vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My husband used Wells Fargos XXXX application on Friday XX/XX/2018 to transfer {$1300.00} to my checking account. It said that there was an error and funds could not be transferred, but {$1300.00} disappeared out of his account. He called immediately and was told that they would open a claim for him, but that the issue should be resolved within an hour. 

It took over 24 hours for the {$1300.00} to show up as a pending transfer in his account, but there was still no notice on my account and the money was still missing. He called again on Monday XX/XX/2018 and was told that they could open another claim and that they would expedite the money into my account the following day as the status of this transfer in his account now showed that the funds had been transferred. 

I called on Tuesday XX/XX/2018 as the {$1300.00} had yet to show up on my account. The first person told me it would take 14 business days for my husband to receive the money back to his account. The second person I spoke to was part of the online customer service team and told me it could take up to 10 business days for my claim to be resolved. I asked to speak to a Supervisor ( XXXX XXXX ) who told me there was nothing they could do and I could file a complaint. She was extremely rude. I informed her that a check I wrote for rent would most likely bounce and that I was late in paying 3 bills because of this issue and she said there was nothing she could do about it because they didnt know when the issue would be resolved and if I was upset, I could file a complaint. 

Lastly, I was transferred to the complaint department. I was told that XXXX was an executive and she had the authority to tell me that the money would arrive in my account by the next day. She also said she would request that Wells Fargo look into covering late fees and bounced check fees. I asked her why they were not able to put the money into my account because it is a documentation glitch and our money should still be physically available to us and she said she wished the same thing as she was also dealing with this personally. I told her I felt that Wells Fargo has essentially robbed us as they were withholding our money. 

And now, we wait again after another conversation with Wells Fargo and prior empty promises to see if we recover our {$1300.00} tomorrow. We will be closing our accounts and banking elsewhere as soon as this is resolved.

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 2018-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
I closed on my home on XX/XX/2018, with XXXX XXXX servicing my mortgage. I was notified on XX/XX/2018, that my mortgage was sold to Amerihome. I immediately registered for an online account for Amerihome to attempt to establish a payment for my bill due XX/XX/XXXX. The option to make a payment was not available in my online account at that time ; therefore I contacted customer service who told me verbally that I would have to wait until after XX/XX/XXXX because my account was too new to make a payment that was due XX/XX/XXXX. On XX/XX/XXXX2, I attempted to log into my account and my account had been deactivated ; and when I attempted to register a new account, the system would not allow me to do so based on the fact that I had an existing account. At that time, I attempted to call customer service, which was closed. On XX/XX/XXXX, I called customer service and spoke to a representative who told me I have " stops '' placed on my account until XX/XX/XXXX, which block me from accessing my online account and making payments through the automatic phone system until after XX/XX/XXXX. Meanwhile, I have a bill due on XX/XX/XXXX and XX/XX/XXXX, while I am blocked from making payments online and through the automatic phone system. The customer service representative informed me that the only way to make a payment that is not made through the website or the automatic phone payment system, is through a customer service representative who will charge me an additional {$5.00} service fee to process my payment. In summary, I am blocked from making timely payments online or through the phone system, I am also blocked from establishing an automatic monthly withdrawal from my checking account, compelled to pay an extra fee to make a payment through the customer service representative ( which is the only option available to me ), and do not expect have access to my online account until XXXX. Furthermore, I had planned to make an extra payment to the principal each month, as I had done previously before my loan was transferred, and I am blocked from doing so without paying the additional compulsory fee ; therefore, the mortgage lender is charging me additional interest and PMI charges than I would otherwise pay, if I had full access to my account and was allowed to make additional payments to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: GA

Complaint narrative:
This is my 2nd complaint against American Financial Resources , Inc. within 4 months for the same problem. I received a notice in XXXX stating my escrow account was low and to either pay a full payment of {$750.00} to escrow or it would be added to my payment amount. I paid the full amount before the deadline. I got a new insurance policy at the end of XXXX, same terms with a cheaper premium. Sent in all of the required information within 2 days. Paying the full escrow amount and changing our insurance carrier reduced my overall payment amount. AFR did not make any changes to my account and I was forced to pay what they said so that I would not have any late payments on my credit report or even risk dealing with a foreclosure notice. After everything was finally updated in XXXX, AFR has still neglected to reimburse the overages paid. My last complaint stated to reimburse the overages of {$120.00} and pay directly to principal. I sent an email to customer service on XX/XX/XXXX and there has been no response. Nothing has been done.I am paying AFR more money by paying interest on a mortgage balance that is incorrect. Since it seems impossible for AFR to transfer the extra money to my principal balance, I want the overage sent to me either in a check or direct deposited back into the account in which it came from. If this is not done in a timely manner, I will be forced to hire an attorney and sue for damages. I have experienced nothing but problems since I was approved to buy my house. The application process is a drawn out joke and financing through American Financial Resources , Inc. is just the same. Customer Service Reps do not know what is going on but they will argue with you to the death. I had one lady argue with me to the point that she was actually screaming at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
Each time i file a complaint with your agency if tip off the people i'm complain n about then they harass me. 

