milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I have a joint account with my nephew at the Bank of America in CT. My nephew has a joint account with his brother also at the Bank of America at the same  location. 

On or about XXXX XXXX, XXXX, my nephews went to the Bank of America to close their account. Bank of America personnel mistakenly wrote the withdrawal slip using my account number and passed the withdrawal slip to my nephew to sign. He did so without verifying the account number on the slip. As a result, XXXX XXXX XXXX XXXX XXXX DOLLARS AND XXXX CENTS ( {$8900.00} ), was mistakenly taken out of my account. 

I had been on vacation. When I returned and saw the withdrawal on my bank statement, I went to the Bank of America on or about XXXX XXXX, XXXX. They explained that the Bank of America had found their mistake of taking the money out of my account to close the joint account my nephews had together, and added that they had credited the amount taken out. On closer inspection, I noticed that the entire withdrawal had not been credited. The Bank of America had shorted me XXXX DOLLARS AND XXXX CENTS ( {$93.00} ). I asked for the Bank of America to make me whole, including interest. I told them I realized that all human beings make mistakes, but that I felt that the Bank of America should make me whole. The lady I spoke to said that she was going to put in a report for investigation. 

On or about XXXX XXXX, XXXX, a man from the Bank of America called to verity the information I had given the bank. He later called me back and told me that I should contact my nephew to get the {$93.00} from him. I disagreed and voiced my dissatisfaction with the decision made by the Bank of America. 

I understand that my nephew signed the withdrawal slip written out by Bank of America personnel without verifying the account number. However, once the Bank of America realized that the wrong account number had been targeted for closure and accessed withdrawing a substantial amount of money from this account, the Bank of America should not have penalized my account, by keeping {$93.00} and returning the rest. I have no understanding and no knowledge of what the Bank of America did with the {$93.00}. My nephews went to the Bank of America to close their account whose number I am not privy to. And, as far as I know, no one has given the Bank of America permission to withdraw and use money from my account for any purpose connected with my nephews ' account. 

I am asking to be made whole by the Bank of America and that my account be fully restored.

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 05-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Billing disputes

Complaint: I been a customer with Barclaycard for couple of years now. On thevXX/XX/2016 I have call the for a dispute matter I noticed on my account. I have stay in contact with them every week. Today XXXX/XXXX/2016 I just fount out my claim was closed because of no communication. I have been transferred couple of times but they would not transfer me to a manager when I asked for one. I have never received a letter in mail or phone call regarding this matter. I am disputing the amount or {$200.00} form XXXX XXXX because I did a online application and was specified to me if my application is denied the money will never been take out of my account. I have the denial letter with all my information. Please help me with this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CURO Intermediate Holdings (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello I have a Fraud alert on my credit report and it was pulled by speedy cash. I NEVER authorized speedy cash to access my report. I tried calling but was disconnected from twice.
Remove this off my report please. I have not applied for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for assistance in saving my home from foreclosure. I hired an attorney who submitted my full complete financial information package to my lender Wells Fargo Home Mortgage on XXXX XXXX, XXXX. Wells Fargo refused to review me for assistance and since that date has refused to accept my application. Now they have filed a Notice of Default and I am in the process of being foreclosed. They have put my account with their re-entry team who said that there is no change in my circumstance and they will not officially review my application. I am told by my attorney that RESPA Regulation X requires my lender to review my full and complete financial application as long as it is received more than 37 days prior to a sale date. It was full and complete and no foreclosure was started at that date. My attorney asked Wells Fargo Home Mortgage for a denial letter stemming from my application submitted on XXXX XXXX, XXXX and they said there is no denial letter because there was no review. Today my attorney called Wells Fargo Home Mortgage and asked them what was the date of the last review done on my mortgage for assistance and they replied XXXX XXXX, XXXX. This is completely unfair and I believe illegal for Wells Fargo Home Mortgage to evade reviewing me for assistance. I was denied XX/XX/XXXX due to missing paperwork. ( See attached letter from last review ) My attorney worked very hard in XXXX XXXX to clear up all of that missing paperwork and Wells Fargo still simply refuses to actually review my case and issue me a finding like they did on XXXX XXXX, XXXX. My attorney states Wells Fargo is doing this because I now have some equity in my home and they simply want to foreclose me without giving me the chance to save my home. Wells Fargo Home Mortgage thinks they are above the law by creating the re-entry team who 's sole job is to evade reviewing home owners for assistance in saving their home. The re-entry team does not issue the 5 day letter confirming they have the financial application, they do not review it in the 30 days required by RESPA Reg X and they do not issue a decision. They simply verbally tell you they wo n't review the file. My attorney finally got Wells Fargo Home Mortgage to issue a letter stating this on XXXX XXXX, XXXX ( Attached ). However, other than that letter I have never recieved any correspondence from Wells Fargo Home Mortgage regaring my application which was submitted on XXXX/XXXX/XXXX and confirmed received by Wells Fargo Home Mortgage on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX my attorney spoke with Wells Fargo Home Mortgage and they verbally told them that they are refusing to review the application and no letters or findings will be issued in writing.

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 06/15/2017 about Checking or savings account (Checking account) with DISCOVER BANK (DE).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: 1. A mount a.  XXXX  Check deposited  XXXX   XXXX ,    2017  b.  XXXX   XXXX ,   XXXX   called Discover Bank over check being mailed in due to fund 's not being available and make sure they did n't deposit the check twice, due to it was mobile deposit.   c. Check amount in ( a ) redeposited again  XXXX   XXXX  email  d.   XXXX   XXXX ,    2017  {$70.00} removed from my account and the positive amount account rendered to - {$57.00}.   e. Called Discover bank and they told me " they would return the funds back and what else they removed '' but have yet to do so.    2. Com plaint a. Already addressed situation  with ( Discover Bank ) and t hey have yet to keep there word.   b. They took over a week to make another small deposit into my account on  XXXX   XXXX ,  2017  of {$2.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on my home mortgage from XXXX XXXX XXXX. I received a letter from Wells Fargo Home Mortgage dated XXXX XXXX, XXXX that the loan was transferred from XXXX to them. I had no prior notice of this from XXXX or Wells Fargo. I thought I was to be sent a notice of assignment 15 days prior to the transfer/servicing of the mortgage. Section 6 of the Real Estate Settlement Procedures Act..I went to XXXX, Va. court house and got a copy of the deed and the date of assignment on the deed is XXXX XXXX, XXXX to Wells Fargo Home Mortgage from XXXX. I feel I was mislead by Wells Fargo by the letter they sent me on XXXX/XXXX/XXXX. I have been making payments to Wells Fargo since XXXX/XXXX/XXXX and was told on numerous times they held the deed to the property, when in fact they did n't.

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 01/16/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: The big XXXX Credit Agencies have no authorization from me to collect, store, and sell my financial information, nor evidence of written authorization of the same. This issue applies to me just as it applies to all people living within the United States. 

Credit information is no different from a personal work profile. The example is XXXX. But, at least LinkedIn participation is a matter of choice. There is a master agreement to participate with XXXX XXXX. But, there is no such agreement with Experian, XXXX, or XXXX. Credit reporting is a forced participation, and its existence and easy access allows for identity theft related crimes to occur. Worse, as an unwilling participant, I am forced to pay a fee to have that information locked.

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 10-07-2016 about Debt collection (Payday loan) with J Northland Group (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: J Northland called me stating I will be served with legal papers and responsible for legal fees. A warrant out for my arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (I do not know) with American Coradius International LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This agency is representing a client " XXXX XXXX XXXX '', who is under intense scrutiny for having inaccurate documents on hand concerning debts owed. In fact, I have no knowledge of such account, in fact, this collection agency attempted " XXXX aging '' of the alleged debt to make it appear newer than it actually is. The creditor/collection agency can obtain all account opening documents, including with signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I recently submitted financial information to Navient for the IBR annual review. I received notice from Navient that they had received the documents but received an additional email stating that 'one of your loans can not be considered for IBR ' or words to that effect ( my loans were consolidated years ago ). I called to clarify this issue as it made no sense. I was told 'do n't worry about it. It 's a mistake and we 've received lots of communications from others who got the same mistaken information. ' This is the second time that Navient has sent mistaken emails to me after I sent documents required and requested for IBR review. It 's very XXXX to get these mistaken communications. And it 's disturbing to understand that many others are receiving similar emails. I have not yet received the results from Navient regarding my new monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Problem with fraud alerts or security freezes

Complaint: After the recent XXXX data breach, I tried to place a security freeze on my report at Experian. I was able to do so at XXXX and XXXX with sub-5-minute ease, but both the online and phone avenues at Experian proved to be dead ends, demanding documentation be mailed to the much in excess of the other two credit reporting companies. I could find no number to contact a human at Experian, and find the suggestion of contacting them by mail disingenuous, considering time may be of utmost importance in a fraud situation. A quick XXXX search reveals there are many encountering this problem. Experian needs to quickly simplify the process of online and phone credit freezes along the lines of the other two organizations.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX I sent a letter to Navient requesting that they remove two inaccurately reported 90-day late payments from XX/XX/XXXX from my credit report. All 8 of my federal student loans which  were serviced by XXXX XXXX/Navient were in forbearance at the time of the alleged late payment, yet for some reason two of them are showing as 90 days late on my credit report. I included a letter I received from XXXX XXXXNavient in XX/XX/XXXX showing the dates of my forbearance which included XX/XX/XXXX. If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly Navient " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all 3 credit bureaus and they continue to confirm this information is accurate with Navient. I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: During the years XX/XX/XXXX-XXXX I applied for and received student loans served by XXXX XXXX and later turned over to XXXX and still later to Navient in the amount of {$5700.00} ( total ) in order to take classes at our local XXXX college while navigating single motherhood and working part-time. I made regular, scheduled payments on these loans as required until XX/XX/XXXX. 

In XX/XX/XXXX I registered for XXXX XXXX XXXX based on their advertised program accreditation and their claims to a high percentage of graduates placed in well-paying jobs. I took a student loan in XX/XX/XXXX for {$10000.00} for tuition at XXXX XXXX XXXX The loans were processed with a series of payments and adjustments which were confusing and impenetrable. On XX/XX/XXXX there was a disbursement of {$10000.00}, followed 8 days later by a payment of {$4500.00} ; on the same day there was a disbursement of {$13000.00}, and an adjustment of {$7800.00}. As of XX/XX/XXXX the total amount with interest that I owe is {$24000.00}. 

I continued to work toward a degree through the XXXX XXXX XXXX, make loan payments, work full-time, and raise a child on my own until XX/XX/XXXX XX/XX/XXXX when I lost my job as the XXXX XXXX  XXXXXXXX at a local non-profit. During this time Navient took over the processing of my loan, and I began to receive threatening documents from Navient saying they would garnish my wages and seize my bank account, but that I could easily cancel these draconian actions by deferring payments. Over the course of the next few years, whenever the deferment period was ending, I would receive emails from Navient stating that to continue to defer the loan, I could just click reply and type the work YES. There were never any suggestions of loan modifications or alternate ways to pay down/off my loan. 

During the recession that followed, I continued to struggle for employment and under the debt load which had fallen on me during this time, so I continued to accept the periodic easy deferments offered by Navient. I was forced to declare bankruptcy in early XX/XX/XXXX. I originally sought to declare bankruptcy in XX/XX/XXXX, but it took me many years to save enough money to cover the lawyer and filing fees. 

Almost fifteen years on, I have no degree from the fraudulent XXXX XXXX XXXX and a student loan load of some {$25000.00} - despite years of payments - weighted with the accumulated capitalized interest of a decade of deferment. 

Navient clearly failed to inform me of all of the options at my disposal to discharge my debt. Without a XXXX degree, it has become almost impossible to finding meaningful work that pays well enough to live on, especially as single parent. The sneaky and deceitful tacits employed by Navient to line their pockets by strong-arming me into multiple deferments without all the fact has essentially financially hobbled me and my family. I respectfully request that this loan be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: When I was called on the XXXX/XXXX/15 I informed the collector that I was aware of the debt, but that the due date for payment was not until XXXX/XXXX/15 and that I had written confirmation from the original owner of the debt ( this resulted from charges following vacating an apartment ). I also told them that I would pay the original creditor on or before the due date provided to me and requested that they not call me. I received a second attempt to collect a " debt '' today XXXX/XXXX/15 for a debt not even due yet. 

I have written information from the original creditor that specifies a due date that has not yet passed. 

I requested not to be contacted in my original conversation on the XXXX of XXXX. 

This debt can not be valid because the date payment is due has not passed. 

When I explained these things my call was terminated without notice and no resolution was given.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
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: In XX/XX/XXXX my son opened up a XXXX XXXX credit card. Several years later he put me on the account as a signer. ( during those years XXXX XXXX sold those accounts to three different banks ) My son attempted to take me off the account as a signer in late XX/XX/XXXX and was advised that this account was now a joint account and I could not be taken off. He wrote to XXXX XXXX   and adived them that this joint account status was incorrect and asked for them to supply proof that both my son and I signed the application when the account was opened. 
XXXX XXXX wrote back and advised that they purchsed the assets from XXXX XXXX XXXX in XX/XX/XXXX and they had no proof that the account was a joint account as they could not locate a copy of the credit application. 

My son became XXXX in XX/XX/XXXX and I am his full time XXXX. My son stopped paying this and other bills as he is now XXXX. 

I need to keep my credit rating up and this mistake has hurt my credit scores on all the reporting agencies. I understand that the full amount on the account, about {$24000.00} was charged off last month. 

I understand that the Fair Credit Reporting Act says that the reporting agencies must show proof of the various claims or take the negitive comments off the report. Clearly in this case this has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Billing disputes

Complaint: I attempted to purchase a mobile text gift card through XXXX with my paypal account. The payment did not authorize but it still came out of my Paypal account as a pending transaction. I called XXXX and XXXX told me to contact PayPal. Paypal then told me to call XXXX and tell them to void the transaction because it 's not authorized. PayPal stated they wo n't give me my money back for 30 days. I 've filed several complaints about purchases I have not received or that was not authorized and they wo n't give me my money back. For once I would like my money back after I complain about not receiving an item. The invoice number is 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 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XXXX XXXX XXXX I attempted to obtain my credit report from Equifax on the XXXX website. I completed the information and got this response with np explanation. This was the response. Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

As a XXXX XXXX I should n't be treated this way. I tried to contact them with no response. I wish to make a formal complaint about their failure to comply with federal law. There response makes it difficult for myself and I believe violates the Americans with XXXX XXXX. What are the procedures to formally censure the Equifax for not following the law? Thank you,. 



XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2017 about Debt collection (I do not know) with Conn's, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: They have failed to give me a chance to dispute the debt nor have they provided validation of debt.

Company response to consumer: Closed with explanation