milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/18/2016 about Bank account or service (Checking account) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Making/receiving payments, sending money

Complaint: Please inform status of check # XXXX. The funds were sent on XX/XX/2016 through XXXX account to Banco Popular .The payment appears to be completed, and the funds were withdrawn from the Pended account in the amount of {$720.00} on XX/XX/2016. The funds were supposed to be applied to the checking account # xxx-xx XXXX with Banco Popular. The check was cashed by Banco Popular and has n't been deposited yet. 

Attached is a copy of check # XXXX on both sides cashed by Banco Popular. 

Sra. 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 05/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: I have had an account with Chase for about 10 years. In the last 4 year I have been employed with a firm that does not offer direct deposit. So in order to have free checking with Chase you must have either direct deposit or keep in minimum of {$2500.00} in your checking account. Because I do n't have the option of direct deposit nor can I afford to keep {$2500.00} in my account I am charged what I call a poor persons fee of {$12.00} a month. A lot of times I am charged this fee when there is not enough money in the account to cover it. 
Monday XXXX XXXX I was scheduled to have XXXX automatic payments deducted. Chase instead posted the payments on a Saturday, XXXX XXXX in order to charge me overdraft charges on the date the deduction was due. I have never been charged an overdraft fee on the same day a charge is due. Usually I am given till the next business day to make the funds available. I had about {$50.00} available in my account. XXXX of the transactions was for only {$30.00} which was fundable. The second charge was for {$120.00}. I was still charged XXXX overdraft fees even though I have enough to cover XXXX of the charges. They refused to refund the charges. I have been pummeled with fees over the last year. Even XXXX in one day in XXXX instance. 
XXXX XXXX I submitted an online payment to XXXX. On the Chase site it says that this one time electronic payment will post in 1 business day. On my account it shows that this payment has been send and paid. XXXX has not received this payments. I have asked that the money be put back in my account to avoid service disconnection, Chase is refusing to refund the money even thought it has been more than one business day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: XX/XX/XXXX It was the fifth time I tried to solve american express XXXX XXXX XXXX XXXX problem and got denied. Currently American express owned me more than XXXX points. ( Base+Bonus ) There is an enquiry opening but there is no result. XXXX can not follow their policy give me the points that I spent and use on the card. XXXX only eager taking the year fee without giving me services. 


The last time supervisor I talk to XXXX at XXXX XXXX central time. Still they only give me trouble without help me. Not even able to give me the base points ahead. 

I got a answer only to wait, any potential solution has been denied.It is shame to pay around {$100.00} member fee for nearly nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2016 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: First, I was given a private loan for {$21000.00} that immediately started accruing interest, even though I was n't going to start making payments on it for at least 4 years. Why on earth is that legal??? 
Second, the bank that issued that loan has since sold it off to American Education Services. I 've been paying this loan for almost 3 years, yet my balance is still higher than the amount I borrowed, AND the principal plus unpaid interest is {$6300.00} less than my current balance. So what exactly do I owe besides principal and unpaid interest? 

Also, since AES has purchased my loan from my bank, my interest rates have increased 4 TIMES IN LESS THAN 1 YEAR! I have all of the documentation needed, if you would like me to provide that.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: For the last several months I have been attempting to go through the Loan Modification process with Select Portfolio Servicing ( SPS ). Even as of 1 hour ago ( literally ), I was told that I have submitted all of the documents that have been requested and this was done the week of XX/XX/XXXX, so it has been several weeks. 

They ALWAYS find something wrong with the documents i have submitted. I have heard every excuse from them - Like " they can not read what I have submitted ( even though its typed ) '', they " can not find the information on a bank statement '', even thought it is in plain view and circled. Or, " please submit again, we do n't have that info '' ... when I have already submitted it. XXXX will also randomly call me and hang up, I have records of all these calls, at least 2-3x per week. I am assuming someone is calling me back but does n't want to actually speak to me or help. 

My RELATIONSHIP XXXX changes every couple of months so every time I am lucky enough to get someone on the phone ( which is rare ), they do n't know anything about me or my situation and it must be explained again and again. I have had 4 RELATIONSHIP XXXX in the past few months. I have 3 of the 4 names, one I can not find. XXXX XXXX, XXXX XXXX, and XXXX XXXX. None of them want to help me and I get the run around. I submit documents EXACTLY how they ask for, then they will claim that they can not read or find something when it is plainly stated on the document. 
They have an excuses for everything. If you just XXXX " complaint or scam '' and XXXX or XXXX XXXX XXXX ... you will literally have thousands of posts come up so I am not the only person dealing with this. 
Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Student loan (Private student loan) with SLM CORPORATION (MS).
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint: In XX/XX/XXXX, we started getting loan with Sallie Mae/XXXX the total amount borrowed is over 90,000, The interest rate is from8 % to 10 percent. I was the co-signer because the Representive said my daughter did not have credit and her income was not enough to get a good interest rate at a low rate and suggested that I co- sign with her on the loan. I did with the intention that the instrest rate be low because of my excellent credit. This was not true. They intern charged the highest rates with my good credit. From XX/XX/XXXX through XX/XX/XXXX they continued to use my good credit and still charge the highest rate. I am formally filing this complaint requesting reimbursement for all the interest and the misleading advertising and not using my good credit as a co-signer. The misleading advertising of interest rate. I only co-cosign to help my daughter get a get rate for her loans. But they yet charged a high rate. They used my information with not results. They mislead me and my daughter and caused pain and suffering because we have to pay back on higher interest than other races. This is unfair, misleading and false advertising. Getting a loan was confusing false advertising and they used marketing, high-pressure sales tactics, financial aid services, to recruite my daughter for a fraudulent loan. A resolution for this matter is to give us back pay with the interest they acted on us. My contact information is XXXX XXXX or XXXX XXXX our phone numbers are XXXX or XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I had a good working relationship with chase bank for years and suddenly when i applied for a new account, they closed all my accounts without explanation and sent me a letter saying i have no more active accounts with the ... they wont give me an explanation what i did wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: XXXX : Wells Fargo Bank in XXXX florida I do n't know if this was a bank involved with employees opening accounts and using clients money. But my elderly mother complained that she had {$20000.00} missing from her account and does n't know where it went. We tried to help her but she is adamant about our minding our own business, that she can take care of it herself. After reading the blog on WFB I was wondering if that is what may possibly have happened to her account.

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 04/22/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage loan with Ocwen. I experience some financial hardship and fell behind on my payments. During this time I was put on forbearance and subject to late fees and penalties. Example : I was charged {$1500.00} for XXXX sale deposit and this was unfair because it never went to XXXX sale because I paid the money. I was also charged a {$820.00} Motion to Relief fee which was unfair. Also, when I became current they charged BPO fees and certified mail fees. In XXXX they only applied payments made to interest and late fees none towards principal. I should not have been charged these fees because my loan was current during this time which was XXXX. I would like to receive an reconciliation statement of all my payments. Your assistance in this matter is greatly matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I called  XXXX  to have them to remove a name listed on my credit report. The rep said that she could not remove the name because if was attached to an account. I explained to her that if is not my name, therefore the account does not belong to me. She refused and instructed me to call the creditor of whom I have no account listed with.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Medical) with Receivable Solutions, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: This is related to complaint # XXXX. I am helping my father and mother with this complaint. Upon speaking with my Dad when I returned from a business trip, he told an appraiser " strong armed " him into allowing him to appraise his condo. They represented Champion Mortgage. My Dad also told me Champion Mortgage had called and harassed him about going to the tax collectors office and providing proof he paid his taxes. The taxes have been paid for the year and my dad referred them to the XXXX XXXX records. This company continues to harass my parents, threaten them and they still not credited his account back for erroneously force placing an exorbitant amount of flood insurance wrongly, as outlined in the previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On Tuesday,  XXXX   XXXX  at  XXXX  I received a phone call from  Portfolio Recovery Associates regarding a credit card  balance of {$7000.00}. This was the first time I received a phone call from this company regarding this account and I respectfully asked that if there was any validity to this account that they provide it in writing and NOT to call my number (  XXXX  )  XXXX . She became belligerent and began to argue with me that they could and would not accept any verbal request and that my request would have to be in writing. I told her the written requirement is no longer necessary based on new changes in the law. She said she has been working at  Portfolio Recovery for o ver 12 years and she knows that is not true. Her tone was and attitude was very condescending and negative. I told her that I will be filing a formal complaint with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: I signed up for credit reporting with Experian not understanding that I would be charged a monthly {$20.00} fee for the credit report. The month after I signed up, I called my bank and disputed the charge to my credit card. They explained to me that this was a common complaint, and Experian was difficult to work with and ultimately resolve the $ XXXX/month charge. They recommended that I cancel my credit card and avoid working with Experian in the future. I did this. The following month, under my new credit card, the charge appeared again. I had not contacted Experian with my new credit card number. Therefore, Experian used my social security number to locate my personal information and charge me for a service that I did not want. I called Experian and complained that they misused my personal identifiable information and requested the resting the charge on my credit card. They refused and said the charge was legitimate. I demanded to speak to the Experian representative 's supervisor to resolve the issue and I was turned down. I am deeply disturbed, not for the monthly charge on my credit card, but because my PII was used inappropriately. I am lucky because I monitor my credit card charges closely. I 'm sure there are many Americans who are unable to keep close watch on their financial information and in a similar situation, would miss the charge in their credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2015 about Debt collection (Payday loan) with SECURITY FINANCE CORP (WI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX, and other employees from security finance.. would call my work on a daily bases ... to the point that it jeopardize my job ... because of all the calls that kept coming in ... I asked the finance empolyees ( more than XXXX ) .... Please do not call me at work ... and even when I asked them, not to call my work ... the kept calling. If that was n't enough ... XXXX would go to my home.. and harass my underage kids! Too many times this person called me at work and went to my home ... after I told them ..to please stop.. knowing that I was not home.. ( only my kids ) ..one day my friend was meowing my grass and .. told that person ... my finance situation ... and told that person if, I did not pay they were going to take 21 % of my paycheck until I paid off the loan! These company harassed my in more than one way! is there something I can do? need help please

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Checking or savings account (Savings account) with DISCOVER BANK (UT).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Discover Bank withdrew funds for an XXXX XXXX to another one of my bank accounts on XXXX/XXXX/XXXX. They have repeatedly claimed that they issued an XXXX XXXX instruction on XXXX/XXXX/XXXX as part of that XXXX/XXXX/XXXX Tuesday evening 's business to credit my account at the XXXX. However, those funds did not arrive at the XXXX until today XXXX/XXXX/XXXX, two days after they should have arrived for an XXXX XXXX transaction submitted with Tuesday evening 's business. 

Discover Bank refuses to account for who had my funds on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX or to explain why my funds were missing for two days. Instead, they think that I am some XXXX XXXX who does not understand how the Federal Reserve Automated Clearing House system and its transactions work. 

Furthermore, Discover Bank blames my XXXX for not properly crediting the funds to my account in a timely fashion, something that I believe that is defamatory to my XXXX and that I believe that can prove is not the case, basically, because my XXXX is not a XXXX bank that plays games with other people 's money. I have spoken with the XXXX, and they have said that no aspect of the XXXX XXXX was delayed on the XXXX 's end because of any exception handling or any other problem : this delay resides squarely with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Mortgage (Home equity loan or line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I have made my payments online through my XXXX Bank bill pay. Your company has received these checks, cashed/deposited them. Yet your staff continues to call, stating I have not made my payments. They are rude, unprofessional and raise their voices to me. 
I have the cancelled checks through my bank showing you have cashed/deposited them. Then you charge me " late '' fees when I am not late. This is against the law. 

I have filed complaints today through XXXX agencies about unfair practices, charging late fees and harassment from your staff. 

I have proof of these payment via cancelled checks. This site does n't allow me to attach the checks. I can attach these checks showing they were paid/deposited by Springleaf before their due dates. 

Since Springleaf has taken over my loan this is the XXXX or XXXX occurrence illegally charging me late fees and falsely accusing me of not making payments after you have cashed my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: COMMERCIAL AFFIDAVIT OF TRUTH XX/XX/2017 1 ) Bank of America can not varify or show validity of alleged debt 2 ) Bank of America can not show a valid current contract with me including my wet blue ink signature 3 ) Bank of America failed to respond to my complaint with a VALID response 4 ) Bank of America failed to show tangible evidence that there is a current contract 5 ) Bank of America rules and regulations do not apply to me, I never knowingly or willingly signed a contract with them for life. 
6 ) Bank of America is willfully and with intention violating my rights and comitting crimes along with felony violations of the USC, United States Code & gt ; federal law, 7 ) Bank of America has admitted to closing the account on their response to me, but still persists in criminal activity, 7 years has passed. 
8 ) Bank of America has violated florida statute 817.568 and is using my personal and private information without my consent which is a second degree felony 9 ) Bank of America has violated title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. using fictitious names which is another felony and owes me XXXX dollars, for that violation I have shown the evidence crystal clear!!! 
10 ) Bank of America is a felony criminal with a major criminal history of mortgage fraud among other frauds, its all over google!!! these are proven miscreants!!! 
11 ) Bank of America can not prove anything, they are liars and deceivers, they refuse to answer my questions and talk like bill clinton with XXXX avoiding the subject, and not giving any valid answer with clarity 12 ) Bank of America threatened me with extortion by stating they may use XXXX to make a bad report on me, this is a violation of my privacy also giving out my personal and private information without my consent, from XXXX, florida state ZIP EXEMPT XXXX VERIFICATION The undersigned Affiant hereby certify, under penalty of perjury, under the laws of the United States of America, and pursuant to 28 USC 1746 ( 1 ), that the above COMMERCIAL AFFIDAVIT OF TRUTH is true and correct, to the best of their knowledge, current information, and belief, so help me XXXX. \ Florida state , XXXX On the XX/XX/2017, XXXX, before me proved to me on the basis of satisfactory evidence to be the man whose name is subscribed to the within instrument passport & certificate of live birth, and acknowledged to me that He executed the same in His authorized capacity, and that by His signature on this instrument is the man, WITNESSED by my hand and official seal. 

By typing my name electronicly this is my signature for this affidavit, and I will be sending in a hard copy notarized, respondent to respondent must respond within 14 days signed ; 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