vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have a checking account with the Bank of America on Saturday XXXX/XXXX/XXXX, I received text alert indicating my account was overdrawn, then my XXXX membership fee which is automatic recurring charge was applied XXXX/XXXX/XXXX & I also received a text alert too. On Tuesday morning XXXX/XXXX/XXXX, I received another text alert stating that overdrawn fee of {$35.00} was added & a afternoon text alert came stating insufficient funds to my account. Wednesday morning XXXX I received another text alert stating my Bank of America account is still overdrawn an the negative amount. Thursday XXXX I received another text alert stating ( " Bring your account current before XXXX/XXXX/XXXX to avoid a {$35.00} extended overdrawn balance charge. This is in addition to overdraft fees '' ). Friday XXXX/XXXX/XXXX @ XXXX I went to Bank of America ATM deposited {$100.00} in cash, I received a text alert Saturday morning XXXX/XXXX/XXXX XXXX indicating a positive Available balance for my account & Sunday morning XXXX/XXXX/XXXX & Monday XXXX/XXXX/XXXX the same statement via text alerts. On XXXX/XXXX/XXXX Tuesday morning XXXX, the same text alert positive available balance, then at XXXX on XXXX/XXXX/XXXX text alert came your available balance on your acct has dropped to negative & {$35.00} overdrawn fee was also applied.

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 2017-09-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
As of XX/XX/XXXX l have requested a relief on my VA Loan and mortgage payments and have filled application correctly and provided all documents, requested by lender for VA Loan Modification. 
In which in Texas Laws has a non disclosure ammendment in not disclosing your private information. 
It has been 90 days and there is no amicably remedy or resolutions in making my VA mortgage more affordable. 
In which lender knows that l am XXXX and Retired, Divorced  and live alone in my home and have XXXX Lifetime income pension, without Federal Taxes been deducted until VA Loan modification is ammended. 
Once, VA Loan Modification is ammended, than XXXX XXXX XXXX will start deducting {$600.00} to pay Federal taxes. 
I owed {$9000.00} in back taxes from XXXX, because of the high mortgage payment and lender VA loan process didnt disclose on Federal taxes not bern deducted during VA home purchase on XX/XX/XXXX. 
I have told prior lender XXXX XXXX of XXXX, Texas and First Continental Mortgage that l can not afford the VA mortgage of around  {$1700.00} or {$1800.00} @ month. 
But lenders refuse to take matters into account before selling home on XX/XX/XXXX l sign documents because lenders stating that my VA mortgage will be lowered. 
On XX/XX/XXXX l discovered Frauds on VA Loan and Escrow and filed various Federal complaints that Lender opted to pay my VA mortgage from XX/XX/XXXX till XX/XX/XXXX. 
First Continental Mortgage stated they supported me to give me financial hardship relief. 
Why didnt Lender modified my VA loan in XX/XX/XXXX and made it more affordable? 
Than on XX/XX/XXXX, lender modified loan but is was still to high for me at {$1900.00} or {$1.00} XXXX. 
I sign documents on XX/XX/XXXX because l was going through a foreclosure status as l am going through a Foreclosure status on XX/XX/XXXX. 
Why lender investors wouldnt approve VA Loan modification and lower VA mortgage payments? 
Maybe, because investors and lenders are tired of me alerting the Federal Government in reminding Federal Government of the VA  Loan Frauds and Escrow Frauds. 
I am going through XXXX XXXX XXXX XXXX and stress and fears in losing my home in been homeless on the streets of XXXX, Texas. 
My family in XXXX, XXXX has a major issues with Hurricane Irma and devastation and possible lives with be lost because of the Hurricanes. 
I am asking with resoect to lender investors to provide me with a affordable VA loan mortgage payment, so l can start making my timely monthly payments, each month. 
This is a Urgent matters on VA Loan Modification. 
As a XXXX XXXX XXXX Veteran l aporeciate the investors and lender support. 
Please, pray for my family in XXXX, XXXX as Hurricane Irma will be affecting XXXX community and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: E*TRADE BANK
State: CA

Complaint narrative:
Hello,

Thank for your time.  On Friday XX/XX/XXXX attempts to transfer funds to two of three accounts held at Etrade Bank.  Upn not being able to transfer funds either by ACH (check) or Direct Deposit i phoned customer service.  The rep stated the accounts were in the process of being closed and refused to provide any explanation for the closures, and also wouldn't provide a supervisor whom could more insightful explanation of the situation.

With phone calls to the customer service dept. who refused to provide  any explanation or answers as to why the company abruptly closed and blocked the accounts I found the accounts open online through the online banking site end of the company.

From the Online banking site, a request as follows:

START----------->
Sent: XX/XX/XXXX XXXX XXXX
Reference Number: XXXX

Customer Service Message:


Dear XXXX XXXX,

Thank you for your message regarding your account.

At this time E*TRADE has chosen to no longer do business with you because there has been abuse of this account and known fraud. As a result this account will be closed. 

Should you have additional questions, please feel free to respond to this message or contact our Customer Service team at XXXX (+XXXX XXXX). Our representatives are available 24 hours a day, seven days a week.

Sincerely,

XXXX XXXX
Sunday - Wednesday XXXX - XXXX ET
XXXX (XXXX)
Associate Financial Services Representative
E*TRADE Securities LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Acceptance Corp
State: WA

Complaint narrative:
I SET A SETTLEMENT UP WITH THE COMPANY TO TAKE CARE OF THE DEBT, THEN I CALLED TO CHANGE THE PAYMENT AS I REALIZED I DID NOT HAVE ENOUGH MONEY TO COVER THE ORIGINAL SETTLEMENT. THEY AGREED TO TAKE THE LESSOR AMOUNT. LATER IN THE DAY I REALIZED THAT THEY HAD TAKEN BOTH PAYMENTS FROM MY ACCOUNT A TOTAL OF XXXX $ I ONLY OWED THEM XXXX FOR THE SETTLEMENT. THEY HAVE NOT RETURNED THE MONEY TO MY CARD YET AND HAVE NOT CONTACTED ME TO LET ME KNOW WHEN THEY WILL RETURN THE MONEY TO ME. THE EXTRA MONEY THEY TOOK WAS PART OF MY RENT. THEY ALSO REFUSED TO RETURN THE XXXX TO MY CARD AND SAID THY WILL ONLY RETURN THE SMALLER PAYMENT OF {$600.00} EVEN THOUGH THEY PREVIOUSLY AGREED TO TAKE THE SMALLER PAYMENT. THEY HAVE ALSO SENT ME THREATENING LETTERS SAYING THEY WERE GOING TO SUE ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XXXX XXXX, XXXX I went to 3 JP Morgan Chase Bank branches in XXXX, Ohio to cash a refund check from Ohio University from my federal student loan. Chase has an account with XXXX University and their name is on the check. The first branch i went to was XXXX, XXXX XXXX XXXX. XXXX, Ohio XXXX. I gave the teller 2 pieces of picture IDs which was my Driver 's License and an employment ID and I endorsed the check with my signature on the back right in front of the male teller. He did not ask me for any additional ID but he asked me did i have an account with Chase. I told him no and i was willing to pay for the check cashing fee which was {$8.00}. He log on to the computer and told me the computer was not working and he could not cash it and then he stamped endorsement cancel on the back of the check. I left and went to a 2nd branch located in XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. This branch cashed my last refund check from Ohio University a couple months ago. This time when i tried to get the check cash there, the female teller refused to cash it and I was told by an male employee that the amount was too high. The staff also requested a stub for the check which i gave to them. Then the staff told me to sit down and wait while they make a phone call, then they motioned me over to a desk and told me they couldnt cash the check because the computer was not working and ask me did i have any more identification. I took my id information and the check and left. 

That is when i called Consumer Financial Protection and gave an account of what happened. The first 2 calls were accidentally dropped but the 3rd call wasnt and i spoke with a lady and told her what was going on. She suggested i file a complaint online. After i hung up with her, i went to a 3rd Chase branch located at XXXX XXXX XXXX. XXXX, Ohio XXXX. The male teller told me that the amount on the check was over Chase 's limit. He told me to wait while he called for approval. After he called, he told me, he couldnt cash it because it wasnt approve. I left that branch and went home with my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I noticed XXXX Credit Card today that I am unable to meet the minimum payment requirements. I had a change in income due to someone in my family losing their job. They informed me that there was nothing they could do and that they would not lower the monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Recoveries, Inc.
State: NY

Complaint narrative:
Good Day, On XXXX XXXX I received a letter stating it was from the US Department of Education and that they were attempting to collect on a defaulted student loan of mine which I owed {$3200.00} ( Approximately ) in principal ( I have no idea how high this figure actually is as I stopped receiving notices at least 5 years ago ). In these documents was a notice for hearing and some paperwork to fill out for financial earnings. I filed a request for a hearing with the Department of Education as well as signed a notice to voluntarily pay {$50.00} a month towards this debt. On Tuesday, XXXX XXXX I received a letter from a collection agency called National Recoveries based out of XXXX XXXX Minnesota, asking me to submit documents for my hearing which is not at the Education Department but with National Recoveries. If I knew that it was not the Department of Education that was contacting me but a collection agency I would never have asked for a hearing or signed the voluntary garnishment form. I feel they misrepresented themselves as a government agency and not a collection agency and that this was an effort to defraud me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I originally looked up the phone number of NAVIENT online on my computer. XXXX XXXX is who answered my call. I asked him why my recent statement from NAVIENT did not reflect my past payments. He stated what I needed was a new loan, that decreased my capitalized interest debt to better cover my loan. He said he could do the paperwork, submit it, and deducted {$790.00} from my bank account. This was on XX/XX/XXXX. 

I later received a letter from NAVIENT, dated XX/XX/XXXX, stating that my NEW loan was denied because I was not within the 90 days of my re-up date on my PRESENT loan. I then called XXXX XXXX again to straighten this out, and get my money back. The number for XXXX XXXX first went unanswered. I called his number repeatedly. On the last two attempts, I reached a voice mail asking me to leave a message ; which I did. The recorded message said I had reached XXXX XXXX XXXX. This is the third party administrator who does all of the loan paperwork. 

When I first spoke with XXXX XXXX, I thought I was speaking to NAVIENT. That was the phone number I had called to start with. He looked at my NAVIENT account, he had all of my information in front of him, he should have known that I was not within my 90 day window to change the terms of my student loan. If that was such a deal breaker why did n't he just say that in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo is reporting a charged off account on my credit which I did n't even know I had. I recently found out about a card on my credit report that has charged off last year. I never received a phone call or notice from them one time. I saw it on my credit report recently and immediately contacted them. I have not used the card nor did I know of its existence. I am unsure if my ex from years ago did this and if so it is her responsibility but I did not sign for this card that I can remember. 
If I would have received a call or notice on this account I would have handled it at that time. How was an account opened in my name? This has affected my financing of a home and I was forced to pay this debt to move forward even though I do not owe nor have I used the card.

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 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have previously had my credit report frozen on all three credit bureaus. 
Around XXXX/XXXX/XXXX I placed a temporary lift on all three bureaus in order to obtain a loan for a house. 
I received my bank statement and saw that EQUIFAXhad charged me {$5.00} twice. 
Today XXXX/XXXX/XXXX I attempted to obtain a refund via phone but was told that I had to FAX a cover letter, bank statement and two forms of ID. I informed them that I did n't have a fax and requested an email address that I could send it to. They stated that they did n't have one and that I could mail it. I asked if they would also refund me the postage and was told no. I asked for the EQUIFAX Public Relations Number and was given a phone number. This number turned out to be the Consumer Financial Protection Bureau. Was directed by the CFPB person to submit the claim here. 

I have included a bank statement with non-pertinent information redacted. 
Thank you as this is much easier than working through EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I attended XXXX XXXX college in XXXX New Jersey and in XXXX New Jersey and while I was in rolled I went to school one day and the doors were shut and now I 'm stuck with a huge loan that I have to repay where I was being garnished and my income tax is taking and I am struggling to get my credit score back up I have no credit because of this and I am legally supposed to be getting it forgives but they 're giving me a hard time this company because they 're so stuck on getting repaid but I am entitled to getting all my money back because I never got to graduate and I can not get my credits transferred in the school shut down while I was in rolled I believe I am entitled to get all my money back and I want to be in a class action lawsuit against the school

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Re : XXXX XXXX store credit card account through Comenity Bank, interest-free promotional plans. 

On every Comenity Bank XXXX XXXX monthly statement are these instructions : " You must pay your promotional balance of $ XX in full by DD/MM/YYYY to avoid paying interest. '' If you follow those instructions provided by Comenity Bank XXXX XXXX on your monthly statement " to avoid paying interest '' and you have more than one promotional balance, you will definitely NOT pay off your balances in time to avoid paying interest. Those instructions are totally false and misleading. 

When you send in a payment on your Comenity Bank XXXX XXXX account, even if it is above or in addition to the minimum monthly payment due, they split every payment among any other promotional balances you have. 

For example, if my Comenity Bank XXXX XXXX statement says I have a promotional balance due today of {$100.00} and I send them {$100.00} today, I will NOT avoid paying interest on that promotional balance if I also have another promotional balance ; they will split that {$100.00} among any other promotional balances I have. 

If I want to pay off the {$100.00} on that promotional balance due today " to avoid paying interest, '' I must actually send Comenity Bank more than that. Comenity Bank does NOT explain this anywhere on the monthly statement. I would have NO way of knowing how much money I actually need to send today to pay off that {$100.00} balance. 

There is nothing on the monthly statement explaining this allocation of payments in general. Furthermore, if customers who have more than one promotional balance follow the instructions that are provided by Comenity Bank on their monthly statements, none of them will ever receive the promotional " offer. '' Comenity Bank is offering interest-free financing and appears to be providing misleading instructions which can actually ensure that customers will not benefit from it. Appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC
State: IN

Complaint narrative:
FMR, Forward Movement Recovery, has used an automated dialer to call my personal cell phone repeatedly for the past week leaving messages for someone who is not me and who I do not know. 

I have now taken time out of my work day to call them back and tell them to put my number on their do not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Coinbase has " temporarily disabled '' my account for over a month. After several times of contacting support via their support request, no response has been given by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have disputed the account on XXXX XXXX XXXX XXXX multiple times with Equifax. They continue to keep this account on my credit after validation request was not provided. There was a couple of times that I did not get a response in timely manner from Equifax. I have given Equifax information that XXXX has not provided validation of the debt and the other credit agency 's have already deleted this from my report but Equifax continues to state this is validated and it clearly has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
Ocwen Loan Servicing, LLC refuses to allow me to represent my mother 's estate. I have letters of administration, but it will not give me any information about my XXXX  mother 's mortgage, or how to pay it. I have provided them with all of the documents they have requested, but they still refuse to deal with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report XX/XX/XXXX and realized that there were a few mistakes One in particular from XXXX XXXX who has reported that there was a late payment XX/XX/XXXX.
1 ) I contacted XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX via phone and was told I must take up the matter with the bureaus and was not able to get an explanation or additional information 2 ) I Disputed this late payment via certified mail to all 3 credit bureaus in XX/XX/XXXX. It has been over 30 days and have not received any correspondence thus far.

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