vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
This is now the 3rd complaint submission to the CFPB about the same problem, as Bank of America continues to " lose '' faxes and continuously tell me wrong information that keeps me running in circles. As of XX/XX/2016 my father passed away ( XXXX XXXX ). The home I live in was under mortgage with BOA and my father was the borrower. I am the sole beneficiary on the deed. My father XXXX   unexpectedly. I, soon after his XXXX contacted BOA about taking over the mortgage. Since that original call, I have applied for modifications ( under the suggestion of BOA reps ) multiple times. Some have been " lost '' and some were just denied. A rep from the qualified assumptions department stated all he needed was an " affidavit of death '' I did that. It led nowhere. I then submitted information to the " title change department '' they then had me apply for a modification, that was subsequently denied. XXXX XXXX of BOA had me then fill out a qualified assumptions package. I checked with her several days later. She stated it was " lost '' She said she would call me the following Friday, XX/XX/XXXX. She never called, and every time I tried to contact her BOA message stated " your customer service rep is not available ''. I then submitted my 2nd complaint to the CFPB. I received a call from " XXXX '' in regulatory complaints. He stated assumptions are done all the time with no problem and all I needed to do was send in a letter with the deed to become successor in interest to this department " noe-rfi ''. The address XXXX gave me came up undeliverable by the USPS. I called him back to double check the address. He never returned my call. The letter was sent with tracking and signature required. The letter was never picked up. I have included a recent document from BOA, that clearly states I am eligible to APPLY for an assumption but to be approved would be based off of a credit report and the " ability to repay ''. This letter DIRECTLY contradicts everything the CFPB has clarified regarding heir 's taking over a mortgage when a borrower dies. The CFPB directly states in those circumstances the heir should not be made to jump through unnecessary hoops and also should not trigger the " ability to repay '' rule. I wish to remain in my home, I wish to assume the mortgage but with BOA constantly telling me the wrong information and losing my faxes, I continue to get nowhere. Please help. Thank you.

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 2018-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CBV Collection Services Ltd.

Complaint narrative:
Recently a this company has been spam calling me and texting me, making threats against my Credit and continuing to contact me after requested not too. Over mulitple expired debts. They claim I owe over 600 $ for a phone bill with XXXX. I and over 1000 $ for a phone bill with XXXX and making threats that they will attack my credit score to intentionally drop it to damage my life if I do not pay. They have called and texted me multiple times everyday for the past 3 weeks since XX/XX/XXXX to XX/XX/XXXX. Even after being requested to stop all contact around XX/XX/XXXX. Thus many Laws have been broken by this company, and they keep trying.

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 2018-03-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
In early XX/XX/XXXX, I purchased 5 {$50.00} American Express gift cards at XXXX. 
I lost one of the five {$50.00} cards on XX/XX/XXXX and called to say that I had lost one of the cards the previous evening. I did not write down the numbers on the card but kept the stickers on each of them. The representative took the information down and verbally indicated that I would be reimbursed. 

I subsequently have received at least four letters from American Express asking for documentation to support my request. The final letter dated XX/XX/XXXX indicated the receipt does not match. The Reference Number from American Express is XXXX and they will confirm that they have requested and I promptly responded to every request. 

The letter sent by AMEX does not have a phone number so there is no one I can call to discuss further. I was hoping that you could help me in resolving this issue. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09 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: VA

Complaint narrative:
Going over my Equifax report I see two delinquent accounts that are identical, this account should be listed once, not twice. Also, this account is showing that I have not paid the balance of {$290.00} when in fact this debt has been paid IN FULL in the form of my state tax refund. The account is as follows : XXXX Opened XX/XX/2017 Original Creditor - Virginia XXXX XXXX XXXX Amount - {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: SC

Complaint narrative:
Received unsolicited phone calls for debt collection company on several different occasions multiple times a day for person that was not me ( Looking for a " XXXX XXXX '' ). They left no information or voicemail. They would call up to 4-5 times per day. Ultimately I called them twice to have my name removed from the list however I work nights and these phone calls were harassing in nature without any information left to identify the collar or reason for phone call in voicemail.

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 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hello, I have been trying for months to cancel the credit monitoring service from Equifax. The only option available is to call in and cancel but I am never able to reach anyone. I just sit on hold for hours. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We are all aware of the numerous Wells Fargo account fraud scandal. I would like to make you aware of another distressing situation concerning Wells Fargo. 

