milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2015 about Debt collection (Credit card) with Gurstel Law Firm, P.C. (IA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I had stopped paying my credit cards because we were close to losing our home. We were given a loan modification and I contacted the company Gurstel Chargo in XXXX XXXX XXXX I and XXXX bank file # XXXX. I explained that I am paying XXXX mortgages right now and can afford {$50.00} a month until we have more money available to pay this was on XXXX. I spoke to XXXX XXXX. He was very rude. He asked me for my work phone number. i told him was not supplying my work phone number he said do n't interupt me when I am speaking was very harsh. I ended the call after saying I am going now. I sent a few emails to the company with my budget telling them I can afford {$50.00} a month just trying to pay my debt. I was served with no further communication from them on XXXX. When you are down on your luck with XXXX kids and try to make things right and call in treated very rudely and then served on top of it. I just want to pay my debt paying as much as I can afford at this time without being harrased. It shouldnt be that hard to communicate with a company to try to pay your debt especially when you make the call to them wanting to work it out.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Debt collection (Other debt) with Advantage Collection Professionals, Inc. (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I would Like to File a complain On ADVANTAGE COLLECTIONS AGENCY. On XXXX I sent In a certified letter to this company asking for debt validation This company have failed to attempt to respond. Per the FCRA & the FDCPA I have every right to ask for Proof that this debt they claim belongs to me. It's been 30 days I have not heard back from this company therefore I'm entitled to take XXXX action on this matter. If this company has Place this on any of the Major credit reporting agency I asked that this be deleted XXXX. 
XX/XX/2018 ORIGINAL LETTER SENT VIA CERTIFIED MAIL Dear Sir/Madame : I am writing to request additional information pertaining to your recent correspondence XX/XX/18. Please be advised that I am not refusing to take care of the account obligation, but as per the Fair Debt Collection Practices Act I am requesting a validation on the balance owed on the account. 
At this time, I am not requesting a verification of my current mailing address, I am seeking information about the obligation I have to the claims being made concerning an outstanding debt. I would like a written confirmation of the following information : The amount you claim is owed The detailed calculation of the balance you say is owned Copies of the signed agreements showing this account is my obligation Copies of judgments if applicable to the account Proof of the time/statute of limitations pertaining to this debt Proof of your companies licensing to collect debts in my state, as well as licensing numbers and your Registered Agent Any credit Application with my signed signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A lot of the info is seven years old and should not be highlightedThings like auto repossions and collections issues that had fall under my bankruptcyThat was filed last year XXXX and since have been DISCHARGED XXXX last yearI file chapter ( XXXX ) bankruptcy,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This complaint is against Bank of America , N.A . as successor by merger to Bank of America , Home Loan Servicing, LP, as successor in interest to Countrywide Home Loans Servicing, LP ( " Bank of America '' ) for numerous violations of 15 USC 1692. Bank of America has violated the Fair Debt Collections Practices Act ( " FDCPA '' ) by among other things, its unlawful collection of debt when it had no contractual authority to do so while falsely purporting itself as " Servicer '' of the Mortgage loan ending in XXXX. Additionally, at least as early as XX/XX/XXXX, the Note and Mortgage the subject of this complaint were rescinded by the Mortgagor pursuant to 12 CFR 1026.23 ( d ). Despite the void status of the Note and Mortgage, Bank of America continued its unlawful collection actions and fraudulently attempted to transfer " servicing rights '' to the Void Mortgage to another company on XX/XX/XXXX 

Although Bank of America will likely attempt to respond to this Complaint by misleadingly stating it is no longer the servicer of the Mortgage the subject of this complaint, this complaint is based on the fact that Bank of America was NEVER the legal servicer of the Mortgage and can provide no evidence to the contrary. 

A CFPB investigation will confirm that Bank of America had no legal contractual right to service the mortgage loan the subject of this Complaint and has concealed this fact for years, now falsely claiming to have transferred said " rights '' it never legally held to another company. In the process, Bank of America made numerous false statements with regard to my Note and Mortgage in the attempt to collect a debt, and attempted to collect an amount not expressly authorized by the agreement creating the debt and permitted by law in violation of the Fair Debt Collections Practices Act, a federal consumer financial protection law. 

