vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Residential Credit Opportunities Trust
State: CA

Complaint narrative:
Residential Credit Opportunities Trust V ( RCO ) & CEO XXXX XXXX & XXXX XXXX are in violation of California Home Owner 's Bill of Rights ( CAHBOR ) and ethical violations regarding financial matters. 

At issue is RCO 's refusal to comply with CAHBOR which requires them allow borrower to avoid foreclosure. RCO instead is bypassing all foreclosure avoidance programs and trying to force borrower into friendly foreclosure or deed in lieu. RCO must comply with state law and allow borrower to move forward with short sale. It is understood and accepted that there is too much arrears to be considered for modification however a short sale is NOT a foreclosure as deed in lieu is and allows the state given right to borrower to avoid foreclosure. 

On XX/XX/18 borrower had a phone conversation with XXXX XXXX who very rudely and unethically informed borrower that he would not allow her to modify or short sale her home because he could just take the home and sell it himself. This is a violation of both the spirit and the letter of the law. Investors or servicers can not operate above the law. It is hereby demanded that RCO follow the law and requested the CFPB investigate fully the business practices of RCO as based on the phone conversation with both XXXX and RCO, RCO is out to act as a foreclosure mill and steal people 's homes. This unethical and unacceptable in California and must cease and desist immediately.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
This is complaint about MoneyGram. On XX/XX/2018 I did online international transfer in amount of {$5600.00}. After I did transaction I received a call from MoneyGram to verify transaction and after verification Ive been told that transaction is approved and I will receive confirmation email in couple minutes with reference number. I waited for 3 hours and didnt get confirmation email. I checked online and MoneyGram had stated error on transaction without explanation of error. And I didnt receive cancellation email. I called customer service and Ive been told that transaction exceeded limit and the transaction had been cancelled due to internal and external errors. But the next day MoneyGram withdrew the transaction amount from my bank account. So I called MoneyGram and they told me that my money will be refunded in 12 business days. Now I really dont have enough money on my bank account to run my business efficiently because of MoneyGram. I dont have enough money to complete this transfer by other options and it hurts my reputation from my business partners and I am suffering business losses. Who will cover m business losses? MoneyGram does unprofessional business with customers. This whole experience with MoneyGram is very bad. My advice to everyone do not do any business with MoneyGram at all. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have two credit card accounts that are open and current with XXXX XXXX XXXX.

On one of the cards, I am the primary account holder. On the other, I am the authorized user.

Neither of these two credit card accounts are being reported to the 4 major credit bureaus as open and current. They are both are missing from my credit reports. 

I have contacted XXXX, XXXX, XXXX, and XXXX and none of them have admitted the problem or attempted to fix it. 

This is severely hurting my credit score, because these accounts are both open a long time, and our in good standing. 

I have also contacted XXXX XXXX XXXX, to have them fix it, but alas, nothing has been accomplished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Summit Financial Corp.
State: FL

Complaint narrative:
I am making monthly payments of {$490.00} on a XXXX XXXX XXXX to Summit  Finance. In XX/XX/2016, the original loan amount was XXXX. I tried to re-finance through this lender but was denied. Then I tried to re-finance through my bank but was also declined. I found out that for over two years I have been paying only XXXX towards the principle. The car is only worth XXXX and the pay-off amount is XXXX. The dealership told me they were charging me 24 % INTEREST. THIS IS CRIMINAL! IHAVE BEEN UNDER EXTREME FINANCIAL HARDSHIP for the past two years and at a rate such as this I may not live that long to ever pay it off! I also did some nvestigating of 'Summit Financial Corp. and they recently declaRED BANKRUPTCY. I AM CURRENTLY WORKING WITH XXXX XXXX TO REPAIR MY CREDIT-but in the meantime I continue to be financially XXXX by this company. aLL i AM TRYING TO DO IS GET A LOWER MONTHLY PAYMENT. i AM A XXXX VETERAN AND LIVE ON A FIXED INCOME 100 % SERVICE CONNECTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I contacted Wells Fargo regarding a purchase from XXXX XXXX for a vehicle that I rented which did not meet my expectations. Issues with the vehicle included faulty unsafe equipment, AC that did not work, and ultimately vehicle suffered a mechanical malfunction. XXXX had been notified through their consumer relations department and through two separate XXXX XXXX XXXX complaints. ( Complaints XXXX onXX/XX/XXXX, and XXXX on XX/XX/XXXX respectively ) Wells Fargo was contacted on XX/XX/XXXX and instructed to place a stop payment on any XXXX transaction. They were given card numbers, and pertinent details regarding the matter. Additionally, they were contacted again on the XX/XX/XXXX and given a specific dollar amount to add to the stop payment order. On XX/XX/XXXX, the transaction in dispute posted to my account in the amount of {$1100.00}. On XX/XX/XXXX, I was informed to file a dispute to the transaction. Upon speaking to the dispute representative, I was informed that I did owe them money, that I did purchase a product from them. Wells Fargo is not the moral adjudicator for my financial dealings, nor do they have sufficient information to determine whether XXXX honored their portion of their obligation to me. Wells Fargo did not act within the scope of their obligation on my behalf. Wells Fargo did not honor the stop payment requested by me on two different occasions, and Wells Fargo did not act in good faith on my behalf, their customer. The representative simply read XXXX invoice ver batum. I was under the false impression that Wells Fargo sought to assist their customer, not act on behalf of the merchant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: GA

Complaint narrative:
In the month of XX/XX/2018 I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32ps. I emailed Credit Karma right away when I first saw my credit score had dropped. Credit Karma and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus XXXX, XXXX, and I visited XXXX still no one could tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at did not apply to me. One factor was incorrect they said I have only had credit for 2 yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: BMW Financial Services NA, LLC
State: MN

Complaint narrative:
BMW Financial Services called my cell phone at XXXX on Tuesday XX/XX/2018. A voicemail was left. The number that appeared on my caller ID is XXXX. The person who left the voicemail is named XXXX, and it was requested that I return his call to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Federal Pacific Credit Company, LLC
State: MD

Complaint narrative:
A credit collection agency unknown to me federal pacific credit Co made a false statement in regards to me agreeing to pay a debt I asked the company to send a validation of the debt in regards to the collection letter sent to me in XX/XX/XXXX I previously filed a complaint on the matter the company in returned stated in the response that I agreed in XX/XX/XXXX which would be impossible since they sent me a letter inXX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
This has been an ongoing issue with XXXX  XXXX XXXX. They keep sending this account to different collection agencies, XXXX XXXX, then, XXXX XXXX and now Rubin & Rothman, LLC.Sent letters in XXXX, XX/XX/XXXX, In XXXX sent letters in XXXX and XXXX to validate my dispute of the amount of {$19000.00}. Failed to provide me with a copy of any viable evidence bearing my signature. Requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Requested " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports including XXXX, XXXX  and XXXX from your company or any company that you represent for a debt that I don't owe is a violation of the FCRA & FDCA therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. It is a violation for : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Furthermore, XXXX XXXX and XXXX XXXX were sent certified letters in XXXX and XX/XX/XXXX and did not respond in a timely manner to my initial letters which violated Federal law. In XXXX v. XXXX XXXX XXXX. No XXXX ( C.D. Cal XX/XX/XXXX ), they can be liable for willful non-compliance. By violating federal law, by not properly investigating with the required timeframe, and I have the evidence of such, via certified mail receipts, the item must now be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was shocked and alarmed when I received my credit report. 

Creditor : WELLS FARGO MORTGAGE ACCOUNT # XXXX I was never late 30,60,90 days on the date (XX/XX/XXXX) and ( XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX I'm not sure what happened I always made my payments on time to you, when I received my statements. My only thought is that there was a billing error with my statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Nationwide Financial Group
State: NV

Complaint narrative:
After becoming a widow we had some unauthorized activities on an account and decided to close that bank account. The car loan company XXXX XXXX was given notice of this months in advanced. While waiting for a form in the mail to authorize the change ( for two months ) payments were made over the phone. A customer service agent walked me through an illlegitamite online bill pay setup for the following month while also taking current payment over the phone on the XX/XX/18. Sure enough funds were withdrawn from both accounts. Causing more havoc on the accciunt we have been trying to close and holding up the closure of the account that would leave us with some funds to transfer out with. I have been promised the account to be reimbursed and have been waiting and watching daily!! So very frustrating!! How is this okay for the company to do? How much tube do they have to fix the problem??

Company response to consumer: Untimely response
Consumer complaint received 2018-04-17 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:
There is an item listed which is past the statute and unverifiable and needs to be removed off of my personal credit file. Please help as I tried to resolve the issue and no outcome Account listed is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
There is an item listed which is past the statute and unverifiable and needs to be removed off of my personal credit file. Please help as I tried to resolve the issue and no outcome Account listed is 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 2018-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IN

Complaint narrative:
One of my loans was transferred to XXXX XXXX in XX/XX/2018. I don't know which loan because I never received any correspondence. I just received an email today stating that my loan is past due even though I paid all my bills on time. I tried reaching the XXXX number listed in the email but no one picked up after 20+ minutes of holding. The email said XXXX has a Live Chat option on their website from XXXX - XXXX ET, but it's XXXX and no Live Chat attendants are online. I would like to know if anyone actually works at this place because they seem sketchy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XXXX/Walmart cancelled my credit on XX/XX/XXXX. I contacted customer service several times and no one could help me I was told to wait for a letter in the mail because for some strange reason they were unable to read it on their computers. They informed me to contact XXXX  because this information was given by them. I contacted XXXX and was informed they do not give out information they receive the information and they do not know why Walmart would say such a thing. On XX/XX/XXXX I contacted Walmart again asking the reason for my card being cancelled because I did not receive any letter in the mail the representative could not give me an answer so requested to speak to a Supervisor I spoke with a supervisor and she informed me my card was cancelled because I am at a higher risk for fraud than others I asked could she better explain it to me and she stated she could not and that is what it stated on the computer I than ask to speak with her manger and was transferred to XXXX ID # XXXX and he gave me the same information I asked him was there anyone I can speak with and he told me no he is the highest level supervisor. I can not get through to anyone and no one will help me. I feel this is a form of discrimination because how was this determined based of the area I live or was it because of my race. I asked questions and he could not give me answers I informed him this was discrimination and he did not say anything. I had my credit card with Walmart since XX/XX/XXXX and never missed on payment and used my card frequently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I am currently back in school but Navient will not afford me an in school deferment as it says I have exhausted forbearance limits or something to that effect. In XX/XX/XXXXI tried to set up a payment arrangement, made a down payment and then I would have set payments of {$440.00} which would have to be reviewed in a year. Going through this process I received a letter that said I didn't qualify and then I got a call from the company saying otherwise. Only to soon after receive another letter stating I again did not qualify. So you can imagine the confusion on what I was suppose to do. On XX/XX/XXXX I learned was my last day in my current position. So now I don't have a job to even afford to pay but could really use an in school deferment. I will be reaching back out to the company today XX/XX/XXXX to inform them of new details and to try once again to get a deferment until I obtain employment again. The other concern I had was are these loans even legal as they were given to me while obtaining my undergraduate degree and they would never certify with my school which as I realized later was very predatory in how they did the lending at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
XX/XX/XXXX - I responded to a promotional credit card offer from Suntrust ( offer attached ). As part of the application process, I provided account information for my XXXX XXXX Credit Card as a card balance I was interested in transferring. This account is currently under a 0 % interest promotional period until XX/XX/XXXX. I was interested in transferring the balance before the promotional period expired. 
XX/XX/XXXX - I received notice via e-mail that my application had been approved for a credit line of {$2300.00} ( see attachment ) XX/XX/XXXX -  I received a letter from Suntrust stating that since my approved credit line was less than the balance I had requested to transfer, Suntrust would transfer {$2300.00} of the approximately {$4500.00} balance from my XXXX XXXX account unless I instructed them otherwise. 
XX/XX/XXXX - I e-mailed Suntrust customer care using the only e-mail contact available on the Suntrust website advising that I was not interested in transferring a partial balance from my XXXX XXXX account and specifying two smaller balance accounts to transfer instead ( see attachment ). 
XX/XX/XXXX - I checked my XXXX XXXX balance and realized that Suntrust had transferred {$2300.00} against my instructions and against their written policies ( see attached disclosure ). After a little more research, I determined that Suntrust had transferred not only the XXXX XXXX balance that I had instructed them not to, but the smaller card balances that I had requested resulting in my having a balance of {$3800.00} ( {$1500.00} over my approved credit limit ). I again e-mailed Suntrust and requested an explanation ( see attachment ). 
After several e-mails and telephone calls to Suntrust 's Customer Comment Line ( which uses a very complicated automated system and has many tiers of CSRs without the authority to resolve the issues ), I received a voicemail message yesterday from XXXX XXXX, a Suntrust representative, advising that they had e-mailed XXXX XXXX and asked them to return the {$2300.00}. XXXX XXXX stated that that was Suntrust 's final resolution to the issue, and they had no intention of taking further action. 
A copy of my Suntrust statement is attached showing that Suntrust charged interest on the entire {$3800.00} balance and is currently showing a minimum payment of {$1500.00} due on XX/XX/XXXX. 
I have worked for years to maintain and improve my credit score.  That is why I applied for this card. Instead, Suntrust 's actions have already caused my credit score to drop 72 points. If they are allowed to require a minimum payment of more than {$1500.00} in two weeks, I will never be able to recover. If their actions were good faith errors, why are they not interested in correcting them?

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