On Saturday, XX/XX/XXXX I made an ATM deposit and deposited a check in the amount of {$12000.00}. This check was from my business account at XXXX XXXX XXXX XXXX XXXX. The check was made payable to me and signed by me. During the ATM deposit I incorrectly stated that the amount was {$1200.00}. Today is XX/XX/XXXX and none of this {$12000.00} is available even though the funds were removed from my XXXX XXXX XXXX XXXX XXXX Account on XX/XX/XXXX. Yesterday on XX/XX/XXXX I spent 75 minutes of my time on the phone with various Wells Fargo associates. Initially I was told that Wells Fargo had placed a hold because they were unfamiliar with the bank. Then I was told that one of the numbers on the check were wrong and hadnt been cleared and verified by XXXX XXXX XXXX XXXX XXXX, but yet the check cleared as {$12000.00} was removed out of my XXXX XXXX XXXX XXXX XXXX Account on XX/XX/XXXX. 

According to Regulation CC they are required to make the first {$5000.00} available. I am being told that my funds will become available on XX/XX/XXXX or XX/XX/XXXX. 

Although I dont need the funds right now I believe these ludicrous statements are also being made to other WF consumers who actually may need the funds and that they are utilizing the funds during this period of time while making it unavailable for withdrawal. 

My case number with Wells Fargo is XXXX And the Wells Fargo Executive Phone number I was given to follow up on my case is XXXX. 

Thank you

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 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I really needed to get to the ER because I suffered two injuries and i didn't have any insurance coverage. I cant afford to pay this debt because I have hit a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
On the morning of XX/XX/XXXX approx. XXXX XXXX  I received a call from my mother regarding a call she received about a debt, my debt. The representative of XXXX ( XXXX ) XX/XX/XXXX XXXX called my mothers cell phone number XXXX, spoke to my mother and informed her of my personal debt in detail without confirmation of the identity of the debtor. Based on information provided by my mother was that the caller asked for XXXX XXXX, my mother did not confirm her identity as XXXX, but merely responded how can I help you ... the representative then requested a date of birth, and my mother inquired who's and the response was for XXXX 's which of course my mother knew, and at that point the representative preceded with the debit details and pressuring for payment. The concerns is that my mother is a senior, fixed income and many personal medical issues and felt pressured to make restitution of this debt for me, but really does not have the means to do so ... .She told the representative that she would need to look at her budget and call back. At that time my mother called me in tears and upset and I was angry that they placed the pressure on my mother. I feel as though the pressure to collect and the lack of identity verification violates the regulations to protect the consumer and the consumers privacy. I followed up to obtain details of the debt be mailed to my home, so I may review and take the time to look at my budget and work to make restitution. I am sure there are recording of the exchange with the debt collector and would like them investigated for their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One closed my credit account without notification. I recently updated my address and requested a new card. Never got the card. Was looking at my credit reporting on XX/XX/18 and saw that the account had been closed. Called Capital One to see what was going on, was advised a " business decision '' had been made an the line would not be reopened. Had I known that the account was to be closed I would have used the card to keep it active and open. Capital One should have notified me and didn't. I just want to line reopened without me have to reapply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
2 years ago, I was able to work with the rate reduction team at navient, to lower the interest rate of my loans and have a fixed payment for the life of the loan. These payments were set up automatically, and for the next 2 years taken religiously without issue. 6 months ago, I was given a call stating that one of the loans were coming out of the program and no longer eligible ( after I was told they all were enrolled in the program ) I explained to the representative what I was told and who I spoke to 2 years prior and they were able to find the recordings and they would enroll the single account back into the program. 2 months later, I got another call from someone else, stating the same thing. In which, the same conversation ensued and the same result. 2 months after that, someone else called on the same issue, in which I explained and they told me everyone I spoke to prior to was wrong, and this particular loan was not eligible for the rate reduction program. They then had proceeded to place late payments on my credit report, and the automatic debits they had placed from years prior to was still paying that loan at the amount we agreed on, however, since now they wanted to say that one account at a 10 % rate was not eligible the amount they were debuting was not enough. I have been going back and forth with them, to backdate the loan, update the payments and my credit so that it is properly reporting my payments that been applied and taken on time. However, up until now, I still have no answer and have spoken with numerous representatives that acknowledge where they messed up and attempting to rectify with the credit area but tell me I have to wait 30 days for an answer from 3 different areas, in which, in the last 2 months I havent been able to have anything update and my credit continues to plummet. Ive disputed the information with the credit bureaus and they are receiving information from navient stating the late payments are correct, when they are telling me they will update the right information and notify the credit companies that I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I purchase furniture on a credit card with Synchrony Bank in the amount of {$1700.00} with a payment due date on the forth of every month. Their promotion was " interest free for one year. '' All my monthly payment were on time and I brought the principal balance down to {$510.00}. The promotion period ended on XX/XX/XXXX. 

I received my XX/XX/XXXX statement showing the they are charging me {$430.00} interest for 11 days. On XX/XX/XXXX I sent them a letter voicing my opinion of disgust with their interest charge for 11 days, and sent them a check for the balance of {$510.00} One of the conditions in my letter was if they refuse to waive the atrocious interest of {$430.00} not to cash my check and return it to me. On XX/XX/XXXX I received a response and needless to say, they cashed my check and are now demanding payment of the interest charge. I suspect this is deceptive business practice and usury interest fee.

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 2018-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I am going to start by saying that it is disheartening to me that in order to receive any sort of response or corrective action from my Mortgage company I need to file a complaint with the CFPB. 
XXXX, XXXX and XXXX of 2017 I was approved for a modification from my mortgage company and at that time they locked my account so I couldn't make a payment online. I needed to mail in checks. My modification was approved in XXXX of 2017 and back to normal in XXXX of 2017 since then I have had no online access. Each time I attempt to access my account I get user name or password incorrect. I have changed both numerous times. 

I called Freedom maybe in XXXX of 2017 to find out why this was happening and the person I spoke with said they would delete my account and I would have to re-activate it, which I did and that still didn't work. I asked her if I could talk with their tech department and I was told " we don't have one ". I tried again in XXXX, no luck and in XXXX still no luck so I called back and this time I was told they were going to open a ticket with the tech department. ( I knew they had one! this just goes to show much misinformation is given to customers when calling Freedom ) It is now XX/XX/XXXX I still can not access my account online and when I call to check the status they say we see a ticket open with our tech department keep trying. 

I honestly feel that Freedom mortgage makes a living off of unfair and deceptive practices and skirts the rules because they deal with FHA loans. I truly and honestly feel that they are in violation of UDAAP. Most people who have an FHA have had or are having money issues and are at the mercy of Freedom. Freedom is notoriously wrong to providing misinformation to customers and gets away with it. I in fact almost lost my house because of misinformation and the response I received was " we apologize for the misinformation ''

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 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: WI

Complaint narrative:
I had visited the ER because I received an injury and did not have any medical coverage or income to cover the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
A check of the amount of {$1500.00} was endorsed to me and i went to my local Wells Fargo branch on XX/XX/2018 and deposited it into the ATM. I thoroughly checked the security details of this check with a black light and tried to smudge the ink on the check with water. Everything checked out perfectly.The full amount of the check went on to clear into my account on XX/XX/2018. I went into the same branch and withdrew {$1300.00} of the money. On XX/XX/2018 the check was returned as a fraudulent check. 
Had Wells Fargo waited the three days to clear this check, as they have every other transaction i have ever made with them, this situation would have never arouse. 
I have spent countless hours at the branch, where they told me it was not fraud, so they refused to even start a claim. I have finally gotten through to a manager, over their customer service line named " XXXX '' and had a lengthy discussion with him about why the money was ever credited to me within 24 hours and how poor the customer service has been, so far. The biggest issue I can see is I am clearly NOT the only person their bad banking is effecting, considering it is on countless national news headlines. My life has personally been debilitated by this fraudulent check scam. And it seems as Wells Fargo does not care about me, or any of their other customers. I only hope to resolve this issue as soon as possible, close my account, find a new bank, and warn everyone I know of the way Wells Fargo conducts their " business. ''

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 2018-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was called this morning, and an IVR told me that they've tried to reach me several times about a " critical issue '' pertaining to the interest rate on my credit card. I pressed 1 to find out what this was all about, because this was the first I was hearing of it. I was then transferred to an individual who started speaking in such a hushed monotone ( and quiet volume ) that I had to ask him to repeat himself. He then did, at which point he said this was a line to call about lowering my interest rate on my Visa credit card. I said no, I'm not interested, but I was wondering if there was an issue that needed to be amended because the IVR made it sound like I was not attending to an issue and that I was going to be charged with some sort of penalty. Before I could finish speaking though, the representative hung up on me! I was being courteous as well, so now I'm very confused as to whether or not I'm still in the doghouse and why the representative was so rude in hanging up one me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Miller and Steeno, P.C.
State: MO

Complaint narrative:
A judgment was filed against me by an attorney on behalf of XXXX XXXX in XXXX. In XX/XX/XXXX, the judgment was declared satisfied due to the judgment not being revived within the statute of limitations. In XX/XX/XXXX, I received a letter from the same attorney demanding payment.

Company response to consumer: Closed with explanation