milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Wrong amount charged or received

Complaint: My email was hacked and I received fraudulent wire instructions to wire money to my title company for the purchase of a home. I sent two wires, both to fraudulent accounts at Wells Fargo Bank. The first wire was for {$150000.00} and I received only {$140000.00} back. The second wire was for {$220000.00} and I received only {$210000.00} back. I 'm short {$13000.00}.
The second wire was red flagged by Wells Fargo 's wire department as a mis-match of beneficiary name and name on the account. They did n't match. I received a call from the Wells Fargo Fraud Transaction Support team indicating they had found this problem and that they would " block '' the funds and the recipient would not be able to use the funds. I was instructed to work with my bank that sent the funds to them recalled. I did as instructed and the funds were returned about a week later {$10000.00} short. When that happened I contacted Wells Fargo immediately and they said they could not tell me anything and that I needed to go to my bank because Wells Fargo would be giving them information. My bank said that had not received any information from Wells Fargo.
I want my funds returned to me. It 's a lot of money.

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax has already deleted a XXXX loan account few weeks ago, today they reinsert the account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Debt collection (Payday loan) with Oxford Law, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to receive calls about a loan that I do not owe. I was told that the Loan was taken out in Indiana and that they have a picture of me going into the store. I have contacted the company and confirmed that this is not mine and they have not initiated any action against me. I was contact by Oxford Law and a XXXX XXXX was the last to call. The number the called from is ( XXXX ) XXXX. I have given them my attorney 's number several times and they just hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit card or prepaid card (Gift card) with U.S. BANCORP (OR).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint: I received this gift card as a  XXXX  gift in  XX/XX/XXXX . I opened the card that day, never used. I did not try to use the card for close to a month? When I did finally try to use it, I kept getting an error with the card telling me I was not able to use it or it was denied. I tried the card i n  XXXX  sep arate stores total thinking it was the store.   I finally called the number on the back. The company told me the card had a   XXXX    balance and when I spoke to the customer service agent, they looked up that the card was used on I think either   XX/XX/XXXX   XX/XX/XXXX   or  XX/XX/XXXX , in California. Not only did I not have the card in the mail as of yet, but I live in Oregon.     I filed a complaint, the  US Bank/ Visa company said they would have me fill out the paperwork. I filled out the paperwork. We are now at  XX/XX/XXXX  and I still have not received my replacement card.   I have called and  US Bank/ Visa said they are still researching the card. I have already been told over the phone they saw charges of the card used in a state I do n't live in. I do n't understand why this has been impossible to get my replacement card.   i feel like  US Bank/ Visa is acting fraudulently by keeping the money from the card and refusing to send a replacement.     This is a  Vis  a Debit Gift Card    XXXX    XXXX  issued by  US B ank

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 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Capital One credit card closed our accounts without any reasons. They are not allowing us to redeem out accumulated cash to purchase a new XXXX XXXX vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OH).
Issue: Trouble during payment process

Complaint: My loan was purchased by Carrington in  XXXX     2017, an d I find their servicing practices to be very non-borrower friendly. First issue experienced is having my payment rise {$82.00} a month in order to build a legal amount in escrow. Even though, through  XXXX   XXXX   XXXX , there has never been an escrow shortage.     Next issue is that starting  X/X/2017   , Carrington will be charging {$5.00} convenience fee on all one-time online payments. This is my method of payment and unsure why I am now being penalized to use this service. I understand I can sign up for automatic payments, but sometimes life just doesnt work out that easy. I feel entrapped to sign up for this service and run the risk of overdrawing my account if the funds are not in there.     These mortgage payments have NEVER been late ; in the 10 years this loan has been active. I find Carrington Mortgage servicing practices un-nerving and a possible CFPB violation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: My personal information was included in Equifax 's data breach this year. I do not want to waive my right to sue, but the company offers no other choice.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (Home equity loan or line of credit) with PNC Bank N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I had made payments on the XXXX mortgage for over 10 years with out a late or missed payment. PNC Bank asked that I pay in full and when I requested a hardship modification in XX/XX/XXXX they sent it to me on XX/XX/2015. When I contacted PNC Bank they indicated I had 30 days to complete it and that my representative was XXXX @ XXXX. XXXX. When I reviewed the documentation is does n't have XXXX 's name or due date. When I contacted PNC again they indicated I had until XX/XX/XXXX. I contacted them again and was told it had to be received by XX/XX/XXXX but should be postmarked by XX/XX/XXXX. No where is this stated. This is the 2nd time PNC has sent me Hardship Documentation with no due dates specified, the 1st time they denied me saying they received it too late. It was too late by a day. This is systemic behavior of 'moving goalposts ' to an avoid a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Mortgage (Other type of mortgage) with loanDepot.com, LLC (NY).
Issue: Trouble during payment process

