milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: Another discrimination case proving Wells Fargo XXXX is Highly Opposed to People on Fixed Incomes who are also XXXX. I logged on to wells fargo.com whereby my husband wrote a secure email REQUESTING A REPLACEMENT Check/Debit CArd because his strip does not work and card is physically cracked. The wf c/s rep.did not read correctly the message so she ordered me a NEW card in ERROR. I tried writing to this rep to explain her error, but she still did not understand. How sad. Then a different rep contacted me telling me my husband had to request the card himself. I wrote back and told him, MY HUSBAND did request it himself ; he would understand that if he read it English. Then he tried to tell me my husband has to submit the request by logginin online himself. In our house we all use same email, and same login for wells fargo for allof our accounts. So Sorry if he does not like the way we handle things, but that 's how we choose to do business, and we have NEVER been told we could not do things this way. 
See documentation of back and forth communication via secure online email. The last emails I do not have a copy of but wells fargo XXXX does. Finally we got a change to stop by the local Wells Fargo bank at XXXX mall to have him in person request it. XXXX XXXX waited on us and she checked online notes in system, NO ONE EVER ORDEREDhis replacement check/debit card. So gave him a temp card, plus ordered replacement. When my new check card arrived XXXX ) which was ordered in ERROR, my ATM w/d limit is {$510.00} and my daily pos limit is only {$1500.00}. When XXXX check/debit card finally arrived XXXX the ATM w/d limit is {$310.00} and HIS daily XXXX limit is {$2500.00}. Wow our account together barely gets used for {$300.00} per month. Yet my checking account which ends in XXXX is seeing transactions per month in excess of {$2000.00}!! So why is my POS daily limit so low and ours together is so much higher???? More discrimination proof. See my other Auto Refinance Loan Case Currently OPEN with Consumer Protection Bureau. see attached documentation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Mortgage (Conventional fixed mortgage) with HUNTINGTON NATIONAL BANK, THE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage originated XX/XX/XXXX with XXXX XXXX - XXXX XXXX was paid off through a refinance with the same bank XX/XX/XXXX. The mortgage filed XX/XX/XXXX book XXXX page XXXX was never released. XXXX XXXX was eventually acquired by Huntington Bank. Requests for the release have been made via e-mail on XX/XX/XXXX and on XX/XX/XXXX, the requests included the title search showing the old mortgage as well as the HUD-1 showing the payoff. When I spoke with Huntington 's customer service on XXXX I was advised that all items submitted through XX/XX/XXXX had been completed. I re-submitted to the e-mail address they verified on XX/XX/XXXX. I spoke with them again today and keep being told there is no incoming phone line to their paid release department so the can not answer my question as to where is the release or what other information may I provide to assist. Really, no incoming phone lines to a department in a bank? 

Mortgage customer service tells me they can only go by the messages they receive from the paid release department advising them of the submission dates that have been cleared. I have a Home Equity line with another bank that is expiring and the lack of release is precluding us from going forward with a new line. The title company, XXXX XXXX that handled the remote closing ( in my dining room ) is no longer in business. Attached you will find copies of the HUD-1 and additional documents from the refinance that paid this loan, as well as a portion of the title search showing the unpaid lien.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a XXXX Account for many years and have existing Investments through them. I moved to Hawaii in 2003 and there were no XXXX XXXX Locations in the State. Finally I had to close my account and open a local Bank of Hawaii account. 

I moved multiple times, always forwarding mail to my new address, however at the time I closed this account, I never received any late fee notices or contact via telephone or email. I submitted a letter to close my account and paid off the entire balance. There were absolutely No Late Fees I was made aware of at anytime. 

The amount disputed is {$15.00}, I have contacted XXXX locally in XXXX and Nationally, There is no account number they can provide me with, nor any details regarding this late payment. Ultimately, there is no proof I was late in payment and after multiple efforts contacting XXXX XXXX, they have not removed from small late fee from my credit history. I never even knew it existed until I checked my credit report history. 

Please advise on how I can dispute this and I 'm happy to comply in anyway to remove this from my record because I 'm fiscally responsible and am always on time with payments. 

Thank you for all your help in this situation, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Payoff process

Complaint: I applied for a credit card to purchase an XXXX XXXX through XXXX XXXX. I have made payments towards the card, just recently, I was charged accrued interest. This interest is causing financial hardship. My intention was to pay the card off within the alloted time, however, financial hardship prohibited me from doing this. My brother XXXX in 2012 and as a result, our family is sustaining financial hardship. My mother is attempting to remain afloat but the loss of his income has now had an impact on my mothers finances. All savings have been depleted. As a result, I have had to contribute financial support to my mom in order to meet everyday expenses. I have only XXXX credit card and this is with Barclay. I am hoping that Barclay will note that I have made the payments as required and when I have the ability, I pay more than the minimum payment. I would like to continue to maintain my credit card with Barclay and look forward to expanding a financial relationship with them. I am only XXXX years old, but due to the XXXX brother have now had to take on added responsiblities. Any compassion on the part of Barclays would be met with very much gratitude. I honestly did not know that the interest was going to be added or I would have made bigger attempts to pay a larger dollar payment. Thank you again for your understanding of my financial hardship.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, Equifax continues to provide inaccurate information by reporting an account listed as : "  XXXX   XXXX   XXXX  '' in the amount of {$570.00} twice as derogatory ( collections ) on my account. This is the same account listed twice and is not mine. The reporting of this inaccurate information not once, but twice on the same report has resulted in lower scores and financial loss for me.  <P/> Additionally an account listed as  XXXX ,  XXXX  for {$100.00} has been reported and investigated in the past and still reports even though Equifax has been provided with proof of paymen t ( re ceipt to   XXXX   XXXX   for {$100.00} ) showing their subscribe r (   XXXX ,  XXXX   )  is proving false and inaccurate information. The information can be confirmed with Billing at  XXXX   XXXX  at  (   XXXX  )  XXXX - XXXX  Attn :  XXXX   XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I submitted a complaint on XXXX/XXXX/15 about transworld systems reporting a erroneous collection account on my credit. Per federal and state laws the burden falls on the debt collection agency to validate the debt and if they can not then the account must be removed. Based on the response from transworld systems they are unable to very that I owe a debt and requires more information. I have already supplied name, address, date of birth, and social when filling out the complaint as well as list the masked account number that was visible on my report. How can this be proper reporting when they basically wrote back saying they do n't know who I am. See previous complaint below. 

XXXX/XXXX/15 Transworld systems Inc. Is reporting on my XXXX credit report and I have no knowledge of this item. I never received the notice of the right to dispute from. the company and this item needs to be removed from my XXXX credit report immediately. This same company was duplicating reporting XXXX accounts. XXXX account was removed yet this debt was never validated and I did n't receive proper notices.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Freeze placed on credit report with Equifax ; written letter with handwritten signature, copy of driver 's license, PIN to unlock freeze, listed handwritten date of birth, social security number and credit card number/expiration date with consumer name and billing address for associated temporary lift fee submitted via USPS certified mail XXXX/XXXX/XXXX with instructions to temporarily remove freeze from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX, mortgage company given permission by consumer to access credit report states security freeze remains. Attempt to remove credit freeze via telephone system by consumer also denied and recording indicates can not be completed via this method. Certified mail receipt # XXXX XXXX XXXX XXXX XXXX to XXXX. XXXX XXXX, XXXX, Georgia XXXX, indicates Equifax received written request XXXX/XXXX/XXXX. Upon looking at Equifax website for a former dispute, freeze remains with statement of 'legislative security freeze in place ' ( see photo ). Not only was written request submitted and received, but Equifax CONTINUES to not follow written request and deny consumer the right of allowing lift to be placed and removed upon her discretion. Consumer feels Equifax is purposely withholding credit report as a form of retaliation to consumer for filing complaints with CFPB due to their reporting practices and has placed consumer 's file in " Special Handling '' services.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On Thursday, XX/XX/XXXX, my Navy Federal Credit Union Checking account, at XXXX CST showed an adjustment for - {$260.00}. No check had shown to be pending or posted. All that was shown was the negative adjustment. The next day, Friday, XX/XX/XXXX, my account showed a deposit made by my employer for {$270.00} before the very same adjustment of - {$260.00}. With the negative {$4.00} charge I had in my checking account the balance equaled {$0.00} on Friday, XX/XX/XXXX. I called Navy Federal to ask why they adjusted my account before the funds were even deposited into my account. After being very curt, dishonest, and rude, they said that the adjustment was n't made until overnight processing, early morning Friday, XX/XX/XXXX. This was not the case as I checked my Navy Federal account on Thursday and saw the adjustment made before overnight processing had begun and before funds were shown as posted. I requested today, Monday, XX/XX/XXXX to have an internal audit with time stamps showing each transaction as well as call logs and notations made to be given to me and they said I would have to subpoena them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Payday loan) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone stole my information and open an XXXX account, they receive the funds. My XXXX account was close do to this problem of balance check and Identity Theft. I do not know how this happen I explain this to the XXXX at the time I realize there was a problem with my account. I have dispute this account with Midland Funding several times and they refuse to move this off my credit report. I have open an Identity Theft Report the number is XXXX with XXXX County. The Midland Funding account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hi my name is XXXX XXXX and I am writing because I have a 30 days late payment on my credit report. I spoke to capital one about it and I didn't know that my payment was returned on XX/XX/XXXX. I was not notified and I have always been a value customer paying my bills on time. The late payment hit my credit report and know my credit score is affected severely. I need help please if you can please forgive me and give me one more chance I promise I will not mess up. Im only XXXX and still young and I know i slipped up once but I won't again I don't want to suffer for 7 years. Also a Representative said he disputed it. I hope you read this and help me. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (NY).
Issue: Settlement process and costs

Complaint: My husband and I refinanced a loan with XXXX XXXX XXXX using Quicken Loans as our new lender. This was a XXXX loan executed in NY. Our closing with Quicken was on XXXX XXXX. I received the updated closing packet from Quicken on XXXX XXXX, two days AFTER the loan closed which meant I had no accurate documents to review that referenced costs. At the closing we were told we owed a check to XXXX XXXX which is an affiliate of Quicken ( apparently Quicken controls the title company and the appraising company on their loans and sends a disclosure for same ) in the amount of {$570.00} for interest which I thought was odd since there should have been enough money available to cover all costs ( and the closing documents we did receive stated we would owe {$160.00} ). We cut this check for {$570.00} at the closing. When I received the proper closing package on XXXX XXXX, two days AFTER the closing, I sat down to prepare a closing statement and realized what went wrong. Also, please note no copies of any checks cut by us or by the lender at the closing were provided. Quicken had used the calculation on the XXXX XXXX XXXX payoff for the final day of interest. So even though the loan closed on XXXX XXXX, they used XXXX XXXX to calculate interest owed. This was not necessary but would not have in and of itself been an issue because XXXX XXXX XXXX would simply refund the overage when reconciling the escrow account. What happened next however was the basis of this complaint. In short, the following transpired : Quicken closed our loan without us having documentation on XXXX XXXX. Quicken considered their loan closed on XXXX XXXX. Our payoff check was not received by XXXX XXXX XXXX until XXXX XXXX. A maximum of TWO days is industry standard for funding a " same day loan '' ; not XXXX. Quicken 's process took eight days to get a payoff check to our prior bank resulting in us having to pay an additional 6 days of interest to same. Meanwhile Quicken considered their new loan closed on the XXXX. And so, we exert the following : Our Bank of America Loan cost us {$130.00} in interest per day. XXXX X XXXX = {$830.00}. This is the sum that Quicken owes us. Quicken mailed us a check for two days interest in the amount of {$270.00}. We stopped the check for {$570.00} representing interest to their affiliate XXXX XXXX upon receiving the proper closing packet two days after the closing. XXXX + XXXX = {$850.00}. By our calculation we now owe Quicken XXXX - XXXX = {$24.00}. We offered to send a check but were told by Quicken that this would not be acceptable and that they would be addressing the issue with their legal team. We have now filed this complaint in response to same. Attached you will find all supporting documentation. We also have an email chain reflecting same.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I worked very hard to get my private loans paid off and my federal loans consolidated with XXXX XXXX, and to keep myself in income based repayment. As soon as Navient took over, they continue to put me in forbearance and/or deferment even though I qualify for both income based and public service forgiveness. Because they have not held the interest during forbearance, by interest now comprises half of my total debt to them. I have made many good faith efforts to fix this, all to no avail, and have resorted to hiring a law firm. Navient should pay my legal/document preparation fees.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Student loan (Non-federal student loan) with Genesis Lending (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a geniesis loan I did not recieve a decrease on this loan I talked to geniesis they said I do not qualify for it. Then I found Out that they sold my loan and its called XXXX and geniesis is just servicing the loan. XXXX MI XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: I was shopping at Macys and the sales associate asked if I wanted to sign up for a Macys card in order to save 20 % on my purchase. When I asked if the Macys card was a credit card the sales associate said no. After inputing all my information I was informed that I signed up for a credit card. I never wished to open up an additonal line of credit and I never received the 20 % discount that Macys promised would be given, which I insisted on because I did not wish to receive the benefits of having this card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/30/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery Associates. Amount : {$540.00} Company has not provided me with any viable evidence bearing my signiture for this debt. Please remove from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This specific XXXX Account # XXXX ( Credit limit of {$2600.00} ) Should be deleted from my entire credit profile. XXXX has requested the deletion but the Credit Bureaus have been dragging their feet with getting it deleted and this is slowing up my New Home/ Mortgage loan approval. Please have it deleted so i can move my family into our new home. Thank you in advance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: collection agency called my former employer, claiming to be with the XXXX XXXX XXXX XXXX. Said that they were going to send an officer there the next day to serve me a subpoena if i did n't call them back in the next 15 minutes. When i called, the person answered " corporate office. '' I asked him what company he was with and he refused to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (I do not know) with Accelerated Financial Solutions, LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is attempting to collect funds from me over a debt that is not mine. I have never signed a contract with this company and have never heard of them. They are reporting to the credit bureaus a collection in the amount of {$3600.00} that was opened XX/XX/2017. This is NOT my debt and this collection is causing a huge impact on my credit score/file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax continues to report a collection account from  XXXX   XXXX   XXXX   XXXX  in the amount of {$35.00}. I have contacted  XXXX   XXXX   XXXX   XXXX  and resolved the account directly with them as documented by the attached proof of payment. I subsequently disputed the account with Equifax, however, Equifax continues to report the account with a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I was not notified that my student loans were due back, and it has now affected my credit greatly. These loans are low balances that I have no problem paying back, but I would like to discuss a possible dispute with payment? My credit score that I 've worked very long for has dropped over  XXXX  points because of something preventable. Thank you

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