) he objected stating that the account will be denied bonus if I do so.

When I escalated the matter the bank offered me the only alternative : to receive a bonus or not. Subsequently the bank awarded the bonus contrary to its own T & C ( before the completion of the 90 day period as in spite ).

Issues : 1 ) Why the bank does n't follow the wording of its legal disclosure closely when it comes not only of the XXXX XXXX XXXX but also its own reporting requirements? 
2 ) Why the culture at the bank is such as it creates a needlessly adversarial environment as if the bank representatives know my tax situation better than myself?

3 ) What the bank does n't offer a solution to issue ( however unique ) instead of treating the matter as some type of frivolous request?

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Bank account or service (Checking account) with COMMERCE BANK (KS).
Issue: Deposits and withdrawals

Complaint: This complaint is regarding Commerce Bank. I am a joint owner on my daughter 's student checking account. She transferred money through their mobile banking app at approx. XXXX on XXXX XXXX. It raised her " available balance '' by that amount. She then made XXXX debit card purchases online. Since it was after XXXX, the transfer was n't credited to her account until the next day, however, the debit card transactions that had been authorized but had not " hard posted '' counted against her immediately and they charged her {$10.00} to transfer the money from her savings account for " OD protection ''. When I called they told me had she not had OD protection she would have been charged XXXX overdraft charges. It seems unfair and deceptive for them to increase her available balance and make her think she can use her debit card and then charge her either an OD fee or an OD protection fee for subsequent transactions that are made using those funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I work for the XXXX XXXX XXXX a qualifying non profit through FEDLOAN forgiveness. I have been making payements for 2 years and 6 months. I have learned that non of my payments have qualified. I set it up through them for income based payment, and direct debit through them for the payment. So this year, they have taken my yearly job certification and they have ignored it. They say my current payment is {$910.00} a month. I called and resubmitted the paperwork and the associate said it would be corrected and apologized. Now our billing statement has come out and again asking for {$910.00}. Also, all my uploaded documents have been removed from the " upload history '' on the website. So I faxed over the docs this year since they said they could n't locate the docs I uploaded. <P/>I do n't know what to do since I have done everything to try to fix this and too have all my previous payments go to waste it 's a little defeating. I hope that reporting this will help move the dial into fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (I do not know) with Regional Processing Services (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We received several calls on our home and cell phone from a XXXX XXXX from Regional Processing phone # XXXX, leaving a file # and saying her client had a business issue with us. My husband did finally speak with her, and was told that he took out a {$350.00} loan on line several years ago and did not pay it back, and that she could take a payment over the phone. No further details. No loan was ever taken out to his knowledge and he gave her the name and phone # of our lawyer and asked for proof of debt to be mailed. 
Just reporting the scam. Thank you! 
Just reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: We are consumer whom purchased XXXX vehicles from XXXX XXXX XXXX and financed all three. XXXX wrongly accused us of not paying for the last vehicle. We took XXXX to XXXX  and State Court in XXXX XXXX Georgia. The XXXX XXXX XXXX found a pattern where XXXX received the payments and failed to post them along with not posted those Electronically Bank paid as they received them. The law firm of XXXX and XXXX XXXX State Court decided to file a Voluntary Withdrawal admitting we were not responsible for the debt! We need your assistance with XXXX XXXX XXXX of XXXX. We are being held down with low credit score and fighting this since XXXX. We have a way to buy a home and new careers but XXXX doing this ruins our lives. WE MUST XXXX, being held hostage and using Equifax and XXXX has proved to be very difficult and filing complaint after complaint with each bureau with our complaint going unresolved. Each time even though we have their Attorney 's Withdrawal XXXX XXXX of XXXX and Associates nothing is being done, We sent correspondence to XXXX XXXX an XXXX Analyst whom refuse to give a last name or number. They even tried to hire XXXX XXXX until we sent the XXXX from their XXXX. We are needing our credit and our scores not a run around as we have experienced. Equifax is often rude and you get no where when asking for a Supervisor nothing gets resolved. XXXX is evasive and tells you they are removing it and never does. We have the proof look it up XXXX filed XX/XX/XXXX by XXXX and XXXX. We really need your help we have work to resolve the biggest problem to get our scores where they need to be. We must work quickly as often time leads to more people such as ourselves. Homeless and needing resolution long over due our family.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of r egulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company response to consumer: Closed with explanation