Many of the false statements and misrepresentations are outlined in the full Complaint with supporting documents attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have submitted a Complete modification package to Ditech and on XX/XX/2017 I was denied. I do not agree with the denial letter due to incorrect Income. On XX/XX/2017 i submitted a appeal and request for a second review of which was properly sent and received. I do not agree with the modification decision and my denial letter states that i have the right to appeal the decision within 30 days of the denial letter. I have complied with all the terms of the denial letter and have submitted my appeal to Ditech, however Ditech have not responded to the appeal and have purposely disregarded my loss mitigation assistance appeal and are proceeding with the foreclosure of my home on XX/XX/2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Medical) with Ivy Street Development Corp. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: This was taken off my report I hade medical insurance at the time they keep on putting it back on my report it 's annoying and they keep harassing me southern tier

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (FL).
Issue: Problems when you are unable to pay

Complaint: I get down to my last payment on my car 60 month, I think at XXXX interest rate, Last 2 months heartship repairs on the car effected my ability to pay, on time so I call offered to pay XXXX, and the balance of XXXX next week, I was told all or nothing,, I was totally surprised that realizing the Chase has made a nice piece of profit on the life of the loan, was not willing to work with me to resolve the issue but was, threaten a letter would go out to the credit bureau to report a bad debt and risk a repossession. The price tag if the car was around XXXX. The total was paid XXXX, with interest, why is XXXX profit not enough to at least consider corporate to resolve the final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: I just experienced the most terrifying banking transaction of my life. I visited my local Chase branch at XXXX, TX around XXXX CST on XX/XX/2017 to make a cash deposit at the ATM. I needed to deposit XXXX XXXX dollar bills. I researched online and checked the website and there was no indication of any denomination restrictions. There was n't really any information explaining how cash deposits work at the ATM 's period. Once I arrived and choose cash deposit, it said to deposit up to XXXX bills. I counted out XXXX XXXX dollar bills and inserted it into the slot. The machine started processing, then said " could not be read ''. The machine then started making noise like it was going to give the money back. Then the door closed and the screen said the machine had a technical issue, call this number. The cash door kept opening and closing, the machine kept making noise. I received no receipt or confirmation that any transaction had taken place. At this point I am officially panicked. I call the customer service line and document my issue. They assure me this will be taken care of. I call the XXXX Police Department to file a report and they say there is nothing they can do. I am absolutely terrified, my money is in limbo. The machine could be spraying my money out on the ground as I write this and I would have no proof that I even put the money in. I do n't know what to do, I feel like there should be protections in place to prevent something like this from happening. I think people should be aware, ATM 's that take cash deposits are not safe. They are going to conduct an internal investigation, which means they have complete control of the logs and evidence like camera footage. I am completely at their mercy at this point. I researched other people that have had this issue and in some cases Chase has determined that the money was never deposited. At this point I have technically been robbed of {$3000.00} by Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/22/2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received XXXX loans, XXXX unsubsidized and XXXX subsidized, through XXXX. On XX/XX/XXXX I processed a payment for the full amount of my unsubsidized student loan through XXXX, with specific instructions to apply it to my unsubsidized loan. When I checked on my loan on XX/XX/XXXX I noticed that the payment had not been applied, and called customer service. After a lengthy conversation with their representative, the payment was accepted and showed as such through the XXXX payment system. Before completing the call I confirmed with the representative that any extra interest accrued since the XXXX would be written off and the money would be applied to my unsubsidized loan. On XX/XX/XXXX, after receiving another loan disbursement, I checked my account and found that, although the payment had been accepted on the XXXX, it had not been applied until XX/XX/XXXX, almost a full month after I initiated the payment. Additionally, the money had been divided between my unsubsidized and subsidized loans, against my express instructions and despite the assurance I had received from their representative. On XX/XX/XXXX I sent an email to Cornerstone detailing these issues and received an email saying I would hear back within two business days. After two full business days I have still not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland sued me to collect debt that was not mine. Failed to prove debt was mine and case was dismissed. They refuse to remove it from my credit report on XXXX. All other reporting bureaus removed it. They have told me over the phone with documentation of dismissal it will be removed, it has been submitted and they still refuse to remove it. It is also too old to continue to be reported but they keep changing the date. 

