vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Eve ry month since I obtained this PNC Bank Visa card I have paid the monthly balance from my PNC Bank checking account bill payer feature. Every month I log into my account, insert the credit card balance amount, the payment date, and submit the electronic pay ment. I timely submitted the credit card payment to be electronically tr ansferred on   XXXX   XXXX   XXXX  . However, on this occasion PNC Bank sent me a check ( see attached ) that is payable to " PNC Visa Card. '' When I received the check in the mail I called PNC B ank and arranged at the suggestion of a customer service person,  XXXX   XXXX , to transfer th e Visa c ard balan ce due to Visa ( a n alternative payment method which I had previously not known was available ) ; and I asked  XXXX  to reverse the late fee and interest related to this screw-up. She said, on   XX/XX/XXXX ,   she could not do that but would escalate my waiver requests. A  day or two later  I was called by a person,  XXXX , responding to the " escalation '' request and she agreed to reverse the {$25.00} late fee and said no interest has been charged. I followed up on   XX/XX/XXXX  , after ch ecking my online PNC V  isa  statement, by again calling customer service and spoke with  XXXX  who said she would again escalate my fee and interest waiver requests as she was unable to connect me to  XXXX  ; and  XXXX  informed me, as  XXXX  had done when she first escalated the requests, that I will be contacted within  48 h ours. But I 've  not been contacted with respect to this matter. So, the late fee and interest charge remains on my account, I want it refunded since the Visa payment was late due to PNC Bank 's issuance of a check to me rather than having electronically transferred the payment to PNC Visa.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo took all payments I designated in writing that were to be applied to the principal ( extra payments ) and did not apply to principal. My loan is fully paid but they owe me several thousand dollars. I called more than 10 times trying to get the situation straightened out. Usually they said it was fixed but it was not or they hung up one me. <P/>They sent an unacceptable explanation that did not address the issue then refused to answer the 15 calls I made since I filed a complaint here. THEY HAVE NOT ADDRESSED THIS ISSUE yet the case was closed with their explanation that simply showed my payments and even showed that they indeed did not apply the payments to the principle as requested which is the entire basis of the complaint!! <P/>Why was the case closed without being addressed? <P/>**attaching proof of my payments is not answering the problem. They refused to apply my extra payments to principal regardless of how many times I called and asked. I was told the payments were applied to principle then when i found that they were not i was then told it was too late. This is unacceptable.

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 2017-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
My name was forged on a contract with  XXXX  for a cell phone. I never agree to a two year contract and buy my own phones. A signature on the contract is n't mine. After several conversations locally and with their accounting department over a bill for early termination of {$160.00}. I offered {$50.00} to settle the account. I sent a check which clearly states " Full and final payment '' which they cashed.  XXXX  then sent the account to PiinnacleLLC, a collection agency. They have done nothing to collect the remaining {$110.00} except harass me by reporting me to the  XXXX  major credit bureaus each month fo r three years and three mo nths. The account is no longer collectable, the statute of laminations has expired aft er three yea rs. Please note also in the file I attached  XXXX  other collection agencies plus  Pinnacle  have called me. After each contact I explained to the  XXXX  others they dropped out and the account goes back to Pinnacle. Please look at the contract signatures plus my actual signature as an example.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nations Recovery Center
State: OH

Complaint narrative:
This company is trying to collect a debt from the wrong person and we have informed them of this. The company is  Nation Recover Center.  Their phone number is  XXXX   XXXX   XXXX . They have been calling once or twice a day for approx 10 days. This number is now on our call block.a

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
When we applied for the account they asked when we would like the due date and we said after the  XXXX  as I get paid on the  XXXX  and  XXXX . Our   XXXX   payday is primarily for our mortgage so all creditors go after the  XXXX . They agreed. I looked at my statement and realized they made the due date some months on the  XXXX  and others on the  XXXX . I have been charged between a {$27.00} and {$32.00} late charge for anywhere from  one  to for days late. This is specifically why I ask all my creditors to make my due date after the  XXXX . When I called the TD Bank to discuss the issue and tell them I had requested a due date after the   XXXX   they told me they ca n't change my due date. This is clearly an abusive practice from TD Bank and/or  XXXX   XXXX   XXXX  to not honor a request of a customer 's due date by a couple of days and penalize them starting at one day late. Clearly it would seem this is a strategy given the closeness of the due date that was requested. Also, not having at least a one day grace period is not only a common courtesy, it 's not even an industry standard. Very aggressive and abusive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-13 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: NJ

Complaint narrative:
I n  XX/XX/XXXX  &  XX/XX/XXXX  I  worked for  XXXX   XXXX  in  XXXX , NC. My job was having financial issues and twice my check bounced. Each time I submitted a letter from my employer as well as the money to cover the charges incurred. Bank of America reported me to   XXXX   XXXX   for bounced checks and fraud. I believed the did removed the fraud but not the bounced checks as to my understanding the check would 've needed to be from me to me to be on my credit or from me to others. I have tried to get this settled for years with the run around. Telling me to have a manager open a new account and clear me. To them telling me that it can not come off until someone hired off takes me off but they can clearly see all the documentation but are holding it against 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 2017-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XXXX my husband and I were at the SteinMart in XXXX, TN. and the cashier asked if we would like to open a credit card to get discount -- I said yes, the cashier said it did not go through and a supv tried something else to no avail, so we paid with our Debit Card. Fast forward to XXXX XXXX and we get a collection letter about the charge off on XXXX XXXX, XXXX ... prin {$220.00}, int $ $ XXXX {$390.00}. We disputed it and they researched then yesterday, XXXX XXXX, XXXX, sent " our stmts as proof '' ... problem is the address was wrong ( bad : ONLY XXXX XXXX ) ... we never rec 'd a credit card, any stmts, or any collection calls ( that left a VM ). We just spent 1.5 hrs being transferred from dept to dept in both SteinMart and Synchrony bank -- ALL had bad attitudes and were just trying to collect a " bad debt '', or even said we had to deal with XXXX XXXX since it was charged off. XXXX do n't want to hear it either ... .so frustrating!!!!! We have our bank stmt that shows the transactions were paid by our debit card -- not charged which I have attached. I do n't know if fraud or huge mistake, but I do no we did not charge anything and did not know we even had a credit line until saw it on a stmt that XXXX sent. I hope you can help resolve this and get ANY negative ratings removed from the credit report, which must be horrendously bad ( lates and charge-off ) ..Thank You for any assist.

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 2017-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
on XX/XX/XXXX  XXXX  hit our home and did alot of damage as well as  5 we eks no power and out of work because of same for months because my work was out of home,  Ocwen loan service was l ess than helpful and because of the   XXXX   went into hospital XX/XX/XXXX  and by this time I  was three m onths behind in mortgage wit h Ocwen and tried a loan modification twice and was told lost paper work as well as on and off calls back and forth with no help from lender service Company, Ocwen, at t his time it was XX/XX/XXXX  and I recieved a letter from  Ocwen that they are going to foreclose. This was when we were   working on the second Mortgage Modification with them, I than called  XXXX   XXXX   Office   Esq  in  XXXX , NJ  XXXX  and he told me to file a chapter  XXXX  bankruptcy as well as than after that we would file a second Bankruptcy ( CHAP  XXXX  ) including a now Third modification submitted by way of the courts, The  XXXX  was filed on  XXXX  and approved and the chapter  XXXX  was filed on XX/XX/XXXX  and once again the   XXXX   put me in the hospital, Than by way of the courts i filed but yet again a forth loan Modification with   XXXX    office billi ng me another {$2500.00} for same and Ocwen never answered the complaint, it was court ordered.THRU THE CHAPTER   XXXX .Than  after that i was hit by a   XXXX   XXXX   and it put me in  XXXX  IN   TH  E HOSPITAL  and I had to let the Chapter  XXXX  discharge because had no work, could not work and ended up on  XXXX . Now I am in   Superior court,   XXXX   XXXX   XXXX   N.J. fighting   Ocwen ag ain to try to save my home with but yet another Mortgage Modification and now on permanent  XXXX  as well as a  XXXX  daughter who lives with me, the  XXXX  has been unbearable to say the least. Thank you for any help your  Bureau may off er, The loan i was told has been billing me over what was in writting and over charging me on servic ing etc, Ocwen are a bunch o f crooks sorry to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was approved for a loan modification back in XXXX 2017. I was provided the trial modification agreement which required my signatures, in which I executed and used the prepaid return label provided by Ocwen to send the agreement back. I was told that they never received it so they sent me another package, in which I signed and mailed back also. I made the first trial payment in XXXX, and then again in XXXX, both times in which Ocwen accepted and processed my payments. Then on XXXX XXXX 2017, they informed me they still did not receive the signed agreement, again I was provided another return label from them and mailed the signed agreement back. Then I was informed that they canceled the trial modification because the agreement was never received, which can not be possible as I mailed it to them using their return label 3 different times. I am now being told that the modification is voided and I have to start over from square one and I now have an active foreclosure sale. Something is seriously wrong in this because I would not jeopardize the offer they provided and I made sure to comply with all their requests. I am uncertain why the labels they provided are not being directed to the correct department and now my 3 signed agreements are lost in action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
XX/XX/XXXX Negligent Mortgage Servicing Home Mortgage Account Number XXXX The above refinance loan from the XXXX XXXX XXXX closed in XX/XX/XXXX. In reviewing the closing documents in XX/XX/XXXX, I discovered that US Bank Home Mortgage, the loan service, had failed to record the transfer of the loan with the XXXX DC Recorder of Deeds, and had failed to send me the Deed of Trust and the Certificate of Title Insurance. I spoke with the Closing Agent, XXXX XXXX XXXX, concerning this matter, and he advised me to speak to US Bank Loan Officer XXXX XXXX. I informed XXXX XXXX that US Bank had failed to forward the Deed of Trust and other documents. He promised to forward the Deed of Trust but did not follow through. I subsequently reported this situation to US Bank Customer Service in XX/XX/XXXX. They responded to my complaint by sending me a copy of the Closing Document. Surely US Bank knows that a closing can not occur without the borrower having a copy of the Closing Document. I again wrote to US Bank on XX/XX/XXXX, indicating the above information. The response from the bank was a promise to look into the matter. A careful reading of the banks letter reveals its reticence concerning the Deed of Trust, the Certificate of Title Insurance, and the recording of the transfer of the loan with the DC  Recorder of Deeds. US Banks failure to complete these steps in the loan process violates my interests and contravenes the law. I should be grateful if you would kindly pursue this matter with US Bank.

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 2017-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
Aargon Agency Inc has n't validated this alleged debt as belonging to me. I have sent two certified mail asking the agency to provide me with proof. I have not received anything. I sent a certified letter on XXXX XXXX 2017 and XXXX XXXX 2017 and still have yet to receive proof of debt and signatures belonging 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 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I 've called the Experian multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received an adverse action notice from Synchrony Bank, dated  XXXX / XXXX / 2017 , in which they concluded there is a BANKRUPTCY PROCEEDING, CREDIT COUNCELING OR CREDITOR SETTLEMENT on my credit report based on an inquiry to   XXXX   by Synchrony Bank on  XXXX / XXXX / 2017 , resulting in the denial of a Walmart credit card with Synchrony Bank. This has resulted in an unwarranted financial hardship. I was prepared to take full advantage of the offer Synchrony Bank was currently running.   XXXX  There is no bankruptcy in my credit record, I have not received any credit counselling and have not been involved in any creditor settlement in any period which would be reported in my credit file. TransUnion staff verified this in a phone conversation on  XXXX / XXXX / 2017 . I also my TransUnion credit report on  XXXX / XXXX / 2017  and verified this myself.

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 2017-06-13 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I have been with  XXXX   XXXX  debt solutions since  XXXX -2016. Payments have been made on time every month to all credit card companies. I discovered that a lot of the credit card companies were reporting me late, so I sent in a dispute. It looks like all of them fixed the reporting issue accept   XXXX   XXXX   and  XXXX   XXXX .   XXXX   XXXX   shows I have never made a payment on time now which is completely wrong and   XXXX   XXXX    still is reporting me late and that is wrong. The only month that should have been late was  XXXX . From  XXXX -2016 to current all payments have been made by the debt management company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a purchase of XXXX LTC ( litecoin ) for {$4000.00} USD debited out of my bank account, few minutes later I received an email from Coinbase support saying Unfortunately, your purchase has been canceled. If you were charged, you will receive a full refund to your bank account within 3-4 business days. ), 2 weeks later and I still never received a refund into my bank account and coinbase never returned my emails, they do n't even have any phone numbers listed so we cant ever call them for help. I then on XX/XX/XXXX I  reversed this transaction through my bank XXXX, I rightfully got my money back a few days later, then on XX/XX/XXXX coinbase send me another email notification that they sold XXXX XXXX ( ethereum ) out of my account to recover {$4000.00} ( this is something I had previously purchased totally unrelated to this litecoin transaction and was purchased for the same exact dollar amount ( XXXX ETH for {$4000.00} ) on XX/XX/XXXX and fully paid for and settled, as you can see they had no right selling another asset to recover funds that were n't theirs, I am asking for my XXXX ETH to be put back into my account, I have all bank and coinbase transactions and proof needed, I have sent 6-7 emails to their support and no one gets back to me, Additionally on XX/XX/XXXX, I sold  {$3800.00} worth of Litecoin with the intention of buying another currency, after the sale the {$3800.00} went into my US Dollar wallet in Coinbase, then I tried to make a purchase with the funds in the US Dollar wallet and I get a system  notification that all buys in my account have been frozen, so now they are holding my money hostage and I have no way of getting {$3800.00} back, again they do not response to any emails..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are numerous complaints logged concerning this matter and still it remains unresolved. Just what does it take? I have contacted the company my balance   XXXX    paid in Full  XXXX   XXXX  did not close the acct but was advised by the creditor " the account credit line remained open for purchases. '' I have filed the written  XXXX  character explanation. I have contacted the creditors and still this company can not post correctly. Last report I was informed it would take 60 days and the multiple complaints open for months. Mortgage paid  XXXX  Balance  XXXX    XXXX  ! 2 Months more unacceptable. This report number  XXXX   XXXX  Impacting me financially significantly showing debt that does not exist.

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 2017-06-13 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I have been with  XXXX   XXXX    XXXX   XXXX   since  XXXX -2016. Payments have been made on time every month to all credit card companies. I discovered that a lot of the credit card companies were reporting me late, so I sent in a dispute. It looks like all of them fixed the reporting issue accept Best Buy and   XXXX    XXXX . Best buy shows I have never made a payment on time now which is completely wrong and   XXXX   XXXX   still is reporting me late and that is wrong. The only month that should have been late was  XXXX . From  XXXX -2016 to current all payments have been made by the debt management company.

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