milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: After years of paying this account now the payments are being applied to interest most of the time and this is different from previously.
Also, recently I was issued an insurance check by my insurance company for hail and wind damage ( see attached check ). Wells Fargo asked me to mail the check to them. The first time I sent the check I did not endorse it but sent it overnight express. This was in XXXX 2017. Wells Fargo sent the check back to in regular mail, I endorsed it and sent it back to them express mail overnight again. The check was to me via regular mail, my signature had been stamped Endorsement Cancelled. I thought it was because I had signed twice because I am the POA for my husband nd had to sign as his agent. I deposited the check into an a shared branch of my credit union. The check was put on hold for 7 days. Then I learned it was returned because Wells Fargo had stamped Endorsement Cancelled. When calling Wells Fargo again, about the same check it had been miss-logged and was attached with our other home. Speaking to XXXX I felt as if they did not even believe they had sent the check out a second time. Especially when I asked if they made copies of the front and back of the check. Now they know they made mistakes on the processing of this check which had to be cancelled by the insurance company and reissued. But here I the kicker, Wells Fargo still wanted to hold the new check in an account and issue increments because they were misinformed as to what the claim was truly for. They were working from the standpoint of mold but the check was issued for hail and wind damage. Now we are into over a month of the back and forth with the check and still Wells Fargo Wanted to control the process. It was not until my insurance agent was on the phone and brought out the fact the check was issued for wind and hail that the process was altered. Then Wells Fargo would not allow the check to be issued without their endorsement after all we have been put through on errors made by their staff. This company has taken money from our account, take monthly payments and applying the bulk of the payment to interest versus principle and now this ordeal with the insurance check. They believe after so many errors, they can say you can now take the check into a branch and have them call us and the branch can endorse the check. No one understands how this could have cause us problems because it makes it look as if we were trying to commit fraud because Wells Fargo cancelled our endorsement on the check that was issued by another financial institute issues to my husband and me from premiums paid to our homeowners policy from funds paid by us. I feel it is retaliation because I have filed so many complaints against this company.

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 03-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Select Portfolio Servicing sent me a repayment plan with outrageous terms in XX/XX/XXXX. They requested a monthly repayment of {$6600.00} per month for 12 months and a balloon payment at the 13th month for over {$40000.00}. This is extortion. They also provided NPV information with only XXXX items on it. The NPV had old financials from XX/XX/XXXX. They never contacted me to ask me if my income was still current. They also claim that both me and my ex-husband has the same XXXX credit score which is not true. They just pulled these numbers out of thin air and created some foolishness. They also are not compliant with the XX/XX/XXXX final settlement with XXXX and the Department of Justice. Even though that settlement agreement offers consumer relief SPS refuses to offer any consumer relief. They know their days of being in business are over. It seems as though they are trying to get as much money from homeowners as they can before they are forced to close their doors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Good afternoon, I got business loan from Bank of America 5  years ago. My financial situation changed ( got divorced ) and was trying to re-negotiate my interest rate and loan term. Bank refused to do that for 3 years now. Only put me on Forbearance.and makes my debt even worst. It is not possible to work with somebody there because they all the time changing representative. 
Now they threatening me to sue me instead to come to right solution. I do not want to file for bankruptcy, I love my profession and I would like to continue helping my patients. Bank does not understand that dealing with XXXX insurances is killing our profession. 
Please help! Thank you. 
Sincerely

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 08/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX of the addresses that show up on my TransUnion report are inaccurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Debt collection (I do not know) with NRA Group, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls demanding I pay {$43.00} for a book they claim I recieved from 'XXXX ' over 7 years ago. I do NOT have this book. I told them this more than once. They say I need proof I dont have the book. They call ALL the time. They are rude. I asked them to send me proof I owe this debt. They did n't. I do NOT have any books from XXXX. I think they are trying to scam me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My wife,  XXXX   XXXX  and I were married on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX  we became legally separated. During the period of our marriage we obtained a joint loan wit h One Main Financial.  ( At the time they were known as  XXXX   XXXX   ) On   XXXX / XXXX / XXXX  a  Consent Judgement Entry  was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for  XXXX   XXXX  's role on this account wi th One Main. Once I attempt ed to pay the account off, her signature was found to be required, because  XXXX  never signed the account over to me in sole ownership. A motion to show cause was filed, and  XXXX  was found in contempt of court, and is now the sole owner of the  One Main Account. One Main  continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through  XXXX   XXXX  as a result of this negative information and high balance being listed on my report, and  my APR went from  10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages fro m One Main Fi nancial which they can bill to  XXXX   XXXX  's attorney  XXXX   XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: I do business with XXXX I have reported them multiple times about fraudulently going into my account I called American express and told them I did n't give them authorization to go into my account on XXXX I did n't get paid til the XXXX how did they authorize a charge that I did n't say was approved before I got paid they have not given no answer and wo n't refund my money because they stated I do business with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Checking or savings account (CD (Certificate of Deposit)) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: On X/XX/2017 I opened a Certificate of Deposit ( CD ) account with XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. At the time of opening this account, the bank Assistant VP, XXXX XXXX, told me that the rate of the CD was 5.25 % and I could open a cash secured line of credit ( LOC ) for the same rate of 5.25 %. 

He told me this in order to encourage me to open the CD account, as I thought my money would earn interest and I still would have access to the same amount of money in the LOC account with the same interest rate. I thought that was a very good idea to do that. 

A week after I opened the CD account on X/XX/2017, On X/XX/2017, XXXX XXXX sent me an email saying that he had quoted me an incorrect interest rate, and instead of 5.25 %, my interest rate was only 3.24 %. 

I was very upset about this situation, and at that time, I wanted to terminate my relationship with the bank. However, I thought I was stuck since I had already opened my CD and if I wanted to pull my money from that account I would have to pay penalty. XXXX XXXX did not advise me that I could have closed the CD account without any penalty upon the disclosure of the correct rate. 

Recently, as I am trying to close this CD account, the bank refuses to do that unless I pay them a hefty penalty. I have involved the bank escalation process and they have talked to the regional manager, but the bank still refuses to close the CD account without penalty. 

XXXX XXXX XXXX is a fraud and he misrepresented the true rates of the CD and LOC to me back in XXXX 2017. Once that he had me locked down with the CD, he changed the interest rate. He made sure I could n't move my money and then he changed the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I purchased some XXXX and XXXX ( two different digital currencies ) through the Coinbase application on my XXXX phone. The digital coins were deposited into my account, and now the the coins can not be sent out to other digital wallets. Coinbase is effectively happy enough to take my money, but now it has been about a week and they still wo n't allow me to send the coins out.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This dispute was finalized and the creditor of the account has instructed Equifax to delete this entry from my account. It was opened fraudulently and is a causing a negative affect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX, I started an account with XXXX in order to begin my credit repair journey, they dispute collection accounts on your behalf.They sent my initial dispute on the validity of this alleged debt to XXXX XXXX XXXX I received a letter ( attached ) from XXXX   XXXX XXXX on XX/XX/XXXX, with no proper validation listed. I then sent my second written request for validation via USPS Certified Mail ( # XXXX ) on XX/XX/XXXX. Delivery confirmation was sent to me on XX/XX/XXXX. I have yet to receive any further correspondence with XXXX and it has now been more than the necessary 30 days.

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 09/23/2016 about Debt collection (Medical) with Credit Service Company, INC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Under Investigation of the New Mexico XXXX XXXX, the State has Frauded, Scamed and Made Theft of, a XXXX XXXX and XXXX XXXX. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed with all three credit bearues multiple times and some of the disputed come out verified and not removed I sent them mail of a identiy theft report via fax and mail also. They state they never receive it but I have proof of sending them it and they even keep adding collection but times care of some. On XXXX  I haven't even received a response and they hang up on me on the phone. I just want my credit I never even had a credit card and I don't have an opportunity to build it. They are not helping me at all

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 10-01-2016 about Consumer Loan (Vehicle lease) with VW Credit (GA).
Issue: Managing the loan or lease

Complaint: I leased a car with VW. I never missed a payment and was never late. At the end of the lease I turned the car in in perfect condition and had XXXX balance remaining. I followed all terms of the agreement. VW put on my credit report that the account was closed due to bankruptcy and in default. I do n't know why they refused to remove there error or fraud but it is hurting my credit. VW is knowingly placing incorrect information on my credit and refuses to correct with the intention to harm my credit. VW refuses to explain or send any information. Having this fraud on my credit is going to cause me to pay higher interest on the new home I am buying. Once my loan is complete I plan on pursuing this in court for Financial damages they are causing and violations of my credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Federal student loan) with WELLS FARGO & COMPANY (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX, I had paid off a Federal Stafford loan made through Wells Fargo. I lived " debt-free '' and without using any credit for the next few years. Upon moving to a new state and renting a new apartment, I recieved a credit report claiming that I still had {$140.00} outstanding debt against the loan. Surprised, I contacted Wells Fargo who were n't willing to give me any information about the loan, debt, or payments. 

Later that month, XXXX XXXX XXXX contacted my family ( NOT ME! ) concerning the " outstanding debt ''. I contacted them, asking why no one had made any collection attempts in the last 4 years so we could address the issue. I have asked them for any information concerning the issue and they have n't yet shown any documentation of attempts to collect from XX/XX/XXXX-XX/XX/XXXX. 

Since I have paid the debt already, I am currently in the process of disputing the validity of the debt and complaining that the companies involved did n't make adequate attempts to contact me so that we could have resolved the issue at an earlier date.

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 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/17 I made my mortgage payment on line to XXXX. I always make my payments at the end of the month before 12 AM. XXXX assured me that as long as the payment is made within the month it is not considered late. 

My payment was made on line XX/XX/17 a little after 9 PM. ( on time ) Upon checking my credit report in XX/XX/2017, I noticed that XXXX reported that I was late on my mortgage payment for XX/XX/2017. XXXX reported that I made the payment on XX/XX/17. I immediately called XXXX to address the issue in XX/XX/2017 and the representative looked up the payment information and admitted that the error was made by XXXX and that they would correct my credit report to reflect the actual date that I went on line to make my payment. The representative told me that I should check my creidt report after 30 days and I would see the correction. 

Thirty days later I checked my report and the 30 day late was still there. I called XXXX and inquired about the late payment and told the representative that I spoke to another rep. who assured me that the inaccurate information would be removed. She was very nasty to me and said they can not remove the information because the payment posted on XX/XX/17 and there was nothing I could do and that I should have received a letter in the mail. I insisted that I spoke to another Rep who told me something totally different. Then she tells me my payment was made after 9 PM and that why it posted the next day. However, I told her to check my history to see that I make all my payments the last day of the month just before midnight and I always get credit for that same day not the post date. She asked me " What if I check your payment history and we decide to go back and change all your payments to late ''? She was really rude! After we kept going back and forth she told me that the credit bureau would not allow XXXX to change the late payment. She kept giving me different excuses. 

I am very particular about making my payments on time. As you can see from my attached documentation, I have not been late on my mortgage payments for the past years and I am quite disturbed that XXXX does not valueme as a loyal customer by putting incorrect and negative information on my credit report.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I recently applied for pre-qualification for a mortgage loan through XXXX XXXX. The XXXX credit score they pulled was almost 100 points lower than what I receive from my monthly XXXX 3-Bureau FICO score monitoring. I expect maybe a few points difference, but not 100! How can I be sure that the credit bureaus are giving me accurate scores to use when I apply for loans such as a mortgage loan? I need to be sure that I 'm being treated fairly by lenders. If I never really know my credit score because their score is always different, then how is that fair to me as a consumer? Please, I need answers. 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 explanation
Consumer complaint received 06-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MS SERVICES LLC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called and they did not give me much information on the debt at all. after finally doing some research I called them back and decided to pay the debt in full. they would only do a transaction by me giving them my routing number and account number which they would make a check out in my name to pay off the debt. It if very dangerous to give out your routing number and account number. I paid them off in full and then they refused to give me any kind of transaction record or receipt. they claimed they will only send it out by mail only after everything has cleared which can take up to 30 days to receive a mailed receipt. they were very rude and unprofessional. I do not agree with the way they handle business and do not think they should be able to conduct business this way or business at all in the future. all I want is some proof of a transaction since I am giving them my account number and routing number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, I spoke to a rep by the name of XXXX. I told him that I was currently going through a financial hardship. I told him what can I do so that my account does not go into collections because I have good credit. He told me that I would need to make a payment of {$60.00} asap. I told them that I already made a payment of {$70.00} on XXXX XXXX which took care of what I was past due prevously. I told him that I could go in on the XXXX and pay {$70.00} so that it does n't show up late which I did. He also said he would remove the late charge {$38.00} so that it would lower my total balance of what I owed which total {$130.00}. XXXX told me my account was not late and I just check my credit report today and it says my payment is late which is is not and I am very upset.

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