I was told by re that states manager XXXX XXXX, that even though it is past statute of limitations, and lost in court they will still continue to treat this as a collectible debt, and will continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alorica Inc. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I 'm in a dispute of charges with XXXX XXXX, over a pro-rate charge vs. a full month charge. XX/XX/XXXX a ended my services with XXXX, paid the last month bill ( exhibit A ) and was told that a final bill will arrive in regards to the period between the last billing and the discontinuation of the service from XX/XX/XXXX-XX/XX/XXXX. 

I received the bill but it was a full charge of {$92.00} ( exhibit B ). 
I called XXXX, told that my contract was long expired and that I should be paying only the pro-rate charge. Level XXXX customer service rep. said she could not do anything for me and all the " Executive Customer Service Reps '' were busy, then she took my callback info and said that such rep would contact me in 5 business days. This never happened and instead I received a letter from a collection agency. 

I responded to the letter in writing challenging the charges and demanding them a verification of my debt, they did n't replied to me. 

On XX/XX/XXXX, I received a letter from another collection agency called West Asset Management ( WAM ) about the same charges. On XXXX XXXX I sent them the same letter I 've sent to the previous agency asking again for proof of debt. ( exhibit C ) .This is a standard letter to debt collector asking for proof of debit and requiring them under the Fair Debt Collection Practices Act to do not notify any credit agency until the debt is confirmed in writing, etc ... 

To my surprise, they informed XXXX and XXXX about this collection on XXXX XXXX, and of course my credit score dropped about XXXX points since ( exhibit D ). 

The letter for verification of the debt only came from West Asset Management on XXXX XXXX where they only included the last bill from XXXX, which I 'm aware of, and it is exactly what I 'm disputing here.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On the  XXXX   XXXX   2016,   XXXX  $ were debited on my account on a ATM with the code of my card in  XXXX   XXXX .   First of all, I had my card with me the before and the day it happened. I have never been to  XXXX   XXXX  and I do n't even have my driver licence and I ca n't rent a car.   I was at m y   XXXX    school this day, and I have a letter that certifies that I was in  XXXX   XXXX  this day.     After few reflexions, I think what happened was that I 've been to an AT M ( w here I 've been few times ) and this ATM copied my data ( the number of the card and the code ) and copied the card with the number and the code.     I had explain this many times to Bank of America, by phone call and letters and they always said that my case ca n't be refund because they have the number and the code of my debit 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 02/19/2016 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Other

