milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Beneficial can not read or understand ENGLISH! I am making a complaint against them for a mistake they made in XXXX XXXX. That 's XXXX XXXX. DO YOU UNDERSTAND THAT THE YEAR IN QUESTION IS XXXX?? NOT NOT NOT XXXX. Beneficial DID own this mortgage loan in XXXX XXXX. They have stolen our money. Here is my complaint and possibly you can locate someone at Beneficial that can actually read and understand English. And make sure they understand that the theft by Beneficial happened in XXXX XXXX NOT XXXX. They did hold the mortgage in XXXX XXXX. BENEFICIAL IS THE RESPONSIBLE PARTY!!! 
Beneficial applied two monthly payments XX/XX/XXXX to XX/XX/XXXX. They have sent us their accounting records that show that they made this mistake but they refuse to rectify the mistake. On XXXX XXXX, XXXX they completed a reconciliation of our account and their lawyer informed the federal bankruptcy judge that our account was up to day. On XXXX XXXX, XXXX after completing another reconciliation they told the NYS Attorney General 's Office that our account was up to date. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX they were paid a total of {$10000.00} which was more than enough to cover 6 months of payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) of {$1700.00}. On XXXX XXXX, XXXX they sold our mortgage to XXXX XXXX Loans. Not only did they not tell XXXX that we were paid through XX/XX/XXXX, they told them that we were a month behind. This caused us to incur late fees. They seem to think that XXXX can fix their mistake. XXXX CAN NOT FIX A MISTAKE THAT BENEFICIAL MADE! Beneficial needs to be held accountable for stealing a customer 's money. This is a heinous act and they need to be punished. After many requests they sent us their accounting records of our mortgage. THEIR OWN RECORDS SHOW THAT THEY MADE A MISTAKE IN APPLYING THE PAYMENT TO THE CORRECT MONTH. Apparently no one at Beneficial Customer Service can read and understand English. Nor can anyone decipher their own accounting records. PLEASE make every effort to find someone at Beneficial that can read and understand English and can also understand their own accounting records. I DO NOT WANT TO HEAR THAT THEY BEAR NO RESPONSIBILITY TO FIX THEIR MISTAKE BECAUSE THEY SOLD THE LOAN TO XXXX AFTER THEY STOLE OUR MONEY. 
This information is also being shared with the NYS Attorney General 's Office and the federal bankruptcy court judge of the southern division of NYS.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In early XXXX after filing my XXXX taxes I contacted via mail from the IRS stating there is an important matter about my XXXX tax return. I contacted the IRS from their website just to be safe and spoke to a Representative who stated there was a return already filed using my SSN and Name. She went on to ask my some verification questions and indicated this was fraud, the return would not be processed and for safe measure I should check my Credit Reports to make sure whoever filed this return with my Name and SSN has not done anything else. After pulling all XXXX Consumer Reports, I found multiple credit accounts opened with my name and SSN, mainly credit cards. The accounts opened were credit cards from XXXX Bank- XXXX, and XXXX Bank XXXX Since I found all these fraudulent items in XXXX XXXX to current day, I have went through so many letters, calls, fraud affidavits, and credit disputes through the XXXX agencies. I have been successful in contacting these Creditors directly, explaining my issue, and being able to get the items removed after each company did investigations. The only fraudulent account I am still unable to get removed is the XXXX XXXX Bank Credit Card. I have contacted them multiple times asking to speak to their Fraud Department and was told they are unable to transfer me but will mail me paperwork to fill out to get the item removed. To this day I have not received any correspondence from them even after several phone calls. I have disputed the account multiple times through Experian and the other XXXX agencies but when the results come back, XXXX XXXX states the account belongs to me. I have mailed them a Fraud Affidavit from the FTC site which they stated they received in XXXX of XXXX but nothing has been done. I called again today, XXXX/XXXX/XXXX, I am told the same thing that they are unable to transfer me to their Fraud Department. The person on the phone stated the account was NEVER disputed through any credit reporting agency and she can see they did receive my Fraud Affidavit but can not provide me any other information. I then contacted Experian right after and spoke to a XXXX, who stated he can see I have disputed this item numerous times but XXXX XXXX states the account is still mine. I have also disputed the item with Experian and uploading the affidavit I sent to XXXX but still I can not get this fraudulent item removed from my credit file. It is very frustrating because I was able to remove all the other credit accounts from such big financial institutions after investigations were done and found to be fraud but can not remove a small credit account from XXXX XXXX. I am out of options or ideas on how to get this removed just like all the other Fraudulent items.

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 12-07-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Struggling to pay your loan

Complaint: In XXXX of XXXX we called our mortgage company ( Bank of America ) and asked if we could refinance at a lower rate with some additional funds to help us get through this difficult time ( unemployment ). It was then that we were offered a Home Equity Interest only Line of Credit. At the time the real estate market was booming and they offered us a huge loan. we were told we would qualify for the HARP program just take the line of credit, in addition to that, we were working with a representative never actually getting a modification payment. We were offered a payment that was higher in fact, so high we couldnt make the payment. This continued with XXXX XXXX a new representative because the other one was laid off. XXXX stated if I show good faith by making 3 payments they would continue to work with us and find a way to consolidate both loans. I asked XXXX XXXX If they could apply a percentage of debt forgiveness to make both loans affordable. Instead my 1st mortgage loan was sold to XXXX leaving me no other option but to pay both loans individually. Unfortunately for me I was not knowledgeable enough to get it in writing her promises before making those payments. 
The two loans would have totaled XXXX a month totally unable to make that payment while on XXXX. 
I have since called them imploring them to please work with me even as recently as XXXX/XXXX/XXXX. My original mortgage was with boa and they sold the loan to XXXX as soon as i made 3 very high payments to them deceiving me by not combining the two loans making them affordable to us. They lied so many time to me and worst part is they never gave me a modification. They never explained to us the fact that the mortgage was a priority not the line of credit. I never would have fell behind if i was n't paying the interest on the line of credit. I did n't understand my allegiance belonged with my mortgage. THEY ARE THE ONES WHO TOLD US WE WOULD NOT BE ELIGIBLE FOR ANYTHING BECAUSE WE WERE NOT LATE WITH ANY PAYMENTS!

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX accounting department is the problem. I paid the supposedly balance of {$600.00}. I have the canceled checks. 
1. XXXX charged for two XXXX surgeries when they could have did both XXXX at once. I paid {$600.00} for the original XXXX. Some months later I get a bill for another {$600.00} for the second XXXX. I made payments of {$50.00} per month. I noticed on statements the amounts never changed. I wrote and called and asked for updated statements. I never received any updated statements. Once I paid the {$600.00} I stopped sending payments. Some months later I got calls from collection agency. I told the collection agent I was n't going to pay because I had already paid and talk to XXXX XXXX 

Dates of XXXX XXXX XXXX XX/XX/XXXX Date of XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CO).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I had a horrible experience with Discover Card. I have been with Discover Card for almost 20 years. Have never been late with a payment. I had a scammer put several hundred dollars worth of expense on my card. I called Discover Card for some help. Again, Discover Card did not have my back. This has happened before and Discover Card did not help me. I sent in two online payments like I normally do and twice the payments went through online but Discover Card told me that they did not accept the payments. {$750.00} worth of payments did not get accepted by Discover Card. When I called Discover Card they told me that I have now gone to 'Collections ''. Even though I sent in my payments online and online I was told that the payment went through, Discover Card told me that they did not accept the payments in a phone call that I made to Discover Card. I then asked for a payoff balance and told them to give me the exact amount as I did not want to receive another bill from them later saying that I still owed money to them. I was given the amount of my account which was in the {$9000.00} range. I immediately sent in the payment online and the payment was accepted online. I now just received a bill from Discover Card saying that I still owe {$110.00} interest payment. I payed the amount given immediately after it was given. Why do I still owe interest? Discover Card has been stealing money from me for years and they liked it so much that they do not want the ride to end. Please check into this as I intend to continue to complain until something gets done to help me look into how Discover Card has been ripping me off for years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (WI).
Issue: Fraud or scam

Complaint: I believe paypal is scamming me. A few months ago I made some purchases on ebay and used PayPal to purchase items. After quite a few purchases I started receiving bills in the mail from PayPal for paypal credit. I did not sign up for this service and expressed that to them but all they would do is cancel the service. My bills from them are stacking up. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: They have me living in XXXX XXXX XXXX, Il and I have n't lived there since I was XXXX years of age. My last XXXX years have been in XXXX and XXXX. I have been a registered voter in those states for those years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I joined XXXX fitness in XXXX/XXXX/XXXX at the XXXX location in New York. I was in the process of moving XXXX when I join the jim, The apartment was completed until XXXX of XXXX. I went back to the jim In the month of XXXX XXXX and paid my fees in person. The next time I went to the jim was in XXXX of XXXX to pay my membership Fees and was told that my account was closed. I was told that in order for me to maintain my membership I had to payoff my old account and then reopen a new account. I did what was requested, I further requested to pay for the entire year. 
During XXXX I ran my credit and discoverd that XXXX fitness through FIRST CREDIT SERVICES. I contacted this company and I was told that I have to paid my pasdue account which is a total {$240.00}. I told the credit company that it is imposible to have XXXX active accounts. I emailed my proof to show that my account was current. XXXX FITNESS CLAIMED THAT I HAVE TO PAY THIS ACCOUNT IN FULL ALTHOUGH I HAVE PAID MY ACCOUNT FOR AN ENTIRE YEAR. THIS IS MY ARGYEMENT 1 : I PAID FOR MY JIM MEMBERSHIP FOR 1 YEAR. 
2 : XXXX FITNESS CONTINUES TO BILL ME FOR THAT ACCOUNT THAT WAS CLOSED. 
XXXX : I XXXX XXXX HAVE XXXX SIGNED CONTRACTS. XXXX IS ACTIVE AND XXXX IS IN COLECTIONS AT THE SAME TIME MY MEMBERSHIP IS PAID IN FULL. 
4 : I MADE SEVERAL ATTEMPTS TO HAVE XXXX FITNESS PREPARE A LETTER FOR ME EXPLAINING THAT THIS WAS A PROBLEM WITH XXXX FITNESS NOT ME As of today First Credit Services is reporting a collection account on my credit. I have never authorized XXXX Fitness to access my Credit Profile. I think this act is illegal and I am requesting a FULL investigation onto this matter. 
I was told by XXXX that this will stay on my credit record for the next 7 years.. I should not be suffering due to XXXX fitness employee mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern ; Back in XXXX or XX/XX/XXXX we applied for XXXX of those Making Home Affordable loans with Wachovia which is Wells Fargo now, because me and my husband, both lost our jobs. Those loans were supposed to be 30 year fixed loans and the usually reduce your principle balance so you will have a smaller payment that you can afford. Well first they said we did n't make enough money, so we had to add my daughter 's income to show more income so they would approve us, because I was on unemployment. And then when we finally got temporary approval, first we had to make XXXX payments on time and then it was made a permanent loan. Well to start with our payment before we got this loan was about {$910.00} after our temporary loan was approved, our payment went up to {$1000.00}, starting on XX/XX/XXXX, then XXXX payment on XX/XX/XXXX and XXXX payment on XX/XX/XXXX, so our payment went up instead of down, they did n't reduce our principle balance like they should have so our payment would be smaller, that was the purpose of the Making Home Affordable loans, but that never happened. Plus it should have been a 30 year fixed, but it was n't because we just noticed that in XXXX of this year our payment will increase and again in XX/XX/XXXX it will increase again. I do n't know if you can help us out and do anything about it since our loan was done wrong, because it did n't make the payment affordable to us so we could pay it ourselves, so for now my mother in law pays our house payment for us because we ca n't afford it and she does n't want us to lose our home, but she ca n't do that forever. We need to get this loan corrected the way it should have been. Because my sister that lives in XXXX, CA got a Making Home Affordable loan last year in XXXX and they reduced her principle balance and her monthly payment went from {$1500.00} a month to {$500.00} a month, that 's the correct way it should be done. So can you please let me know if you can do anything and help us to get our loan corrected? Please help us out if you can!!!!! Let me know what info you need from us, if you can help us. Thanks!!! 
Sincerely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Reference back Case : XXXX and XXXX. On XXXX XXXX ,2017 I call customer service stating, I have not receive my XX/XX/XXXX Statement, Which the cycle ended on XX/XX/XXXX. I also complain about my payment due and why it still high calling the automative system. So the customer service person said she will sent another statement out, Now it Saturday XX/XX/XXXX no statement but my neighbor receive her statement on XX/XX/XXXX she have account with Synchrony Bank and live next door. So I really want to know was a statment sent out. My address is still the same from case XXXX. I really do no know why this company is given me a hard time, I just want everything fix and corrected and back to normal.

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 01/13/2017 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (NJ).
Issue: Managing the loan or lease

Complaint: Case number : XXXX This is the submission of XXXX XXXX disputing the response " Explanation of closure '' of JPMorgan Chase Bank NA of XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Credit card) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Enhanced Recovery Corp has been unscrupulous in their dealings with me. They submitted a claim on my credit reports for the amount of {$830.00} for XXXX. Mind you, this debit is almost 5 years old and was from an account set up from an unknown location. Before inserting their claim as a collections on my credit reports, they have to date provided absolutely no documentation, nor have they tried to contact me. They have also not validated this debit as mine. 

I have been a resident of Florida all my life. When trying to contact them, my calls are either not returned or they simply do n't answer my questions. This debit is fraudulent and I have advised the credit bureaus of this. However, Enhanced Recovery has been un responsive and I am beside myself. I demand that they remove this collections from my credit bureau reports immediately. 

Thank you in advance for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My loans were distributed on XX/XX/XXXX in the amount of {$160000.00}. Loans were from multiple sources for my XXXX at XXXX University and XXXX XXXX at XXXX XXXX XXXX. They were consolidated into 2 accounts by NAVIENT for repayment. My current balance is {$190000.00}, which is an increase from my original loan, even though I have made payments. As of XX/XX/XXXX, I have made 58 payments to NAVIENT totaling {$45000.00}. After 58 payments my balance has not gone down, but up. This did not make sense, until I exported my payment history into a spreadsheet to figure out how this is possible. As I looked at the math on the spreadsheet, it became clear that out of {$45000.00}, only {$8700.00} went towards the principal, {$34000.00} went towards interest, and {$1300.00} went to late fees. The other shady part of this loan is that during the times I asked for student deferral while in class, NAVIENT would not only charge me interest, but also capitalize it. Which really means double dipping. Basically any amount late after 30 days was added back to the principal loan amount. For me thats {$36000.00} that was added back into the loan balance. Remember my paid in amount of {$45000.00} ; {$34000.00} interest and {$1300.00} fees= {$36000.00}? Notice how even though I paid {$36000.00} in interest and fees, they then took almost that same amount {$36000.00} and added that back into the total loan balance. This is the magic behind a balance increase even after 58 payments were made. Basically Im running on a treadmill backwards, if that makes any sense. No lender should be able to do this and especially without informing customers of this practice. Stuff happens and I can understand a late fee here and there, but to turn that late fee into a 120 % win-fall is ridiculous. 

Also I was not in an income driven payment plan from the beginning, I just found out about that on my own, doing research. NAVIENT put me on a payment plan with lower monthly payments, but I would be paying until the year XX/XX/XXXX. I just changed it myself and saved myself 15 years and $ XXXX. This is unfair to have no choice in the loan servicer the government provides and for NAVIENT to be able to take advantage of students. How do I get out from underneath their control and not lose my federal student protections? The capitalized interest {$36000.00} should be removed from my loan balance, this is not fair, it is a fee on top of a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (I do not know) with CBA of GA, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been trying for a while to validate an item that they are wrongfully reporting on my credit history. I have been very clear about the information I need but have n't received the information I requested. I do not have a contract with them nor the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Billing disputes

Complaint: Chase Credit card 's XX/XX/2015 statement showed with XXXX unauthorized cash advances and fees ( appx {$3300.00} ) which we never authorized. This was noticed in XXXX itself while accessing my account online. Immediately reported and had my card put of hold/cancel after talking with chase credit card services and fraud department. We have tried to have credit card company ( CHASE ) remove these fraudulent transactions on our account but every billing cycle them keep putting it back!

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MO).
Issue: Fraud or scam

Complaint: pay pal randomly closed my account and withholding my funds. When asked they would not give any answer why account is not completely closed. I do not want my account and financial information to be available for everybody to see.

Company response to consumer: Closed with non-monetary relief