milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Wells Fargo is in violation from XXXX XXXX XXXX XXXX. in XXXX, TX : VIOLATION # 1 : This locations told me that I need to get a Power of Attorney in order to sign for my husband 's checks. 

The violator : XXXX XXXX between X/2017 - X/2017 VIOLATION # 2 : I was severely inconvenienced.

VIOLATION # 3 : My husband NO LONGER HAS A CHECKING ACCOUNT with Wells Fargo which in the negative of - {$260.00} or so because I could NOTEver get a Joint Banking Account. 

They have gone against bank regulations regarding who can sign for husband 's or wives according to the Consumer Finance Protection Bureau. SEE ATTACHED DOCUMENTS. Police Incident Report is a LEGAL DOCUMENT IN WHICH MY HUSBAND STATES TO THE POLICE THAT I AM HIS WIFE. 

In passing I ran into an attorney, who said all I have to do is open an account for my husband and I. Show the necessary legal document showing that were married. And that I do n't need a POA to sign for my husband because I am his spouse. 


I am the agent. Anyone after a spouse would have to get a POA. There is a clause that protects you as " the spouse ''. 

*********NOWHERE DOES THIS STATE THAT I NEED A POWER OF ATTORNEY**** The banks need to be exposed for not honoring the fact that you are his wife. He does not have to be there to sign. You are not committing fraud because you are getting what you are entitled to 50 % which your portion of the community property. This law is located in the Texas Penal Code. Not only is the bank going against CFPB but the TEXAS PENAL CODE. You are NOT forging his name either you both are married and that means ONE. Verifiable : Screenshot of CFPB bank regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Student loan (Federal student loan servicing) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This is my second complaint, since the first was closed due to the company responding. The representative at Bank of America miscommunicatrd with me the outcome of the investigation of my missing loan payments. XXXX XXXX from the regulatory compliance department informed me that she would be sending me back all my documents that was submitted for payment to bank of America for my paid in full loan payment, stating that I do not have a loan with bank of America and I should be sending the payment to XXXX, the servicer. I was expecting to receive all my documents when XXXX XXXX sent these documents back via XXXX. Immediately upon review on XXXX, I called XXXX XXXX informing her that documents are missing and i demand a call back immediately. It 's been 4 days and I have not called back again because XXXX called me back to back when she thought this investigation was coming to an end and she was helping me but now there is a problem again, I have n't received a return call. The value of this instrument is XXXX and I want to be credited for this payment immediately, I have followed all administrative procedures in contacting them and informing them of my intention to sue if I do not receive proper credit for this loan. Now she told me I do n't have a loan with them, although XXXX uses bank of America for payment processing, but yet they never sent my original payment back, that i not only walked intp a local branch to submit, but had to pay a {$XXXX} processing fee for it to be sent to the processing department because im not a bank of America XXXX XXXX next step will be to sue with the bankers at my local branch being named as defendants along with XXXX XXXX XXXX XXXX. I refuse to believe this document has been lost. It was accepted on XXXX XXXX and received my processing on XXXX XXXX. I still have not received any acknowledgement that my account has been paid In full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: tried to get a modification through carrington mortgage services, that 's who services my loan. I am 7 years behind on payment do to lay offs, been working steady last 2-3 years making XXXX more dollars a hour then when I bought the house. I been trying to get a modification for years and no luck. I have filled out and sent back modification after modification to be turned down. XXXX tried to help, We had 2 meetings, 1st one carrington said it looked good and might be able to help us. 2nd meeting did n't say much, know I am heading for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I went to the XXXX XXXX and because I got an XXXX degree and is not a XXXX degree from an accredited XXXX year college I ca n't find a bank to refinance my private student loans. I have XXXX private loans which range from XXXX, XXXX, and XXXX interest rate. It has been XXXX years since I graduated and because of financial hardship a few years back, most of the loan principle balances are more than I originally borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Deposits and withdrawals

Complaint: Missing debit/credit on ledger. I have a Hassle Free Account attached to my personal Checking Account at Key Bank. The Hassle Free account is used by my son who goes to school away from home. My son buys a week long subway pass every week in XXXX. On XX/XX/XXXX he tried to purchase a week long subway pass. The money came off of his debit card but did not transfer to his XXXX XXXX. He alerted the XXXX personnel and they said that they had processed a credit to his debit card. They said that the credit would show up in a few days and that if it did n't we should notify XXXX to get the money back. The charge showed on his ledger as a debit until XX/XX/XXXX and then it just disappeared off the ledger completely. ( He subsequently bought another pass that is debited on XX/XX/XXXX. ) This is extremely problematic and just exemplifies once again Key Bank 's Magical Accounting. If this has happened to my account without any explanation, how often does it happen to others. If a charge comes on the ledger then it either is debited from the account or credited back to the account, but it does n't just disappear. If I did not pay attention to my account as I do, then this might not have been noticed. I have attached statements from XX/XX/XXXX ( this one shows the charge in the pending section and also shows that my son bought another pass on XX/XX/XXXX. that charge was completed ) XX/XX/XXXX that is the first day the charge was missing and XX/XX/XXXX which shows that there is no charge on the ledger. I have documentation of the days in between to show that the item is missing and can supply these if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am unable to contact my student loan servicer provider after the loan was acquired by a new firm. I had dialed the number that was provided by XXXX however due to a recording that stated my hold time would be 28 mins - 121 mins I had requested a call back ( per their automated system ) however the company has failed to return any calls. The company is Heartland ECSI tele XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I joined the XXXX in 2015 and my loans from NAVIENT were not deferred. I was reading your website and it says military Members are eligible for deferment during XXXX XXXX. 
NAVIENT is claiming that they are not required to defer during my time in XXXX and military schooling. 

Is this true and what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (FHA mortgage) with BANCO SANTANDER PUERTO RICO (PR).
Issue: Loan servicing, payments, escrow account

Complaint: We complied with a chapter XXXX. Once we received our release the bank states we are behind a month on our mortgage payment. I stated to the bank this can not be and followed proof. Till this day the bank is still not honoring my request to update and make us current on our mortgage payment. I filled a formal complaint with the state commissioners office for financial institution only a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NV).
Issue: Application, originator, mortgage broker

Complaint: Earlier this year my VA Mortgage was transferred to Carrington Mortgage Services for unknown reasons from XXXX XXXX XXXX. I elected to refinance with Carrington and was assigned to XXXX XXXX ( Loan Officer, Regional Sales Ctr. Inside Carrington Mortgage Services , LLC ) back in XXXX of 2015. The refi had changed from cash-out to streamline throughout the process and after many failed attempts of attempting to get a hold of her and her supervisor ( XXXX ) I elected to start searching elsewhere after several misleadings by Carrington as a whole. For instance, XXXX left a voicemail for me on XXXX XXXX stating, " please give me a call wanted to find out if you 're going to be available for a closing we finally got the exception we needed ... '' I finally contacted XXXX approximately one week later letting him know that I would no longer be closing with them and that I 've elected to utilize a different company. XXXX stated that he would close out my application and in the mail I received a, " Statement of Credit Denial, Termination, or Change '' stating " Application Denied. '' I find this to be gross misconduct and misreporting on the bank 's behalf and request that appropriate actions be taken. 
Throughout the time that I was dedicated to the process with XXXX and XXXX there were numerous other ill-conduct actions on their behalf, such as in an e-mail on XXXX where I am told, " ... to not make your XXXX payment ... '' and on XXXX am told that I had to make that payment and that I misunderstood what I was told. In the early part of XXXX I am then told that the rate lock had expired and that my rate was being increased from 3.825 % to 4.125 %. I disputed that and it was brought down to 3.875 % as supposedly there is no 3.825 % which I had been signing papers for from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be turned in when I was no longer able to pay the loan. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I have no knowledge of auction or any results from my many letters and disputes. I disputed the debt many times and requested validation. I also requested the item be removed from my credit due to failure to properly validate. Equifax failed to conduct a proper and thorough investigation that I am entitled to and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line stating "repossession",  my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with EQUIFAX, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Bank account was charged off. Account was paid in full to XXXX. I spoke with XXXX Bank XXXX, rep id XXXX, in XXXX at XXXX on XX/XX/2016. I asked XXXX why XXXX Bank was still reporting this item as a charge off when it was paid and should either be deleted or listed as closed or paid in full. XXXX referred me to XXXX and advised that he did not have information regarding the charge off and I would have to contact them. It should be noted that I have proof that the payment was made to XXXX, and still maintain proper receipt with confirmation number as well as the account number in question listed on the actual receipt, which I have attached to this complaint. 

I am concerned with this as I know for a fact that I rectified this account and XXXX Bank still continues to list this item as a charge off. This is affecting my good credit record and continues to affect my credit rating. 

Any assistance in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (I do not know) with AllianceOne Recievables Management (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company reaged debt and made my credit score plummet without my authorization. In addition, i have tried multiple times to see what debt this is and every time i call them they can not locate my debt. Soemthing is severely wrong here! 

ALLIANCEONEXXXX XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency ALLIANCEONEOriginal Creditor XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsALLIANCEONE REC MGMT XXXX XXXX ( XXXX ) XXXXSee something wrong? 
Learn more about how to dispute items on your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America has submitted a false and inaccurate report to the consumer credit agencies and has caused me great financial and personal harm.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company has been putting things on my credit report that I do not owe for. Originally my debt was sent to another company. I paid XXXX originally back in XXXX of 2016. Now they have sent this to another company. In all this has cost me nearly XXXX point on my XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Shortly after we moved out of our apartment, XXXX apartments put a {$500.00} collection on our accounts. We left the apartments in good standing, having paid the last month 's rent prior to moving out. XXXX had also never notified us of any additional amounts owed after we moved out. I managed to come across the collection as an alert had come through on my credit monitoring application. 


Me nor my wife are responsible for anything that happened to the apartment after we turned in our keys. I am requesting a full disclosure and verification of debt on this account. I would really like this matter to be resolved as early as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have a joint checking account with my mother at Capital One bank. My mother is the primary account holder and recently XXXX XXXX. Even though I am a joint owner and should have equal access, Capital One froze the account and refuses to release the funds without a copy of the XXXX certificate, which may take a while due to some issues with the doctor signing the certificate. My mom opened this account with me with the intention that I would be able to access the funds in order to handle expenses when she XXXX. Capital One did not properly disclose their practices when the account was opened. As a joint owner, I should have equal liability and benefit in regards to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: DiTech, appears to randomly placed reallocation of money on my mortgage. After two calls they are unable to tell me why my principle increased. The principle on XX/XX/XXXX statement was XXXX, we made at least two payments of XXXX against principle on XX/XX/XXXX and XX/XX/XXXX. My statement of XX/XX/XXXX reflects total of XXXX If Ditech, as done this to a significant number of clients, the additional interest they are getting could be astronomical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The Loan servicer Navient has added more than double the amount owed as the amount of student loan and is reporting inaccurate information. I believed that most of this has been paid. I asked for records with the loan servicer and they are unable to provide where the information came from, I contacted the state of Michigan and they gave me several pieces of accurate information. The servicer is reporting more than double the balance that was transferred to them and in the past 7 years the loans were almost paid off until they were sent to Navient. I have paid over {$18000.00} and now the loan amounts have more than doubled. I have contacted Navient several times in the past 6 months and they still can not provide information on where the balances came from.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WI).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I was sent an of fer by American Express for a Delta Skymiles Gold Card i n  XXXX   2017 . I have had this card before but had cancelled due to high annual fee. I applied on-line and was approved immediately. My card came in the mail within a week.     This offer included first year free plus  XXXX  miles after reaching spend amount of {$3000.00} in first 3 months.     After I reached the spend level, I called to find out when my miles would be credited. I actually called twice because they were n't showing up. I was finally told I needed to wait 90 days. I continued to use the card and have spent close to {$8000.00} since enrolling.   The 90 days came and went but still no miles.     I called the company again but this time was told since I had the card before I was n't eligible for the bonus miles. They informed me that this was disclosed in the terms and conditions. I did not see that when I went thru the application process and informed them that regardless why had n't I been told this earlier by anyone I talked to. They informed me that the agents probably did n't look into that level of detail on your account.     I feel like this was misrepresentation and deceptive advertising. I would not have applied for the card or minimally would have stopped usage had any of the agents informed me about this. I feel they let me continue to spend and only informed me when I pressed about the miles.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Closing/Cancelling account

Complaint: I had a Home Depot credit card for years with a high creditlimit and never fell behind, always made more the minimumdue and all of a sudden without warning I got a letter froma collection agency saying my card was shut off accountclosed and I owed my balance asap or it was gon na ruin mycredit. So while I was talking to the people I asked them whythis happen what have I done ive been a perfect customerand could n't tell me. So right then they said if you pay thisamount they will wipe it clean so I did exactly that.. Thereceived what they asked for within 5 days. so I calledhome depot I honestly was very devasted and could n't understastand what happened. So I called and called finally reachedsomeone back at the collection agency because home depotwould n't talk to me that because a user on my card XXXX who has never used my card or had possession ofa card filed bankruptcy, which he did n't fall through with hehad to do it over a short sale because the mortgage companywas being a jerk even though we had a signed short salecontract for more then what was owed to XXXX theywere being jerks ... So I feel that it is n't right that this happenedI did nothing wrong and his bankruptcy which can be lookedup was never followed up with we had to do it cuz alawyer told him too ... So please look over and help me out..Ido n't see why it should be bad on my credit report. I wouldhave taken his name off hes never used my card ever! Theycan check theres XXXX different numbers on the cards ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief