vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Dear sir. 
In XX/XX/2018, I made transfer to my son in US through XXXX XXXX in XXXX XXXX. Until this moment the money not arrive to my son. I keep calling my bank and no answer. Please help me. Amount ( XXXX SAR ). Bank swift code ( XXXX XXXX, reference from my bank ( XXXX ), SWIFT no. from my bank (  XXXX ). please please please help me. my bank is not cooperating. my son need the money for school. I keep calling them but no use. I made a complain in XXXX XX/XX/2018 and they gave me a complaint # ( XXXX ). but no use. no body call or tell me what happen to my money I sent to my son. 

My son information is : Beneficiary Nick Name : XXXX XXXX XXXX XXXX XXXX Beneficiary Swift : XXXX Beneficiary Bank Name : WELLS FARGO BANK NA Beneficiary Branch Name : XXXX XXXX Beneficiary Branch Address : ( FOREIGN EXCHANGE SETTLEMENTS ) Beneficiary Branch Country : United States of America Beneficiary Account : XXXX Beneficiary Currency : US Dollar Beneficiary Name : XXXX XXXX XXXX XXXX XXXX Beneficiary Creation Date : XX/XX/2018 Beneficiary Type : International Beneficiary Phone Number : XXXX Beneficiary Status : Active Beneficiary relationship : Relatives / Friends Beneficiary Description : My Son Beneficiary Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX zip XXXX NE my information name : XXXX XXXX XXXX XXXX contact : XXXX e-mail 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 2018-11-19 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: NY

Complaint narrative:
Equifax has not updated accounts and are incorrectly reporting closed accounts as open, and are incorrectly reporting revolving balances that were paid down. As a result, my credit utilization being reported way higher than in actuality and my credit score is being drastically affected as a result of this misreporting and failure to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
checked my credit report about 6 months ago and saw that a payday loan of {$1400.00} from SpeedyCash which I never applied for. Disputed the loan several times with them via phone calls to which has not been successful. I also disputed this loan with XXXX but haven't seen any replies back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
They called my parents house number on a Sunday on XX/XX/18. I don't even live at this house anymore. Their phone number wasnt even listed on my XXXX XXXX account ( which is where this account originated from ). They called this house about once a day. They call from different numbers. They have more than 20 phone numbers under their company name and they dont even call my cell phone anymore which is the proper number that they should be calling. They called me 3 times on my cell number and that was it. The other times, they try to call my parents house number that I dont even live in anymore. They even have my proper house address that they've sent mail to before. I do not want them to send mail or contact this XXXX number ever again. I even just made a payment with them last week too online. Their website even says " dont feel like talking to us? Settle your debt by paying online ''. Okay, so I did that and I'm still getting phone calls only 3 days after I just paid them some money and they called a WRONG NUMBER on a SUNDAY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I have tried to contact XXXX XXXX numerous amount of times to request documentation pertaining to the debts that are being reported on my credit reports. There at 2 collection accounts reporting the substantial amount ( s ) of {$1300.00} and {$1200.00}. As a consumer, it is my right to request thorough information affiliated with this debt. This has been going on for the past 6 months and I have yet to receive a debt verification letter via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a Care Credit account through this bank. I changed {$7700.00} total in XX/XX/XXXX and XX/XX/XXXX of this year at 18 months no interest. 
I set up automatic payments from my bank account for timely payments. However, I did a balance transfer in XX/XX/XXXX with XXXX, at that time the balance owed was {$4900.00}. This company did not transfer the funds until another payment was due which was 6-8 weeks later. 
They took {$350.00} from my bank account and finally transferred the {$4900.00} which left a credit of {$350.00}. 
To date I have NOT received my refund. They've been telling me the check was mailed on XX/XX/XXXX. 
Not received, then they've told me that a stop payment was made on that check and another issued on XX/XX/XXXX. - not received. I have pleaded with this people to send my {$350.00} by overnight express and I'll pay the charge, they won't do that either. It's been nearly two months now on XX/XX/XXXX. 
They intentionally held back sending the funds balance transfer until another payment was due and at that point I thought they transfer amount would have/should have been less the {$350.00} but I was wrong. 
Please HELP me get my money owed to me from this " bank '' asap! 
I'm at my wits end. 
Thanking you in advance 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 2018-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I lost the credit card for XXXX. as soon as I noticed that my card was missing I called the creditor : XXXX. I live now in Tennessee for 2 years. my card was used in Tennessee and was used in Florida. I reported this to the creditor and they just told me I was responsible for this. I kept calling them and they did not want to help me. All these charges were fraud. I could not lie or try to hurt my credit this way. I am really upset about this matter. I am a hard worker I don't intend to commit fraud or lie to anyone. Please help me. I can not pay for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XX/XX/2018 - Reached out to Wells Fargo regarding a HARP refinance and talked into the Loan Modification process since the HARP refinance had ended already. 

XX/XX/2018 - Approved and No Payment due this month per XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 - Payment 's made on time and in the amount of {$550.00} XX/XX/2018 - Filled out papers again per XXXX XXXX for Loan Modification XX/XX/2018 - Approved and No Payment due this month per XXXX XXXX. 

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 - Payments made on time and in the amount of {$800.00}. 

XX/XX/2018 - Filled out papers again per XXXX XXXX for Loan Modification XX/XX/2018 - Approved and No Payment due this month per XXXX XXXX. 


Each time I asked about the No Payment due for the month, it was explained to me by Mr. XXXX that this was worked into the Loan modification process and is designed to help the consumer. 

What was not explained was that this would be reported as 90-day late payments to our credit. 

I had most if not all payments Auto-Drafted and I never once received notice about us being behind in payments.

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 2018-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
On XX/XX/2018 Fayservicing served me a summons and I had 30 days to respond. I took off work and went to the court house to respond to the summons only to find out there was not record of me being summons. I received an email to come to court regarding my property I took another day off work and went to court only to find out I was not on the docket to come to court. I spoke to my account Representative XXXX XXXX mid XX/XX/2018 he asked me what did I want to do with the property I told him I wanted to do a modification he told me I didn't qualify for a modification I need to sale the property because I had equity and Fayservicing would not work with me. I told him I tried to sale the property and didn't get a buy so I was going to rent it out. I told him I have a potential renter that will move in XX/XX/2018 and I would apply try again to apply for a modification. My rented moved in and I submitted the modification application and a copy of the lease. I received a letter requesting more information and was told I have until XX/XX/2018 to submit the additional information. I find out on XX/XX/2018 Fayservicing is harassing my tenants going to the house asking them who really owns the house and they have a letter for me from the mortgage company. Fayservicing knows exactly where I live and could have sent or brought that letter directly to my house. Im really starting to feel harassed and frighten. What else will they do besides harass me and my tenants. I was told by a consumer counsel they are predatory lenders. Can you please help. The additional person is my tenant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I went on to XXXX to see what a loan would cost me. They have a personalized payment calculator. At the time they were offering 0 % for 72 months. I entered in the calculator for a {$500.00} down payment. The calculator stated the car loan would be only XXXX a month for a XXXX XXXX When I went to dealership they stated cant offer that payment. I would have to do an additional XXXX down to get that payment amount. 

They offered me 0 % for about XXXX a month. I told them I would put a XXXX down but their final offer was a payment of XXXX with a 5 % interest for 72 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted an email request to be considered for the Temporary Extended Public Service Loan Forgiveness Program, because I qualified. I have made 120 payments on my student loans ( some on the wrong re-payment plan ), have 10 years ( XX/XX/XXXX-XX/XX/XXXX ) of work experience with the government, and have been denied PSLF. I was informed via email that if any additional information was needed that I would be contacted. I was never contacted. 

On XX/XX/XXXX, I received notification that I did not qualify for TEPSLF because I only had 118 out of 120 payments. I immediately called XXXX XXXX  and spoke with representatives and supervisors. I was informed that for two payments in XX/XX/XXXX had not been received because my account was placed on and administrative forbearance, which I never requested, but happened when my loans were being transferred from XXXX. I provided a bank statement which showed one of the two payments had been made because it was automatically deducted from my account. I also provided an updated employment verification, which provided an additional seven months of qualifying payments. 

I have been informed by XXXX XXXX to reapply for PSLF which I did and was denied. I reapplied for TEPSLF, which I was instructed to, and have received no response. I continue to make payments to XXXX XXXX, even though a supervisor informed me that " the database '' states I have 128 payments in the system. 

I am getting nowhere and am very frustrated. XXXX XXXX is in essence taking my money each month for a loan that should have already been forgiven. I have reached out to the Ombudsmen 's office and they took my 1st complaint and then closed the case even though I asked them not to. They took my 2nd complaint and I have heard nothing. 

My concern since I received the rejection from TEPSLF in XX/XX/XXXX was that I knew the TEPSLF is a time limited, fund limited program. Even though I applied back in XX/XX/XXXX, I am sure my application is at the bottom of the pile now and it is quite possible the funds will be gone by the time XXXX XXXX does what needs to be done. In addition, I am due a few thousand dollars in over-payments, because my account continues to be deducted. 

This is my last step before filing a law suit. I am hopeful that this situation can be remedied but realistically I have no evidence to sustain that hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I closed on my home XX/XX/XXXX. I have never missed or been late on a payment. My property tax and insurance was not calculated properly resulting in a shortage in escrow. My payments increased which I can not afford at the moment. I have been trying to get caught up on expenses since the purchase. I am making progress however I need more time. I was making payments to XXXX since XX/XX/XXXX. When they notified me of the increase, they have me the option of spreading the escrow over 24 months ( see attached ). I have been doing that since to get caught up. They sold their accounts to another company, XXXX XXXX XXXX. I started making payments to XXXX XXXX XXXX   XX/XX/XXXX. I informed them immediately that I was paying escrow spread out by 24 months and that it needed to remain that way as I had it set up with XXXX. They told me it would not be a problem and that I would see it on my next statement. I never received a response and when I called them 3 days ago to follow up, they told me I was denied it to be spread out over 24 months because it fell within a certain % threshold. I have never heard of anything like that. XXXX always asked me how much I could spread it. XXXX even offered to spread it out further than 24 months if I needed it. Please help as I can not afford this increase in payments. I take protecting my credit seriously as I do not want to fall behind in payments. This can not be fair and I should not be forced to stay with this company under their new rules if they are not making the same accommodations as XXXX. I did not make a decision to do business with them, my account was transferred and should have remained with the current escrow spread-out setup. I was paying {$1300.00} with XXXX. With XXXX XXXX, I am paying {$1400.00} because they will not allow it to be spread out more than 12 months which I believe violates my consumer rights. Lastly, they are saying I owe a late fee on my account, however I do not owe them any late fees. Even though they said not to worry about it, it still appears on my statement every month. The payment system does not say I have a late fee when making the payment, however online, it does. This needs to be removed because when I print my statements for personal needs, it will show I have a late fee. Overall, this company is very unorganized and does not resolve customer issues the way they should. The process for this transfer was not seamless and has caused many problems at the cost of the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
In XX/XX/2018 while attempting to pay for my plane tickets at XXXX, I was presented with a pop-up to apply for the XXXX XXXX. The offer at that time is the same offer as of XX/XX/2018, if approved I would receive XXXX miles, after XXXX in spend within the first 90 days. The rules stated that miles may take up to 8 weeks to post to your XXXX XXXX account. I've been checking my XXXX app and the miles never appeared, so I decided to call Chase Bank on XX/XX/2018, to see when they'd post? XXXX from the Chase Ohio office gave me her scripted response, that there are many offers out there at the same time, and that I received a different offer of a XXXX statement credit and XXXX K miles. 
I explained that the offer that I was presented with on the screen was the XXXX offer, that is why I applied. I wouldn't have taken a hit on my FICO score for only XXXX of miles! 

My wife, XXXX ' about 1 month later, also applied for the card and was presented with the same offer and the same thing also happened to her. The internet is full of people complaining about the same thing happening to them. 

I work for XXXX XXXX, and if a mistake is made like this it is fixed immediately. This is totally, " Bait & Switch ''!! I opened these credit cards in good faith, based on the offer that was presented to me while trying to pay for my airline tickets. 

I know for a fact that Chase can go back into the system and see which booking path was presented to me via XXXX software or something similar. 

XXXX & XXXX both from the Ohio office told me, that had I called back right away someone could've switched my marketing offer. I explained to both of them, why would I think to call back and try to change my offer, when I assumed that I was getting the offer that I was presented with? 

I didn't started wondering where my miles were at, until after the 90 days, plus 8 weeks had come & gone. 

This is very disheartening that XXXX XXXX & Chase Bank would cause detriment to their mutual customers in this way ; they deceived both me and my wife! 

I want Chase Bank to make it right and deposit the XXXX miles into both my account and my wife 's account. 

Sincerely, XXXX XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX XXXX, Maine XXXX XXXX XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: DE

Complaint narrative:
PNC Bank. allowed me to open a NEW VISA credit card on XX/XX/18. per the terms I agreed to online during the application process it stated that I would receive balance transfers at ZERO percent rate for 18 months. PNC terms show that the transfer could take up to 10 business days to be completed. Account was opened and the balance that was transferred ( from XXXX XXXX ) showed as debt on my PNC account ( as expected ) as of XX/XX/18. However after a little over a week my XXXX XXXX card ( that the transfer was to be paying off ) had still not received payment. So I called PNC on XX/XX/18 for a status update. They advised me that due to it being a new account that the balance transfer would be held for 15 calendar days, and then sent out. once it was sent out, it could an additional 10 business days. this 15 day HOLD was never disclosed at anytime to me. Also the main issues, that I find downright criminal, is that PNC is able to show my balance transfer as being an owed debt on their account when they acknowledge that it could still be on my other non PNC account ( XXXX XXXX ) for at LEAST 2 weeks, and possibly an entire MONTH. This already has affected my credit score, as my credit usage percentage, as well as my debt to income ratio has been inaccurately reported due to PNC claiming a debt for the balance transfer on their account that they have told me is not paid on my XXXX account. as of Monday XX/XX/18. I have XXXX balance on my XXXX, and the EXACT SAME XXXX on my PNC account ( that was to be transferred ). PNC has told me that they have not, and will not send out payment for 15 calendar days. So I feel they should not be able to claim my debt as theirs through balance transfer until the send out payment. Also I would like them investigated for another issue with the same card, in regards to billing statements. My card was opened on XX/XX/18. My first billing statement closed on XX/XX/18. this hardly seems legal, a 16 day billing statement? that's unheard of.

Company response to consumer: Closed with explanation