Complaint: 1 ) Chase Sapphire posted a {$95.00} " Annual Fee '' to my card statement for the first time ever in XXXX XXXX. 
2 ) After checking last XXXX 's ( XX/XX/XXXX ) statement and seeing there was no such fee I called Chase and asked about the Annual Fee. The rep told me that Chase had sent out a letter in XX/XX/XXXX informing me that my Chase Sapphire account would change to a Chase Sapphire Preferred account and outlining the new card service agreement. Though I have no recollection of this letter it may have arrived two years ago, I ca n't say with certainty. 
3 ) Chase rep stated that there was no " Annual Fee '' posted in XX/XX/XXXX because they were migrating to the new card, but that at the current time the fee is valid. 
4 ) I informed the Chase rep that I have no other cards with an Annual Fee and I would like to find a way to remove this fee. Rep said he could change the card from Chase Sapphire Preferred to Chase Sapphire, same number, same APR, new expiration etc. After listing the benefits of the preferred card I declined and the Rep very helpfully proceeded to process the change to the no-fee Sapphire card while we were on the phone together. 
5 ) Regarding the Annual Fee. I asked him to confirm that the {$95.00} fee would be removed, and the Rep said XXXX things that alarmed me and are prompted me to complete this report : 1 ) The fee would be " pro-rated back to me '' ( no " credited back '', no clear explanation about what this meant ) and, more importantly ; 2 ) that the {$95.00} annual fee itself would not be credited back for another 1-3 billing cycles. I asked the rep why he could n't remove the fee immediately since I had changed the card type to one without an Annual Fee. There was no satisfactory answer to this question. I then told the Rep I was carrying a balance on this card, so would n't it follow that I 'd be paying interest on this {$95.00} for some unconfirmed number of months - 1, 2 or 3 months - that would carry from one card type to the new card type where the fee was not part of the agreement, and that if this was the case would n't there then be some XXXX people paying a small interest-related fee on something that should be removed at the time of the transaction? I did not after all initiate the original switch to the Chase Sapphire Preferred card, it was something that was initiated by Chase without my involvement or desire to do so. The rep was unable to answer this question as well and I realized then I needed to take it to another venue, it had triggered an alarm large enough for me to call the CT state 's attorney general office for the first time in my life. CT AG office referred me to the BCFP because at a state level their hands are tied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-12-2017 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: US Bank has taken the deposit of my payroll check and withheld it from my " available funds '' for longer than their policy states. The check was deposited in the US Bank ATM in XXXX, California, at the same branch where I opened a savings and checking account on XX/XX/2017. The funds should have been cleared and unlocked today XX/XX/2017. It is now past business hours, and the funds have not been unlocked. Per a call to their customer service department this weekend, the funds were to be unlocked today by the expiration of the lock. 

The check is my payroll check from the XXXX, a local institution and the primary employer within XXXX, California, and a California State public institution ( part the XXXX Community College system ). Obviously this is a reputable institution and a well known within the local community. The check is {$2200.00}, but my total savings and checking balance is currently over {$9000.00} and includes overdraft protection. 

The letter from US Bank has this listed as their reason for withholding access to the funds : " We have information that leads us to believe that the check may not be paid '' " For your protection, we are ensuring the availability of your deposited funds. '' The most important statement, " These funds will be available no later than 7 business days after your deposit. '' Again, it is past the close of business. XX/XX/2017 to XX/XX/2017 is 7 business days. The funds are not unlocked. 

This is a new account, but this is the second abuse from US Bank where they have denied me access to my funds. They have a repeated pattern of abuse. Given the payroll check is from a reputable institution, I am certain this is being done to benifit the bank by playing with the " float '' cash balance - leverage their available funds by blocking a customer 's access to their personal funds. This is abuse. 

Worse of all, they only notify me of the funds lock by snail-mail letters. They have email options and do email me about my account. However, they refuse to use emial to keep me immediately up-to-date of locked funds on my account. Since I leave most of my monies in the savings account, which is the account used for the overdraft protection, I have three times been at risk of overdraft because of the locked funds. I 've had to needlessly transfer more funds into the checking. 

I believe the second reason for this ploy is to trigger an overdraft and, thus, an overdraft fee. 

US Bank is using a strict defense of their policies to hide games of " float '' and games to catch an customer off guard with overdraft fees. However, they are not following their own policies by locking funds past their 7-day policy. 

At the first chance, I will be closing all US Bank accounts. They are not a reputable organization. They are abusive.

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 02/25/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: When I refinanced my home in 2006, the broker placed a {$2500.00} home insurance on my policy that I never agreed to. Eventually the loan was sold to XXXX XXXX XXXX and they contracted Select Portfolio Servicing to collect payments. In 10 years, {$25000.00} have been added to my loan in the form of forced hazard insurance on which I have to pay interest. Select Portfolio Servicing refused to cancel this insurance and I now have my home owner 's insurance which I paid myself to XXXX XXXX. Last year, Select Portfolio Servicing told me on the phone they would take it off, but I am still being charged for it. They have been found liable in the State of Florida ( XXXX Class Action ). 
Also, they do not respond to my mortgage modification application, except to place a door hanger on my door stating I am late on my payment and to contact them, plus sending a letter asking to cure the outstanding balance within 3 weeks or risk foreclosure. 
The amounts over the regular monthly payments do not get applied to the outstanding balance, but are put in an unapplied payment account, no doubt earning Select Portfolio Servicing interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation