milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Settlement process and costs

Complaint: My wife and I were in the process of purchasing a home. Due to construction issues the seller ( builder ) was willing to remove {$2000.00} from the price of the home. When we contacted the bank we were led to believe that it was not possible to reduce the selling price even though buyers and sellers agreed. Wells Fargo claimed that there was not enough time to perform an inspection and still close on the house in the vicinity of the original closing date. After agreeing to settle the matter in a different way, without reducing the sell price, or involving the bank, a final inspection of the home was completed at the request of the bank for another reason between the time we spoke to the bank about adjusting the sell price and the closing date. This proved to us an inspection could be done in the original time we requested. We were forced to accept a less advantageous arrangement to exchange the {$2000.00} with the seller. 
Also, throughout the process, Wells Fargo produced multiple closing disclosure forms and were sending revisions multiple times a day, all with different amounts. When my wife and I showed up to the closing we were informed, with half an hour prior to our banks closing time, that we owed an additional {$2000.00}. Neither the Wells Fargo nor the attorney took the time to assure that we, the customers, were aware of yet another revision to the closing disclosure and that the amount required for us to complete the transaction was correct. 
Overall Wells Fargo did not appear knowledgeable of the process, made too many revisions and mistakes to the closing disclosure document, under-communicated changes when they were made, and took on an air of superiority instead of service to us, the purchasers of the loan, who are supposedly the customer in the transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I have been doing a lot of back and forth communication with this company Card Benefit Services which are the representatives of Wells Fargo insurance claims. XXXX Wednesday, XXXX XXXX. I spoke with a representative named XXXX that seemed to understand what is going on, the call was recorded on their side and the number I used to contact was XXXX. 

I was denied compensation due to the following " The Cellular Telephone Protection Program does not cover items which have cosmetic damage or damage that does not impact the item 's ability to make or receive phone calls. '' The phone that I sent into them, does not function at all due to internal issues. It will not turn on and is non-operation. I called in to get clarification as to why they do n't cover my claim. They said it was due to the fact that they do n't cover internal/mechanical damage. 

If you take a look at the documentation I have uploaded, this is what I sent them as a rebuttal for their denial of insurance this might show a better understanding of what the situation in. 

I have called Wells Fargo for assistance on this issue, and they refused to help they stated they could n't do anything since the card was under XXXX XXXX Basically, I was denied a claim for an invalid reason. Wells Fargo insurance stipulates one thing, while Card Benefits Services claims that they follow different insurance. I have provided documentation under which I have cellular insurance provided from Wells Fargo. 

If this is n't the right agency to deal with this, could you forward this to the right agency? I just want this claimed resolved, and want it on the record that Card Benefit Services falsely denied me on a claim, and is n't following their policy. 

Case ID : 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 monetary relief
Consumer complaint received 10/17/2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Rewards

Complaint: My year was up therefore I decided not to renew my American Express XXXX XXXX XXXX XXXX. I called them and asked them to send my {$100.00} reward and do not renew my card. They declined to send me my reward and told me that because I choose not to renew my card I lose my reward. This is wrong. I have zero balance since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is incorrectly reporting a 30 day delinquency that is not correct. I paid as agreed on the account and have never been late. The account is currently enrolled in a debt management program that has also been paid as agreed. I contacted XXXX XXXX and they agreed and refunded the late fee charge and indicated they would remove the derogatory reporting ( 30 day late notice ). They have not done so since contacted over 60 days ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have sent multiple letters to this company trying to verify an alleged debt. They have failed to respond to me in all attempts. They are reporting debt on my credit that I have no knowledge of. This is why I'm trying to verify this debt with the 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 non-monetary relief
Consumer complaint received 01/13/2017 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Unfortunately my husband who paid all the bills and took care of all finances passed away unecpectedly XX/XX/XXXX. Prior to that XX/XX/XXXX he went to a debt consolidation company which we thought was legit. We signed the agreementa and made the payments. Unfortunately after his death, I had to seek a probate lawyer because he died without a will. She explained their practices and at that time I found none of the payments had been applied to the credit cards which meant all were already in default. She suggested I make a settlement with the credit cards. I did so with the XXXX I thought I had and had contact with. This credit card company has not made any claims to this debt until now over 2 years later. I look on XXXX and it shows XXXX balance so I assumed it was the XXXX I already paid. The only reason I found out is I have been trying to bring my credit score up and I constantly look at credit karma. There was an open collection listed on my report for Calvary Portfolio Services. I have since learned it is a debt collector for XXXX. I did make a XXXX payment to XXXX on XX/XX/XXXX which I thought settled everything. To my horror this is another account. I have ripped the house apart for any type of paper trail on this account and I can not find one piece of paper. We were in desperate financial trouble at the time of his death so I am not doubting that he opened this card. Once he passed I had no acces to any account info because it was on his work laptop which was siezed XX/XX/XXXX and I had no way of getting in it because of security measures. I did speak to Clavary today and requested account info but looking on XXXX it shows the acct closed collection/charge. 
I honestly thought I was climbing out of this nightmare until I got onto XXXX. I have been getting XXXX # calls but the lawyer said they can continue to call so I assumed it was what I thought was paid off. How can a company do this? It just destroyed my credit history that I have worked so hard scraping and scrimping to repair? I am desperate for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Citicards is giving me the runaround in crediting me for a transaction that it has already identified to be fraudulent. On XX/XX/2016 Citicards called me to report a suspicious transaction on my account resulting in termination of the card and issuance of a new card. Since then I have called Citicards to have removed a transaction from XXXX that I never mad. I have spoke to over XXXX representatives each time they misrepresent that it is not a problem and not to worry and that the transaction will be taken off in 3 to 4 business 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 monetary relief
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for XXXX and Equifax, which they have actually removed. However, a residual issue exists with that complaint. 1. Equifax has not readjusted my credit score from when the account was reported on my Equifax credit report, which the day before the fraudulent account was placed on my credit report, my Equifax score was XXXX. After the fraudulent account was placed on my Equifax credit report, my score dropped XXXX points. Equifax has removed the fraudulent account, but my score still remains at XXXX.
2. XXXX has not readjusted my credit score from when the account was reported on my XXXX credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped XXXX points. XXXX has removed the fraudulent account, but my score still remains at XXXX.
3. XXXX never reported the fraudulent account on my XXXX credit report, HOWEVER,  XXXX adjusted my credit score with them based on XXXX and Equifax reporting a 'new collection/major derogatory account '. Consequently, my credit score with XXXX dropped from XXXX to XXXX. ***Seems something inherently wrong with XXXX dropping my credit score with them based not on what was being reported on my XXXX credit report but rather what was being reported by the other XXXX reporting agencies****. Regardless, neither Equifax, XXXX or XXXX have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I got an email that my info may have been accessed in the big hacking incident with Equifax. I tried to check with them on their new site made for this incident and all it told me was to check back on XXXX-XXXX-17 to enroll in the check service. Equifax has n't told me if my credit and personal Info was fraudulently hacked and their website to check it did n't even tell me that.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: At XXXX XXXX CST on XX/XX/XXXX, I transferred approximately a sum of the cryptocurrency Litecoin worth {$2600.00} and received an email from Coinbase confirming that my transfer had been received and was being confirmed. At XXXX XXXX, I received another email notifying me that said transfer had been confirmed and that the funds were being transferred to their exchange, XXXX. According to the XXXX website, " Transfers between your Coinbase wallets and XXXX  account are instant and free '' ( XXXX XXXX XXXX ). In the six days which have passed since I received this email, however, I have yet to receive any funds in my XXXX account, where my Litecoin balance still reads XXXX. 

On the morning of XX/XX/XXXX, I opened a support ticket with the company. Within the hour, I received two automated emails which contained links to the company 's FAQ pages. The second of the two automated email directed me to respond if my problem had not yet been solved, so I sent a response at XXXX XXXX on XX/XX/XXXX which stated that my Litecoin was still missing. I sent another response at XXXX XXXX on XX/XX/XXXX in which I restated my concern for my missing funds and provided more information. I have yet to receive any emails which address my specific issue or which were written by a human being.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been trying for months to resolve the issue of my loans. I can not get any help as or answers about help. I am not working and they only offer me two option one is to postpone the other is to pay over 1500 and this is a so called interest only How can I afford that if I am not working? So when I do work, which my hope is in education, the pay still would n't give me enough to cover the big payment! I need help! I keep getting different people and the department that is called advocacy department never answers? I have XXXX different interest rates XXXX different payment, there is no option to consolidate? WhT do I do

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (MA).
Issue: Settlement process and costs

Complaint: We are in the process of trying to refinance our XXXX mortgage on our home and in order to complete the refinance we need a " subordination agreement " from TD Bank stating that they agree to be the XXXX mortgage holder, which they are presently. TD Bank is giving XXXX excuse after another as to why they ca n't honor our request at this time. First they said our loan was not current and it was, next they said another bank has a lien, which they do not, and now they are naming another bank as a lien holder and they are not. We are asking them to change nothing and agree to what they already agreed to XXXX years ago when we took out an equity loan with them. They are being difficult and unreasonable while the clock is ticking and we may lose out on a reduction of our interest rate and loan payment with a loan that has nothing to do with them. This is the XXXX time in the last XXXX years they have blocked our efforts to refinance a loan with another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am in income-based repayment status with Navient. Several years ago, I was an XXXX XXXX, which paid the interest on my student loans during my year of service. However, Navient capitalized all of the interest from that year, adding it plus more to the loan principal after having accepted the government 's payment on the interest. Additionally, I paid the full amount of my XXXX XXXX award toward my loan principal, and Navient applied all of it the interest. Since that time, they have included a line item for " capitalized interest '' at the beginning of every year, causing my loan balance to increase every year, though I am making substantial monthly payments. There is no one at Navient to speak with about these issues, and it appears they are increasing my monthly payment from {$750.00} to {$1600.00} as of XXXX XXXX. I will continue to try to reach someone there.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A Florida company named " XXXX '' obtained information about a time share we owned, They cold called my spouse wanting to list the time share property for sale. her response was " no we do not need your services ''. XXXX then proceeded to produce and execute a contract for the property anyway without the knowledge that we terminated our interest in the timeshare through Timeshare exit team / XXXX. 6 months prior. When XXXX executed the contract it had the last 4 digits of a credit card which has never been in my possession, no CC number was ever given to them and they somehow managed to get a valid number on my PayPal account. When I noticed an XXXX dollar charge on my credit card I immediately called PayPal / Synchrony bank and told them the charge was fraudulent.They then investigated the charge and concluded it was valid because there were internet transmittal information and a XXXX signature on the contract. We disputed the proof they had and submitted and sent them our proof of termination of the timeshare 6 months prior the the execution of XXXX contract. The contract Synchrony sent us as evidence had been altered on the last 4 of the credit card number from the one I obtained from XXXX. Again I disputed this discrepancy, they re investigated and still refused to acknowledge that this was a fraudulent charge.After countless harassment calls from Synchrony for collection on the debt they submitted the case to XXXX for collection. I submitted a letter and documentation explaining that the charge was not valid and no further contact has been made by them. Next I filed a Better Business Bureau case # XXXX on Lifetime and # XXXX on Synchrony Bank, Lifetime did not respond at all and Sychrony denied the withdraw of the charges. Now I am writing CFPB in hopes that someone can help me resolve this matter.

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 08-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have my loans serviced with Navient Incorporated. They would not work with me to give me income based repayment. Instead they gave me the option of graduated repayment. There was also a time last year where I could not make a payment and they encouraged me to take a forebearance. I know have more interest and my overall balance is bigger.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: APR or interest rate

Complaint: My wife and I purchased furniture at XXXX in XXXX with terms of 0 % financing with minimum payment until XXXX under Wells Fargo Bank. These terms were applied to half of our purchase and the other part of the purchase was changed to 0 % finance for 12 months. When I noted in XXXX that we were charged extensive finance charges on part of purchase, I was told by both the merchant and Wells Fargo Bank that there was nothing that could be done unless I could prove the terms of financing. At that time, I could not find my paperwork. This hurt our credit score and due to the finance charges also made it difficult to make such a high payment. When we were cleaning out our home for purchase, I found the original paperwork from XXXX stating the terms as agreed of 0 % financing until XXXX for the entire purchase. I contacted XXXX and provided them a copy of the paperwork on XXXX/XXXX/XXXX, and I was told that it was all taken care of on XXXX/XXXX/XXXX by the manager at XXXX, and it would show up in XXXX to XXXX billing cycles. I waited for approximately 6 weeks, and it still had n't shown up. I contacted the manager at XXXX and was told that someone dropped the ball, and that it would be taken care of. I then filled a dispute with Wells Fargo Bank. I provided Wells Fargo Bank a copy of the original paperwork showing that the wrong terms were applied on XXXX XXXX. I also told Wells Fargo Bank that resolving this issue was critical as we were purchasing a new home, and would not be able to acquire funding with an open dispute. I was told that they had up to 90 days to research this matter. I continually followed up with Wells Fargo Bank including my last call on XXXX/XXXX/XXXX. My account is noted all the way through that the expedition of this research is needed due to the pending home loan. I was told that there was no way to expedite as they handle claims as they come in, and that they have up to 90 days to take care. Supervisors of the credit center have sent multiple emails to the billing department for an update on the status, and they have failed to respond. I indicated that they had caused my husband and I financial hardship by the bait and switch of finance terms, and now they have placed our home loan in jeopardy due to the open dispute status. I requested under the Fair Credit Reporting Act that this account be removed from my husband and my account until it is resolved since it took longer than 30 days. I was told that was impossible. At this time, we are not able to receive the home loan due to the open dispute status. We have now been caused further financial hardship/damage due to Wells Fargo Banks actions. We have lost both money from the home inspection and appraisal, and we are currently living in a XXXX with our entire family as we could not go forward with purchase, and our home was sold.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Gordon, Aylworth & Tami, P.C. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was garnished by a collection agency that I did n't even have a chance to answer their claim against me. I received notice from my employer just before the XXXX garnishment on my paycheck when I checked on the debt, it 's with XXXX companies I did n't have an account with. XXXX of the original bills was from 2004. I received the court documents 1 month AFTER it was submitted to the courts AND after my garnishment began. They have my name spelled incorrectly. The judge who signed off on the garnishment is an Oregon XXXX, I live in Washington. The debts they claim I owe are over 10 years old. The Attorney is XXXX and XXXX XXXX at Law in XXXX Oregon. I do not feel I owe these debts. I have never owned a XXXX credit card or a XXXX phone account. The court Case number is XXXX The Collection Agency is XXXX XXXX , XXXX.

Company response to consumer: Closed with explanation