milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2016 about Consumer Loan (Vehicle loan) with TIDEWATER FINANCE COMPANY, INC. (MO).
Issue: Managing the loan or lease

Complaint: I submitted a payment online through my XXXX ACH. I was told by my bank the payment would post on or before XXXX/XXXX/2016. But instead the company Tidewater finance posted the payment on XXXX/XXXX/2016. By Tuesday XXXX/XXXX/2016 the payment should withdrawn from my account and sent the the company. However due to no fault of my own Tidewater could not locate the payment. I had to go to my bank to see if the acutally sent it which they did because they can see it drawn from my account. This took Tidewater 2-days to locate the payment and they posted to my account. The payment posted on XXXX/XXXX/2016 due to Tidewater. Which made my payment post on the XXXX day instead of the XXXX. When I contacted tidewater to change the payment date to XXXX/XXXX/2016 they said I would need to contact my bank as it was their error. This was not the case this was completely the error of Tidewater finance. I was told by Tidewater they could n't locate the payment till after XXXX which caused it to post on XXXX/XXXX/2016. That is unacceptable to me considering the payment was received in the an adequate amount of time. Tidewater should not have the liberty to post payments when they feel like it. If the payment was received on XXXX/XXXX/2016 or XXXX/XXXX/2016 before or after XXXX it should be considered received on that day. The 31-day late will have a teremendous negative impact on my credit if this issue is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with SYNCHRONY FINANCIAL (DC).
Issue: Late fee

Complaint: Synchrony Bank 's, for the American Eagle credit card, online system shows a late fee despite my payment being made on-time ( by XXXX XXXX at XXXX Eastern ). I made my payment at XXXX Eastern. According to the unprofessional CSR talking over me and laughing while I was talking to her the system automatically generates a late fee if a payment is posted to the account by XXXX. This was not stated in any notice to me. She claims that " the system '' does n't recognize the payment until the payment posts and is no longer in a pending status. All I saw was a notification e-mail that I was charged a late fee.

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 09/21/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (WV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Navient became the servicer of my student loans ( originally taken out through the Federal Direct Loans program and then later serviced for a while by XXXX XXXX ), and since that time I have had several problems with them that required me to call as a result of unclear or misleading communications. In this case, their website has shown for the past two months that I owe {$0.00}, and when I click " Make a payment '' the amount to pay auto-fills at 0 and just resets itself to 0. However, both my father and I have been receiving calls for the past week with vague messages asking me to confirm my identity ( I did once, by pressing 1, but then the line went dead ) or to log into Navient.com ( which, as described, I 've been doing this whole time ). Today I finally got a call from a live representative, and when we could finally hear each other ( the beginning of the call seemed like the audio was cutting in and out ) I was asked to confirm my last name. I never did that, asking instead why I was getting these calls and how I could be sure I was even talking to a real Navient representative. The representative said she had my account up, and I countered that I was looking at my account and could see no amount due. She then proceeded to tell me that my account was 24 days delinquent, and reiterated this several times after I explained that the website shows no amount due. I refused to confirm my last name when she finally prompted me again, and instead requested that she not call again. I have since emailed Navient about the issue hoping for some clarification but am still waiting for anything beyond an automated feedback message. If I have time at work tomorrow I will try to call their toll free number to see if anyone there knows what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX we had to refinance our home mortgage due to lose of employment. We went with a mortgage company called XXXX. We were told this was a 30 year mortgage. After a while we kept being sold with my mortgage company always changing. In XXXX my husband pay had decreased. I had to close my business and we fell behind I tried to refinance at that time our bank was XXXX XXXX XXXX they would not refinance and stopped accepting our payments we could afford. My husband became very ill in XXXX of XXXX. We had XXXX childreen move back home and grandchildren. We had to meet a man in XXXX from XXXX XXXX XXXX who had told us to stop paying our payments and then i would qualified for the relief program. After a few months I got a foreclosure notice. I tried to find help and ended up being a victim of a scram. Now I we are working with Nationstar martgage where again I thought we were on a 30 year fixed mortgage that is what they lead us to believe. I was making payments of XXXX every month then in XXXX our loan went up XXXX I did not know this until XXXX when I called the bank to find out how i could be behind. At this time our wages our being garnished for medical bills which is more than our mortgage payment. I tried to explain we could not afford that they said it was due to my escrow. I kept making my payment of XXXX a month which they held and did not put towards loan until they had enough to make the payment so then it looked like I was behind then then two months ago they stopped accepting payment. I have lived in my house for 27 years and always made a house payment except for the aboved mentions. I bought my house in XXXX for XXXX which was paid off in fall of XXXX thats when we went with the XXXX Mortgage company I believe the amount we were financed for was around XXXX. I just dont understand how after paying all these years I now owe XXXX. I have been deciding to give my house back to the bank I found out after checking different options I am not on a fixed mortgage and my current loan is for 45 years. My husband had brought home an article from work thats how I found you. I hope you can help Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been for many months receiving multiple calls daily ( without any message being left ) from a company that identifies itself as Portfolio Recovery on my answering machine. I have not spoken to them, but after checking the Internet for information about this company, I learned they are supposed to be a debt collection company. I am quite sure I have no outstanding debts, but nevertheless prefer not to engage a robocalling agent over this matter. If this were a legitimate claim against me, I believe the company, or its attorneys, would have contacted me in writing. Instead, they choose to harass me at all hours of the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (CA).
Issue: Trouble during payment process

Complaint: Two complaints regarding my mortgage servicer Amerihome Mortgage.

1 ) They have yet to release the overage of my escrow account balance despite the fact that I prepaid my 2nd installment of property taxes on XX/XX/XXXX. I have contacted them on XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX. I have requested this for nearly 30 days now.

2 ) They continue collecting {$7000.00} in property taxes despite being provided evidence that my annual property tax bill is {$6100.00}. My property has already been reassessed and supplemental tax bills have been paid.

Therefore, I believe both the balance they are holding, and the amount they are collecting to be in excess of what is allowable. I would like for this to be confirmed by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Problems when you are unable to pay

Complaint: I have filed complaints against Prestige Financial Service in regards of interest rate and vehicle purchase.Please review filed complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (FHA mortgage) with SOUTH PACIFIC FINANCIAL CORPORATION (MT).
Issue: Loan modification,collection,foreclosure

Complaint: They locked me out of my house without notice. I am not in foreclosure. I am late on my house payment, but not in foreclosure. I moved out of my house XX/XX/XXXX and notified my bank that I was moving XXXX due to a job change ( a permitted reason to move and not occupy the home under FHA loan regulations ). XX/XX/XXXX, I received a letter stating that they just learned that my home was vacant and that I needed to call them within 10 days or they would take steps to ensure security of the home. I called immediately and reminded them that I previously informed them that the home was vacant and worked it out with a representative to XXXX XXXX 's satisfaction at that time. I traveled to the house XX/XX/XXXX and stayed in the home XX/XX/XXXX. I have a friend who regularly checks on the house and who is considering purchasing the house who went to check on it today and the locks had been changed on my house and a realtor box placed on the door. I did not receive any kind of notice that the house was going to be locked up, or I would have told them that I was using the house when I traveled to XXXX visit my mother. I called today to let them know that I can not get into my own home and they said too bad. They informed me that I could not remove the lock to get into MY HOUSE. I am not in foreclosure. I have not received any notice that the house would be locked and I would be locked out and not provided any access. This is a violation of the law and of my rights. XXXX. I understand the law and my contract and this chain of events is a breach on the part of south pacific financial. They have an obligation to inform me and can not lock me out of my own home without proper judicial authority. They also stated this was partially because the utilities were turned off. The utilities are off because I am having the house completely rewired and new electrical installed. I am ready to sue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (Payday loan debt) with Avant Credit Corporation (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a loan with avant in XXXX XXXX and paid it off in XXXX XXXX. Even after paying the loan off they still took money from my account. I filed a complaint with the BBB and money was refunded. I received a call from them 2 months ago indicating that I owed money on the account which is false. The company has reported to the credit union I am late on a payment. As a Veteran I need assistance in trying to resolve this complaint because the companies fraud is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my mortgage through a broker and Wells Fargo bought the new loan XXXX XXXX, 2012. I escrowed the taxes and insurance to be included in my loan and be paid annually. I had no problem at first, but every year now they send me an escrow refund and immediately raise my loan payment. I have never experienced this with any other of my mortgages. Why do they do this? I always call and ask how I can pay down the demanded new escrow payment to keep my monthly mortgage payment the same. I send them a check for the specified amount thinking there will be no further problems. Then, months later I again get a refund escrow check and they again raise my monthly payment. How can I avoid this constant problem? I am a senior citizen with an excellent credit rating and always pay all of my bills on time and frequently include an extra amount. The first few years I added extra money toward the escrow but this did not help. Now I add extra money to the principal. Is their practice of changing my escrow at least twice a year legal? When they set up my account why did they not set up the escrow account correctly to always be able to pay the annual taxes and insurance without raising my monthly payment after sending me a refund due to overage?. My insurance and taxes annually remain about the same. I do not understand whey they send me a refund because I have overpaid and then raise my monthly payment to cover these expenses. Please advise. I have complained to representatives of the the Wells Fargo Mortgage Department that manages my loan every time I get these refunds and have to then replace them by a higher monthly payment and they continue the practice anyway. Thank you for your consideration.

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 02-08-2017 about Debt collection (I do not know) with United Check Recovery Bureau, Inc. (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call today from a " XXXX XXXX '' at UCRB - no website exists nor address. They said something about an unpaid debt/ bad check? I looked on my credit report that shows nothing associated with them. I XXXX the phone number and have been reading up on all the threats and nobody can seem to find out anything about their debt or who the company is. If it is a legitimate company - they are contacting family members on their first attempt of contact. I have not received any notifications via mail and my bank account has a zero balance and has been closed since 2013. Please look into these people. They are preying on a lot of people and making phone calls to people 's work, family members, friends, etc. Also, XXXX stated that they are " sending a courier unless I call back and make payments to them. '' Sounds extremely sketchy and these people need to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/21/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Unsolicited issuance of credit card

Complaint: I applied for a secured credit card with Discover. When I first applied they told me that I needed to upload a photo of my social security card in order for my account to be verified. I was XXXX during this time and did not have my social security card on hand, so I decided to not move forward with the account. I did not express this to the bank, but I assumed they would not approve me for the card without proper verification. Since this was a secured card, I provided my account information where the money would be taken. Four weeks after applying for the card, I saw that I {$200.00} had been removed from my account. I called Discover immediately and they told me my card had been approved. I told them to close the account immediately because I never gave verification for them to open it. They then told me they would close the account, but I would n't be able to have the {$200.00} back on my account for 3 cycles ( 90 days ). I am a college student and I opened up this account to try to build my credit. Before opening this account, I had no credit score at all, since opening this account and then closing it, I now have a score of XXXX. I never used the card, so the balance was {$0.00} and I closed the account within hours of it being approved without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call everyday harassing me for the past 3 months from several different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I asked that the information for University XXXX to be validated and what ever they reported to the CRA it was claimed to be valid. I have written to University XXXX twice and they have not responded to me. They just keep validating the debt with the CRA so I have recently written to the CRA asking them to provide to me the information the creditor is supplying them that allows them to keep stating the debt has been validated. I have nit gotten a response. I also have asked that accounts for XXXX to be validated and I have not gotten any response from the Creditors nor the CRA 's. I have also written to this office as well fairly recently in regards to this same issue. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (OR).
Issue: Deposits and withdrawals

Complaint: I opened an account with M & T bank online on XXXX/XXXX/15 and immediately funded it with an automated transfer of {$500.00}. A little over a week later I got a letter requesting that I fax in a copy of my DL, Social, and utility bill for address verification which I did on XXXX/XXXX/15. Fast forward to today, XXXX/XXXX/15 and I have not heard anything back so I called M & T bank to find out the status and I was told that they still have not reviewed it and my {$500.00} was on hold. I demanded that my account get shut down and my {$500.00} returned but I was told that could not happen until they reviewed my information that was faxed and released the hold on my account. I asked how long that would take and I was told it would take as long as they want, which would render my {$500.00} hostage until they got around to figuring stuff out.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Credit card) with URS Holding, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX sent me to collections. I began paying the collection agency ( United recovery Systems in XXXX ) every month and when I did, I received a notification from XXXX XXXX via e-mail. They now do not send me statements anymore. When I call them to get my balance, they direct me to XXXX XXXX. When I call XXXX XXXX, they ca n't help me and tell me to call XXXX XXXX. I have never received any correspondence from XXXX XXXX. When I call the number that XXXX XXXX gave me for XXXX XXXX, they answer the phone, saying, " XXXX XXXX '' and say they are not Nationwide Credit. I need your help. I want to finish paying this bill and I want to resolve the credit reporting issues for this debt. How can I find out my balance and find out if I am paying the right company?

Company response to consumer: Closed
Consumer complaint received 05-06-2015 about Debt collection (I do not know) with Enhanced Acquisitions, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a collection call from the XXXX XXXX regarding a payday loan dating back in XXXX. I have already attended court procedures ( XXXX meeting ) for my Chapter XXXX Bankruptcy, on XXXX XXXX XXXX and currently waiting on discharge. The collection company has my attorney 's name and contact number. My attorney called them on XXXX/XXXX/XXXX at XXXX and this company would not provide any information regarding who they were representing.

Company response to consumer: Untimely response
Consumer complaint received 08-09-2016 about Consumer Loan (Installment loan) with HSBC NORTH AMERICA HOLDINGS INC. (SC).
Issue: Managing the loan or lease

Complaint: Banking error by hsbc led to a invalid debt being prosecuted by a debt collection person that used profanity, threatening remarks towards my wife, and brothers and family. Disparaging remarks about my service to the nation when I was XXXX by a XXXX while serving XXXX. Threatening court actions and promises XXXX. Phone number of said debt collection agency is XXXX this person has made the statement that he would come to my house personally and do harm to me.,

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Debt collection (Auto debt) with TRANSWORLD SYSTEMS INC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX claimed that I owed them XXXX possibly XX/XX/XXXX. After retaining funds from two banks accounts, along with the payment made XX/XX/XXXX. This debt was paid in full ( and then some. ) I received a letter today from Transworld Systems Inc. stating that I have a collection account due to non-payment. This is false information as this debt has been paid in full ( on 3 various transactions, through XXXX, XXXX XXXX, and XXXX. ) I also have the letter from XXXX XXXX, at XXXX stating this debt has been PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (VA mortgage) with SERVICE 1ST MORTGAGE, INC. (TN).
Issue: Credit decision / Underwriting

Complaint: Service 1st is targeting veteran mortgage holders with deceptive advertising and misleading disclosures that grossly underestimate escrow accounts and try to convince veterans to switch from low fixed rates to adjustable mortgages at extremely high costs.

Company response to consumer: Closed
Consumer complaint received 07/17/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Trouble during payment process

Complaint: I received a postcard on   XXXX   XXXX   stating a check had been issued on   XXXX   XXXX  , 2017 in the amount of {$110.00} for a settlement payment in the case of www.BiasvWellsFargo.com Case No  XXXX  I never received the payment and when I called, I was told no re-issuances will be done per the settlement instructions.
As the consumer in this case, the settlement was to compensate for monies I was charged erroneously. Now, I ca n't receive the funds because I never received the check and they refuse to reissue. Where is the proof the monies were even sent? Could this be a way for them to pool monies from the settlement?
The representative on the phone works for   XXXX   XXXX   which is a 3rd party servicing center. She stated that the check was not returned to sender by   XXXX   XXXX   which voids my ability for reimbursement. There is no way to track the mail as it was sent either first or bulk mail.

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