milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/26/2017 about Mortgage (VA mortgage) with SUNTRUST BANKS, INC. (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On the first few days of XXXX I decided to transfer my mortgage to Sun Trust Banking, and I started the procedure. I was advised that one,  XXXX XXXX XXXX, would be handling the new account for me. I made it clear that I would require that I maintain my own escrow, in the past I have met with many problems concerning the escrow. I was assured that I would continue to handle my own escrow. XXXX XXXX went on a XXXX vacation and told no one about what had transpired between him and I. I was told that XXXX XXXX would be handling the mortgage transfer, I was called by XXXX XXXX XXXX, XXXX XXXX XXXX, and none of the above people knew what XXXX XXXX was doing or had done!!! I got a call from XXXX XXXX {? } telling me that he would take over the account, I ca n't get a hold of him either. I spoke to a XXXX XXXX XXXX, he told me that he would handle the account and get to the bottom of this problem. I was promised that I would be able to handle my own escrow account, as I have in the past and I am at present. Now I am told that I may not be able to handle my own escrow, by law. I have had this problem of the escrow being handled terribly. I have had a total of six people trying to get this handled and so far, nothing. I am hoping XXXX XXXX XXXX can handle the problem and I turning to you to further expedite the process.

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 04/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Closing/Cancelling account

Complaint: For years I had a Bank of American credit card ( opened XXXX 2008 ), I used the card and made the payments, my payments had been on time for years. I typically had a balance on the card. I would pay it down to a couple of hundreds dollars then use it again, pay it down, etc. Then I paid the card to a zero balance and immediately Bank of America cancelled the card. It was like they had a computer program that they could set that said if this card pays to zero cancel it. So in effect they were ok with me as long as I carried a balance and not ok once the cared was paid to zero. Yes like a lot of people I have had financial issues but they have improve considerably over the last few years. So when my credit was at the worst BOA was ok with me having their credit card, when I was able to pay them off and my credit was better my reward was to be cancelled. I think BOA has a history of this action for a lot of consumers and it is fundamentally unfair. Would be interesting to know how many times they have cancelled a consumer 's credit card at the point it was paid to zero

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Loan modification,collection,foreclosure

Complaint: Welcome XXXX XXXX [ Logout ] Case number : XXXX have not heard anything since XX/XX/XXXX and this lender is going to continue with foreclosure proceedings. I got a copy of a request for a stay of foreclosure that seemed like it said the company was going to help me keep my home but last week received a withdrawal of that request along with a statement that they intended to proceed with foreclosure. 
I have hired a lawyer XXXX XXXX and he intends to file for a motion for dismissal because I guess the lender and collector are n't supposed to work separately in Maine so what they are trying to do is illegal. 
In the mean time XXXX Bank of New York Melon is trying to foreclose on me XXXX is going to process yet another modification application to help me but I will probably just get another offer for XXXX + per month because the back amount owed continues to rise as I face uncertainty. 
I still maintain that XXXX XXXX XXXX said they were transferring my mod to XXXX and they would contact me if they needed information which they did not do until 3-4 months later when I finally received a bill which by this time was too high for me to catch up. 
I feel that these lenders took over my loan for pennies on the dollar as an easy target for foreclosure and an opportunity to re sell for full cost and triple their profit. 
These practices need to be stopped somehow. Did they not recently lose a lawsuit because of illegal practices? Do they even own my loan since it was a fallout from XXXX filing bankruptcy and illegally transferring notes to XXXX XXXX XXXX. 
I would like this investigated as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: TransUnion does not allow you to put a freeze on your credit through their web site without signing up for an account. Although the account is free, it requires acceptance of a " terms of service '' agreement with a bunch of nasty stipulations.

