milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: About a year to a year and a half ago I signed up for a Wells Fargo personal bank account over the phone and was sent my cards and paperwork through the mail. Since then I have had trouble over and over using their online services and specifically when I try to reset my password it has you enter your username and some ID such as your DOB, Social or Account number. If I enter my username and social it tells me I have multiple accounts, if I enter my username and DOB it tells me I have multiple accounts. I only have XXXX account with Wells Fargo. I was hung up on by XXXX Wells Fargo 'bankers ' twice today for asking if this was related to the news article that came out. The last call I was told I would be connected to a supervisor to help clear the issue up and was hung up on before any kind of transfer happened. While writing this I am on hold again. I am in Texas, not California but I believe I may be a part of this recent news. I have not been given answers yet and need to know if I am or not a part of this issue.

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 12/21/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: On XXXX XXXX XXXX, I had fraud committed against my checking account. The security of my bank did not have measures in place to prevent this from happening. Due to this my account was depleted of all funds. The banks security department had to conduct an investigation that took an unprecedented amount of time. I finally was able to recieve all of my money back on XXXX XXXX. Due to this lengthy investigation process I was behind on some of my bills that were auto-draft. Those creditors applied returned check fees totaling {$290.00}. I have tried working through my bank to recoup those fees and have not had any resolution. I claimed these fees on XXXX XXXX and as of today have been informed by my bank that this investigation is still in progress. I have already paid those fees to those creditors. So as of now I have paid {$290.00} in fees due to a poor security department and an unacceptable investigation process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was previously on the Income Based Repayment ( IBR ) plan and as I was submitting information to change my plan to the REPAYE. When my servicer, FedLoan Servicing, processed my loan they did not notify me that they automatically capitalized more than {$4000.00} of interest onto my already huge loan. Now that they are changing my plan, they have put me on forbearance which they say again requires interest capitalization at the end of my forebearance, so I am paying interest off of my interest just to change my income driven plan. FedLoan Servicing gave me notification of this happening, and when I called them 4 times in one day to figure out what what going on, and to cancel the IBR changing process, they said that they can not take off the initial interest capitalization of $ XXXX dollars. When I asked them about their policies on notifying people of capitalization on their accounts, they said it is not a requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: CONVERGENT OUTSOURCING, INC. report collection on my credit report without contacting me of this debit. Debit was discharge with chapter XXXX under XXXX, and now placed back under a different name.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Arbitration

Complaint: I HAVE TWICE DISPUTED A CHARGE ON MY CREDIT CARD. THE CHARGE WAS FRAUDULENT BASED ON XXXX LAW. IT WAS A SCAM. BANK OF AMERICA SAID THE ONLY THING THEY COULD DO WAS FILE A BILLING DISPUTE, AND COULD DO NOTHING THAT INVOLVED LEGAL MATTERS. THE SECOND DISPUTE WENT TO ARBITRATION WHERE THE ARBITRATOR ( XXXX ) FOUND IN FAVOR OF THE MERCHANT. I FIND IT ABSURD THAT THE CARD ISSUER WOULD BE AN UNBIASED THIRD PARTY ARBITRATOR BECAUSE THEY GET A PERCENTAGE OF THE TRANSACTION. BANK OF AMERICA NEVER SAID XXXX WOULD BE THE ARBITRATOR. I FEEL THE WHOLE AFFAIR WAS HANDLED POORLY AND UNFAIRLY TOWARDS THE CONSUMER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Making/receiving payments, sending money

Complaint: My mother was preparing to purchase a home. She received an email from lender instructing her to wire funds to a certain XXXX XXXX XXXX account. She wired her down payment/closing costs totaling {$57000.00} on XXXX from our joint Chase bank account to a XXXX XXXX XXXX account. Two days later, at the closing for the house, she is informed by lender that they never received the funds and that they never sent us email with wire transfer instructions. That 's when everyone discovered that someone had hacked into lender emails and sent a fraudulent email in an attempt to defraud my mother of this money. We immediately report the incident to Chase and to the FBI. Chase opens up a case # and initiates a wire recall request. A few days go by and no word from either Bank or the FBI. I have yet to hear from the FBI and from what I understand, the amount is too small for them to get involved. So, I reached out to my local police department and continued to follow up with both Chase and XXXX XXXX XXXX. XXXX XXXX XXXX informed me that they had flagged their customer 's ( receiving ) account and successfully frozen the funds on their customer 's ( fraudulent ) account. They also inform me that they are willing to transfer the money back to our Chase account and that they only need Chase to sign off on a " hold harmless '' letter. I reach out to Chase again by phone a few days later and to my surprise, I am informed that they ( Chase ) have cancelled my recall request and closed my case. After my initial shock, I drive to a branch and ask a Chase banker to double check the status of my case. They inform me that case was indeed closed because they were not willing to sign off on the hold harmless letter. I plead with them to reconsider, stating to them that I am their customer and that the other bank is willing to cooperate and send the money back. Again my own bank refuses to assist saying they will not be signing any letter because there was no fraud on their part. At this point, I am in disbelief that my own bank dropped the ball on us and did n't even have the decency to reach out or call at any point to inform me of their decision. If I had not called them asking for a status, I am not sure they would have ever reached out to me. It seems that the receiving bank is more interested in working with us to prevent this fraud than my own bank is. XXXX XXXX XXXX offered me an alternative by having a police report sent to them ( which I 've done ), but still unsure that this will resolve the issue. I am deeply appalled by the treatment and lack of concern by my own banking institution. Chase would rather sweep the issue under the rug and needlessly avoid resolution than to take care of their own customer. Again, the receiving bank is willing to cooperate and send the funds bank, but it 's my own bank that lacks any sense of duty to assist or prevent fraud by leaving its own customer out in the cold.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Trouble during payment process

Complaint: I have a 2nd mortgage lien ( HELOC ) recorded in my town registrar 's office for $ XXXX. The recording is dated XX/XX/XXXX. XXXX Bank is listed as the creditor. XXXX was absorbed by XXXX who sold it to a debt collector XXXX XXXX XXXX and is now out of business. I am current on my first mortgage with XXXX XXXX XXXX. The property is underwater on the first lien with XXXX and so extremely underwater on the second lien. At free of charge and only commissioned based ; I contracted with a California firm who locates 2nd mortgage servicers and negotiates down the principal balance in exchange for the negotiated settlement. Again, for free of charge they have reached out to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. They worked with the CEO and head of XXXX XXXX XXXX and my servicer has not been found. The last correspondence I have is from XXXX XXXX XXXX, dated XX/XX/XXXX. XXXX was collecting for XXXX XXXX, XXXX. 
The correspondence from XXXX was a request for {$16000.00} or 17.5 % of the $ XXXX balance. I disregarded that offer because at the time I could n't afford a lump sum of $ XXXX. I am simply trying to locate the current lien holder so I do n't have the need or expense to pursue a XXXX XXXX XXXX. I 'm not sure who the lawsuit would be filed against because there have been numerous companies in the chain of title but only XXXX has recorded a instrument. If I was paying an entity then I would n't be confident I was paying the correct company since many could claim ownership without filing the property recordings. I want proof of ownership of the debt with a " blue ink '' signature and not a " copy '' of a Deed or Note of which there are obviously numerous. 
Can the CFPB help me locate the truthful owner of the debt? The trustee listed on the Deed Of Trust is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, CT XXXX. I 've attached XXXX statements, XXXX collections statements and the title search showing the recording.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (MA).
Issue: Fraud or scam

Complaint: I paid a deposit for a stay at a surf camp in XXXX via paypal but the recipient was a ghost account. The surf camp is reputable, it has a paypal account at XXXXXXXXXXXX. I sent the deposit to XXXXXXXXXXXX, who took the money, but did not provide any service, or provide a refund despite requests. The owners of that acount set it up just to receive payments made to the wrong address. They also set a XXXX account to attract people to pay for services that it has no intention of supplying. Paypal refused to reverse the payment : the complaint procedure person did not understand the issue and incorrectly closed the complaint in contradiction to Paypal 's published policies on fraud. This is a repeated problem for the camp owners, and a clear case of ghost-account fraud, but paypal refuses to act to protect customers from this fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: Experian refuses to re-investigate inaccurate information. A certain creditor added negative information on XX/XX/2018 to my file. This place information is in accurate and other CRA have correct it. I have supplied Experian with proof that shows the creditor is reporting false information but they refuse to correct

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 01-06-2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/2015 some one change address of my Synchrony credit card with out notify me. XX/XX/2015 someone use my credit card from synchrony bank {$900.00} ten times in one days at Wall mart in XXXX XXXX, on XX/XX/XXXX. that person pay the credit card {$9700.00} with fake check and in the same time Synchrony bank let that person buy {$900.00} more at Wall mart at XXXX XXXX before the check clear. I found out when I use the card on XX/XX/XXXX access denied. I called Synchrony bank and found there fraud activity going with my account. Synchrony bank start send email change address which I received on XX/XX/XXXX and after the fraud activity happen.. 
Synchrony bank closed my old account and move {$9900.00} + interest to my new account. 
When ever I call they always said under investigation and they accrue the interest. 
I report to [ police in XXXX XXXX, they said they can not do anything because the fraud activity happen in XXXX XXXX but the police give me the case number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America is reporting my equity line under Derogatory Items due to the way they report to the credit bureaus. I have never been late ever. This is adversely affecting my credit score and I am unable to refinance my other properties. The value of the property dropped, and they put this on my credit report. Its not my fault it dropped. Why is this on my credit report????

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Tranunion has " XXXX XXXX '' listed as an employer on my report wich is incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX  XXXX, removed XX/XX/XXXX Acct. XXXX XXXX XXXXXXXX XXXX, Removed XX/XX/XXXX Acct XXXX XXXX XXXXXXXX XXXX, Removed XX/XX/XXXX XXXX XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX XXXX, Removed XX/XX/XXXX ACCT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: unlawfully add inquiry to my score

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt in full XXXX of 2017 and I have already submitted a complaint due to their customer service rep providing false information. This company has stated NUMEROUS times I owe them {$0.00}, which is FACT. However, I get at least 4 phone calls per week from Portfolios recovery trying to collect a debt! I will sue this company if they do n't remove my phone number from their call lists as I owe them nothing. When I call them directly I am told that I owe them nothing. But they continually call me from different numbers that include : XXXX ( XXXX XXXX XXXX, XXXX, XXXX. IT IS NEVER ENDING. this company is disgusting and if they do n't stop calling me to collect a debt that is not owed I will sue them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Reviewed recent credit report and see that on : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX made an unauthorized inquiry. I did not apply through this company. I have called and sent this company a letter but did not receive a response over 45 days ago.

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 04/13/2018 about Debt collection (I do not know) with Hunter Warfield, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I became aware when I checked my credit report that this debt collector under the name of HUNTER WARFIELD INC. has reported incorrect information that I owe the amount {$1500.00}, I have sent a notice of state and federal validation of debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Mortgage (Other type of mortgage) with Servis One, Inc. (IL).
Issue: Struggling to pay mortgage

Complaint: This complaint is related to the second mortgage on the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. XXXX. I had attempted to get a modification and was denied by both of mortgage companies. I have since fallen behind on my mortgage payments. I hired a real estate agent who was able to short sale the property. We are currently under contact and do have an approval from the first mortgage company who is requesting we close on or by XX/XX/XXXX. 
This short sale package was submitted to XXXX on XX/XX/XXXX with the final approval letter sent to them on XX/XX/XXXX. To date, neither my agent, my attorney nor myself have received any information from XXXX even after REPEATED phone calls and emails. I was told by " XXXX '' that my XXXX was XXXX XXXX, but that she is currently on vacation, so we left messages with her supervisor XXXX XXXX. I called back on XX/XX/XXXX and was told by XXXX XXXX that she is not on vacation but new to the company and does n't have access to the " system? '' He also stated XXXX has no record of receiving my short sale packet, however my real estate agent has the fax confirmation that all documents were sent and received. I truly believe XXXX has been purposefully trying to stop the short sale by first ignoring us, and now by lying. 

If you could please let me know what my options are or how I can proceed so that XXXX does not prevent the short sale from occurring, I would be unbelievably grateful. If you need more documents than what I can upload, please let me know and I can fax or email them to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Clark County Collection Service (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted by XXXX at Clark County Collections about a debt for XXXX, and i immediately notified her that i was disputing the debt. They have never sent me any verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Other

Complaint: Sam 's Club Synchrony Bank is my creditor and I have a credit card with them. The issue with them is that my account is not being reported to XXXX credit reporting. I have requested on several occassions for about a month now if the would please re-report or re-insert my credit information to XXXX because it some how was removed. As of today that has yet been completed and it is very irritating and harming my credit

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 10/16/2017 about Student loan (Private student loan) with SLM CORPORATION (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: When my loan started to become due. I told sallie mae that I am not able to pay the loan at this time because I was not making enough money to pay it back. Sallie Mae at did offer me a reduced payment plan. They had me put the loans in forbearance. But being that I was past my due date they could do the forbearance for the past month I missed. And if I needed to put in forberance again I needed to call before the next due date. By doing the forbearance the loan amount went up. Sallie Mae never called me directly to let me know that I was behind in payment. They would call my co-signer but never called me directly. I approached sallie mae to get a lower payment. The deal they offered me was not acceptable. Sallie Mae offered to lower my interest rate only two years. And after would be back to a varible rate that i have know Idea what it would be. And being that they were lowering the payment because of the interest rate. They added five more to my loan. I also offered to settle the loan with a buyout amount. Sallie Mae said they would take nothing less then 90 % of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Debt collection (Other debt) with ERC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: To Whom It May Concern, I am writing you today and attaching this to my credit dispute. I had a bill that went to collections that I paid immediately because an apartment I was attempting to get with my wife, found it on my credit report. It is from the Agency Client ERC Account ending in XXXX. I never once was given a final bill calling for the {$100.00} that I owed them as well as a overdue note or notice of delinquency. If I would have known to dispute this before I paid it I would have, unfortunately I did have to pay it off as well in order to get the apartment itself. Thank you so much. 

Sincerely, XXXX XXXX I wrote this dispute letter to XXXX and submitted the dispute on X/XX/2017 and have yet still not received any information or resolution. I was told it would be ready in XX/XX/XXXX, I have checked it every month waiting for an update, but there is none. As far as my understanding they have no more than 45 days to finalize the dispute. The only reason I knew that I owed the {$100.00} was the call from the collections company, never a final bill from XXXX themselves. I paid the balance immediately hoping it would resolve everything, unknowingly it would actually stay on my credit report and continue to hurt me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation