milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have asked equifax several times to remove hard inquires that do not belong to me and they refuse. The ones that do n't belong to me are XXXX XXXX XXXX and XXXX XXXX XXXX XXXX dated XXXX17 and XXXX XXXX dated XXXX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (OH).
Issue: Deposits and withdrawals

Complaint: To whom it may concern : I opened a Wells Fargo Everyday Checking in XXXX 2016 online as there are no branches near where I live and my son ( an existing Wells Fargo customer ) told me that there was a promotion that Wells Fargo was running. Given that Wells Fargo is XXXX the strongest banks in the country, I thought it was a good opportunity to open an account and start a relationship in case I needed future products like credit cards or mortgages as well. 
I subsequently received my account number, debit card and debit card PIN in the mail. I returned the required signature card after I signed it as well. 
However, there is a fraud alert on my account which I discovered after I could not sign up for online banking successfully. When I called into the fraud department on XXXX XXXX, 2016, I was not given any help that was even remotely useful. I was told that I have to go to a branch with XXXX forms of ID. I do n't live near a branch ( the closest branch is about XXXX miles away ). 
Attached are my driver 's license and passport to verify my identity. 
Finally the bottom line is that if you are n't going to be helpful and clear the fraud alert and allow me to set up online access to my account, then just close my account and return the {$50.00} that I funded the account with as soon as possible. I had such a poor experience talking to your fraud department that I have no interest in calling in to speak to anyone at Wells Fargo. Otherwise you are illegally holding my money. Also, you should stop wasting people 's time if you are going to put fraud alerts on their accounts without giving them a proper ability to clear them. Do n't bother letting people open up the accounts online then if they do n't live near a branch if that is how you are going to do your fraud alerts. That is very easy for you to set up and would have saved both you and me all this trouble. 

Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: This compliant is regarding closure of my account without my information. SunTrust Bank prohibited me to access to my funds which I needed urgently ( $ XXXX ). XXXX : I opened the account after depositing {$150.00} in account. XXXX : I completed direct deposit of {$800.00} i account. XXXX Deposited multiple amounts in the bank account. XXXX : A XXXX  check of $ XXXX was deposited. XXXX : {$12000.00} cash was deposited in the account. I have been trying to access my account online as well as ATM but it was showing nothing, after calling customer support they told me my account was closed for " some reasons '' but they were not aware of the reasons. I asked SunTrust to give me my funds since I need to use my money. SunTrust declined and told me I will be getting my check in 5-7 working days with explanation why my account was closed. I have been told that SunTrust has right to close my account without informing me. I have written checks in good faith to use my banking account which is denied to me without any reason. I am also having SunTrust Mortgage Account that is in excellent standing.

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 12-01-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage paymeny increased approx. {$600.00}. The mortgage company indicated that my escrow account did not have enough to cover property tax increase. 
I have spoke with several different mortgage reps. Its like a game of tag ( pass customer ) get them realy confuses or XXXX. 
I do not want to loose home to fore closure. A refinance counselor mentioned that I should ask if the mortgage would remove my Mortgage Insurance. He indicted that by the FHA guidlines a customer is requiredto make the payments for 5 years. Is there ant truth to that? I have been paying for over 5.5 years.. ( HELP )

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (Medical) with Carter-Young, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Carter Young is attempting to collect a debt in the amount of XXXX. Carter Young violated the privacy act HIPAA buy disclosing my personal clinical information regarding diagnosis codes and medical history from their client XXXX XXXX. This information was uploaded to this site CFPB and also mailed to me revealing my medical records which Carter Young is a third party collection company who should have not had access to this information and should have contacted their compliance officer to return back to their client. I plan to seek a suite against this company for disclosing my personal medical information and breaking the HIPAA privacy act. Also, I have this claim in current dispute with XXXX XXXX as I do not owe anything.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/2018, the Commonwealth of Virginia on behalf of XXXX & XXXX XXXX, et al. brought forth a case against XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX. The case was concluded with XXXX XXXX XXXX, owner of property being forcefully removed from the court in handcuff ( s ), placed in a holding cell and then transported to XXXX XXXX Regional XXXX for the second time surrounding this property. XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX has not authorized a property address change and did not grant her property to any party other than herself. This matter is required to be reported to the United States Department of Justice and per EEOC discovery, I, XXXX XXXX XXXX am required to turn over these documents as well as any expenses occurred to the U.S. Department of Veteran Affairs attorney.

Additionally, I just received a check in the mail for the Wells Fargo Property Inspection Settlement and the amount is deficient. The check is for {$63.00}, however, the advance amount is {$2500.00}. I will be turning these matters over to the EEOC attorney for the USDVA as well as requesting the balance due on the property inspection fees diverted as well as any other fees such as your attorney ( s ) fees, foreclosure fees in which I did not indicate my mortgage payments could be directed to a foreclosure sale, and there is no evidence of a foreclosure because it did not occur because it was halted by a case filed against your attorney ( s ) XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, Legal owner of XXXX XXXX XXXX XXXX, VA XXXX. This remains a XXXX discrimination claim as XXXX XXXX XXXX, legal owner remains to be an XXXX XXXX and the XXXX, et al. are 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 11/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Hello, I attended XXXX XXXX a few years ago for about nine months. When I went to visit the local university to find out where I would be when I trandferred over I discover none of my class from XXXX would not transfer. When I enrolled into XXXX they informed me most of my classes should transfer! I immediately withdrew from the school. The school has now closed and I am XXXX in debt paying for college classes that are useless. I went through the process to make my XXXX loans dismissed and was denied because I left the school too early? I understand it is not the loan companies fault that XXXX had lied but that is why they have things like loan dismissal!

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Private student loan debt) with Allied Collection Services, Inc. (Nevada) (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I would like to dispute the collection attempt against me from Allied Collection this account has been reported as of XX/XX/XXXX in attempt to collect a debt. I want to dispute this action based on their attempts to reage my debt this student loan debt comes from XXXX XXXX XXXX XXXX the collection attempt was sold to collection agency XXXX and XXXX and I paid them for several years. The account was again resold back to SC student loans and I paid them from XX/XX/XXXX to XX/XX/XXXX. This year XX/XX/XXXX I received notice to collect a debt from Allied Collection they opened a new  collection under my social security number and again reaged my debt. This is negatively impacting my credit and I would like this Allied Collection attempt removed from all three of credit reports.

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 04/20/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: JP Morgan Chase is threatening to cancel my credit card I have had for 15 years WITHOUT XXXX late or problem unless I fill out a XXXX! They already have my current address and SS #, all my legal information AND I have never now ( nor have I ever ) worked for them as an individual or independent company! THEY DO NOT NEED THIS INFO! If they lost it or the company has been compromised then I should not have to provide it again anyway. I 'd like to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Consumer Loan (Vehicle loan) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Problems when you are unable to pay

Complaint: My mom took out a refinance auto loan with Santander Bank to lower her payments. She passed away on XX/XX/XXXX I 've been making payments to them for XXXX years. I fell behind and all I owe is a balance of XXXX. They came and took the car and I spoke to her about getting it back. She asked me if I had the past due amount I said yes. She then went on to say that she could release the car to me cause she has the authority to release it to anyone she wishes to. But she had to speak to someone and get back with me. I then said ok so when she call me back she asked it I had a death certificate I said yes and then she asked if my mom had a power of attorney I said no. Then she asked if I had gotten a executive of estate I said no cause I did n't know I had to have one. She then proceed on to say that she could n't give me the car back and asked if I had received the letter she sent out withall the extra money iI would need to have in order to get the car back. I said yes she said it 's going to take me XXXX days to get the executive of estate by the date she gave me which was XXXX XXXX, XXXX XXXX in which the car will be auctioned off. I then asked to retrieve my b belongings from the car in which I drove XXXX hour to get and I did n't have the death certificate so she said no. I then came home and called the attorney general office in which she refused to speak with the person who called. So the person told me to speak with XXXX to get a lawyer which I did. And she also told me to make a complaint against them. I have come up with the monies for this vehicle which is book value of over {$6400.00} dollars. I do n't understand why she is being so mean and rude about this situation when I clearly paid for a lot of this vehicle. I 'm going to attach the letter she sent me and. Where she comes up with the amount of the storage fee and days. Also look at what she states about having the monies by XX/XX/XXXX or its going to be auctioned off. Please help with this cause this is the only thing I have left of my mom 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: On XXXX/XXXX/XXXX when checking my credit report, I noticed an old derogatory account from XXXX ( XXXX XXXX XXXX XXXX XXXX ) that was reporting on my credit file. This particular account was opened and first appeared in XXXX, which means it should have been removed by law after a period of 7 years, or XXXX. Noticing this, I immediately alerted Equifax of this issue by filing a dispute ( Confirmation # : XXXX ), where I explained this in-depth. Equifax does not give an option on their online platform to specifically state that the debt being reported is older than the legal requirement put in place by federal law, so I instead chose the option " I am no longer responsible for this debt '' and then explained in detail that the debt was older than 7 years old, and at this point in time fully paid off, so it needs to be removed. Equifax negligently ignored what I wrote, and instead sent back a response after 30 days that stated that they contacted XXXX and confirmed that the debt belonged to me. As I mentioned in my initial response to equifax, that is not what I am disputing, what I am disputing is the fact that equifax is still reporting this debt, despite the fact that it has been over 7 years and is fully paid off. I at this point am demanding that Equifax remove this debt immediately, or I will be forced to go to court to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Student loans in my name with wrong address and amounts. I did not take out the loans and I 've explained to the credit bureaus and Navient. They are both refusing to help me correct this matter. Both companies sent me letter stating they validated my claim. without letting me know hoe, who validated the information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I requested to cancel my escrow account and Nationstar refuses because they say my LTV ratio is above 80 %. It is 89 % according to their calculation. This is not possible as I put down 20 % of the purchase price when I bought the home in XXXX of 2009. I am located in a very desirable neighborhood in XXXX, CO. This home has only gone up in value. I have paid my hazard insurance in full for the year, I have never missed a payment or even been late with a payment. This is a simple request that is well within my rights a responsible home owner and I have wasted way too much time trying to get this request fulfilled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (IL).
Issue: Deposits and withdrawals

Complaint: I deposited XXXX $ to wrong person of Wells Fargo bank account holder as a cash.Next day i called to the bank and asked to make a hold on it or reverse my wrong deposit made to the account holder with the original transaction receipt but bank responded me as they cant able to reverse it. 

Please help me to get my money back since it is huge amount. 

NOTE : i made wrong deposit because of fake person asked me to do for part time job offer.

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 10-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This has been going on for years. I now want to replace my car, so I 'm going at it again. Experian for years repeatedly attaches to my record bad, probably fraudulent debts, connects me to addresses I have never had any connection to. When I 've tried to dispute these items I get form notifications saying that they are my debts and addresses, etc.. I 've lived at XXXX addresses in the past 30 years, incur no debts ( I did have a dispute with XXXX ). I will attach the letter I sent to XXXX and the letter I will send to the XXXX credit reporting agencies. I feel shame, frustration, hopelessness. Did I XXXX someone off? How can anyone repeatedly do this unless their intentions are malicious?

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ok, this issue that I have is regarding a credit card company that I have. they reported that I missed a payment, but in reality I did n't. I had this account on auto pay and the transaction was made but then reversed or sent back. because of this, they reported a missed payment to the credit burial and then decided to give me a call to inform me about the issue and charged me a late fee. Had they informed me what the payment was sent back I would of resolved the issue. Now my credit score dropped significantly as a result. I 've contacted the company and they ask that I file a dispute with the credit burial by mail. 

the company is elan financial svcs my name is XXXX 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 monetary relief
Consumer complaint received 03/16/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: After resolving case # XXXX, Seterus has started sending statements that do not reflect the current balance, but a future balance, which include late fees if not paid by a date that is more than XXXX ahead. I have lost confidence in this loan servicing company and do not feel I should have to refinance to get away for them. I am requesting your assistance is getting away from this loan servicer due to their failure to provide fair and courteous service to someone who has an excellent payment history. This company is a collection agency and is acting as if our account is in collections. We should not have to feel that we are under a microscope by the way this company does business. They should not be allowed to act as if you are late, before you are late. The payment was made on XXXX/XXXX/2016, prior to the statement date.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Consumer Loan (Installment loan) with Risecredit, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: The loan was originally taken out with payments scheduled on alternating Fridays. My pay dates and then employers ( and consequently paydates ) changed and I fell behind. They told me they could not change the dates. I receive several calls a day from them. On XXXX I made a payment in the amount of {$500.00}, which did not bring my account current. I told them I would not be able to make additional payments until XXXX but understood that I would receive calls daily as I was still past due. On XXXX I spoke with a representative and let them know that I could not make the payment until XXXX, but took the call, and again indicated that I knew they could and would call daily. I also explained that I had already received XXXX calls that day where there was no one on the other end of the phone when I answered. Today, XXXX/XXXX/15, I received a call this morning and asked the individual to reference the notes, he said he would, verified my information and we ended the call. Since then, I have received XXXX call where there was no one on the other end. Then, I received another call with a female representative asking me if I was going to make the payment with a debit card. I let her know that I felt the call was abusive and that I was going to report it. I was respectful, but expressed my dismay at the aggressiveness of the call. She still asked me if I wanted to set up a payment, and I explained I will need to see what my paycheck is on the XXXX. I understand that I owe them money and am doing everything I can to pay them back. My XXXX each ring of the phone and this is raising my XXXX level XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been part of the IBR repayment plan since 2013. In XXXX it was time to recertify my income for the next year. I filled out the application on studentloan.gov and attached my IRS tax return. 

I have XXXX servicers currently : Navient and XXXX XXXX. XXXX XXXX recertified my participation in the plan and is in the stages of calculating my payment. Navient denied me because they said my income is to high. To my understanding once I am in the IBR plan I can not be kicked out and they must adjust my loans according to my income and balance of loans. If my payment would be higher then the 10 year standard rate. I would pay that while remaining on IBR. To my knowledge they can not deny me, as it is only a recertification, please help.

Company response to consumer: Closed with non-monetary relief