Complaint: I already filed a complaint with cfpb. I recently refinanced my home mortgage with loan depot.com llc. After I signed the closing disclosure the monthly payment and closing fees increased. Loan depot explained to cfpb the reason for the increase was due to their miscalculation of the school taxes and homeowners insurance. CFPB closed my complaint. My loan depot loan officer said I should be receiving a refund from my insurance, XXXX because loan depot and my former bank both made payments. 
I contacted XXXX, and they never received a payment from Loan depot. 
Loan Depot increased my mortgage payment, closing fees, gave me less cash than promised after closing because of the homeowner 's insurance escrow increase and school properties ... THEY NEVER PAY MY OWNER 'S INSURANCE. I lowered the escrow amount in my homeowner 's insurance, and sent a copy of my most recent declaration page of the insurance to loan depot. I asked them to adjust the mortgage monthly payment because of the new change in the insurance policy. No one has responded to my concerns nor have made any efforts to solve the problem. I 've attached a copy of my new homeowner 's insurance with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/30/2016 about Debt collection (I do not know) with Performant Financial Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently had my credit pulled to purchase a home. I was advised that a collection was on my report from Performant Financial. I have ZERO collections on my credit and this was a unauthorized pull \. I contacted them and they advised i needed to call XXXX. When I contacted them they said there is nothing they can do and Performant needs to request to remove wich they refuse. Ifaxed a request to XXXX as well

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Nelnet, Dept. of E d/Nelnet, and Student Loan Servicing stating   XXXX   XXXX   XXXX   XXXX  , and  XXXX   XXXX  known as  XXXX   XXXX   XXXX  on credit re ports. Nelnet stat ed in the attached letter by  XXXX   XXXX  from  Nelnet ( see at tached letter ) that all loans were excellent and they reported that to the credit reports but the credit reports reflect delinquent negative and missed payments only.   * Loans were consolidated by Federal Loan Servicing in excellent condition ( see attached ) reflected in letter but not reflected on credit reports * Loans have been on the credit report since   XXXX   which is 7 years and legally should be removed unde r Fair Credit Report Bureau but they have manipulated the records the records to make it look like it is less than seven years but I have the origina l that states missed payments since   XXXX    ( see  attached ).    * All paym ents were missed since   XXXX   and the total reflected missed payments since no payments made and can be removed since it has been 7 years and this manipulation of records is illegal * The fact all loans were doubled and in some cases tripled to make my credit look worst is fraudulent. The letter by  XXXX   XXXX  proves that I only had  XXXX  loans but my credit report shows  XXXX   XXXX  negative credit reports fraudulently I need to have account numbers to see if things were double paid and why they are reporting things double the time * Missed payments keep changing too and that is ironic.    * Student Loan S ervicing known at   XXXX   XXXX   XXXX   XXXX   is still derogatory is collection and  XXXX   XXXX  known as   XXXX   XXXX    XXXX  is collection when they were paid off and taken care of and have been in excellent standing since last yea r by Nelnet and a f ew months ago when  XXXX   XXXX   XXXX  took over shows excellent standing but that is never reflected on the credit report and that is the only thing that is true ( see attached no delinquencies   XXXX   XXXX   XXXX   )

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I straightened out an issue regarding a tax amount that the state of VA thought I owed almost 2 years ago. Now I get a letter from a Penn Credit Corporation stating that I owe the amount. I called and stated that the info they have is inaccurate. They informed me that I was my problem that I had to straighten out with the state of Virginia and give them proof. I do n't want to take the time to go through this again. Is n't there some responsibility placed on the shoulders of the collector and at what point does it become harassment?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I currently have a private student loan with XXXX serviced via AES. I have made several attempts to have my monthly loan payment lowered. I have been given conflicting information from several different agents. First I was told that I had to apply with my cosigner 's financial information which I later found was untrue. Then I was told that negative remarks on my credit would be back dated after I applied for loan modification. I was also told that information was missing from my application which was also untrue. ( XXXX AES supervisor did n't know I was on the phone and expressed how she was happy that I hung up. ) After months of attempting to lower my payments, I finally got my application in. I was denied because XXXX felt that based on my income and expenses, I would not be able to afford the lower monthly payment they were willing to offer me. If I ca n't afford the lower XXXX how do you think I can afford the higher payment? AES sets you up for failure and bad credit and it 's absolutely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with College Foundation, Inc. (NC).
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: College Foundation Inc 30 Missed Currently 120 days past due Overview You've paid off -79 % of your  student loan amount. 
Balance {$7100.00} Highest Balance {$4000.00} Monthly payment {$74.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mo ) Term 120 months Payment History Youve made 40 % of payments for this account on time. 
J F M A M J J A S O N D XXXX XXXX XXXX XXXX Worst payment status XXXX Days Late Times XX/XX/XXXX days late XX/XX/XXXX DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE You've paid off -44 % of your student loan amount. 
Balance {$5000.00} Highest Balance {$3500.00} Monthly payment {$52.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Term 120 months Payment History Youve made 40 % of payments for this account on time. 
J F M A M J J A S O N D XXXX XXXX XXXX Worst payment status XXXX Days Late Times XX/XX/XXXX days late XX/XX/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 09-12-2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian credit bureau has been reporting inaccurate information. I have reached out to them and the creditor  XXXX   XXXX . This account is very embarrassing and has caused me miles of  XXXX . The account is reporting neg. and late in which I have paid the account off in full. I am aware that if all of the information is not reported correctly then this account needs to be removed.

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 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CCS Financial Services, Inc. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Someone used my name and date of birth to have immigration XXXX/XXXX XXXX done in XXXX New York at XXXX XXXX office in XXXX 2016. I live in XXXX South Carolina and was at work in XXXX on that day with proof of that. XXXX XXXX office sent the bill to XXXX and when it was n't paid XXXX sent this to CCS, Credit Collections Service. When I received this bill in the mail I called all three business 's with little help. CCS refused to speak to me on behalf of this account. I filed a XXXX with the local police department and I want to make sure that this is not placed on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX mailed Afni in XX/XX/XXXX informing no balance was owed and to close account. They said they would need 30 days. 

XXXX and myself called Afni in XX/XX/XXXX, informing no balance was owed and to close account. They said they would need to investigate if a correspondence was sent in order to release the account. 

Then, disputed the account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX through the 3 major credit bureaus. 30 days later, account remains open with Afni. Results of disputed charge remained open with Afni for {$830.00}. 

Called XXXX again, they confirmed account was closed and paid in full with XXXX however Afni has not responded to request to remove collection account. 

This account has impacted my FICO score negatively since XX/XX/XXXX, fighting this erroneous charge for a year unsuccessfully. 

Afni 's agents seem determined to not escalate to a manager for a closer review and are grossly unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit card or prepaid card (Gift card) with Blackhawk Network Holdings Inc. (NC).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: I attempted to purchase a gift card from giftcards.com and was denied. I thought I listed my card info incorrectly so I tried again. I barely hit the purchase button when I received an email it was denied. I called the company and spoke with a supervisor who stated he could not tell me why it was denied. I had enough money in my account but called the bank, just to make sure something else did n't cause the decline.
In checking online, many people have had the same issue and the company will not explain why you are be declined.
It is unfair that a company can randomly decline you and give you absolutely no information as to why. When you get denied for other things, the business must explain why - this company should also.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Other financial service (Refund anticipation check) with EQUIFAX, INC. (NY).
Issue: Customer service/Customer relations

Complaint: on XXXX XX/XX/2016 i pay {$4.00} to Equifax to look at my credit report most of the information in the report was incorrect i had to dispute all my dispute is completed i call Equifax on several occasion to cancel the account because i was not seeing a whole lot of information all i was seeing was personal information today is XXXX XX/XX/2016 Equifax is charging me {$19.00} to look at the same personal information i pay {$4.00} for i want a refund reason they are using the business solution price

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been dealing wi th Navient for far too long. They are expecting me to pay close to {$1000.00} per month. When I call to speak  to someone, they hang up on me. This has happened several times. When I have tried to fill out the online form, I get an email stating they have received it, but there is no evidence of it on my account, and no one has reached out to me about my concerns. I feel like they are taking advantage of their customers and completely setting me up for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (I do not know) with Nationwide Credit Corporation (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Debt collector NCC Business XXXX has been calling for months. My wife and I are not aware of any past due debts. Having been alerted to this company 's harassing techniques by numerous posts on XXXX, for months I did not answer their calls. Finally I answered and said that we do not have any past due debts, and asked them not to call again. I do not know if anyone was on the other end of the phone to hear and log my request. The calls have continued and I do not answer. Today, XXXX XXXX, 2015, XXXX., I received a call from this number, this time leaving a message. The message said, " We have an important call from NCC. This is a debt collector. Please call ( XXXX ) XXXX. Thank you. '' What I find interesting is that the message is recorded and calls neither me nor my wife by name, nor does it reveal the nature of the debt. From numerous XXXX posts, when others return the call, the representative insists on the caller revealing personal information, including Social Security number, before discussing the nature of the debt. Based on this shady technique, I will not be calling this number because I will not reveal such personal information to what I believe are cold-call debt collectors phishing for information. I have received no letter nor bill from any creditor that indicates either my wife or I are in arrears on any debt. I consider these calls to be phishing and harassing and ask that you help me put an end to these calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation