milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2015 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Due to a court order from my divorce, I either have to refinance my home or put it on the market by XXXX XXXX, 2015. I spoke with an agent at XXXX bank who has me locked in at a rate as of XXXX XXXX, 2015. On XXXX XXXX, 2015, I 've been dealing with an HSBC agent and inquiring about my account and wondering why they had continued adding interest on the back end of my loan. She called me back the following morning and said that it was incorrect and that she would look into it. I have been telling her that time is of the essence and as of today, XXXX XXXX, 2015, it 's just now going up to another level because it 's not being taken care of. " TIME IS OF THE ESSENCE. '' I need your help on this matter because from what I see, I 'm going to loose my rate that I 'm locked in on and if I had sold it, I could have very easily lost that deal due to insufficient knowledge of a bank that holds not only my mortgage, but millions of others. Knowledge of something that they should know. A bank that has not given respect to a long time customer and XXXX that is trying to fulfilled court orders. Please help! 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX with Transworld Systems Inc. called and left message regarding a debt they feel belongs to someone with a name similar to mine. I returned XXXX 's call and spoke with XXXX. XXXX never voluntarily disclosed that we were speaking on a recorded line. I had to ask twice before she told me that call was recorded. I provided XXXX the file number and she wanted me to self identify with personal data. I demanded Transworld Systems Inc . Cease and Desist with emphasis that we were speaking on their recorded line. She was not willing to honor my demand because I refused to self identify in order to verify my personal information, proving I was the person in question. I asked her to tell me what information she had and I would verify hers. XXXX refused to cooperate. I demanded that she contact me in writing.. As I felt completely suspicious of potential fraud. I asked her to mail me documents which her organization has that created said debt. XXXX told be that was not possible because they could not verify my identity. I am not aware of the matter in question. I need a signed promissory note with my signature to prove they have legal standing to contact me regarding this matter. In addition, I filled Bankruptcy, therefore Transworld Systems Inc. needs to contact my attorney. XXXX, Attorney at Law in XXXX, CA. to discuss this matter. Again, this matter causes me great anxiety being that the representatives of Transworld Systems XXXX Inc. are called me randomly without concrete proof they 're calling the debtor of interest. 
has called me out of the blue despite a bankruptcy, and they have an expectation for me to provide them with personal information that puts my identity in unknown hands. They 've contacted me on a recorded line without revealing the call was being recorded ( proof of this lack of disclosure available upon request. ). 
collector has grossly violated my rights under the Fair Debt Collections Act. I do not know why this entity has contacted me. I do not have any business with them. They do not have permission to contact me. This was an unwelcomed/unsolicited call.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Billing disputes

Complaint: I filed complained for {$200.00} against NY XXXX MOVERS with Bank Of America visa on XXXX/XXXX/2016 under claim # XXXX with transaction ref # XXXX. I received a letter from bank of america on XXXX/XXXX/16 at about XXXX dated XXXX/XXXX/2016 posted on XXXX/XXXX/2016, asking me to reply by XXXX/XXXX/16 I called bank of America visa and informed XXXX XXXX XXXX Who told me that I can not reply by fax but only reply by mail and there is 10 days grace period and adivised me to send reply in next 2 days. He aIso told that he putting note regarding our phone conversation in the system. I posted my reply on XXXX/XXXX/16. I got email on XXXX/XXXX/2016 to look into my on account for alert. When I open the alert, It was the letter stating that my claim is closed as It has passed time limit. I called again on XXXX/XXXX/16 and spoke with XXXX XXXX who asked to me call dispute dept at XXXX on Monday XXXX/XXXX/16 and they will reestablish the claim. When I called on XXXX/XXXX/16 at about XXXX I spoke with XXXX and explain them all the fact but they only stated they can do nothing as they have not received my reply by XXXX/XXXX/16. I told them that that is my mistake and hence either you reopen dispute or give me {$200.00} credit. I was offered {$50.00} credit as cursey by XXXX which I refused and I told her that either give full credit or I will be not responsible for the payment. I am ready to provide any more information if needed. I told XXXX that i spent about 3 hours of my precious retirement time to resolve the problem and I am doing this to get justice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Trouble during payment process

Complaint: Reply to Case # XXXX Receiving smoke in the mirror replies from Wells Fargo, still no reply to my original concern, my credit not being suppressed per our contract. 

Updated documentation has been furnished through CFPB as evidence that credit report still shows XXXX overdue. I have attached for the second time. It is my intent is to take Wells Fargo to file a lawsuit and sue Wells Fargo if my credit is not fixed as contracted. 

A full media package is ready to launch on this and all previously discussed topics if the above is not addressed swiftly and professionally. Below is a sample and only the beginning of my reach : https : 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 monetary relief
Consumer complaint received 12-08-2017 about Money transfer, virtual currency, or money service (Money order) with WESTERN UNION COMPANY, THE (CT).
Issue: Problem with customer service

Complaint: I wen t to purchase money orders for my XXXX and XXXX insurance and beacuse of the poor customer service i decided to cancel one of the money orders purchases before it was executed. i handed over the teller {$2500.00} upon cancellation she gave me back {$2400.00}. i called to inquire about my missing money and i was given sarcastic disrespectful attitude over the phone and was told that its store policy that i must count my cash in front of the teller. Is it store policy to con your customers. Im sure i will never get back my money but i want corporate to know the kind of people they have representing their brand. i was just stolen from and there is nothing i can do about it. the address of the the western union is XXXX XXXX XXXX in XXXX, XXXX thank you and hopefully at least someone reads this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (AZ).
Issue: Credit decision / Underwriting

Complaint: On Saturday, XXXX XXXX, XXXX, My wife and I went to our bank to apply for a re-finance of our home. I was told : " You have no credit reporting. '' My reply was : " I have a mortgage that I 've been paying on for twenty years. " " Whomever has your mortgage is not reporting any payments. '' was her reply. 
Upon returning home, I checked my XXXX credit scores. Green Tree Servicing has never reported any of my payments. 
Upon calling Green Tree Servicing, I was routed to a half dozen different people before some really rude woman came on to tell me that I had never filed a reaffirmation with XXXX after my bankruptcy in XX/XX/XXXX and because of that, they were not required to report my payments to the credit scoring agencies. 
I had filed bankruptcy in XX/XX/XXXX while still a customer of XXXX Mortgage and sent them a letter assuring them that I wanted to reaffirm with them, I had never missed a payment until I requested a Loan Modification from XXXX. The Loan Modification was completed and granted in XX/XX/XXXX, two years after my bankruptcy. 
With XXXX continuing to take my payments and granting a Loan Modification in the aftermath of my bankruptcy, they effectively accepted my reaffirmation,. 
In XX/XX/XXXX Green Tree bought my mortgage and stopped reporting, Now they want me to go to court to reopen my bankruptcy and do a reaffirmation with them, before they 'll begin reporting again. Three years after they bought my mortgage, they tell me this. 
This is effectively holding me as a financial hostage, because XXXX XXXX XXXX is no longer reachable. 
Now if I want to get any credit at all I 'm stuck, with only my mortgage payments as proof of my credit history. I hate being strong armed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Currently, Navient is reporting inaccurate status information to the XXXX credit bureaus XXXX, XXXX and XXXX regarding the XXXX student loan accounts. These accounts were not part of a Chapter XXXX bankruptcy, claimed filed with government, paid or being paid by Insurance Company. Additionally, the accounts have not been 90-180 Days or More Past Due. 

I have asked Navient & XXXX XXXX to STOP AND DECSIST IMMEDIATELY from reporting inaccurate information to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In  XXXX  my student loan provider went from  XXXX   XXXX  to  XXXX . I was on auto pay with  XXXX   XXXX .  One day I re ceived a letter in the mail stating that  XXXX   XXXX  account was Closed and the new lender was   XXXX   therefore they were not going to charge me anymore and that i should wait Further instructions from  XXXX . First communication with  XXXX  happened 3 months after that and was to tell me that i was behind on my payments. Initially I was surprised since it was the first form of communication since  XXXX   XXXX . Not a problem I said, lets pay. The representative at  XXXX  walked me through on how to create my account on the website and pay, which i did. My first concerned was my credit reports so I asked him how does this affect me and he replied " that since the transition from  XXXX   XXXX  to  XXXX  was a missunderstanding because the mailing address they had did n't match mine he was going to make a note to correct any information sent to the bureaus . Two weeks ago i decide to check my credit reports and there was de 60-120 late payments on the  XXXX    XXXX    accounts. I wrote them a good will letter to remove the incorrect information and they de clined. They sure told me that they would review it if i sent them a bunch of stuff. This was  XXXX , is  XXXX  now I 've been on auto pay with them since the very beginning. I do n't have canceled checks, i do n't have that letter from  XXXX   XXXX . All I have is the word from that representative telling me that it was n't going to affect my credit and it is. I fin this unjust and abusive on  XXXX  's part. I still pay my loan to this day and i have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is not correct I do not have any of this issue. I need this taking off my record DEROGATORY PUBLIC RECORD OR COLLECTION FILED Your credit report shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally more risky to lenders. Note : A satisfied public record or paid collection will remain on your credit report for 7-10 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i call XXXX XXXX XXXX XXXX ask them to closed this account and they did n't Account Number 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 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have an account with  XXXX   XXXX  that was paid and closed in  XXXX . For some reason, they started reporting the account again in  XXXX , even though it was paid off in  XXXX , and the account closed. Both   XXXX   and  XXXX  are still reporting the account.   XXXX   says it will stay on reporting until  XXXX . This account should be gone from my records.

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 03/15/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have disputed this account with Portfolio Recovery Associates through all XXXX credit bureaus. It is apparently for a XXXX account that I do n't believe is mine. They have sent me a copy of a last statement with amounts for a past due and payment now due and balance listed. It does not verify the debt is actually mine, but they keep stating it 's verified. The amount they are claiming I owe is neither of the XXXX balances on that statement. With just a little bit of research about this company I realized that they are not even licensed to do business or collect debts in my state of Georgia. I would like all collections to cease on this account and for it to immediately be removed from all XXXX credit bureaus and for Portfolio Recovery Associates to stop trying to collect accounts in states that they are not licensed in.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (I do not know) with Nations Recovery Center (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We are repeatedly, wrongly targeted for collections calls for an individual named XXXX XXXX. Our family has had this number for at least 14 years. We do not know XXXX XXXX. Based on an internet search, a previous phone number of his was close to our number, but he never had our number. We received these calls even when it was publicly available that he was in jail or prison. This demonstrates what little effort the collection company puts into finding the debtor. The number gets recycled and for years we have dealt with multiple recorded phone calls. It appears that the recovery companies feel no obligation to verify the currency or accuracy of the phone numbers before plugging them into their auto-dialers. Because they are recorded calls, efforts to talk to real people to correct the problem are fruitless. Over the past decades, I can honestly say that we receive more calls on our landline for XXXX XXXX than any single member of our household.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (SC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: XXXX had automatic payment agreement with me to deduct {$500.00} from my account in XX/XX/XXXX and XX/XX/XXXX and then XX/XX/XXXX they charged me the wrong amount of {$600.00} which caused my business to have 3 overdraft fees. I emailed them on XX/XX/XXXX as well as XX/XX/XXXX which was the original method of setting up this agreement and told them of the problem and to STOP ACH withdrawals immediately. I disputed with my bank and retrieved my money. They never responded to these emails even though they did with no issues setting up the payment arrangement. On XX/XX/XXXX they once again charged me {$600.00} even though I had sent in writing to the department that set up the original agreement and cancelled authorization to ACH withdrawals. I want my {$600.00} returned to my bank account ASAP. I disputed with my bank and this company lied and said they had permission to debit my account. 

The account is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC 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 12-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I received a letter in the mail on XX/XX/XXXX indicating that the interest rate on my Chase Freedom credit card would be increasing from 8.24 % to 13.24 % in XX/XX/XXXX. Given that I have held this account for over 10 years, with no missed payments, and holding an excellent credit score, I called and sent messages to dispute the increase and attempt to negotiate a lower increase to my APR. The Customer Service reps used several tactics to dismiss my request, including saying that it was too late to dispute the increase, that the changes are to align my APR with APRs currently being offered, that my interest rate is variable and periodically increases due to changes in the prime rate, and finally dismissing me by saying I do not have an option to dispute the rate increase ; I could either accept the increase or close my account. My responses to these dismissals were that I had just received the letter indicating the increase that day, so how was it too late for me to dispute the increase? Regarding aligning my account with current APRs being offered, I interpreted this as being penalized for being a long-standing customer. I indicated my understanding that my APR is variable, but that a 5 % increase was exorbitant. Prime rates have increased by approximately .75 % in the past year, so why is my interest rate increasing by 5 %?

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX XXXX. 
I have attached What these items are :

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 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: navient would contact me and my parents repeatedly trying to almost force us to pay on loans when i am not in a financial place where that is not possible i am barley able to keep head above water. my education has not helped me in the pursuit of financial gain at all and it is hard to keep optimistic when you are be hounded for the money that was given to help advance my career and therefore my wallet ... and the manner to which navient attempts to collect is almost mob like so many calls and does not matter what is noted in account the calls and the their way of talking to customers is ridiculous and unacceptable!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I, ve contacted Lobel Financial about this debt to remove from my Credit report. Car was repoed, and later found out that the company that i received the car from license was suspended from the XXXX, therefore they should not have been able to sell the car to me in the first place. Company is in current Lawsuits to recover the deposits paid on the cars they sold. Lobel approved a loan of a car whose license was suspended by the XXXX XXXX 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 02/14/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, XXXX I deposited a check into my Bank Of America checking account from my ex husband XXXX XXXX for {$2500.00}. It was for court ordered alimony & child support payment for XXXX due on XXXX/XXXX/XXXX ( it 's dated XXXX/XXXX/XXXX idk why ). The check is written out on a Bank of America checking account. It cleared and no problem. XXXX XXXX XXXX I received a call that a check I wrote to my accountant had bounced. After further investigation I found that XXXX had put a stop payment on the check and they deducted from my account 45 days later. I 'm questioning the legality of this action. There must be some kind or rules as to limitations of stop payments can be made. I encountered not only embarrassment from this action but bank & other associated fees due to this action. I want to know if this is legal or not? I have filed a complaint with the bank with no success or answer to my question.

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