milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Mortgage (Other type of mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Incorrect information on your report

Complaint: This agreement belonged to my mother, who passed away XXXX. Per her wishes we have to sell her residence. While in the process of selling the home a subordination agreement came up on the abstract dating back to XXXX. Our attorney reached out and was told they could n't tell if any money was owed and will not remove the agreement. I called HSBC/Beneficial Finance XXXX XXXX, on XXXX/XXXX/XXXX ( waited 20 minutes before someone pick the phone up ) and spoke with XXXX, ID # XXXX about the situation. As usual while I was explaining, he was researching and came up with a paid loan BUT this did not pertain the agreement from XXXX, which I explained in the beginning. At this point, I was not happy, and pointed out that he really did n't listen to what I was saying. Because I was unhappy, he became uncooperative. I explained that we had a buyer for the home and we are on a time constraint to get this resolved. His attitude was not very good, I totally get that but in my world you should support the customer whether you " like '' them or not. He told me I had to provide them with a title search to move forward. I told him that it was their burden to prove that the debt existed or release the agreement and that we should not have to pay for the title search. At this point he said " you are not the executor on this account and I will no longer talk with you about it ''. I told him my sister would authorize this and he said " she needs to put that in writing and then we will forward to our attorney 's for review, that will take some time ''. He was willing to talk to me before! He became very belligerent and if we did n't provide the title search then there is nothing they can to do to help us. I asked to speak with his supervisor, he put me on hold for a moment, came back and said, there is nothing she can do either. I asked if he was refusing to transfer me to his supervisor and he said " yes there is nothing she can do for you without the documents ''. At this point I asked for his supervisors name, he refused to give me his supervisors name because " I was not a customer of that bank '' I said, you do n't know that I am not a customer and I do n't need to be a customer to speak with your supervisor. He said he would not give me his supervisors name. At this point we will probably lose the sale of my mothers house because of the subordination agreement and it seems like HSBC is holding us hostage. This matter needs to be resolved and without the cooperation of the bank what can we do next? I have  attached the legal documents as well as permission to handle this on behalf of my sister the administrator to the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In XXXX, we had XXXX XXXX that we canceled. We knew we would have to pay an early termination fee. We sent the equipment that was requested back to them. Our final bill, they charged us for the equipment that they did not receive back within 30 days. We sent it back and it was received. We told them that we were not going to pay for equipment that we did not and that they admitted they had. We are trying to buy a home and the amount of {$1300.00} showed up due to them selling the collection in XXXX 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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: They keep reporting inaccurate information ... and statuses and DATE OF STATUS..!! This is a clear case of Re-aging an account that the original creditor refuse to validate or verify. The company XXXX/ XXXX only response after several certified letters is ... we need more information. But yet Experian continue to say they have verified the account. XXXX and XXXX have deleted the inaccurate line.On XX/XX/XXXX I sent XXXX a certified letter.. they responded ... need more information. On XX/XX/XXXX ... sent a dispute to Experian. They responded as verified. So I sent letter # 2 wth the inaccurate info on report. So we are back and forth ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Problems caused by my funds being low

Complaint: my account went into the negative because of an overdraft, however i was never notified of the issue. i went to use the card around XXXX time and realized there was a issue at that time upon looking into it i realized there was a overdraft charge and it was in negative. 
on XX/XX/XXXX i revived a overdraft fee of XXXX however i was never told there a issue prior to this event happing or charge being placed. i contacted branch in mcadoo, pa and spoke to a XXXX who said he would look into it. upon me calling back he told me to contact costumer service who i called and they told me the prob. that i was never notified was because alerts were not working and that " IT '' was working on it but it was a known problem ( i have call recorded ) and that also dueing holidays and anytime the bank is closed for holidays no alerts or account notifications are sent out so if i have alerts setup on my account i will not receive any alerts dueing that time if everything was working, but again the alerts we not working. i contacted XXXX back and told him i should not be charged because i was never notified in attempt to fix the issue before charge and that i was told the alert were not working, customer service also said they would call and tell him as well. However the bank decided to keep the charges there and additional charge me XXXX as follows. ( XXXX on XX/XX/XXXX. then XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) thats a total of XXXX on XX/XX/XXXX alone. XXXX as overdraft fee and then the XXXX as auto overdraft fee. 
I SHOULD NOT HAVE TO PAY ANY OF THIS AND SHOULD BE DUE A REFUND OF THE ENTIRE AMOUNT OF XXXX IN FEE 'S BECAUSE I WAS NEVER NOTIFIED, I TOLD BANK IT WOULD BE HANDLED BY DIRECT DEPOSIT, AND CUSTOMER SERVICE SAID ALERTS NOT WORKING AND I WAS NEVER NOTIFIED BEFORE THE ORG. XXXX CHARGE THAT A PROB. WAS EVEN ON MY ACCOUNT. 
THE BANK FIELD IN DUE PROCESS OF NOTIFYING ME AND I HAVE FULL ALERTS SETUP ON BOTH CELL PHONE, AND EMAIL AS WELL AS ON THE BANKS MOBILE APP. AND I NEVER GOT ALERT OR NOTICE. IF I GOT AN ALERT OR CALL I WOULD HAVE CORRECT IT IMMEDIATELY AND NO OVERDRAFT CHARGES WOULD HAVE HAPPENED i have 100 % all calls recorded and documented..

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 10-02-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have submitted numerous complaints with the cfpb, and each time the complaint is completed it is sent to Wells Fargo and it is sent to there loss midigation department and the same representative. 
The resolution provided are by far true. 
Conversations with the rep have clearly stated there were errors made with my title and that they have filed a claim with the title company. they had indicated they were investigating only to send me a letter stating they answered the complaint in XXXX. 
I have furnished them with a XXXX page complete title report in which there were XXXX liens prior to my modifcation and insist it was an error by XXXX XXXX. Sadly we know that not to be true that a complete title was not ordered by Wells Fargo, if it was, the facts would be there. They stated they showed a judgement when i completed the modification which we all know judgement 's do not show on title. The lack of purpose or meaning to the people at Wells handling this case is totally unexceptable. 
They claim to have people working on this issue in different departments but there is no true resolution since they cant admit the errors they made. 
I also had advised the rep of calls from there people in title calling and yelling at me telling me 6 months later that i had to resign a duplicate mortgage because of mistakes made, and there response is they spoke to me acceptable. Acceptable and no explanation on a duplicate mortgage?? Yelling at homeowers is still acceptable by Wells? 
I asked recently about a principle reduction that XXXX XXXX is offering and i was told i was n't entitled since i was n't behind in my mortgage in XXXX. XXXX XXXX rolled this program out prior to XXXX, and with just receiving the appraisal on my home 2 years later showing my property was worth XXXX in 2014 and a modification was given to me for XXXX?????? who does these things. They just send a letter apologizing???? That 's not legal! Neither is allowing a modification with with liens on property. 
I dont get with the OCC involved and all the new laws protecting borrowers how all these mistakes were made and are still being made. 
The office of the President doesnt review complaint, but sends these letters down. 
Does anyone care? 
Last is my insurance that was taken when i received my mortgage that clearly had the proper insurance that covered the condo fees if any errors on title were made, and Wells is saying that the policy did not have any. I do n't know how that is possible since i paid for it with Wachovia who Wells purchase but when they completed the mod they didnt include 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 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, I received a 'Collection Notice ' letter in the mailbox, dated XXXX XXXX, 2016, from ERC , of XXXX Florida . The Creditor is XXXX XXXX XXXX XXXX. The claimed debt amount is {$700.00}. I tried but failed to find an appropriate option for cases of fraud in the phone tree within the customer service number at XXXX ( XXXX current parent company ). I am not and never was a XXXX or XXXX customer, and unless you are, there is no way to get to a real representative. Since I have only recently been hearing about ERC, I do not feel comfortable yet contacting them directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Radius Global Solutions LLC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I already submitted a complaint, case number XXXX in XXXX. The debt collector agreed I did not owe this debt and removed it, and now XXXX XXXX ( which by the way is not a company that actually exists, and must be someone going around illegally trying to collect money ) has gone with a new debt collector. Their name is XXXX XXXX XXXX, XXXX. The client reference number is XXXX XXXX. I submitted a complaint against the other debt collector and XXXX XXXX XXXX XXXX, yet they seem to be allowed to harass me with a new debt collector. They are using my maiden name ( which has n't been used since XXXX ) and SSN. I do n't understand why this continues to occur, so can someone please stop this harassment? Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Revenue Recovery Corporation attempted to change credit card amount they where not authorized to do. They changed my debit card XXXX which they where only authorized to do XXXX for a payment. This is an ongoing issue with different people I have talked to regarding this account. The company does not call you back to resolve an issue with the account and continue to lie about whether my wife or I authorized money to be taken out of our bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call twice a day, everyday. I have told them I am a full-time student and unemployed. They claim to notate it on my account and say to call them if anything changes.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The IRS refused my income tax electronically as someone has already filed. I tried to get an equifax report. They asked me questions about a house loan, and XXXX bank loans/credit cards that I know I do n't have. Then they refused to send me the report. I need help immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (ID).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I divorced in XX/XX/XXXX and it quickly became very difficult to meet the minimum payments on my student loans through Navient while trying to afford very basic living expenses on my sole salary. I contacted Navient numerous times and I was told every time that there was nothing that I could do. The last phone call that I had I was told that my only option was to get a loan through someone else to pay off Navient or to borrow money in the amount of {$10000.00} to pay them off. I am not sure who is able to do that but I found it to be two very inconceivable options.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
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: I am disputing a Chapter XXXX Bankruptcy that is on my Credit Report. I do not recall filing a Bankruptcy on XX/XX/2012. I have contacted the Federal Bankruptcy Court in Arizona and the letter I received back ( see attachments ) does not confirm the bankruptcy belongs to me and also states they do not furnish information to the Credit Bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I graduated from XXXX College, XXXX XXXX, Michigan with my XXXX in XX/XX/XXXX. Soon after graduation I was unemployed from XX/XX/XXXX to XX/XX/XXXX. I tried to make my payments on my student loans during my employment with XXXX from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I was again laid off due to the bankruptcy of XXXX and XXXX. I was n't gainfully employed with an acceptable wage until XX/XX/XXXX. During this time my student loans were in deferment. I was under the impression I did not have to pay for the interest accruing on my loans. In XX/XX/XXXX I started paying on my loans and over the past year and half I have barely touched the principal balance on my loans. I currently pay my loans through Navient. My account number is XXXX and I currently owe {$27000.00}. XXXX unsubsidized Stafford loans and XXXX subsidized Stafford loans. 

Last week I saw on the local XXXX media news stations that a lawsuit was being filed against Navient from the federal government. I am writing to inquire if I am eligible to be part of the federal law suit. 

I appreciate any assistance that can be given to me. I can provide unemployment verification from XX/XX/XXXX to XX/XX/XXXX. 

Thank you in advance for your assistance. 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: THE XXXX XXXX XXXX HAS NOT PROPERLY ADDRESSED MY ORIGINAL COMPLAINT # XXXX TO MY STASFACTION. 
THEY INSTEAD, MAILED ME THE ENTIRE XX/XX/XXXX STATEMENTS. 
WHEN I CALL 'D THEIR RESOLUTION SPECIALIST [ XXXX XXXX ] ON XX/XX/XXXX AND XX/XX/XXXX AND LEFT A MESSAGE BOTH TIMES I NEVER GOT A RESPONSE. 
THIS PYMT ON CARD # XXXX DURING XXXX.S REMITTANCE WASNT APPLIED CORRECTELY, AS I WAS TOLD IT WOULD BE 2ND ... ..MY XXXX BILL CALCULATIONS ARENT ADDING UP I WANT XXXX 'S SUPERVISOR TO CALL ME AND CORRECT THIS ILLEGAL ACTIVITY AND NO LONGER TAKE ADVANTAGE OF THEIR CONSUMERS!!

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 11-05-2016 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have contacted American Education Success ( AES XXXX my servicer of my private XXXX student loan several times since XX/XX/2016 regarding my employment status. I became under employed in XX/XX/2016 and told AES I would not be able to make my payments in a lump sum, but I could make smaller weekly payments via my unemployment and miscellaneous temp jobs. I was told every time " we do not do that '' and " I am sorry we ca n't help ''. Today I received a notice for XXXX that stated my payments for AES/XXXX were 30 days past due, which is not true. I pay a small portion almost every week. 

Yet I still get calls from the collection agency ( which I had to block ) and they are single handedly ruining my credit score. 

My federal loans, and all the other companies I have regular payments to like XXXX understand economic and financial hardship, they work with you, especially when you are still making payments. 

AES/XXXX are honestly just ... .XXXX. It ridiculous there is not some concessions made for those like myself who are still make regular payments and are trying to maintain a good financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery Associates failed to provide me with a copy of any original documentation for example, a consumer contract with my " wet-ink '' signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section XXXX ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: TransUnion refuses to correct an obvious mistake. 

1 XXXX auto loan is open paid & satisfactory according to the bank & all other cra 's 2. Account was reaffirmed. 

3. Account has been current for 5 years 5. COMPLETE payment history sent to TransUnion documenting 6. Letter from bank sent to transunion. 

ATTENTION FTC UNLESS YOU SUBSCRIBE TO THEIR SERVICES THEY REFUSE TO CORRECT ANYTHING

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 03/28/2017 about Debt collection (Medical) with Medical Data Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/XXXX Account # XXXX and XX/XX/XXXX Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Credit card) with CITIBANK, N.A. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've been experiencing financial problems and have been paying on my Macy 's credit card. Although it 's not the complete payment, it 's something. I have explained to the agency what I can pay and when and their repeated calls are really annoying. The calls have been going on for quite some time but I 've started to count the calls and between XXXX - XXXX I 've received XXXX calls as I 'm writing this letter. the numbers they use are XXXX or XXXX. 

What rights to I have as a consumer?

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 07/21/2015 about Student loan (Non-federal student loan) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I do n't understand how I can make a XXXX monthly payment and only {$20.00} gets applied towards the interest. I have federal loans as well but at least {$90.00} will pay the principal down. I make my payments 2 weeks before the due date and yet almost all of my monthly payments are going towards interest. Is this correct or am I being ripped off? The amounts every month are really inconsistent even though I pay around the same time every month. It just does n't add up.

Company response to consumer: Closed with explanation