vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On X/XX/17 Wells Fargo withdrew money from my checking account for a charge that I do n't recognize. Maybe it should have been taken out, maybe not, I have no way to find out because I called them and they told me that it was an online transaction by XXXX XXXX and the online withdrawer had my account number but nothing else. I repeated that I needed to know what it was for and they told me that unless I stated that I did n't receive any services or product for that withdrawal, they could n't investigate the charge. I objected that I did n't KNOW what the charge was for and that 's why I contacted them. I could n't LIE and say it was n't legit when they could n't tell me anything other than that XXXX XXXX had my account number, else they could n't have made the withdrawal. I again refused to lie and asked to speak to a supervisor. She said she was sorry and they did n't do business like that - and I pointed out that they just had! She went on to create further problems. I gave her my account number over the phone and she said it was too long. I read it right off my check! Then, she told me the number she had and she had it wrong. She finally put me on hold and after waiting way too long, I hung up and called their main headquarters in XXXX XXXX. There, I was told that I should n't lie to the bank and I needed to go into a branch office so that they could call their back office and help me. Baloney! I should be able to call and get the information about that charge and it 's not my fault they did n't get all the information they should have before they took it out of my account. I told them I was XXXX and ca n't easily get to the bank, but that should n't make any difference - they should be able to give me information on money they took out of my account when I call the main customer service number - not tell me I have to lie to get that information or go into a branch so they can call their " back office '' from there. There 's something really XXXX about all this and I need some help!

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 2017-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: MI

Complaint narrative:
This is a follow up of my original complaint case #  XXXX   XXXX .  PNC  Bak has failed to provide me with and explanation why {$360.00} was taken out of my personal checking account ending in  XXXX  on  XXXX ,   XXXX    XXXX . They have failed to provide me with the complete investigation file which  PNC Bank  claims I have mishandled my personal checking account.     This request is specifically directed to a letter dated  XXXX   XXXX ,   XXXX   Ref. #  XXXX . In that lette r PNC Ban k used as a reason to deny my request for a credit card.   see reason #  XXXX  " Unsatisfactory handling of your relationsh ip ( s ) wit h us '' I have requested a detailed explanation of both issues 7 times, in writing, verbally over the phone and walking into branches. There are serious security issues with the {$360.00} ATM withdrawal of my account and I have a legal right to know what exactly happened. Further, if  PNC ban k is claiming I have mishandled my personal checking account, that claim has the potential to negatively impact my reputation.   I want the information i have requested and hoping  PNC ba nk will comply with federal and state laws that clearly state they MUST provide the information requested. Otherwise I will be forced to file civil claims and through that venue I will ascertain it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  WAKEFIELD & ASSOCIATES  license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101. WAKEFIELD & ASSOCIATES  does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-105  states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES AC T 62-20-108 ( a ) ( 1  ) Every collection service shall have, for each location at which it conducts business a locatio n manager who ha s submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-123 sta tes a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor . WAKEFIELD & ASSOCIATES is  in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

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 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: CO

Complaint narrative:
Not a valid collection - balance paid to  ORIGINAL CREDITOR.      At the time of the payment to the ORIGINAL CREDITOR the account with receivable management was CLOSED. They had nothing to do with the payment I made directly to the ORIGINAL CREDITOR  XXXX . Now they have opened a false account on my credit report stating I paid this debt in full. I paid this debt to the ORIGINAL CREDITOR   XXXX  , not receivable management.

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 2017-05-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a credit card with   XXXX   XXXX   XXXX  , I was overcharging and I feel I was discriminated by them and I ask them and several occasions to lower the interest rate and they refuse and I ask them to close it because I will never able to catch up.consequently they accept to close the card and I will continue to make payment. Before the payment due date They still calling me and harass me on numerous occasion. I made my payment and   XXXX   XXXX   XXXX   reports to the credit bureau that I was late 90 days which is incorrect and I have document to prove that because I paid them through my bank account. because of that I was denied a job by a company. I would like for you to step in and discuss the finding with them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
The dates are from  XXXX    XXXX   to current. There are thousands dollars involved here and even more thousands of hours involved. The people involved as the paper handlers, i.e.,   XXXX   XXXX   XXXX   etc., has changed  four ti mes. It all started with  XXXX , then switched to   XXXX   XXXX   XXXX  , then to  XXXX , then to and currently with  Shellpoint Mortgage Services.  I have had to go through  three mediations, two  of which failed, and have made hundreds of copies of documents and filled even more forms, over and over again. Shellpoint is trying to hold me responsible for thousands and thousands of dollars in charges and fees from these pas t seven y ears of trying to deal with this mess. If this had been handled properly and in a timely manner, none of these charges would exist and I would not be typing this complaint right now.    XXXX   XXXX   XXXX   XXXX   XXXX    is involved somehow and no  one  person owns my loan, it is owned by a computer system. I have spent countless hours on the phone, writing letters, typing emails and I have also gotten Senator   XXXX   XXXX   XXXX   office of   XXXX   Nevada involved.  XXXX , my contact there, suggested I contact your agency. So, here I am, contacting your agency. There is no way I could possibly send you the documents regarding this " modification '' as there are hundreds and hundreds of them and I would not even know where to begin or what to send you first. I will need assistance fro m one  of your representatives in this matter. I will need someone from your office to tell me what you want first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I made an appointment with a local branch of the Bank of America in  XXXX , NC in reference to a refinance home mortgage ( 15 years fix rate  ) . During the interview process, I presented all of the required documents along with authorization of  credit score check. Once initial application was completed and reviewed by the loan officer  NMLS ID :  XXXX  she advised that everything looks great and I should n't have any problem at underwriting etc for official approval of the loan. She requested my credit card information for an appraisal that she wanted to order right away and credit run fee total of {$540.00}. I asked her twice can you please make sure everything is correct and the estimated value she defined is realistic. She further assured me that her estimates are the worst case scenario and even if something changes we should be alright. About a month into the process an appraisal was completed and a report was generated which came close to a realistic value that was also available on  XXXX  and other websites. All of a sudden my application disappeared from the BoA website, and I made contact with loan  officer  but was unable to get a hold of her. About 5 days later she sends me an email stating that she not sure what had happened to my application and she will advise once she finds out what happened. Next day she sends me an email saying your brother does n't have enough established credit so that is way your application is denied . ( FYI,  my brother paid {$8000.00} in student loans in  XXXX  and a car loan of {$12000.00 } )  I asked her to please explain to me why all of a sudden she realized that my brother does n't have enough credit because she had all of the information during the initial application process. She ran the credit and carefully looked through and said you guys have excellent credit. She asked for more time and advised she is working very hard to get my loan approved. Few days later I received a letter from BoA stating apprised value came low and that is why the loan was denied.     I do n't understand why the l oan officer and BoA responses are so different from each other. I believed loan officer de cision to over estimate my home and had me pay for the appraisal shows lack of knowledge and bad business practice. I lost {$540.00} and still do n't know for sure what took place and why I have been denied.

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 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Several months back I signed up for Transunion 's credit monitoring subscription on their phone app for {$1.00} to work on improving my  XXXX  score. The following month I noticed the charges of {$19.00} in my bank statement. Unfortunately, being  XXXX   XXXX , I put off calling Transunion to cancel the subscription due to   XXXX   XXXX  . Then when I checked my bank statement for the month of  XXXX  I noticed that Transunion began charging me {$24.00} without informing me. I also noticed that not only did the  XXXX  charge of {$24.00} post to my account on  XXXX , but  XXXX  more charges of {$24.00} being processed on  XXXX . I immediately called Transunion to cancel the subscription and demand a refund. They informed me that my subscription would end  XXXX  and that only  XXXX  of the charges would be refunded within  24 h ours. This Transunion employee attempted to keep my patronage by offering reduced subscription fees as well as a month free. I respectfully declined.  48  hours later and no refund posted, I called Transunion back to find out why I have n't received my money back. The Transunion employee thanked me for informing them of the accounting glitch and that a refund would take up to 30 days. I then came across the article regarding the CFPB 's investigation of the  XXXX  credit bureaus and their predatory practices and fraudulent charges. I would also like to point out that at no point did Transunion offer me my free annual credit report. I Then decided to call the CFPB to submit a complaint. After a brief automated answering system, I was immediately put through to a woman named  XXXX  who directed me to this website as well as the process. And here we are ...

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 2017-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for XXXX XXXX XXXX license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. XXXX XXXX XXXX does not have a VALID license in the state of TENNESSEE. Their license expired in XXXX XXXX, 2016. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 )  Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. XXXX XXXX XXXX is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

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 2017-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: NV

Complaint narrative:
Some years ago, I had my purse stolen. I reported it to the police department when I resided  in Florida  but  whomever  the person was still open things in my name and I did n't find out until later. At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
After the flood  of   XXXX   2016 i n  Louisiana, W  ells Fargo  is refusing to release insurance money after completing 50 % inspection with a 65 % completion rating. They will only release funds to m y contractor who is responsible for labor only. I have submitted paid invoices showing credit card payment in the borrow 's name for cabinets and flooring. Still the mortgage company refuses to pay and says will only   release the funds after a 100 % inspection to borrow for the remaining amount that is over the general contractors estimate. This policy is not documented or explained but enforced internally in the mortgage company. This is a bad policy that harms the borrower who is with good faith upfront and transparent and  has complied with all request from the mortgage company. The mortgage company employee 's have three times submitted requests for funds to be released and somewhere in the management chain the request is d enied and borrower is not allowed to speak with the people that are making the decisions. Again this unwritten policy is harmful causing the borrow financial hardship.  I have paid out of pocket. 1 ) for flooring {$3700.00} 2 ) for cabinets {$14000.00}. I should have to wait months for 100 % completion to be made whole for the expenses that are paid out of pocket.

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 2017-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Since  XXXX     2012 Navient ha s been telling me that I can only forebare and default loans and that they do not offere income based repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX  fraud called me at  XXXX  on  XXXX   XXXX ,    2017  to ask if I authorized a {$69.00} charge from  XXXX   XXXX . I said no and to block the charge. On  XXXX   XXXX  this charge was resubmitted and went through. I called the number shown for  XXXX  and it was their flight line with no option to ask about the change. After multiple calls over several hours to find  XXXX  accounting, they could not find any charge. I initiated a dispute with  XXXX  and they said they found it was a legitimate charge but could not tell me what it was for or provide any support for their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United PanAm Financial Corp.
State: MO

Complaint narrative:
A couple of months ago, I started receiving calls from a woman named    XXXX   at   XXXX   XXXX   XXXX   XXXX   XXXX   regarding an auto loan debt from 2012. She told me that  she would come after me for a garnishment and was in general rude. Then o n  XX/XX/XXXX ,  I received a call from her regarding my question of payment arrangements. She told me " she said she would get me garnished '' and that I should " file bankruptcy and quit whining ''. I hung up with her and called back to speak with someone else. I was able to speak with an attorney who told me that she did n't really say that.   Every interaction with this woman has been intimidating and threatening. I explained I had n't heard anything about this debt in years, since I moved to my apartment  3 year s ago. She said she knows, but they sent me some notification about a judgeme nt 4 years ago. I explained I do n't have this paperwork, never received it. I was accused of just avoiding paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I feel that Bank of America committed an act of retaliation in the most obscene and disgusting way possible. On   XX/XX/XXXX ,  I placed a claim of fraud agains t one o f their customers in which I sent a transfer to. By mid   XX/XX/XXXX , th ey were stating that they stopped trying to get the money back. Honestly, I feel like they never tried, so I was out of my money of {$1400.00}. I tried to escalate this to the CEO of the company and apparently this was a huge no-no in their little world. Let me add, that not once have I overdrafted my account. So, here is the deal, today,   XX/XX/XXXX  2017,  m y deposit of almost {$900.00} hit my account for the week. Fortunately, I got gas at the beginning of the day and a few sodas, but by mid-day, on a Friday mind you, they instantly decided to shut down the account. No telephone calls, no emails, no letters in writing, nothing formal and I am left in the dark without a clear idea of what happened. I, then, called the customer service unit and got transferred. When I asked for a clear reason why my account was closed, there was no clear reason of why it happened. I was left completely in the dark. I got served with " Bank of America has the right to close your account at anytime ''. Well, that is nice, but why must the representatives of the bank be so smug and arrogant about it. This is hardly professional. It is almost like I worked for a week and Bank of America took it upon themselves to say " Well, we got this scammed out of {$1400.00}, what is anothe r $  XXXX +?  '' " He can handle it and we do not care if his refrigerator is empty, we do not care if his car payment is coming up due, we do not care if his day to day expenses need to be covered. We just care about  XXXX  this guy over because {$1400.00} was not enough. '' This is deplorable, unethical, and yes, I understand, perfect legal, but how am I to live over the next several days? All my money is wrapped up with the bank and they state how they will let me take my money from branch office. Yeah, they are giving me permission to come to the bank in  1 to 3  business days to get my own money. Guess what, Bank of America, THAT IS MY MONEY AND YOU ARE COMMITTING ACTS OF FRAUD AND MONEY LAUNDERING. You are holding my money, loaning on it, gaining a nominal interest rate on it, and doing of ton of interesting things that only banks like you know to do with it and what do I have? Nothing, nada, zilch, and a complete and utter upheaval of life. You have no class and that is unacceptable. Just because it was legal to close my account, you could have given me a date of when the account closure was going to happen to insure that I stopped checks, ACHs, and other items from being withdrawn from the account.

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