milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MARINER FINANCE, LLC (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I paid in full on two accounts and they are affecting my credit score. I want them taken off so I can buy my house. It's been on there for a long time seeing how I paid them. They are Mariner Finance and XXXX XXXX XXXX XXXX. I want them taken off my credit score now.

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 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HUNTINGTON NATIONAL BANK, THE (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was in the beginning stages of applying for a HELOC ( Home equity line of credit ). I was told over the phone on a recorded line by XXXX XXXX at Huntington National Bank ( XXXX # XXXX ) that my credit score would only be hard pulled once. The phone ( XXXX ) conversation took place approximately XXXX XXXX on XXXX/XXXX/XXXX. 
The next day, when looking at my credit report ( XXXX/XXXX/XXXX ) I 'm seeing there were two hard pulls by Hunting National Bank. Fist one on XXXX/XXXX/XXXX, then another on XXXX/XXXX/XXXX. I did not authorize the one on XXXX/XXXX/XXXX nor did I expect to see two hard inquiries pulled back to back within two days. 

I 've sent numerous emails out to XXXX XXXX concerning this matter, but no responses or reply 's.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (ME).
Issue: Settlement process and costs

Complaint: I had a home mortgage TD Bank, paid it off but kept the home equity loan open. The bank said we had to redo it differently into another home equity loan and we jumped through a XXXX hoops and got approved. I had a balance of $ 21K that was refinanced at a reasonable rate. Then we noticed that they were assessing us an addition $ 25/month. We called and they took it off, but it was there the next month. We called they took it off and said it should not be there, but again it was there this month. They have told us this charge was because our loan was below $ 20K, which it is not. We were never told about this charge and TD Bank is becoming hard to deal with. We pay the interest as part of the payback of the loan, I do not think this is legitimate to give people these underhanded charges. Your thoughts, please. 
PS : In the last conversation with TD Bank today they said this charge is for the checking account, and over draft coverage, not the home equity loan. I was not ever told that we would be charged and the person who set up the equity loan has left that bank. Is this legitimate to do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Transaction issue

Complaint: On XXXX XXXX I made a purchase at the XXXX store located at XXXX XXXX XXXX, XXXX NY XXXX. There was an overcharge and the clerk canceled the initial transaction by issuing me a refund to my Visa card and ringing up the sale at the lower price. Today, XX/XX/XXXX, I noticed that TD Bank was holding fund for both charges but did not show the refund. When I called TD Bank and spoke with XXXX she said they could not do anything about this. I have an automatic debit coming through and holding both funds will leave my available balance short when the automatic charge comes through on Monday. TD Bank would not correct the error. All XXXX receipts that I have show authorization numbers which means the bank was contacted about the credit for the first charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/20/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Using a debit or ATM card

Complaint: On Sunday XX/XX/2017 my attorney went to charge card {$500.00} I had {$570.00} deposited. See attached. 
Wells Fargo mysteriously decided to put a " limit, '' on what my debit card can be charged daily. This was made up on the fly and never existed before nor I had I been subjected to such ridiculous restrictions with my debit card. 
I do not appreciate the wrongful interference on the part of WF and their Fraud department hiding behind false claims of fraud when there was no fraudulent activity in the first place reflected on my bank account. All my charges are tracked online and there was nothing out of the ordinary and there was no need to " flag '' my account for fraud. 
The entire time I 've had this card I was able to charge over {$500.00} a day and never had a problem with it nor has my checking account flagged for fraud. This so called fake new " limit '' ( and excuse ) placed by Wells Fargo is not for withdrawal at an ATM it is for charging my card which has funds available. I am sure Wells Fargo will provide lame excuses about how they are protecting my account when in fact that is far from the case. 
This was deliberate, and unacceptable. Wells Fargo is corrupted.

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 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit card () with DISCOVER BANK (PA).
Issue: Advertising and marketing

Complaint: Yesterday I received my credit card bill for last month and saw XXXX charges for completing and submitting my Federal income tax. While I have some problem with the deception XXXX XXXX used to have me pay to complete my taxes this year, after using them free for many years, I have no problem with using my Discover card to pay my taxes. First, XXXX has always used terms like " Easy, Fast, Free '' in promoting their service. This year they added charges, which I was n't aware of until well into the completion process. My real outrage comes in the third charge : paying a XXXX % " Convenience Fee '' to pay my taxes by credit card, through a third party in XXXX I might add. I do n't pay to use a credit card normally, and I was n't aware that such a charge would be forthcoming. 
I would think the Federal government would be happy to accept credit card payments to avoid bounced checks and receive faster payments. They should probably be happy to pay a " Convenience Fee '' for such a benefit. Please look into this. Thank you. P.S. I do n't intend to ever use XXXX again, and I will certainly never pay a " Convenience Fee '' again.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: I was in the final stages of closing on my home- I was locked into a rate of 2.75 % and pre-approved by Wells Fargo XXXX About one week before closing they said we are in level two of approval and it seems you have too many outstanding student loans ( most likely may not be approved ). However, it was never an issue -as I was told because they were deferred for more than five years until I finished my PhD program. I pleaded and wrote a letter indicating my status as a single parent and so on I was told to seek financing else where one week before closing. I did - after paying more fees for a broker and other costs and a rate hike of 3.50 % after purchasing points- more $ $ $ - I closed on my home loan. Within less than a month Wells Fargo bought and owned my home loan. I am not sure what this is called but it was clearly unscrupulous. It felt very bad not only from the aspects of stress and dissatisfaction, the lack of any recourse as I was locked into WF and owed them even more- yet would not want to have my loan there. I asked many questions and asked why I was put through this to reach the same conclusion, yet paying several thousand dollar more in initial fees and thousands more dollars over the life of the loan. The branch manager told me they had just finished training to deal with those of us who were rejected and sent to another broker and then were returned back with WF. I said it must be a big problem if you are receiving this training she stated that many customers were caught- up in this and were very dissatisfied. I was amazed that this was allowed or possible in light of all of the fraud and distortion of home buying in the last 10 years- I believe WF was fraudulent in my pre-approval and rejection- where there was no grounds for denying my loan and repurchasing it to make more money over the life of the loan. My XXXX score was over XXXX and payment history is excellent- this was blatant and unethical as I experienced it. Nonetheless, it is finally apparent there was more to the WF business model than poor judgment and consumer mishandlings as being fleshed out in the latest reports. I am happy I finally get to express my disgust with the way I was handled in the mortgage process. They did give me a reward credit card to earn rewards money towards my purchases for my home at 26 % - talk about capitalistic and opportunistic business. As a single parent with no support I feel like it is next to impossible to create a better life for my child - when too much is never enough for those who squeeze you at every possible chance.

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 12/16/2016 about Debt collection (I do not know) with M&T BANK CORPORATION (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I am the employer and the bank continues to make calls to employee at place of work, directly to Management 's phone line.

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 11/14/2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I received ( XXXX ) Letters from Consumer Financial Protection Bureau ( cfpb ) regarding Complaint Numbers XXXX, XXXX and XXXX. 
The erroneous servicing of my mortgage loans failed to take account of my Military Status at the start of my contact XX/XX/XXXX. 
I am a XXXX Military XXXX/XXXX who temporarily lost my source of income after becoming XXXX, awaiting XXXX Separation. 
After regaining my income I furnished paid amounts to XXXX ( A Failed Bank ) and XXXX XXXX XXXX ( XXXX Supreme Court Victim of Unlawful Mortgage Practices ) and XXXX to bring my account current. 
I paid {$14000.00} down, with installments of {$3100.00}, {$3100.00}, {$2900.00}, {$2900.00} and {$2900.00}. 
I furnished documentation and findings from U.S. Department of Labor, Office of XXXX Adjudication and Review, OPM XXXX Retirement Specialist, Department of Veteran 's Affairs and XXXX County Appraisal District and IRS regarding my Application/Approval for Residence Homestead Exemption. 
XXXX furnished me with a letter of servicing my mortgage along with a foreclosure Letter. 
My request for Modification was Prepared and Submitted via XXXX XXXX XXXX XXXX. Government Approved Programs Making Homes Affordable. 
I proceeded to Re-instate my mortgage with XXXX by paying ( 6 ) Payments of {$1800.00} for a total of {$10000.00}. 
XXXX disregarded the Rear payments and proceeded to change my entire contract to include Advance Property Taxes of which I am exempted. 
The Letter from XXXX ( Office of the Consumer Ombudsman ) seems to be unaware and fail to provide the documentation. 
Now my mortgage is being passed on to a XXXX mortgage company/debt collector to include the on-going errors. 
I have submitted copies of these documents on several occasions as you can finally see the overall finality and the unjust hardship caused by the type of servicing received. 
My unpaid amount at the time of my request was {$190.00} which has been re-recorded at an amount in excess of my Purchase Price. 
I feel this is a slap in the face for my contribution and service to my country. 
I submitted this information to the Office of my Commander-In-Chief for accountability and resolution. 
T/Y!

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has marked flagged my account as missing or delinquent payments. The incident started with Nationstar increasing my monthly payment from {$1900.00} for XX/XX/XXXX to {$2000.00} to cover an escrow shortage of {$100.00}. At no time was I made aware of this increase in any written, email, or telephonic communications. Therefore, I continued to faithfully and on time make my usual payment of {$1900.00} for XX/XX/XXXX and XX/XX/XXXX which Nationstar accepted as payment from XX/XX/XXXX to XX/XX/XXXX. At no time was my payment rejected for insufficient funds. I was finally made aware of this shortage only through a Nationstar loan officer as I was attempting to refinance through Nationstar XX/XX/XXXX as it went through loan processing. I immediately made a payment of {$210.00} on XX/XX/XXXX to cover the shortage for XX/XX/XXXX and XX/XX/XXXX to make up the shortage. At no time was I made aware of a new payment and was under the impression this was just an end of the year shortage. Also on XX/XX/XXXX I made usual payment of {$1900.00} the same day, once again under the impression I was up to date and current on my loan. In my entire history with Nationstar I have never missed or been delinquent on a payment. I was made aware of Nationstar flagging my account as late on XX/XX/XXXX through a credit monitoring service. I immediately contacted Nationstar and was finally made aware of a new payment of {$2000.00} and payed {$100.00}, which posted on XX/XX/XXXX to once again cover the shortage for XX/XX/XXXX. XX/XX/XXXX payment of {$2000.00} has been made and is up to date. After several phone calls with Nationstar I have been unable to resolve this issue of a simple escrow shortage and extremely poor communication from Nationstar. At no time was I delinquent on any payment, as Nationstar accepted my normal payment of {$1900.00} for the months of XX/XX/XXXX to XX/XX/XXXX. For a simple escrow shortage Nationstar has flagged my account and has negatively affected my credit score. I simply want my account restored to non late status and my credit score to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Deposits and withdrawals

Complaint: So they are back at it!!! I spoke with a employee at my sons bank to understand how my son cashed a check I wrote to him could be presented on XXXX XXXX when I clearly gave him the check Saturday XXXX XXXX,2015 I saw the copy and realized I dated the check incorrect I thought Saturday was XXXX XXXX instead of XXXX XXXX ... Wells Fargo saw the date on the check and hit me with a {$35.00} overdraft fee!! The check was cashed on XXXX XXXX!! The funds were avalible on XXXX XXXX!!! I am disgusted with these sneaky tactics!!! And when I tried to click on the check image the Well Fargo site wo n't allow me to view the image

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived at XXXX XXXX XXXX XXXX, XXXX XXXX, LA. 
This address keeps appearing on my credit reports. Please advise, 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 non-monetary relief
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: As of XX/XX/2018, I have numerous credit checks placed as " hard credit inquiries '' on my transunion credit file. I have not permitted a large number of these checks on my account. There are approximately 4 of 16 that I authorized. I believe I am victim of the transunion data breach or deletion and re-entering of inquiries. I have sent certified mail to Transunion as well as the companies that placed the inquiries.

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Franklin Collection Service, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Creditor Information FRANKLIN COLLECTION XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Attn : Resolution Department Re : FRANKLIN COLLECTION Dear Collections and Consumer Relations Dept : I am writing to dispute the following information in my credit report and/or file. I have circled the items I dispute on the attached copy of the report I received. 
This is the second time I have been informed that there is negative information reported by you Franklin Collection and the original alleged creditor ( s ) XXXX XXXX XXXX, in the records of the credit bureau records for XXXX XXXX XXXX which maintains under my Social Security number. Upon ordering a copy of the report ( s ), I see an entry from Franklin Collection for an alleged amount of {$0.00} dollars. Secondly you state that I had a high balance of {$42.00} which is also inaccurate. 

Please validate this information with XXXX XXXX XXXX and your records, and provide me with copies of any documentation associated with this alleged amount you state I owe bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security number and removed from the all three ( 3 ) credit bureaus. 

I am formally requesting that you provide validation of this alleged debt and in the absence of any such alleged debt that you immediately remove any and all information that you have reported to the credit bureau. I am formally disputing and officially notifying you that I dispute any and all alleged debts stated in your notice. XXXX XXXX disputes your debt collection-related allegations and inaccurate reporting, denies the same, and demands strict proof and verification thereof. This dispute, denial, and demand are made in accordance with federal law. Pursuant to the XXXX Fair Debt Collection Practices Act and the Federal Fair DEBT Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) your claim is disputed, and validation is requested. 

I am finding it very difficult to apply for credit and gain access to credit because you have reported inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (GA).
Issue: Managing the loan or lease

Complaint: I have a creditor on my credit report that is reporting conflicting information. I have attempted several times to dispute the information with XXXX but they refuse to dispute it any further. The company is Wilshire Commercial XXXX also goes by Westlake it reports my account was opened on XXXX then reported since XXXX. Not sure how it has a report since XXXX but not opened in XXXX. Information listed below. 
Credit Items WILSHIRE COMMERCIAL CAPITAL Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Discharged through Bankruptcy XXXX XXXX. 
Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 
Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Auto Loan Terms : 24 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$3100.00} High Balance : NA Recent Balance : {$0.00} Recent Payment : {$0.00}

Company response to consumer: Closed