milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2016 about Mortgage (Conventional fixed mortgage) with PROVIDENT FUNDING ASSOCIATES (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Provident Funding. I made an online payment and I entered my account number wrong by one digit which I did not know until I asked them to verifiy what I entered. I called to find out why my payment was not processed and no one could help me correct the issue. The 3 people I spoke with told me I had to wait for an email before it could be corrected ( including 2 supervisors ) and I was going to be charged an NSF fee because it 's my fault not Provident Fundings. This is not a matter of NSF, I entered an incorrect account number by mistake ... .the 1st time in 9 years!! Everyone that I spoke with at Provident was SMUG, XXXX and showed not one bit of EMPATHY. I do n't see how they have any customers ... ..I am actively looking now to finally refinance. I guess I should send them a thank you card for being just as rude as can be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I attended International Academy XXXX ( XXXX ). I 've graduated but have struggled to find a job in my field. 
My Private loan is now being serviced by Navient. Acct # XXXX was on a payment plan of XXXX per month which my wife and I were paying. However, in XXXX the payments spiked to $ XXXX. 
I called Navient today with my wife to provide all the necessary information to try to obtain a lower payment. The representative asked for our income and bills and we provided it. 

She then proceeded to say that we did not qualify for a lower payment, and that it was our fault for getting a more expensive car this year. She offensively said that we were not managing our finances well and that it was our fault we could n't make the payments. How dare she say this when she does n't know or even asked why the payment went up. Our other car broke down and we still owed XXXX on it, and we had to absorve that debt into the new car payment. XXXX We were helping him and his wife financially because she was pregnant and delivered on the same day XXXX 
This representative spoke to us with hate and a demeanor of discrimination because I have an accent, which is why I had my wife help me speak. She yelled at my wife and talked over her screaming for over a minute. We requested a manager and the manager basically did nothing. I asked for an apology from the individual and he refused. I told him that the way they were speaking to consumers was incorrect and I was going to file a complaint. They XXXX said go ahead, file whatever you want to file. I asked the manager to pull a copy of the call so he could hear all the disasters said by the other rep but nothing was done. 
At this point, after reviewing that my loan was XXXX initially and it is now at over XXXX, I 'd like a recalculation of all the money owed. I am almost positive it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: once again synchrony has not or refused to understand that my id was stolen months ago and they would not do anything about it I filled and called the police about it. this bank refuses to do anything. I told them that lowes the store that has the card with this bank told us at a store in XXXX Indiana that someone stole it. we had our house robbed and they stole my id. we done everything right had are with XXXX XXXX XXXX because of what happened I have not gotten a bill from synchrony bank at all about the account. they told XXXX XXXX XXXX that they could not find any of the accounts. they know we have been with them because they talked to them about other accounts and was going to the fraud department. that they would get in touch with XXXX XXXX XXXX. there for it will be looked after. XXXX XXXX XXXX who I talk to a XXXX and a XXXX from sychrny bank said there was no other accounts under the XXXX store that she thought maybe they went to the fraud department at the bank .there foe she told them and I that there was no way of tracking it down. 
then today XXXX/XXXX/XXXX I get this from XXXX XXXX XXXX XXXX. synchrony bank never sent us or XXXX XXXX XXXX that they turned it over how could they if the girl could not find it. they new 19 months what was going on. now this it was sold to them last month on XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I am an HSBC customer with a personal checking account, savings account, and credit card connected to the account. At the end of XXXX, my account was hacked, monies withdrawn and paid to bogus vendors ( the vendor name was one I have in my files but there was no information on where the funds were transferred to and no record of the transaction. The real vendors did not receive any of these funds. When the balance of my account was drained, the culprit then started to use the credit line on my credit card, transferring monies into the account to be fraudulently transferred out. It took a lot of wrangling and almost two weeks from the time I discovered it to get HSBC to refund the monies to make my account whole and generate a letter to explain the bounced check from my account. The transactions were suspicious to begin with, but they did not notice it at all. In filing all the paperwork to report the fraud, one step I was told to take was to report it to the local police. I went to the police precinct and was told they need a report from the bank in order to investigate. I have not been able to get such a report from them, which seems to me would be routine. I 've made multiple phone calls to the XXXX headquarters, fraud dept., and was told to see the manager at my branch, who tells me she has nothing to do with that part of the process and ca n't help. While I have been repaid, it is an outrage that this bank ca n't - or wo n't - or does n't have to file such a report. I am sure I am not their only customer who has been hacked ; unfortunately, it 's now a common practice. In order to trace these kinds of activities, investigators need such information, but HSBC refuses to give it. I would appreciate any help you can offer and urge you to ensure that HSBC follows the regulations. If there are no regulations that would mandate that they file such a report, there should be, and I would like to know that as well as I will be happy to start writing letters etc. to change the rule.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following inquiries was supposed to been removed and is still showing. This is on my Experian report which I pay monthly for. 


XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX date XX/XX/XXXX-Removal date All Banks - non specific XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX-XXXX XXXX XXXX XX/XX/XXXX-Inquiry date XX/XX/XXXX-Removal date Bank Credit Cards XX/XX/XXXX, XXXX XX/XX/XXXX BYMAILONLY

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 11/25/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (MN).
Issue: Trouble during payment process

Complaint: 1 ) XXXX XXXX indicated that my last mortgage modification would bring my loan current to XX/XX/XXXX. My loan was brought current to XX/XX/XXXX. This was escalated for resolution and has yet to be resolved. 

2 ) I wrote a letter indicating issues with my mortgage modification and that I wanted to proceed with a Bayview in-house modification, and I sent in the request for resolution within 30 days after signing ( the instead offered and accepted HAMP mortgage modification ) documents to indicate issue. This has yet to be resolved. 

3 ) I sent in all documentation requested of me by XXXX XXXX ( and XXXX XXXX ) and communicated regularly with employees at Bayview Loan Servicing to indicate my intention to avoid foreclosure. I have complied with sending any and all documentation requested to qualify for work out options. This has yet to be resolved as work out options have not been communicated to my attorney ( to the best of my knowledge ). 

4 ) XXXX XXXX told me in recorded phone conversations that I would be eligible for a repayment plan, and then would n't get back to me until after my mortgage was referred to foreclosure attorneys at XXXX XXXX XXXX XXXX XXXX attorneys, resulting in thousands of dollars of extra fees that included payments due that were to be deferred in my principle balance, and then authorization was given twice to proceed with scheduling a foreclosure sale of my home. This is dual tracking in Minnesota and extremely poor business conduct, which has led these issues being addressed today. 
I am submitting this complaint to indicate that I am still trying to resolve these issues. 

5 ) My attorney has requested all work out options available to me from Bayview Loan Servicing,  and has yet to receive these options, to the best of my knowledge. Please send them. 

6 ) I am trying my best to work with Bayview to collaboratively avoid foreclosure, which has been my stated intention all along. It is in the best interest of everyone involved to avoid foreclosure of my home. I request resolution of these complaints and ask for any and all assistance. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Hello, Please remove the following from my credit report. The address XXXX XXXX XXXX XXXX  XXXX and the cactus address from my credit file, I never lived in XXXX Arizona. Please delete the XXXX XXXX address I never lived in XXXX. 

Thanks

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 08-05-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (AL).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: I have a American express prepaid gift card and the same day I got the card the card was used. I tried working with the company that made the charge and go no where. Then I tried to work with American Express and they wont help me even tho theres a police case. Every other gift card company like XXXX and XXXX offer help to get your money back but American express do n't care about you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (AZ).
Issue: Trouble during payment process

Complaint: reverse mortgage solutions is refusing to return a home insurance check issue on my Name and the mortgage company that was issue do to repair a kitchen zinc water leak that destroy the kitchen cabinets, unless the contractor furnish a XXXX, which the contractor being a big corporation denied having heard of such request before, so the contractor could not issue the IRS form XXXX. 
so the check is in their possession for more than 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Wrong amount charged or received

Complaint: An international transfer ( XXXX to XXXX ) took place ( XXXX XXXX, 2016 ) resulting in a {$4900.00} deficit in the amount deposited. Our XXXX lawyers said that there would be a $ XXXX bank charge and nothing more. XXXX XXXX XXXX XXXX said there would be no fee. 

When I asked my XXXX bank, XXXX XXXX XXXX XXXX, they said, first, they could not see what the exchange rate was ; then they said the transaction went through Bank of America and they would try to find something out but that it would be unlikely that they would get a response. I asked to speak to their compliance officer. She was out, but the gentleman from the accounting dept., then called me later with an update saying that I should file the complaint and that he had the incoming wire detail and that he would send that to customer service agent at my local branch, but that there was nothing new/more they could tell me. During my call with the gentleman from the accounting dept at XXXX, shared with me that it looked like the exchange rate applied was XXXX. I asked him if that was the correct way to apply the exchange rate and he said he did not wish to get involved. He was helpful and it was obvious that he was very nervous about making a mistake.

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 07/13/2017 about Debt collection (Other debt) with Colony Brands, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: While reviewing my credit report onXX/XX/XXXX, I noticed a closed account from Swiss Colony/XXXX with a balance of {$110.00} that did not belong to me. I disputed the account with all 3 credit bureaus and in addition, onXX/XX/XXXX I sent in an affidavit along with the claim to the creditor itself. On XX/XX/XXXX, I called the creditor to inquire about my claim and was told I would be contacted within 15 days regarding the claim. I have yet to hear from the creditor in regards to my claim, but I have contacted all 3 credit bureaus and have been told that the creditor has reported the accounts to be verified. The creditor has not provided proof of ownership the account, and I have learned the creditor has recently reported bogus addresses to XXXX that do not belong to me which is illegal and improper practices.

Company response to consumer: Untimely response
Consumer complaint received 01-11-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Unauthorized Charges made to my account : DATE NAME PHONE # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$68.00} XXXX/XXXX/XXXX XXXX XXXX DE {$41.00} XXXX XXXX/XXXX/XXXX XXXX  XXXX CA {$68.00} XXXX XXXX/XXXX/XXXX XXXX XXXX WY {$41.00} XXXX XXXX/XXXX/XXXX BCELBCUSTLN XXXX CA {$68.00} XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$68.00} XXXX XXXX/XXXX/XXXX XXXX XXXX AK {$41.00} RECEIVED CHECK FROM CITI BANK XXXX/XXXX/XXXX {$170.00} FOR AN UNAUTHORIZED CHARGES MADE TO OUR MY ACCOUNT. 
XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$89.00} XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$44.00} XXXX XXXX/XXXX/XXXX XXXX XXXX FL {$86.00} XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX {$79.00} CONTACT WITH ONE STATED THAT THE UNAUTHORIZED CHARGES COULD NOT BE REMOVED BUT THEY COULD BE CANCELLED? NO CALL WAS MADE TO AUTHORIZE THESE CHARGES, THEY JUST APPEAR ON OUR STATEMENT. 
WE ARE AT A LOST TO REMEDY THESE CHARGES BEING MADE TO MY CREDIT CARD ACCOUNT.

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 03/27/2017 about Prepaid card (Gift or merchant card) with Blackhawk Network Holdings Inc. (SC).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased a {$500.00} prepaid XXXX gift card. I used that gift card to pay part of the cost of XXXX computers from XXXX. I subsequently returned the computers to XXXX as it I was able to find some better computers at a good price from another merchant. When XXXX processed the refund for my computer, they applied the entire refund to the {$500.00} gift card, which was {$980.00}. Upon doing that, the gift card company blocked the card so that I can not access the money. I immediately contacted them and was told to send in a receipt from staples showing that I had returned the computer and they would unblock the card in XXXX to XXXX business days. I immediately sent the receipt to the gift card company. This was on XX/XX/XXXX. The gift card is still blocked as of today ; XX/XX/XXXX. I have repeatedly called the gift card company and they now refuse to give me a time frame for when or if they are going to unblock my card. I feel it is not acceptable for this company to withhold {$980.00} of my money from me for such a long time for no apparent reason. Furthermore, I told them I wanted to send a letter of dispute to their company so that I could later file for arbitration, as per their terms, they have 30 days to respond to a dispute. They told me I am not allowed to send in a dispute since my card issue has not been resolved. By that logic, they could keep my money locked away for 20 years! Please help me hold this company accountable for their actions and give me my hard earned money back! I need that money to pay bills for my family. This company also told me they would not be paying me any interest for the money they are with holding from me against my will. 

The Gift card number is : XXXX I have attached a copy of the return receipt from XXXX. You can see where the refund was processed back to this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid as soon as I closed the account. This should have never been sent to collections. I have contacted Receivables Performance Management on several occasions. I was told this would be removed from my credit report, but it 's still reporting. This could potentially cost me a lot of money in excessive interest. I need this corrected. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Malcolm S. Gerald and Associates, Inc. (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I asked XXXX XXXX XXXX company to cancel my subscription, that I did not realize I had gotten into. I was being charged {$49.00} for magazines. I would not agree to this price. Company stated that I could not cancel and that they would not send me a hand copy of the bill so I could make payments without my credit card being charged. Representative stated that I could not cancel my account and the only thing they would do is send me to collections. The representative asked me if I wanted them to cancel the account a second time and if I wanted them to send me to collections. I stated no.Representative was rude and hung up on me. I tried to call back and the representative hung up on me again. They sent me to collections. I was also over charged, 2 payments were taken out in one month. I paid a total of {$150.00} for magazines that I did not know were ordered. The type of magazines were never discussed so I am getting whatever they want to send me. I received a statement saying that I am in collections and that I owe about {$1000.00} dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We were in the path of hurricane Harvey. We applied and was accepted for the disaster relief. TD Auto Finance ( TDAF ) felled to do the paperwork on their end. We have contacted them 7 times regarding this matter. Each time they say it will be correct within 48 hours ( 2 business days ). It has still not been corrected. This was in early XXXX, we were granted a 2 month extension. On XXXX XXXX 2017 they reported on my credit report that I am 30 -59 days past due. This decreased my XXXX score by 49 points and my XXXX score by 34 points. This has created another financial hardship on us ( we  were trying to buy a new vehicle ). Since the relief period, we have made two payments and bot times we were told the problem would be handled. Now this ... 
Now we are unable to get a good loan due to the incorrect reporting from this company. We are not trying to say we are perfect, we are not. The incorrect reporting hinders us greatly. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: This information is wrong on my personal information with Equifax. The following information : Equifax XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX I have never lived anywhere else in the United States but in ALABAMA and locally to XXXX, ALABAMA. This is not my address and I have no affiliation with anyone that lived there. Please remove this address from my personal file XXXX, I fear this my be related to fraudulent activity of someone trying to steal my identity. Please Remove. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I receive alert on my XXXX XXXX portal that XXXX , XXXX of XXXX XXXX, CT.XXXX Contact XXXX pulled my credit XXXX and there is XXXX hard inquiries on my credit report with XXXX , Equifax and XXXX. Why XXXX XXXX not reporting accurate information? Is this a Retaliation from my file Federal Government complaints against XXXX XXXX? There should only be XXXX inquiry from XXXX , XXXX not XXXX inquiries. XXXX hard inquiries is listed for XXXX XXXX,2017 My VA Loan agent only pulled my credit XXXX and she is with XXXX XXXX XXXX XXXX in XXXX, Florida. She is a excellent Military Veterans supporter and very experienced in credit matters.

Company response to consumer: Closed with explanation