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 02-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have submitted three complaints about XXXX XXXX XXXX, XXXX which issued a fraudulent Administrative Wage Garnishment to my place of employment. As a third-party debt collector, they do not have the authority to perform such an action. XX/XX/2016, after the matter remained unresolved, I called what I was told was XXXX. XXXX XXXX XXXX , XXXX claimed that it was operating on behalf of XX/XX/XXXX. After reaching agents in XXXX and requesting to be transferred to a site in the United States, it became clear that I was speaking with Navient, not XXXX. Navient claimed that it is operating on behalf of XXXX. Since Navient is not a guarantor, it similarly does n't have the right to issue an Administrative Wage Garnishment. I requested that Navient provide debt verification or validation. Navient has not done so. Navient is not the holder of a student loan account, and I have repeatedly informed Navient that I do not owe on student loans. The name provided for me is incorrect, and I have demonstrated what my legal name is. I feel that Navient is engaged in identity theft. Had I had student loans and had Navient fka XXXX served as the loan servicer, Navient would have needed to have provided me with payment stubs, the opportunity for IBR and PSLF, and some form of documentation. My only vocation has been a teacher ; therefore, there is no excuse for Navient 's claim that I have a defaulted loan. I have not signed any loan documents, and I did not receive any loan proceeds to attend college. It is not acceptable for Navient to represent itself as XXXX, and it is not acceptable for XXXX XXXX XXXX , XXXX to act on behalf of Navient, while claiming that it is acting on behalf of XXXX. I have filled out an FTC Identity Theft Report, and I want Navient held accountable for their illegal and fraudulent practices. People in this country are committing suicide and suffering from extreme poverty due to the actions of these hideous individuals destroying the financial and ethical fabric of America. The most recent fraud against me happened after erroneous information was listed in my credit report, and XXXX XXXX XXXX, XXXX accessed my information on XX/XX/2016. Although I am working with the Credit Bureaus to have this information corrected, action needs to be taken against Navient for its involvement in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX XXXX XXXX is lowering my credit score by raising my credit utilization. I have never missed a payment. Paid XXXX dollars and then they lowered the available credit amount. credit limit before was XXXX or XXXX now its XXXX. I was wanting to improve my credit utilization to buy a home. I also made payments on my other credit accounts that was going to improve my credit score. I called and they hung up the phone. account is XXXX 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 10/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Between XXXX/XXXX/15 and XXXX/XXXX/15 I have had XXXX hard inquiries appear on my Transunion credit report. XXXX inquiries through XXXX, XXXX through XXXX and XXXX through XXXX XXXX XXXX. All of these inquiries were an attempt to get credit cards with my identifying information. I have put a credit freeze on my information and credit alerts through Transunion. I also received a letter from XXXX indicating that XXXX hard inquiries were made to my credit report by XXXX. XXXX reported that they have been hacked. I want all of these hard credit inquiries taken off my credit report due to the fact that I have never applied to these companies for credit cards or other services. These hard inquires are causing by credit scores to go down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2016 about Mortgage (Other mortgage) with LoanCare, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred to LoanCare LLC about 6 months ago and I have an issue with a {$10.00} fee that I am being charged every month. They charge this fee depending on when you pay your mortgage during the month. I have been paying on the XXXX of every month due to my pay cycle at work and I am forced to pay an extra {$10.00} because of this. According to all my documents and closing papers this fee is being wrongfully charged. Before it was transferred I made my payments in a similar fashion and was never charged a fee. Is this legal? I would like to stop paying this fee and would also like to get my fee payments back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (Conventional fixed mortgage) with Envoy Mortgage Ltd. (AZ).
Issue: Application, originator, mortgage broker

Complaint: I was doing business with XXXX XXXX at Envoy Mortgage. We spoke on the phone and locked the rate at XXXX at pricing XXXX. There was a fee of 2.48 % for prepaid mortgage insurance and the difference of XXXX was supposed to come back to me to use toward closing cost. At the last minute when the closing disclosure was sent the fees looked off and I did not see the credit of XXXX ( roughly XXXX dollars, I can provide exact amount ) on the deal. When questioned about XXXX stated he made an error in the fee that was quoted and it was actually XXXX higher which would bring it to XXXX. This was brought to my attention right before signing loan docs and I had no choice but to sign to ensure that I would have a house. Even with XXXX 's error that still leaves XXXX ( about XXXX dollars ) in missing credits. XXXX also stated he gave me a XXXX credit which he matched the offer from the builder 's lender. He stated he left off fees as not to list them. In my eyes XXXX still owes me XXXX in seller credits based on the facts that I have.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Transaction issue

Complaint: XX/XX/XXXX we rented a car from XXXX in XXXX, through a broker, XXXX XXXX. Rental car fees were charged to our Chase Visa card. Under the terms of the rental agreement, local taxes, and misc fees were to be invoiced after return of the car. Upon receiving a billing to our credit card for XXXX XXXX from XXXX after the rental period, we found that this billing included XXXX XXXX for refueling the car, despite the car being returned full. We filed a complaint with our credit card bank, Chase, and the dispute was resolved in our favor. XXXX issued a credit for XXXX XXXX. 
Subsequently XXXX claimed that they were never paid the undisputed amount of XXXX XXXX by Chase. Despite several letters from us, they turned the non-payment over to a payment recovery company, XXXX, who threatened legal action. Chase states that XXXX has been paid. In three separate conversations with Chase, including one with a supervisor, Chase maintains that XXXX has been paid. I have requested that Chase furnish tracking information so that if Chase has paid XXXX, the payment can be traced. Chase refuses to provide tracking information - their position is that the charges appear on their credit card statement, therefore XXXX has been paid. 
At Chase 's suggestion I have furnished XXXX with copies of all credit card statements of our credit card since XXXX, 2015, asking them to check their bank for payment, all to no avail. XXXX advises that they have checked and continues to insist that it has not been paid. 
In conclusion, it is impossible for us to resolve this issue. We have paid Chase for the non-disputed amount. XXXX insists that they have not been paid, Chase insists that it has made payment, but refuses to provide payment tracking information. 
Note that the outstanding amount has now dropped to XXXX XXXX as a result of XXXX offering a further discount of XXXX XXXX to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Green Tree servicing, now known as ditech. Fail to honor agreement with XXXX XXXX XXXX for loan modification. 
After many months of faild communication with this loan servicer I 'm facing imminent foreclosure. To This Day DITECH refuses lto provide any assistance. The documents sent for loan modification always disappear and they request to start the process over and over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX we sent a letter to the credit bureau asking them for assistance on numerous problems we saw on our credit reports. It is almost 90 days later and no response. I just read an article that said they are supposed to answer in 30 days. So this is breaking the law.

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 11/14/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Deposits and withdrawals

Complaint: Capital One 360 made a bank error, overdrawing my account in error, causing me to have inconvenience and incur fees to access funds elsewhere. 
I had a dispute regarding a charge XXXX/XXXX/16 from XXXX XXXX XXXX, where the merchant ( hotel ) owed me a refund of XXXX dollars on a charge of {$880.00}. I called Cap One, who issued a provisional credit of XXXX . I received no further documentation. 
On XXXX/XXXX/16, Cap One mistakenly debited {$880.00} from my account, even though the provisional credit was only for {$280.00}, when they resolved the dispute in the merchant 's favor. 
Notwithstanding the fact that I never was contacted about the dispute to provide documentation ( I have an email hotel regarding promised refund ) - Cap One debited my account for {$600.00} MORE than was at issue in the dispute. 
Capital One apparently realized their mistake a week later, issuing a credit for the amount on XXXX/XXXX/16. However, their error caused me great inconvenience, time wasted, and financial costs. 
Today, XXXX/XXXX/16, I called Corporate Office, asked for Exec. Customer Relations - instead was transferred to a supervisor for credit cards. 
I called Corporate Office a second time, asked again for XXXX, specifically for Cap One 360. I was transferred instead to an escalations department for retail banking ( XXXX, id XXXX ), who said she needed to transfer me to 360. Then she got XXXX, id XXXX, at 360 on 3-way who said she needed to transfer me to 360 business. I asked whether I was still at an escalations level, and they said no. I said I called XXXX specifically to speak with an escalations level, and that I would call Corporate Office again. 
I called Corporate Office a third time and they were closed. 
360

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Rewards

Complaint: I have the HSBC Premier World MasterCard that has the HSBC Premier Rewards Program that states that I am supposed to receive XXXX point for every net dollar that I purchase with the credit card. However, the program is not correctly counting the points on my account and this is not the first time that I have noticed and complained about this problem. 2 years ago I had the same problem, I contacted the HSBC Premier Customer Service and they were able to fix the problem and correct my points balance, however, this time, I have contacted the same Customer Service and they keep saying that the balance is updated but it is impossible that this information is true and this is why : - My points balance on XX/XX/XXXX was XXXX points. 
- In the period of XX/XX/XXXX-XX/XX/XXXX I had a total of USDXXXX in new purchases which means that I should receive XXXX new points. 
- However, as of XX/XX/XXXX my points balance is XXXX points and I have n't used any points since XX/XX/XXXX, which means that in the period of XX/XX/XXXX I have only accrued XXXX new points. 
- If I was supposed to receive XXXX point for every net dollar in new purchases and in the period of XX/XX/XXXX-XX/XX/XXXX I should have received XXXX new points based on my new purchases for the same period and I have only received XXXX points, this means that I am MISSING A TOTAL OF XXXX POINTS ON MY BALANCE POINTS. 

I have contacted the HSBC Premier Customer Service by email, which they never responded and I have contacted them by phone, and after 1 hour long of waiting, they still have n't acknowledge the problem or even given me an explanation for why I am missing XXXX points. 

This is not my first problem with HSBC Premier and it seems like that every time that there is something wrong with my account or any product that I have with this bank, I have to always find an outside source to be able to help me resolve any issue with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit reporting () with Alliance Data Card Services (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Victoria Secret has reported with negative remarks and deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30 days reported on XX/XX/XXXX. During XX/XX/XXXX -XX/XX/XXXX XXXX. During this time i attempted to make payment arrangements, using the credit card insurance to submit a claim to cover my account. Victoria Secret has passed me onto the credit card insurance company to submit a claim.I also attempted to talk to Supervisor on occasion several occasions. I was not able to resolve this issue and have contacted Victoria Secret and the credit card insurance department as well. Not only did I make payments for insurance in case something happened I was not able to utilized it. Please remove this negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX XXXX XXXX turned over a {$35.00} final bill to Credence Resource Management LLC, Phone Number XXXX without sending me any notice of intent to send to collection. I am not disputing the fact that I owed the {$35.00} which has been paid to XXXX XXXX XXXX. My complaint is the improper contact and sharing information with someone else by Credence Resource Management LLC. They sent a letter to my son in another city, never mailed me a letter to my address that was provided to them by XXXX XXXX XXXX. My son called Credence Resource Management LLC. and they discussed the collection matter with him and told him they got his address by doing a skip trace, found his address and sent the letter to his address. Credence Resource Management LLC confirmed to my son that they had my address on file. but did not send the letter to me. I contacted Credence Resource Management LLC. spoke with a supervisor who identified himself as XXXX. He confirmed that the letter was sent to my son at his address and not sent to the address provided by XXXX XXXX XXXX which is my address.. I feel that my privacy has been violated.

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 03/20/2015 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (GA).
Issue: Using a debit or ATM card

Complaint: I received an unsolicited XXXX debit card in the mail from " netSpend. ", associated with " XXXX '' - shown in the documents sent with this unsolicited card. 
I have never heard of this company or bank, have never done business with them, and certainly do not accept any unsolicited credit/debit issues. 
Offers of this type can cause serious financial damage if intercepted by a crook.

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