milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Submitted an application to add my husband to my account as a designated joint owner because he is XXXX and have provided me with a durable power of attorney. I wanted too change an account and add his deposits to my account because his bank is in North Carolina. This would make it easier for me to manage the funds because the bank in NC only have branches in NC, OK, DE and other states not close to Virginia. The Power of Attorney was on file and has been used in the past, but not too add him to my account. According to Navy Federal 's website : Joint ownership is not the same as Navy Federal membership. Federal regulations permit anyone to be designated a joint owner ; but permit only those within Navy Federal Credit Union 's " field of membership '' to become members. Therefore, joint owners are not automatically Navy Federal members, and they may not vote, obtain loans or hold office unless they are also members. A joint owner is entitled to purchase and withdraw shares with or without the member 's consent and, if designated joint owner " with right of survivorship, '' would be entitled to the share balance at the time of the members death. The joint owner may also request information regarding the account at any time and authorize the transfer of any funds in the share account. I was not provided with an attorney to read the POA but XXXX who said she was not an attorney or a paralegal. She denied my request and told me she was the supervisor. I would have to write to the Office of General Counsel. The POA is valid and gives me the authority to handle financials transactions broadly from banking to real estate and other issues. I am concerned an administrative person was handling legal matters and our access to due process was inhibited without having an attorney to even review the POA before making the denial to add my husband to my account. Additionally, my husband is incapacitated and can not sign any documents but if he was able to go into the credit union and sign the transaction would have been granted. Therefore, be cause he is XXXX a simple request was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (IL).
Issue: Adding money

Complaint: I have submitted two settlement claim through claim form online and by mail. Rush cards is not letting me know the status of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (AZ).
Issue: Problems when you are unable to pay

Complaint: I took out a loan of {$2500.00} with XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX I began paying {$290.00} per month and continue to make those payment. So far, I have paid back four times the amount I borrowed and continue to make payments.The company constantly changes names form XXXX XXXX to Cash Call. I am having a financial hardship and have made Cash Call aware. I was only able to pay {$140.00} on XX/XX/XXXX payment. The company calls me over ten times a day sometimes as early as XXXX. How can I get out of this situation? Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: As you are aware, FedLoan Servicing, the plan administrator for the debt forgiveness program created in XX/XX/XXXX, may not be honoring its commitment to forgive student loan debt after 10 years of ( employer certified ) public or nonprofit employment - just as the 10 year requirement has been met by borrowers. The Department of Education has suggested that " borrowers could not rely on the program 's administrator, FedLoan Servicing to say accurately whether they qualify for debt forgiveness. '' The article goes on to say that thousands of approval letters sent by FedLoan Servicing are not binding and can be rescinded at any time. Neither FedLoan servicing nor the Department of Education is offering any explanation, according to an article in the XXXX business section dated XX/XX/XXXX. 
My concern is heightened by the Trump 's administration 's desire to abolish the CFPB, leaving borrowers without any recourse or protection. 
I am equally concerned that the Income Based Repayment ( IBR ) program will be discontinued. As an enrollee in the IBR program and an employee of a XXXX, my monthly payment was reduced from {$740.00} to {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit rating has been damaged by perjurious allegations made by Wells Fargo, a company that gave me negative marks for not paying the monthly service charges on an unauthorized and empty checking account. Said checking account used to be authorized, but Wells Fargo refused to shut it down when I no longer needed it or wanted it. Wells Fargo has a well-documented history of trafficking in unauthorized bank accounts.

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 06-06-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: We have been have dealing with this issue with Bank of America for a long time. We are losing our home and we actually have a foreclosure date of XXXX the XXXX. We are currently going through the process again to try and receive another Trial modification. The last trial payment that we were approved for we could not afford it was almost {$1600.00} and since we could n't afford it we were declined. Now the trial mod we received before then we paid all of our XXXX payments as instructed but we were denied that time because of a notary issue. We had the documents notarized XXXX separate times, one time we even went to a branch at Bank of America as instructed by our representative and we were told the documents were still notarized incorrectly. Because we were having such an issue with the notary Bank of America had a XXXX party notary contact us to meet us at our home to notarize our documents. The day of our appointment the 3rd party had an issue, and the company did n't have another person to notarize our documents and our appointment was cancelled. I spoke with a representative from the bank and the notary company that Bank of America connected us with, and XXXX parties assured me that because the appointment was cancelled by the representative that our modification would not get denied because it was not our fault that the appointment was cancelled, and that Bank of America would honor it because they bank knew we were working with a party they contracted. All of this transpired on a Thursday and Friday. Our modification documents were due over the weekend and when Monday came we were told we could not send the documents in because we missed our deadline date. Even after I was assured that would not happen. I spoke to our representative and he said he would look into the issue. I never heard back from our representative and a few weeks later we got papers in the mail stating our modification was denied. When I called the rep he told me it was my fault and said that all I could do was start the process over again. I told him I was going to appeal and he told me it would n't do any good, I contacted the appeals department within the 30 days and spoke with a gentleman who then told me I was supposed to go through that with my rep because their department does n't handle appeals anymore, but he also gave me another number to contact, I had been speaking to a person who told me my account had not been handled correctly and she began researching it for me, until all of a sudden her calls stopped, by this time 30 days had passed and the bank was telling me that I did n't contact the appeals department in time, but I clearly did. I do n't know if you can pull and research my file in time but I certainly hope and pray you can help me because I do n't know what else to do.

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 07-06-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been working with a company for moths to remove items from my credit report with success. I just recurve a notice from them that they have ALL reappeared on my credit report bringing my score down. I never received a 5 day notice of this matter and demand that they be removed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On three different occasions, i.e., XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, wrote checks in the amounts of {$100.00}, {$51.00}, and {$100.00}, respectively, and Certegy denied my checks that I wrote to XXXX 's XXXX XXXX. The only reason Certegy denied my checks was because the check number was too high. I explained to the customer service representative that I had been with XXXX XXXX for 38 year, talked with a bank officer and was told XXXX had no holds or outstanding checks on my account The customer service representative said Certegy used a formula to determine when checks will be approved or denied and based on that formula, my checks were denied.

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 09/22/2015 about Debt collection (Auto) with PNC Bank N.A. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Still on credit report as delinquent. Please help me remove it, thank you thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (FHA mortgage) with TD BANK US HOLDING COMPANY (PA).
Issue: Settlement process and costs

Complaint: I have made a purchase on a house I was scheduled to close on Monday, XX/XX/XXXX. I initially applied for a mortgage loan through TD Bank back in XX/XX/XXXX. However, the mortgage processor neglected to let anyone know there was only one piece of the information missing until today, which prevented me from being able to close on the house. Everything was set up to close today between myself, the title company and the realtor, except for TD Bank because have n't gotten around to review or finalize anything even though they have been recieving information for the past two months. I am now in the situation where I will have no where to live by week 's end and have to pay fees and penalties to various companies that I had set up based around the closing date I was provided. There is no resolution or estimated time on when I will be able close on this house and was given poor customer service by those involved at TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2017 about Student loan (Private student loan) with GRANITE STATE MANAGEMENT & RESOURCES (VA).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: InXX/XX/XXXX, my daughter was accepted into XXXX XXXX College. However, after one week, she  asked to come back home because the school climate was not conducive to her as an XXXX XXXX. She withdrew from the college and then we started receiving invoices for repayment of a {$5000.00} loan. This private loan was never distributed to her nor my account so we do not understand why we are repaying a loan for one week  's stay.. 

When I asked about this loan of which I believe I am a co-signer, I was told the school records indicate that she was enrolled from XX/XX/XXXX to XX/XX/XXXX. This is incorrect and this loan is being questioned. 

The school 's admission office was pushing all type of financial aid so that she could attend their school. 

We would like this matter investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (NY).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: On XX/XX/XXXX I had filed a report in XXXX XXXX, NY for the theft of my car. 

In XX/XX/XXXX I visited the police station to find out about the situation since I had not heard anything about the car. I was told it was found a week later from the initial date in XXXX, CT where I paid the {$1700.00} storage fee. The car was in the same condition minus a broken radio screen That same day I called TD Bank to inquire about surrendering the car due to having moved closer to the city and no longer relied on a vehicle. 

I explained my situation and was given this number. XXXX XXXX XXXX I 've had other representatives leave emails, I personally left dozens of voicemails with my contact info. I 've called from XX/XX/XXXX to XX/XX/XXXX numerous times throughout the week at different hours to no prevail. Not ONCE has anyone ever picked up the line! 

If i call and talk to a representative, they end up forwarding me to a different department that ends up going to voicemail. 

I cant continue playing in this run around!

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Payday loan () with MoneyLion Inc. (IL).
Issue: Charged fees or interest I didn't expect

Complaint: Item 1 ) First, The reason I am filing a Complaint against this Payday Loan Company is for several reasons. The first is that there are laws in the state of Illinois that preclude and exclude allowing interest rates greater than 35 %. The interest rates on this loan is very high and some are well above 600 % to 1800 % regarding this loan. And, this should not be allowed by law. 
Secondly, the rates are staggering and they never check to see if I could afford these loans as there are rules stating that a purchaser should not pay on more than XXXX outstanding payday loans at any one time. And, I have been paying on a total of ( XXXX ) Payday loans for well over 9 months in succession with much difficulty. 
Thirdly, I not only continue to pay these loans with exorbitant rates and fees. But, the huge charges were destroying our ability to live after deducting well over XXXX % of my take home income for well over 3 months and I have not paid my mortgage since XX/XX/XXXX and XX/XX/XXXX for both the first and second mortgages and I am in jeopardy of foreclosure as of this date, XX/XX/XXXX. 
Lastly, several Companies did not tell me of their extremely high rates they were and some also withdrew from my bank account even though I asked them to STOP future via EFT Revocation Letters. A Couple withdrew funds directly from my account even after it was Bank closed causing me to incur heavy bank fees per day of even {$50.00} or {$60.00} at certain intervals. This was a very stressful time XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX causing us to be fragmented and close to homeless situation.

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 12-11-2017 about Debt collection (Federal student loan debt) with Equitable Acceptance Corporation (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was contacted by a man named XXXX XXXX ( ph.XXXX, fax. XXXX, email.  XXXX ), stating that he was from a company called XXXX XXXX ( XXXX ). He claimed he was going to help fill out the forms needed to reduce my student loan debt. The emails that came from him has an additional company name of XXXX XXXX. I asked him what that company name was, he claimed it was the parent company for XXXX XXXX. After he took my information he told me payments would be through a 3rd company called Equitable Acceptance. They are to change me about {$1500.00} for a form I fill-out for free every year with the Dept of Education. I decided to cancel the service via sending the cancellation documents to the address on the forms : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I was contacted by XXXX XXXX on XX/XX/XXXX, the cancellation was to be received by XX/XX/XXXX. Paperwork was mailed the XX/XX/XXXX to be received by XX/XX/XXXX. My letter was returned to me on XX/XX/XXXX by the USPS stating the address was " Undeliverable and Unable to Forward ''. Phone numbers for XXXX XXXX and XXXX XXXX ( ph.XXXX ) are disconnected when you call them, I have tried on my cell phone and landline numbers to reach them. I believe XXXX is actually a front for Equitable. I contacted Equitable Acceptance and was told they " did not receive the cancellation information before the due date '' I have documents proving I attempted to cancel within the timeline, I have emails from the offending party and text messages from Equitable. I also have additional phone number and emails from others involved with My XXXX  XXXX : XXXX XXXX ( ph.XXXX, Off Ph. XXXX, Fax XXXX, email. XXXX ) and XXXX XXXX ( ph. XXXX, email. XXXX ). I contacted the Dept of Education and they are aware of the fraud, advised me NOT to pay them, to contact BBB and Attorney General and them. As of today, I have submitted complaints to both the BBB, the Maryland Attorney General and the Federal Trade Commission. Equitable reached out in the BBB claim with a general auto response and disconnected phone number to contact XXXX. I have had to put a freeze through all three credit bureaus as well as filed fraud claims, however XXXX and XXXX state that Equitable Acceptance is already showing on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian will not remove inaccurate names that are not my names or wrong addresses. The other agencies did it but they will not. I have even sent them proper identification and address verification information. Still no changes after 5 months of trying to get corrected. 

Also they failed to reinvestigate properly and submitted requested documents to me based on the Section 611 of the FCRA I stated to them the following : 1. My request was made based on FCRA, Section 611, Procedure in Case of Disputed Accuracy ( a ) ( 6 ) ( iii ) and was signed as having been received by you via certified mail. 
2. Pursuant to FCRA, Section 611 ( a ) ( 7 ), you are required to provide that description and specific information to me no later than fifteen days of my request. 

1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I saw that there was a fee charged to my bank account out of nowhere for {$120.00} in processing for a Levy Order I was not told about. Originally I thought it was an unauthorized debit and I was going to have to change banks. I spoke to the department who handled court orders. They said they collected {$0.00} but charged me {$120.00} processing fee which was nowhere in the fee disclosure I received when opening the account. The account with the Franchise Tax Board has a payment arrangement to be cleared in XXXX 2016 that is standing on the system. When I requested the fee be reversed they refused stating that I need a letter from the Franchise Tax Board. When I called the Franchise Tax Board they said they do not call nor provide letters for errors when it comes to bank levy 's. I called the same department back and they refused again and said they get calls and letters everyday from the same department whose number they gave me.

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 01/15/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Customer service / Customer relations

Complaint: I called Capitol One on XXXX/XXXX/XXXX to ask a question about my account. The agent I spoke with answered my question, then told me ( without my asking ) that, as I had been paying my bill on time every month without fail, that I could have my annual fee of {$39.00} refunded if I called back in XXXX. He offered to note my account to that extent, and I hung up, surprised and pleased that Capitol One would offer this service. Of course, I was less that pleased when I called back on XXXX/XXXX/XXXX and found that my account was n't noted and that this was not something that could be offered. I asked to have it upheld nonetheless, as this had been offered unprompted or unsolicited by me, only to be told that nothing could be done without a promotional code. I spoke with a supervisor, who apologized and assured me they would 'speak to the agent ', but this does nothing to mitigate the deception that took place in regards to what happened. Essentially, the agent lied and no real action is being taken about it.

Company response to consumer: Closed with explanation