milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: Hello, On XXXX XXXX, I electronically transferred some money from my Wells Fargo Business account to my Wells Fargo Checking account via my web account. Just so you now, these are linked together online. The reason I made the transfer was to cover a subsequent electronic payment of estimated quarterly tax to the IRS the next day. 
When I logged in to my Wells Fargo accounts online, I discovered that my Checking account was in the red because there was insufficient fund in my Checking account. Payment went out to the IRS the next day as expected, however, money was not transferred from my Business account as I earlier requested online. So, I immediately went ahead to electronically transfer funds from my Business account to my Checking account in order to more than cover the shortfall. I then called Wells Fargo to alert them about this incident. After about 30 minutes on the phone, they confirmed that there was indeed a glitch on their system on XXXX XXXX and/or XXXX. When I asked them why they did not take steps to inform their customers about this, they said this information is only shared with customers who called in to complain. I was surprised by this statement. I further asked them to ensure I am not charged an overdraft fee as they typically do when there is insufficient fund in my Checking account, even if there is sufficient fund in the Business account. This is another issue I 've raised with them on a couple of occasions. However, they claimed I could not automatically link my Business account to the Checking account for overdraft purposes, despite the fact that I was the sole owner of my business and solely operate the Business account. They informed me that I would have to manually make transfers online whenever I expect a shortfall in the Checking account. Anyway, going by to my first issue, I found out on the XXXX of XXXX that I have indeed been charged an overdraft fee for insufficient fund in my Checking account on the XXXX of XXXX, despite the fact that this was entirely Wells Fargo 's fault. I am very inconvenienced by this and would like action taken to ensure this does not occur in future. Thank you for assistance. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My current mortgage loan is with Nationstar. I am constantly getting calls for my payment on the first week of the beginning of the month. I legally have until the XXXX of each month to pay it. They leave messages on my answering machine and feel like I 'm being harassed. I have never been late on my mortgage and feel like this is unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an account on my credit report from XXXX XXXX with XXXX. For balance it says XXXX and for high balance it says XXXX the information is incorrect. This account was also removed from my credit report and keeps reappearing. It was removed because of the amount being incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Victim of fraud - the criminal has been prosecuted and is serving a prison sentence for the crime. Even after submitting documentation verifying the public record that the responsible party was convicted and the account was opened fraudulently the finance companies refuse to remove the incorrect negative information from my credit report according to the FCRA.

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 06/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I contacted XXXX XXXX which then became Navient without my knowledge until I received an email from Navient. XXXX XXXX did not warn me about the company changing over, nor did they update me with contact information for Navient. I have received SEVERAL emails that I still poses forcing me to make payments while I was in school. I was always told payments are to be in derferment if the student is enrolled in a certain amount of credits for the semester. Well, I received emails telling me I was delinquent on payments, and how I needed to contact them right away. The emails told me payment was coming due because of the terms changing on my loan. I tried to call them to work out a plan a while back, but they told me they had no plans to fit my needs. All I constantly received was emails telling me the term for my loans have changed and I had to pay this amount by this date. This was unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with FIRST NATIONAL BANK OF OMAHA (AZ).
Issue: Customer service / Customer relations

Complaint: Have an XXXX card from 1st Bank, Omaha, Advertising tells of many benefits including points for room cost reductions. Can not get full info on what points are worth. Many hoops to jump through to convert points so may use etc. Neither XXXX nor the bank is helpful on explanation. Bank is now ignoring requests for information.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My dedicated loan specialist at Nationstar refused to provide me with an email address to discuss my account and help to resolve several issues. I have tried contacting my assigned representative over 15 times by telephone and we have not spoken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I went to an emergency on XXXX/XXXX/2016 to XXXX hospital ( XXXX PA ) XXXX XXXX, XXXX XXXX, Ca n't XXXX After a month I started to receiving the bills I have paid all the bills and the situation was over.
A month ago a collection agency is calling me for a medical debt ( I though it was a scam ) I call the hospital, many many many times, and noone has an explanation for me about that debt. They said you dont owe anything.
I did a research and collection agency is true, its real, there is no scam I went to the XXXX hospital today in person, after insist with diferent departments and diferent people ( back to back calls ) They told me that for the emergency attendance I should recieve 3 diferent bills, from 3 diferent companies. 1 ) XXXX 2 ) XXXX- XXXX XXXX 3 ) XXXX the doctors I only recieved 1 and 2 bills. Bill 3 ( the doctors ) I never recieved a bill from them, a call from them e- mail from them, nothing at all.
I call them And they said, yes you owed money but, because we could n't reach you, we send you to collections, fresh and simple as that.
Someone made a mistake when the put my information, someone did something wrong. I still do not understand how 1 XXXX and 2 XXXX send me the bill without any problem and XXXX XXXX XXXX did n't found me, its a mystery.
I am totally ignorant on the medical field and how they proces a bill through diferent companies. And because of that I am in a collection agency.
To finish this complaint I want to mention that, the day that I XXXX XXXX XXXX, after hours at the hospital the doctor told me, you do n't have anything just put some Ice on it. But thats another story ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I mailed a letter on   XXXX   XXXX   XXXX     certified mail stating the year of birth was incorrect. I also sent in proof with this lette r ( I dentification card, birth certificate and social security card ). I received a response back on   XXXX   XXXX   XXXX     stating they have reviewed my concerns and the information is correct. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623 (  b ) (  2 ) and 611 ( a ) ( 1 ) , it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 9 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for the wrong birthday that does not belong to me.. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In complaint XXXX my concern is that Equifax will not explain why I can not access my report online. This complaint is because cfpb closed that complaint without requiring that the issue be addressed by Equifax. 

All I am asking for is that Equifax explain why it will not allow me to have online access to my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (AZ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Hello, My Bankruptcy included my home in XXXX WI that is now serviced by Ditech. My Bankruptcy was discharged in 2015 and has always shown as discharged under bankruptcy however they are now reporting that I owe and the account it open showing amount due, days late etc. I never reaffirmed the loan and under the Fair Credit Reporting Act they are falsely reporting and this is a legal liability on Ditech 's part. I appreciate your assistance as this is causing a serious issue for me with my credit that I have worked so hard to rebuild since the losses of divorce and bankruptcy. I was on hold with Ditech over two hours and they did not take my call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The company is Equifax. 

I never gave direct authorization to that organization to use, in any manner, my personal data. I have found out that they have been using my personal data, storing my personal data in a manner that allowed the data to be accessed by an unlimited number of third parties, and they were profiting off of my data without compensating me for use of my personal data. 

On XXXX XXXX I became aware that Equifax provided my personal information, without my consent, to an undisclosed party, and that they did not properly safeguard my personal information. There are now damages, and my personal data, against my wishes and my personal attempts to protect my data, has been violated and provided to parties that they have provided my personal information to sources that can destroy my credit reputation, name and history, resulting in higher costs, damaged credit, and irreparable damage to my future costs of borrowing and protecting my personal data. 

I have never provided any written authorization to Equifax to use any of my personal data, which is copywrite protected and owned by me, for any purposes and they have violated federal laws in stealing my personal information, and then failing to protect my personal information, selling data about me without my consent, and failing to protect the information which they had collected. 

I am seeking {>= $1,000,000} in reimbursement to cover all necessary legal, financial and reputational costs incurred, and potentially to be incurred over my lifetime for the egregious violation of my rights and federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: TD Bank denied renewal of my home equity loan solely on the basis of age discrimination. This was not caused merely by poor customer service or incompetence, because no business can survive operating like that. 
Instead, from the start they were determined to undermine my income by repeatedly losing documents ( XXXX, XXXX. proof of consistent bank deposits, etc. ) I mailed and faxed those papers to them at least three times. Then they mysteriously disappeared. They then based my income solely on Social Security. I submitted proof of over $ XXXX, but they kept losing the paperwork. 
When informed of their decision I was not " credit worthy '', they also said I had numerous delinquencies. I immediately got a copy of my credit report that repeated XXXX words -- never late. They also claimed that an anonymous third party ( other than a credit bureau or appraisal company ) gave them extra ammunition to judge me an undesirable client. I have asked for that information several times, but TD Bank refuses to divulge their source. Are n't they required to do so under Federal law? 
It is truly a case of blatant age discrimination, because they believe they can scare and intimidate people over XXXX. Not so!

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax refuses to provide the free credit report online or by mail. The last time that I was able to obtain my credit report online was on XXXX. Since XXXX, they always ask XXXX bogus questions to verify my identity, which I correctly answer as " None of the Above '', then they tell me that they ca n't verify my identity and that I have to apply by mail with copies of my driver 's license and SS cards. I have done that and still never get my credit report back. This year, I tried again and, once again, got the XXXX bogus questions. This only happens with Equifax XXXX give me my report without any problems. A quick XXXX search for " Equifax '', " Credit Report '', and " None of the above '' will yield thousands of complaints from other users for the same problem that I am having.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Credit card debt) with NORTHLAND GROUP INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company sent me a collection letter XXXX XXXX 2017 and when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the reference number furnished on the letter. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late on XX/XX/XXXX 2013 and XX/XX/XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Account opening, closing, or management

Complaint: I opened a CapitalOne360 account yesterday and set up an ACH draft tomy credit union. I specifically asked when the ACH would occur and theyexplained that they would first send two small deposits to the credit unionand then I would have to " confirm '' those deposits before the initialtransfer to my new account would occur. This was confirmed by anumber of web pages on their www.capitalone360.com web site. 
This morning, less then 24 hours after opening the XXXX account andwith no small deposits to confirm, they drafted my checking account for {$50000.00} which caused me to incur a transfer fee of {$3.00} at the credit union andexposed me to additional fees had I not caught this situation at once. 
I am concerned that their web site and call center staff are eitherintentionally or inadvertently providing incorrect information at thepotential expense and inconvenience of consumers and I would like my {$3.00} back. This is not about the {$3.00} but the principle of what they aretelling their new accountholders both personally and on their web pagesand their response to my concerns which involve hiding behind '' procedures '' rather than just acknowledging the issue and refundingmy fee. I escalated the matter to a manager who also stonewalled untilthey could conduct " research '' into the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-05-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There are three accounts listed with this collection agency being reported with credit bureau agencies that is not my debt. I have continuously asked for proof of validation and they keep replying with copies of bills and 5 letters indicating the same thing for each creditor.
I have sent three letters w/i a 90 days to this debt collection agency, validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them and they have failed to provide the information requested as there is no evidence to provide. In a letter dated XX/XX/XXXX & Two letters dated XX/XX/XXXX, they stated that they will not continue the investigation and have reported this fraudulent account to the credit reporting agencies which this account is not valid. I would like this account ( s ) removed at once.. 

XXXX XXXX Acct # XXXX -- {$2200.00} XXXX XXXX-Acct # XXXX -- {$600.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX -- {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law, which went onto effect XXXX XXXX, 2017, any public record data must include name and address as well as SSN and DOB in order for it to appear on my credit file. As seen from my attachments, the credit bureaus have not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit report

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 01/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I refinanced my loans away from FedLoan. A payment was made in the amount of {$10000.00}, however FedLoan misapplied the payment equally across all of my loans rather than paying off the higher interest loans I intended and instructed it to. It should have instead been applied towards paying off the following loans, in full, in order : XX/XX/XXXX Direct Sub Stafford Loan ( 5.75 % ), XX/XX/XXXX Direct Sub Stafford Loan ( 5.35 % ), and XX/XX/XXXX Direct Sub Stafford Loan ( 4.25 % ). It should NOT have been applied to the XXXX Direct Sub Stafford Loan ( 3.15 % ). This will cost me much money in the long term, as now the higher interest loans have not been paid off as instructed while the lower interest one has, earning FedLoan more money than they are entitled to ( at my expense ). Please fix this payment issue and correctly apply the payments to the loans as they should have been applied in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have written/se nt 3 certified letters to Transunion and   XXXX   on 3 s eparate occasions to dispute an inaccurate Public Record/US BKPT CT GA that is being reported on my credit report. In my letters, I requested TransUnion and  XXXX  provide me with any and all information that proves/verifies this information belongs to me if the inaccurate  Public Record was not removed. The only information I received after multiple requests for removal of the inaccurate Public Record is an updated credit report stating that the item in question was verified or verified as accurate. I have never received any supporting documentation on how they verified and came to this conclusion.  I feel that MY RIGHTS have been violated as a consumer and I am requesting your assistance with this matter to have this inaccurate Public Record/US BKPT CT GA removed from my report.

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