If you can not do your job them send the complaint to the FBI As a XXXX Veteran the company XXXX XXXX XXXX has attempted to extort, defraud and lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
Harassment! Calls up to 10 times a day from the same number ( XXXX ) XXXX, or different numbers, leaves blank messages, with nothing on them. Sometimes calls from other numbers. I have blocked their number, I have called them and they were extremely rude on the phone, and refused to send a validation letter to 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 2018-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I currently have 2 personal loans against my XXXX retirement account. The earliest of the 2 was initiated in XXXX and the second was XX/XX/XXXX. Since the loan dispersement dates I have always paid back my monthly payments in weekly increments and have always exceeded the minimum payments and at times have been paid a month or two in advance. For example the minimum payment amount for the larger loan is {$440.00} and I paid {$120.00} weekly. Today I noticed in my personal bank account two debits from TIAA in the amounts of {$440.00} and {$200.00}. I called and according to their website i made 4 payments of {$120.00} for the {$440.00} due XXXX and they however applied it as " extra '' interest and principal but still I owed the XXXX payment and dectucted it from my account. 
I spoke with 2 TIAA representatives they both states that the process by which payments are received and applied changed in XX/XX/XXXX and therefore any payment smaller then the minimum would not be applied towards a minimum payment balance. They did not notify customers of this change and I was notified my loans would be in default if I did not pay an additional {$580.00} before XX/XX/XXXX. Even though more then the minimums on the loans were paid they didn't count to meet the minimum payment amount. Even though i paid {$1500.00} for 2 minimum payments of {$440.00} ( total due was {$890.00} ) I was told it didn't count because of their internal change in process and I needed to come up with an additional {$580.00} to avoid default and that i was currently delinquent. 
This company sends me messages both on their internal website and my personal email of all my weekly payments confirming receipt and they have been processes. I have no notification that there was a process change and that I still had a minimum balance due or that my loans were in jeopardy. The Company states that it needed to make process changes to be in compliance with the loan agreements signed by myself. I have no problem with practice changes but feel a notification should have been given to their customers effected. I have been making my payments in this manner for years and have always been on time or early.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2018 my online banking account was hacked and someone transferred money from my account to their account using XXXX. The amount was XXXX. I did not authorize this transfer and immediately notified Bank of America of the issue. Within 15 minutes of it happening. They are stating that they are not liable for the unauthorized transfer. I have had multiple phone conversations, in-person conversations and written communications with them since XXXX. Still they wont refund our money. We have been bank of america customers since the XXXX when it was a completely different bank. Nice how they treat their long-standing customers

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 2018-09-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I mailed a payment to BBVA Compass in the amount of {$7000.00} to pay off the bulk on my credit card balance on XX/XX/XXXX. My payment was deliver to the company lock box on XX/XX/XXXX. On XX/XX/XXXX ; I made my 1st call to the company inquiring about the check not posting to my account. I was told that I could not trace an un-applied payment until after the due date had past. I asked about late fees and was advised that the company would waive late fees once the payment was applied. As I monitored the account daily ( multiple time ) I was concerned that the check had not posted to the account although it was delivered on the XXXX. I began to call daily and it was not until XX/XX/XXXX I was finally issued a ticket number ( XXXX ) to begin researching my missing payment. I called on XX/XX/XXXX and was told that it would take 4 to 5 business days to get resolution and not to worry about late fees as it could take up to 10 business days for a check to post to the account. On XX/XX/XXXX, I had a late fee post to the account and I called to have the fee waived, inquire about the payment research and made an online payment to ensure there would be no negative impact to my credit. The payment was not reflected on my account until XX/XX/XXXX. I called BBVA Compass on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding this issue and could not get beyond the incompetence of the Customer Service team. I repeatedly asked to speak to someone that could help and got nothing, I verified and re-verified information that agent entered the system wrong and to this date have not received the call back I was promised to resolve my issue ( I provided my cell phone and the number for contact ). 

On XX/XX/XXXX the check that I had been asking about arrived in the mail at my home. By this time, I had already asked the issuing company to cancel the previous check and resend another check so that I could pay the bill. That check will be taken directly to the bank for payment today, XX/XX/XXXX. 

Due to the inability of BBVA Compass to effectively provide customer service, process payments and provide customer assistance, I have been charged additional interest, received a late fee, and negative information ( late payments and over the limit ) has been reported to the credit bureaus. I want BBVA Compass to make me whole with these fees and interest and correct the reporting to my credit report. Had BBVA Compass done their job, I would not have negative items on my report and there would not have been an interest charge of {$110.00} on my account. I can not get any assistance from BBVA Compass and therefore am asking for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX I received letter from Capital One that they closed my savings account with no warning, no notice, and without my consent. I went in person to Capital One Branch at XXXX XXXX XXXX XXXX TX XXXX. XXXX XXXX XXXX could see my account closed and the fact that I still had funds in acct. She said the phone lines to talk to someone about my problem was busy. I sent tweets ( my profile XXXX please remove from description before publishing ) to Capital One Cust Service on XX/XX/XXXX and many days after that they tweeted me they escalated my issue to another group after many tweets of them making excuses why they could not help me. I also sent multiple emails to Capital One XXXX XXXX XXXX and Capital One Communications XXXX XXXX. XXXX XXXX sent me read acknowledgement of my emails and received nothing from XXXX XXXX. I finally got reply from Capital One Cust Service twitter account @ AskCapitalOne about XX/XX/XXXX and also received a letter from Capital one stating they turned over my funds to the State of Texas as unclaimed funds and were waiting to response to my many tweets until AFTER this transfer was completed. I was in almost daily contact with their customer service during this time and was they did was completely corrupt and underhanded. I kept asking them and XXXX XXXX XXXX to reopen my account as it was prior to them closing it without my consent. Please assist me getting this done. Thank-you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 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: EdFinancial Services
State: CO

Complaint narrative:
I recently discovered errors on my XXXX and XXXX credit reports. Both were reporting a 90 day delinquency starting XX/XX/XXXX and 120 days through XX/XX/XXXX. 
My student loans were consolidated in XX/XX/XXXX and I was in a forbearance program from XX/XX/XXXX-XX/XX/XXXX. I have provided the necessary documentation from the national loan database, my servicer at the time was EdFinancial, the servicer who owned my loan after it was consolidated. 
I have reached out to them and they said they did not report this, and I have been trying to find out who reported this, and continues to report it, as EdFinancial is the only servicer who can possibly be reporting this as they owned and serviced the loan during this time. 

On XX/XX/XXXX, XXXX deleted this account ( # XXXX ) from my credit report in response to my dispute. It states the reporters are XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX. 
On XX/XX/XXXX, XXXX claims it deleted this same account XXXX # XXXX XXXX from my credit report in response to my dispute. However, it states the reporters are US Department of Edu Afsa,  XXXX XXXX XXXX, XXXX XXXX XXXX Phone : ( XXXX ) XXXX. 

I have called the 800 number provided numerous times in the past week and the only time I was able to reach a live person, he told me I needed to contact my servicer at the time and hung up on me. 
Edfinancial states it did not report this, as their notes indicate a forbearance from XX/XX/XXXX-XX/XX/XXXX. Therefore, regardless of who is reporting this, the information is wrong because the loan was never 90 or 120 days delinquent. 
XXXX states they deleted the account, but the reporters are still reporting it to XXXX so I am at my wit 's end trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I used two credit cards of Bank of America to pay for a product belonging to " XXXX XXXX company ''. After the payment to this company I was supposed to receive a service, which they didn't provide it ( which this company has done this to may people, they are fraud and scam, which everybody including me has filed a complaint to FTC which you can see the complaint here in this link http : XXXX ) therefore ; I contacted the BOA and asked for dispute and i provide them with plenty and needed documents.The BOA did not do anything about it and they just say that because the contract says it is " nonrefundable '' they can not do anything about it.I used other credit cards for the same issue, Like XXXX and XXXX. They accepted my reason and they really worked on it and they resolved it.

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 2018-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Harassment! Calls up to 10 times a day from the same number XXXX XXXX XXXX XXXX, or different numbers, leaves blank messages, with nothing on them. Sometimes calls from other numbers. I have blocked their number, I have called them and they were extremely rude on the phone, and refused to send a validation letter to 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