vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I WAS DENIED AGAIN FOR MORTGAGE ASSITANCE, I HAD A TRAIL PAYMENT AND I WAS IN HOSPITAL AND COULD NOT GET TO BANK TO TRANSFER THE FUNDS TO MY CHECKING ACCOUNT, WHEN I WAS RELEASED FROM HOSPITAL I CALLED SLS AND ASKED THEM IF I COULD MAKE PAYMENT AND WAS TOLD NO, THE PLAN HAD CANCELLED, SO IF MY PLAN CANCELLED WHY DID SLS CONTINUE TO TAKE PAYMENTS OUT OF MY ACCOUNT, IF MY TRIAL HAD CANCELLED THEN THE PREDATED ACH SHOULD HAVE CANCELLED TO, BUT BECAUSE THEY WHERE NOT CANCELLED, IT SHOULD AS 2 MORE RETURNED ACH, AND THAT IS WRONG ALSO IF MY PLAN CANCELLED WHY WOULD YOU KEEP TAKING PAYMENTS? MY XXXX   SAID HE WILL GIVE YOU ANY INFO NEEDED TO PROVE I WAS HOSPITALIZED, AND HAVE XXXX XXXX WHICH MEANS I AM XXXX YOU ARE FORECLOSING ON A USXXXX   SOLDIER, WITH NO WHERE TO GO AND I HAVE BEGGED AND BEGGED FOR HELP, CAN I PLEASE HAVE A REPAYMENT PLAN, I CAN MAKE PAYMENTS, PLEASE CAN SOMEONE ANYONE TAKE ME OUT OF FORECLOSURE AND HELP ME GET A REPAYMENT PLAN, I HAVE NO WHERE TO GO, PLEASE I NEED HELP NOT DENIAL LETTERS, PLEASE GIVE ME A REPAYMENT PLAN AND TAKE ME OUT OF FORECLOSURE PLEASE HELP ME

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 2018-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I files a complaint with you all ( CFPB ) on XX/XX/2018 against Merchants Credit Guide account # is XXXX about a bill they have in there office for {$120.00}. I got a response from you all ( CFPB ). I did not want to fight the debt anymore and called Merchants Credit Guide this morning asking to pay the bill and XXXX XXXX or XXXX XXXX and his email is XXXX told me because I had filed a complaint with you all ( CFPB ) THAT I COULD NOT PAY THE BILL. SO I'M HOPE AND PRAYING NOW YOU ALL CAN HELP ME!!! CAN Y'ALL PULL THAT COMPANY TAPES AND LISTEN TO THEM BECAUSE THE SAID ALL CALLS ARE BEING RECORDED. AND YOU WILL SEE THAT THEY DO LIE. Like that lied in the RESPONSE they gave y'all with my first complaint that I made with y'all about them. My first complaint number with y'all on them is XXXX. I'm just trying to pay the bill and get this matter done and over with.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX Wells Fargo informed me that I had reached 80 % LTV, thus qualifying to have PMI payments removed from my monthly mortgage. To cancel I had the option of either 1 ) paying {$6400.00} to reduce the LTV down to 78 %, OR 2 ) calling them to request a new property evaluation to ensure the home was still above the original {$330000.00} valuation. Upon calling to discuss the property evaluation, I was informed they would send me another form to request a property evaluation through Wells Fargo. Not sure why this request was not available either online or, at a minimum, included with the form for option # 1 which somehow did get mailed to me. 

Having just received my XXXX XXXX XXXX XXXX valuation for XX/XX/XXXX reflecting home valuation of {$450000.00} AND having had an appraisal performed in XX/XX/XXXXthat reflected a valuation of {$420000.00} ( coincidentally the same value XXXX XXXX showed for XX/XX/XXXX ), I offered to provide both as proof that I did in fact qualify to have PMI removed. I spoke with 2 different customer service reps at Wells Fargo Home Mortgage ( XXXX ) as well as a supervisor named XXXX XXXX on XX/XX/XXXX, and was told neither of these documents would be sufficient. In fact, I was told that I actually would have to use a Wells Fargo approved appraiser specifically to perform this task at a cost of {$550.00}. This is actually above market for a home appraisal ( {$400.00} is what I paid last year ) so also unclear why any professional appraisal wouldn't be acceptable. 

If Wells is willing to waive the appraisal once an additional 2 % is paid down on the loan, I think a valuation 34 % ABOVE their minimum by both a governmental entity AND an independent appraiser should be sufficient. I also don't understand why I have to pay an exorbitant fee for what is a relatively commoditized service and suspect Wells Fargo is actually making money off of the higher appraisal fee. This seems very unfair and could be alternately addressed doing a quick look at comparable sales in the area which would be relatively inexpensive to perform. 

Thank you for your assistance.

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 2018-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase.com is not allowing me to withdraw my money. I have verified my identity with drivers license and selfie photo. I then have attempted for over 30 days to complete a questionairre verification. When I complete it accurately it says it could not locate my id. Does not make sense. I want to withdraw my {$4100.00} and have it deposited in my bank account from which it came. 

They said my ticket has reached critical status over two weeks ago and that someone will email me. No one has reached out to me after 30 calls and 30 emails to their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/2015 XXXX has marked me 90-120 days late on student loan repayment on three accounts but that is not accurate. Im tried to call and dispute it with them but they wont seem to hear me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am reopening complaint number : XXXX because the response from Bank of America is far from a relief, it is retribution. 

1- I had in my checking account {$290.00} before the incident and now it is closed with a negative balance of {$5200.00} ( - {$5200.00} ) 2- My savings account is wiped out with a negative balance of {$880000.00} ( - {$880000.00} ) and I have no access to any these accounts as well as the credit card and my daughter 's account, they are all closed for what reason? 

Again, I received a check from XXXX XXXX XXXX in the amount of {$5500.00} as a payment for my truck which was for sale and deposited it in my account at bank of America. I started to refund money back to the seller when he changed his mind, only when he informed me that the check was cleared at his bank and the funds were available at my bank, which verified to be true.

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 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NJ

Complaint narrative:
My card was lost with other personal documents and when I realized that was lost i check my balance by the automatic system and the card was being used butat that time I still have more than half of the money I had in the account I tried to contact this bank and they was closed by phone custumer service I also tried to report the card lost by the automatic system and wasnt able to do it was receiving a error next day morning when I called custumer service all the money in my account was gone all the money in the account was already used I spoke to custumer service and they said is nothing they cant do just do a dispute that takes 10-40 business days and i wont receive neither a temporary credit or credit till the investigation finish I trust in this bank depositing a money that was for an emergency travel and this bank failed me allowing an unkown person to withdraw my money and doing multiples transactions in one day that cause me to lost XXXX dollars and also who ever have the card enter a pin invalid unumerosous times as custumer service told me how is that possible that the fraud prevention do not block the card immediately and how is possible that custumer service do not provide help 24 hours in a bank I feel engaged by this bank and used i also would like to advise any other consumer about this bank safety

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 2018-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
Company repeatedly calls regarding an unknown debt. Refuses to provide any basic information without me providing my personal information. Resorts to pushy tactics to try and get me to provide personal information. When attempting to provide mailing address for communications, company indicated it would not speak to me without me providing my personal information ( birthday, etc ). They indicated I should have received a letter but no such letter was received. Company is trying to collect a debt I do not know about and do not have. 

The phone number calling is XXXX and listed as XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have requested multiple times to have Experian remove the address XXXX XXXX XXXX off of my credit report as it has never been my address. I have sent out requests to have this deleted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested other dates but I don't have the certified mail receipts for those dates. Each time they would send me a letter informing me that I would have to contact the furnisher of the information.

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 2018-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: CA

Complaint narrative:
Got the loan for a window replacement upgrade. I was told that I would not pay interest as long as I paid within 12 months. Loan originated XX/XX/XXXX and was paid off XX/XX/XXXX. The company changed service providers in XX/XX/XXXX where they previously showed the deferred interest on the loan statement. In XX/XX/XXXX the statements provided showed that I was paying 9.99 % interest on an 18 month loan. I made various calls to the company opening investigations. I had made arrangements to have the full principal balance paid in full before maturity. Again in XX/XX/XXXX I called as the balance was a little over {$1000.00} and said there was no reason to pay as the terms were 0 % interest and they owed me money. I was told that I had to pay the balance to close the account. I would need to call and ask them to close which I did on XX/XX/XXXX. I got a letter on XX/XX/XXXX saying that the account was closed. I called numerous times to follow up with them on the interest owed to me in the amount of {$1700.00}. They said it would be processed in 60 days. This is not what I understood to be the case when I initially entered into the agreement. The first statements always showed the deferred interest until the change of service providers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In XX/XX/XXXX when my loans became due from Navient they wanted me to pay {$1400.00} a month and with my income there was no way I could afford that. I asked them to extend the amount of years for repayment and they said no, instead they gave me a Rate Reduction Program for 15 months and reduced my interest rate and made my payment much lower. I still struggled as I was paying out {$1100.00} a month in student loan payments. I received an email in XX/XX/XXXX stating my Rate Reduction Program was soon coming to an end and if I wanted to extend it to fill out financial paperwork and request the extension. I filled out the paperwork and I called in XX/XX/XXXX to extend the program and they said I couldn't do anything until the Rate Reduction Program actually ended. I was told I had to wait until XX/XX/XXXX when my new billing cycle came out. When I received my new bill for XX/XX/XXXX after the Rate Reduction Program ended I also noticed they increased my interest rates to a much higher rate then when I got the loans. I called Navient on XX/XX/XXXX and inquired about extending my Rate Reduction Program. I was told I did not qualify because I do not have a bad mark on my credit report and because my credit is good I don't show financial hardship. I told them if they look at my income and the amount they want me to pay monthly on top of the other student loans I pay I do show financial hardship. Their only answer is for me to find another company to refinance my loans through. There isn't a company out there that will give me {$140000.00} loan based on my income. It makes no sense to me that they would want to ruin my credit ( after I have faithfully paid my payments in the program I was in ) before helping me. My defaulting on these loans doesn't help anyone. My circumstances last year were no different from this year and I qualified for the Rate Reduction Program. There has to be a better system for Navient to work with people who want to pay back their high balance loans but can not afford the ridiculous monthly payment they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony bank and its affiliate Belk, gave me misleading information in the credit application process, just two months after approving me for a credit limit of just {$300.00}, I guess this was to benefit from interest charges from me. I then became unworthy of doing business with them as they have sent a letter in the mail stating my creditworthiness is not up to their standard and they have reduced my credit line to {$190.00}. Why did they not tell me in the first beginning i was not WORTHY of doing business with them, I feel unfairly treated, abused and that they have deceptively drawn me into their scheme of consistently treating consumers unfairly. They have monopolized the retail market and if you don't have the worthiness they are looking for is that how they treat customers? Consumers who actively pay their credit statements and stay within guidelines should not be put to shame as how they have treated me, it's as if they are telling me we don't want your business please leave. I have seen numerous complaints about their business practices and it seems as if they consistently oppose the Dodd-Frank law with the UDAAP activities they offer to consumers everyday.

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 2018-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a text alert that someone tried to use my debit card for {$500.00} at the XXXX XXXX XXXX in XXXX, GA. ( I do not live in XXXX, nor have I ever been there. ) It was declined by my bank. I then checked my account and discovered two debit card charges in the amount of {$320.00} and {$490.00} on XX/XX/XXXX at the XXXX. I reported the fraud and my card was cancelled on XX/XX/XXXX. The card was in my possession at the time. Bank of America gave me credit while they investigated. On XX/XX/XXXX, I received an email that stated the investigation was being closed. The bank determined the debit card chip was read and they were taking the money out of my account. My debit card was ALWAYS in my possession. I was told that filing a police report would re-open the investigation, but they would probably not be able to find anything at this point. Bank of America could also not tell me the times of the transactions, only the date for the police report. My debit card was not the one used at the XXXX, since I was in XXXX, Ga at the time, with my debit card. I asked if the bank checked the cameras, but was told they don't have the authority. I would have filed a police report earlier so this matter could have been fully investigated. The banking rep told me that they don't require one. Bank of America has a bigger problem since it appears their debit card could be counterfeited. I filed a police report on XX/XX/XXXX with the XXXX County Sheriff Dept.

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 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX inquiry I didnt authorize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX contacted me that a card applied for can not be approved because Equifax does not have my SSN on file. I contacted Equifax who said I should send my SSN card. When I did they rejected it because it has can only work with XXXX  authorization they refused to use it to add this to my file even when this card was issued to me as a XXXX. 
I need my file to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: 77 Elite
State: CA

Complaint narrative:
I called my XXXX XXXX company at XXXX, they directed me to an agent from XXXX XXXX XXXX, XXXX XXXX. He told me that if I sign up with their service I will automatically be signed up to the 10 year loan forgiveness program. The fee was {$990.00}. I asked him several times that if I sign up and pay the fee I will only pay student loans for 10 years, he said yes. So I agreed to the fees. Once my loans were consolidated and under XXXX XXXX, they told me I was not yet enrolled in the forgiveness program. So I feel that I was lied and scammed by XXXX XXXX. They told me as soon as I pay the processing fee I would be enrolled in the forgiveness program. The agent should have told me that I had to submit an application directly to XXXX XXXX and that there were further steps before I would be enrolled in the forgiveness program. I would have not paid their company if I had to do it myself anyway. 

Their fee is ridiculously high, {$990.00}. They should have only charged {$300.00} at the most. They should also tell their clients that they are a 3rd party that assists with loan management but that clients can submit forms and applications directly to XXXX XXXX. Companies like these should not exist because they are only taking away more money from students by making it seem that they helping. Students with loans need to be advised on what to do about their loans and options that they have but not be charged {$1000.00} for it, that is too high. 

There are also emails between me and the company where they asked for recent income but after i emailed them my paystubs, they failed to process but will again send another email to ask for income verification. They are not timely or organized in how they request and process client 's documents. It caused me to make a payment that was not updated timely. I made a payment of {$300.00} but then got a letter a week later that the payment amount was changed. I emailed paystubs and XXXX XXXX verification on XX/XX/XXXX on XX/XX/XXXX they asked for my income verification. It takes them a month to respond and with the wrong response. 

For other consumers, don't think that 3rd party companies will help. They will only charge a huge fee for things you can do yourself. Speak directly to XXXX XXXX for the loan forgiveness programs.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hewitt-Capital
State: CA

Complaint narrative:
Hewitt Capital LLC Has been contacting other people after have they have been already in contact with me. Disclosing my personal information about my loan to other contacts. Repeatedly calling my ex boyfriend with phone calls and my step father.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation