vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
For the past year now I have been trying to complete a short sale With Chase Bank NA The reason I applied for a short sale was due to the fact for the last three years I have been trying to save my home by applying for a loan modification and was denied about 4 times. I can not understand why because the Monthly housing income is at least {$6800.00} per month. Anyway Chase offered me the opportunity to do a short sale. They said it would be better for me because they would with draw the foreclosure action and file a satisfaction of mortgage in the county clerk 's office. Also it would be better for my credit as to have a settled account instead of a foreclosure. 
So I hired a broker to help sell my home. this was in late XX/XX/XXXX. In XX/XX/XXXX I received an offer. I went into contract. With the help of my broker I submitted full package and waited two months with Chase to get an answer. In late XX/XX/XXXX my initial buyer walked away Claiming its taking to long for Chase to make a decision. In XX/XX/XXXX I went into contract with a second buyer. On XX/XX/XXXX My broker got an email from XXXX XXXX in the short sale department at Chase. That email stated that the investor completed and approved the net proceeds to be no less than {$87000.00} on the property and to move forward with the closing paperwork making the proper adjustments on the HUD. 
Then the long process of stonewalling by Chase started. They made my broker change the HUD at Least 5 times. They asked my broker to put the incorrect address of my property on the HUD and changed the contract address at least 3 times on both the HUD and the contract. They reorder another appraisal on the property. They changed the investor during the process. Chase dragged this approval out for moths while the 2nd buyer was ready willing and able to close. In XX/XX/XXXX Chase sent and email to my Broker stating that the short sale was Declined. Now I am losing my home on XX/XX/XXXX. And the relocation money and all the benefits of doing the Short Sale Chase Promised me are gone. I believe Chase has acted in bad faith and has used my home as a cash register for their benefit. I believe from day one Chase had no intention of helping me and they used this long process for their benefit. I believe they have committed fraud to the Investor of the Mortgage and or the tax payer in doing so..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On Monday XX/XX/XXXX, my account went negative by {$68.00}. That same day upon discovery, I deposited {$70.00} to cover the short fall. In checking my balance, I had a positive balance in the account. I was charged a {$36.00} overdraft fee when a POS debit purchase of {$30.00} from XXXX XXXX came in ( that was not reflected in my earlier balance ) but they posted it to my account before the {$100.00} ACH from XXXX which I covered with my deposit. Even though a direct deposit came in at XXXX  ( or XXXX XXXX  on the XX/XX/XXXX ) that covered any and all outstanding amounts, not only was I charged a first fee of {$36.00}, they charged another when other items came through on XX/XX/XXXX that would have been covered if they would not have immediately charged the NSF fee. They also charged another fee earlier in the month on XX/XX/XXXX of {$36.00} when an ACH charge of XXXX took my account negative by {$23.00} but was immediately rectified by a direct deposit of {$52.00} credited at XXXX XXXX on XX/XX/XXXX.  PNC uses their banking system of credits and debits manipulatively in such a way as to create and maximize unnecessary fees. And they charge immediately with little notification so that we can not correct the balance in time of other charges coming in. This is purposefully manipulative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX pilot who travels a lot and has been loyal Bank of America Customer since early XX/XX/2000, back then they had best online bill pay. Signed up or responded to B of A Credit Card offer that had points like XXXX & since I travel a lot I realized I was not getting a bill / paper statement of which I always want not an online bill which disappears when computer has a bad day or lighting or you pick the reason. I called them & they say I choose paperless which I never do since my dad 's business got audited twice when I was a kid and he always said thank XXXX for the paper trail!! I have always had over 800 score until now I have a Adverse Acct. / B of A Credit Card / late of which they blame me when I always have a min. of XXXX to XXXX XXXX  in their Bank which will change soon & Direct Deposit from XXXX XXXX which will change soon. Why would I have Thousands in their bank & have a title of Premier Customer & get a XXXX K limit of which I did not need. Why would I not pay a couple XXXX dollar bill, DOH?? 
I will be switching to my more local banks whose online bill pay has improved & who I can look in the eye if I am unhappy or they can call me if something is late. 
XXXX XXXX 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 2018-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I spoke with Wells Fargo several times regarding a fraudulent charge on my account. A charge was reversed which caused my account to reflect a negative balance. XX/XX/XXXX. I initiated a dispute with wells Fargo reference # XXXX. I submitted documentation to Wells Fargo to support my claim on XX/XX/XXXX. An insurance company withdrew funds from my account without a legal right and without my permission several months ago. Wells Fargo refuses to investigate the incident. My insurance company, XXXX, sent Wells Fargo proof of my coverages to support my position during, before, and after the time that I was covered by XXXX. I am currently covered by XXXX. Wells Fargo has not provided me any information regarding my claim refused to refund my money and has closed my account as a result on XX/XX/XXXX. Wells Fargo has initiated collection efforts for this incident.

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 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As of my most recent dispute on XX/XX/2018, Equifax Credit Bureau is falsely verifying information that I have disputed with them on several occasions. I disputed the accuracy of the Chapter XXXX Bankruptcy they are reporting on my credit file. The results they keep sending are false, they are stating that the information has been verified by a third party XXXX XXXX, which is not true. They will not provide me with the date, person they spoke to, or contact person phone number as I have requested more than once. I have contacted XXXX myself and spoke to XXXX who informed me that my personal information file is frozen and will not be disclosed to anyone, such as my name, address, phone, or any public records. I have a case number and consumer number to validate XXXX XXXX is not supplying Equifax with any of the information they are reporting, and I demand them to remove any information they are claiming this company had furnished them with, or provide me with the information of the person they spoke to so that I can file complaint against them as well. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX incorrectly charged my Huntington checking account when making a purchase ( I was never prompted in XXXX to select the account to charge, and they didn't use my default payment method ). I called XXXX to resolve the issue, but they informed me that they could not refund the amount charged and that I needed to dispute the ACH transaction with my bank. 

I called Huntington to dispute the ACH transaction. I was out of the country for a week and Huntington has cancelled the dispute since I was unable to respond fast enough. I have provided the requested paperwork and called, but the overdraft fees and the ACH dispute still haven't been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX pilot who travels a lot and has been loyal XXXX  XXXX XXXX Customer since early XX/XX/2000, back then they had best online bill pay. Signed up or responded to XXXX XXXX XXXX XXXX XXXX offer that had points like XXXX & since I travel a lot I realized I was not getting a bill / paper statement of which I always want not an online bill which disappears when computer has a bad day or lighting or you pick the reason. I called them & they say I choose paperless which I never do since my dad 's business got audited twice when I was a kid and he always said thank XXXX for the paper trail!! I have always had over 800 score until now I have a Adverse Acct. / XXXX XXXX XXXX XXXX XXXX / late of which they blame me when I always have a min. of XXXX to XXXX XXXX  in their Bank which will change soon & Direct Deposit from XXXX XXXX which will change soon. Why would I have Thousands in their bank & have a title of Premier Customer & get a XXXX XXXX  limit of which I did not need. Why would I not pay a couple XXXX dollar bill, DOH?? 
I will be switching to my more local banks whose online bill pay has improved & who I can look in the eye if I am unhappy or they can call me if something is late. 
XXXX XXXX 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 explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Dear Sir, Citizens Bank did not answer my previous Grievance related to XXXX Check Deposit and Check Clearance Records are missing in my bank records and statements. I have deposited XXXX check to my check-in account on XX/XX/2018 with check image option. My address is same since the day I opened the check-in account with Citizens Bank. Could you kindly direct citizen bank to update XXXX check number and scanned copy of the check, which are missing in the citizens bank statement and online transactions. Tampering and manipulating the check details comes under forgery, also its unlawful and illegal for missing the XXXX check number and scanned copy of the check in the account statements/check clearance records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
unauthorized - listed as a refund to the person - never authorized, we know nothing about this person or persons - reported this to XXXX. 

Paid with PayPal balance Sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details Sent to XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} Total {$990.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: VA

Complaint narrative:
I contacted PHH Mortgage for assistance as I was not working. I completed a request for assistance, sent my life history, the property was appraised. I received a letter saying that I could make a reduced payment of approximately half of my mortgage payment for three months and would then have to resubmit a hardship package and all documents again. I'm not sure how this is helpful. I was told that I didn't qualify for any other programs because of my debt to income ratio. If PHH was to lower my interest rate and helped me with a repayment plan I could afford the mortgage payment. The investor of the loan XXXX XXXX XXXX does not care about homeowners facing a hardship. I'm asking for someone else to review the hardship package submitted again and reconsider offering us a lower interest rate and repayment plan. Also, I have contacted XXXX our single point of contact seven ( 7 ) times and she has not responded to any of the voicemail messages left. I'm not sure I understand how a reduced payment for three months is a viable option to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: PA

Complaint narrative:
I lived at XXXX XXXX XXXX XXXX Apartment complex. During the move out procedure, my roommates and I paid them for the move-out package, which would be completed after move out, and which contained a professional carpet cleaning. 

After moving out, we were told the carpet had been replaced as it was dirty and we would need to pay the replacement cost. We were told this after the fact it all happened. We asked if the carpet had been professionally cleaned, as we had paid for that service, and they informed us it had not been cleaned. We asked why we had not been notified and they could not provide an answer. They still demanded we pay them that amount of the carpet. We refused as they had not completed the service they had agreed to, and for which we paid. 

After a month, the company that owns XXXX ( XXXX  ) sent the debt to collections. At that time, we requested that the debt collector ( XXXX XXXX   ) verify the debt - that XXXX had cleaned the carpet and shown the carpet displayed dirtiness beyond normal wear and tear for the duration of the lease which would require it to be replaced, and for us to owe money - per North Carolina regulations. 

XXXX XXXX did not fully respond to debt verification before contacting my and one of my roommates credit agencies. At this time, we have not yet received a complete debt verification answer from XXXX XXXX, now ~6 months after the initial request.

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 2018-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Amsher collection services Inc is showing up on my XXXX  credit report. I never had XXXX services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/18 Equifax denied me online access to view current credit report WITH current confirmation # for dispute purposes, a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Northstar Education Finance Incorporated
State: VA

Complaint narrative:
I have made timely payments on my Fed Student loan for over 14 years to XXXX XXXX. XXXX XXXX XXXX XXXX. The beginning balance was approximately {$100000.00}. I have paid over {$120000.00} and the balance on the loan is approximately {$95000.00}. When I complained and requested an amortization schedule for a 15 year loan that has the same principal balance as it did 14 years ago, the Servicer informed me that no amortization schedule was available. Then a couple days later, the lender split my loan and transferred it to 2 new servicers, each with the balance apparently. There was no warning, approval, etc. I think this was done in retaliation for my filing a complaint and request for payment history. I have no idea if this loan or lending institution is legitimate. I have no faith that the records are accurate. 

Equally troubling is that my personal information has now been transferred to 2 additional entities ( including my birth date, personal address, social security number, banking accounts, email etc. ). I understood that the lender may select a servicing entity at the time of consolidation but it can not retaliatorily " split and transfer '' balances. This is a student loan, not a revolving credit card ( and hopefully not a pyramid scheme ). A 20 % return on investment should be adequate for student lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Repeatedly calling my number numerous times during the day, according to the FDCPA they can not continually call. Three times they called within 8 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI

Complaint narrative:
Repeatedly calling my number numerous times during the day, according to the FDCPA they can not continually call. Three times they called within 8 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
{$5900.00} my card was lost and stollen and they did not close it when i called mulitple times and my card got maxed out. I have never maxed out a card in my life and had perfect credit until this happened. I am a XXXX XXXX XXXXXXXX and need this fixed as soon as possible. 

Capital one Case # XXXX Already reported to credit companies Reported to them phone call and mail Already did big fraud packet for them. 
They have done nothing but send letter after letter saying i owe all that money. 

They recieved my fraud paper work XXXX XXXX from what they told me on the phone. I called again on XX/XX/XXXX and they were still working on it. Nothing had currently been done. More paper work sent out XX/XX/XXXX. They said they sent me emails that same day. I have 0 emails. Told them if i do not get this resolved i will contact a lawyer this is ruining my life and my familys life. 

Ref # XXXX Fraud department # XXXX Talked to XXXX XXXX. 

Still nothing has been done. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BB&T CORPORATION
State: CA

Complaint narrative:
I was searching for potential apartments to move into on XXXX when I came across a 1-bedroom apartment ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) for $ XXXX/month. During the afternoon of XX/XX/2018, I messaged the property manager, XXXX XXXX, through XXXX. At XXXX on XX/XX/XXXX, he sent me an email with more information about the apartment. I asked if I could view the apartment before filling out an application, but he said I could not view the apartment until the current tenant moved out on XX/XX/XXXX. He said for now I could secure the apartment by signing a Lease Agreement and wiring the first month rent ( {$2300.00} ) and security deposit ( {$1500.00} ) to  the Landlord ( XXXX XXXX ). XXXX said when I do view the apartment and decide I do not want it, I will be fully refunded. I emailed him the completed Lease Agreement on XX/XX/XXXX,  and the wired money went through to the Landlord 's BB & T  account on XX/XX/XXXX. He agreed to show me the apartment on XX/XX/XXXX at XXXX. However, on the morning of XX/XX/XXXX, he emailed me saying he could not show me the apartment because his mother just XXXX XXXX with XXXX, and he won't be back until XX/XX/XXXX. Since I currently live in this apartment complex but in a different unit, I decided to go to XXXX XXXX XXXX to see if anyone lives there. At XXXX on XX/XX/XXXX, I knocked on the door of the apartment, and the couple living there answered. They said they are the residents of the apartment and are not planning to move out any time soon. At around XXXX on XX/XX/XXXX, I went to the XXXX XXXX Police Department to report this fraudulent incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my 4th time contacting you about XXXX reporting inaccurate information as it continues. They are reporting an address that's incorrect XXXX XXXX XXXX XXXX GA XXXX. If this property was sold in 2017 how is this reporting as my current address. This is completely false information that is affecting my credit as well as inquiry being reported that were never made by me. 

You can contact me about this matter 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 explanation