vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On  XXXX   XXXX  ,2017 I mad e a mobile dep osit to my Wells Fargo ch ecking account.They did not credit my account for the amount of the deposit, when i called them to inquire they said there was a hold on the deposit, that the bank the check was drawn on claimed a fraud. that i should call the issuer, when i did so i was told there was no caim of fraud by them. The issuer is the state of california controler. when i called wells fargo back they changed their sory and told me the check hasnt been paid for, so i called the california treasurer that informed me the check had been paid and the funds should be available. when i called back to wells fargo they told me the federal reserve was holding the money, when i called the federal reserve they said they dont hold any monies and that i should file a complaint. i feel wells fargo is just holding this check to collect over draft fees. i deposit  XXXX  of these checks from the state of california every month. i have to wait two weeks to recieve this payroll check. which i recieved the  XXXX  of  XXXX  and wells fargo is not going to release the funds until the  XXXX  of  XXXX . everytime i have called wells fargo they have given me a different reason. the check number is  XXXX  the amount is {$910.00}. the issuer of that check is the state of california controller and can be reached at  XXXX   XXXX  the state treasurer can be reached @  XXXX   XXXX . They told me the check was paid  XXXX   XXXX .  Wells Fargo  has refused to contact the state controller or the state treasurer. I would appreciate you looking into this matter. There has been no fraud reported by  XXXX , the state controller or the state treasurer. since it was a mobile deposit i did not keep the check since ive never had this problem before in the past. Please contact me at  XXXX  XXXX  XXXX  or by phone at  XXXX   XXXX . My name is  XXXX   XXXX   XXXX .   Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A.
State: TN

Complaint narrative:
Our home was hit by a tornado on  XXXX   XXXX ,    2017. Our i nsurance company attempted to give us a check, but had to reissue  it because PNC mortgage company never notified them they bought our loan. Once we finally received our check, we had to submit it to PNC mortgage company ( even though we own more than 2/3 of our home, we owe less than a 1/3 on our home ). We have made multiple attempts to reach the Loss Claims Dept. of PNC. I have  been on hold for ov er 4 ho urs and was never able to speak to a representative. I have called the customer service department and they always inform me someone will contact me back within 24 hours. We are trying to make the repairs to our home, but can not reach the bank to have them issue the checks to the contractors. We have multiple contractors and they want each contractor to submit paperwork that is notarized. We have paid a few of the contractors with our own money and want to get reimbursed. My  XXXX   year old  daughter is having to receive counselling after the tornado hit our home ( we were home when it happened ) and because our home still is in such disarray. We just want to have access to OUR own money that the bank is holding. They are making the rebuilding process impossible which is causing us a great amount of stress. To this day, we have not received one penny from the bank because we can never reach a ny one in the Loss Claims De partment. We believe they are holding the money and collecting interest on it.

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 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Credit Protection Association, L.P.
State: IL

Complaint narrative:
They left a voicemail on my business line that said they were trying to collect a debt from me. When I called back to request they send me proof that I owed anything they said " we 're not going to send you anything ''.

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 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Submitted online dispute process withe experian and equifax with supporting documentation ( ID Theft report, police report number ).   XXXX   came back with a response stating they had deleted those items, experian came back as debts verified.

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 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I was told by Quicken Loans that my flood insurance provided by FEMA was mandated by law to be escrowed into my mortgage payment by Federal law. I live in California and I spoke with a loan supervisor who confirmed this info. This is false I information. I had already paid my entire premium and they declined to refund 6 months of payment. I have been unable to secure the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Due to suspicious activity involving my husband 's social security number,  on  X/X/XX  I signed  on to Experian.com to get a free annual credit report. I was presented with a confusing screen asking me for my credit card and informing me that a {$1.00} charge would be on my account. I thought this was strange sin ce one repor t per year should be free, but I entered the information. On  4/14/17 , I noticed a {$21.00} charge from Experian and called to inquire. I was told that I had actually signed up for an Experian account with a {$21.00 } (! ) mo nthly fee. I explained that a mistake had been made, that it was never my intention to sign up for such an account and that the account had never been accessed. They offered to cancel the account but refused to refund the initial charge. In the past, every business I have dealt with has been accommodating and offered a refund when it was clearly not an individual 's intention to sign up for a services offered in a confusing way on a website. They have refused to do so. I have discovered a class action suit,  XXXX   XXXX  v. Experia n Information Solutions , Inc. fil ed in  XXXX  charging a pattern of such misleading websites and deceptive practices. Experian needs to immediately cease and desist such practices which deceive the very people their business was supposedly formed to protect.

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 2017-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Selip & Stylianou, LLP
State: NJ

Complaint narrative:
Two attempts to get debt validation from collection agency, with no response, got a citation to appear in court on  XXXX   XXXX  at  XXXX   XXXX . Get to the court house after waiting over an hour to be informed that the case was adjorned to  X/XX/17    ... no contact from the collection agency letting me know the case was adjorned. How long do i have to lose work over an account i am trying to find out about, and have no knowledge of? Please assist me in getting some answers.

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 2017-04-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
numerous request validation letters to the creditors along with the credit bureaus to vadlaite this debt in fact belong to me! No one had responsed and given me any kind of information that states my signature or that I have a contract with the company. Under FCRA rules I have the right to request that information and after 30 days no response it 's must me deleted. SCA Collections has yet to furnish any proof that this debt is mine! I have also sent request to  XXXX  asking them to removed this from my credit my letter have been sent back to me I 've sent off twice. Within 30 days apart. I was told that I had to file an police report to have this removed off my credit. That does n't fit the rules and guidelines they have told me they verified the account but as of  XXXX   XXXX  I 've yet to see any documents regarding these claimed debts with  SCA collections inc one in the amount of {$180.00} SCA collection for the amount of {$85.00} SCA collections in the amount of  XXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: IL

Complaint narrative:
I am writing with a formal complaint regarding the servicer of my federal student loans, FedLoan Servicing. I have been consistently appalled at the unprofessional and negligent business practices of this company. My main issues can be summarized in  XXXX  points  : 1 )  Processing times for ANY request, including requests that must be made  annually ( re newal of an income-based repayment plan, for example ) routinely ta ke 2-3 m onths, during which time all payments are placed on hold. For borrowers who are working towa rd Public Service Loan Forgiveness ( PSLF ), the se are huge delays in ultimately seeking loan forgiveness. Furthermore, it has been reported that the first batch of borrowers seeking loan forgiveness under the PSLF program have been denied because they have not mad e 10 cons ecutive years of payments. Given annual payment interruptions of  2-3 m onths with FedLoan Servicing, it would be impossible for anyone to qualify for loan forgivenes s. 2 ) a ny issues with the account are not communicated to the borrower. For example, when I submitted a request to renew income-based repayment, my request was denied because my employer verification was not updated, but no one from FedLoan Servicing contacted me with this issue. I assumed the request was taking the standard 2-3 months to process. After calling to follow-up, I was told that my employer verification needed to be updated. On an on ... I literally have to call the company for weekly updates to be sure things are being processed as expected because FedLoan has not once reached out to let me know there is an issue. Frankly, it is criminal that this is the only servicer that can handle PSLF loans. I do n't know who they paid for that privilege, but their customer service is atrocious. If they did not have a monopoly on these loans, borrowers would certainly leave. They should be held accountable by SOMEONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On  XXXX   XXXX ,   XXXX   at   XXXX   XXXX   XXXX   XXXX   I arrived at the Chase Branch located at  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX  NY  XXXX  to Withdraw a  XXXX  dollars from my  XXXX  checking account. I proceeded to make my withdraw at  XXXX , and the ATM registered my withdrawal of a {$100.00} dollars plus {$3.00} charge but it did not dispersed my cash. I then went inside and tried one of the atm and I withdrew the {$100.00} at  XXXX . This time the atm dispersed my cash. However now I am missing {$100.00} dollars from my  XXXX  checking account. My  XXXX  statement shows the withdrawal of {$100.00} twice which is not accurate. Please help me with this issue that is very important to me. I am very disappointed with the service that Chase provides to the public. That 's the reason I am filing this complaint. Thanks very much for your assistance.  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
We purchased our home  XXXX   XXXX   XXXX . HUD assumed my mortgage  XXXX   XXXX   XXXX , and sold my Loan to Ocwen in an Alonge dated  XXXX   XXXX ,  XXXX . I had payed HUD  XXXX  for two years from  XXXX  till sale to Ocwen in  XXXX  which was a slight reduction from  XXXX  due to our  XXXX  losses. Ocwen says I only paid  XXXX . I have original letter head from HUD verifying  XXXX  ... their 's is not on H UD Letter Head ... .I hav e constantly had issues of harassment, they even tried to process a payment of  XXXX  thru my checking years ago, conflicting statements, a forced foreclosure resulting in having to pay  XXXX  to get back in good graces and now my loan is up  XXXX   XXXX  and they are saying I still owe approx  XXXX  have not asked for final payoff yet. There have been multiple other issues such as back posting, unsubstantiated late payment charges, property inspection fees, I asked to pay my own taxes they sent me  XXXX  checks from escrow but say they have no record of  XXXX  of them ... I cashed none of them ... switched me back and forth from Modification without approval and forbearance statements ... .and more. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This complaint is regarding Synchrony bank 's unfair and deceiving information reported to the credit bureaus. I have several accounts with Synchrony bank, however I have had problems with them lately, which resulted on negative impact on my credit. First, m y PayPal account was upgraded to a paypal MasterCard, a nd it did not mention anywhere that this was a separate account, unrelated, and now financed by Synchrony bank. They reported this as new credit, which i never auth orized a credit score to be pulled . I contacted them and was told ut would be removed from my credit report within 30 days. It is still there. I called every month, the same story. Unbeknownst to me, it appears that my automatic payments I had set  up with PayPal did not transfer to this, and Synchrony did not  send me a bill until late  XXXX   XXXX  telling me i was late on my payment. They reported this to all  XXXX  credit bureaus. I contacted them and was told at first that I was late only 1 month, and they do not report until 60 days. So they did not know why. Then superviser stated that I had been late since  XXXX . My account has been under investigation for theft, yet they did not notify me of anything being due until late  XXXX . Also Synchrony manages the Walmart card. I had identity theft, and someone applied for the Walmart card fraudulently. I contacted Synchrony several times, and gave them all police reports, and each time they promised they would remove this hard inquiry from credit reporting agencies. This was in  XXXX   XXXX . The inquiry is still there. Therefore I have now  XXXX  items from Synchrony that have negatively impacted my credit, a late payment due to misleading practices, a fraudulent inquiry not removed due to incompetence and disregard or else, and an added new account for which  my credit score was pulle d without my authorization. In addition, it is worth noting that that they approved me for furniture purchase credit, and I only used half of it. When however I went to use another {$500.00} they said they would need to get a credit report first even though i had over {$6000.00} available credit.

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 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Dear  SIRS I have OCWEN LOAN SERVICING on my mortgage Last year when I finished Bankruptcy I contract CFPB as OCWEN charge me for an additional three months for back payments they never told me about only after the discharge I filed and the doucments said I was one month behind -- - at the end of 36 month I now was three payments behind- with the new CHARGES with OCWEN is this something you are   looking at -  XXXX   XXXX   XXXX   XXXX  CO  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
BAIT AND SWITCH. Barclays lured military members into signing up for a credit card by waiving the annual fee while on  XXXX   XXXX . Then once established as a customer they imposed an annual fee of {$1000.00}.

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 2017-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
XXXX   XXXX , now Navient, are thieves. They are unprofessional, apathetic, and scheming. I have loans with  XXXX   XXXX  from College. Over the last fifteen years, I have been harassed, insulted and beaten down by them. I had a customer service rep tell me to get another job or rent out a room in my house in order to pay my student loan. I am a  XXXX   XXXX   XXXX  and was told that I no longer qualify for student deferment. My most recent statement, my interest rate went up again. How is that legal. I owe double what I borrowed and my interest is now 10 % on  XXXX  loans, and 7 % on my  XXXX . How will I EVER pay it back? How can they keep raising my interest? How is what I have paid hardly touch any balance? They are not willing to work with me, and are unreasonable. How can a single mother, let a lone person, pay with interest loans like this and no other support. How does IBR not qualify for this. It was student loan. I ca n't get anyone to refinance, even though I would have to refinance interest, it 's ridiculous. All I am asking is for them to be reasonable. I owe almost  XXXX  and borrowed less than half that. How will I ever pay it off. All I am asking is for a fair interest rate.     I am so desperate, I tried filing bankruptcy in order to survive,  XXXX   XXXX  wanted my monthly payment which was more than my rent. Private student loans do n't qualify for IBR or deferment, or refinancing, but do n't count as a private loan to file for bankruptcy because it 's a school loan. I am desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I went to deposit a check for {$200.00} at the ATM at the  US Bank Branch  at  XXXX   XXXX   XXXX   XXXX , MN on my way out to dinner and a  XXXX  game with friends. I inserted my debit card and was prompted to insert the check. When I put the check into the ATM it seemed to malfunction and kept pulling the check in and out. Then it took the check in and kept it. The screen informed me that the machine had malfunctioned and that my deposit was NOT completed and it could not return my check. The ATM then asked me for the deposit amount of the check and printed out a receipt that says deposit attempt also telling me that an error had occurred. I went into the branch and told a teller who then said I would have to wait for banker and that I should take a seat. I told him I was with a group and did not have time as I did not want them to wait for me. I called the  XXXX  number on the so called receipt and I was told that there was nothing they could do and that I would have to wait a few days to see what had happened. I checked my account online and it showed a deposit and a debit both for {$200.00}. The next morning both of those lines were gone with no mention of either on my online account. I called the  XXXX  line again and spoke to  XXXX  who said she would help and took some information. I was not satisfied with that and went back down to the US Bank Branch, paid {$8.00} to park. I then spoke to a  XXXX   XXXX  who claimed to be a manager. When he checked on his computer there was no record of my calls to customer service on my account. He was n't very friendly or helpful but did file a tracking number which is #  XXXX  and told me that they would have someone check the ATM. He mentioned a provisional deposit for the check but I have not seen anything on my account. I thought banks had a fiduciary responsibility for a deposit no matter if it 's a ATM or a teller. They took my money, lost it and do n't seem very interested in resolving the matter.

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 2017-04-18 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My credit card bill is due every month on the  XXXX  day. I pay my bill every month on the due date. According to Chase if I pay my bill on the  XXXX  but it is after  XXXX   Eastern Standard Time i t is considered late and they charge me interest and a late fee. I have to call every month to try to get those charges reversed. I feel I am getting punished for paying my bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
They tell me that I had owed a debt from  XXXX  credit card, and they can not sue for it due to the age of the debt. I tell them that I am on a fixed income and they still offer me a high amount to pay it off. When I asked to stop or cease contact they refuse

Company response to consumer: Closed with non-monetary relief