vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
On XX/XX/2019 Ally Bank closed my online savings account and without my authorization withdrew {$39000.00} from my account. I was notified that my account was closed when I tried to transfer funds into another Bank Account and that Bank advised me that my Ally Bank Account was closed. I went online and viewed my account and discovered that there was a withdrawal of {$29000.00} posted on XX/XX/2019. I called Ally Bank and was told that the account was closed and they would mail a check to me for {$29000.00}. I advised Ally Bank that I did not want a check with that large of an amount mailed to me and that I would want that either the account be reopened and the money deposited back into the account or for the money to be transferred to my other bank. I was advised that the representative would " send a message to do that for me. '' I did not hear anything and called back and spoke to a Supervisor, who would only identify himself as XXXX. He advised me that since I did not authorize the withdrawal he would send a message to the " Executive Resolution Office '' and they would possibly reopen the account and stop the check from being mailed. XXXX advised that I would hear from the " Executive Resolution Office '' Not hearing from the " Executive Resolution Office '' I called back on XX/XX/2019 and spoke to a Supervisor who would only identify himself as XXXX. I advised XXXX that I wanted to speak directly to someone in the " Executive Resolution Office '' XXXX advised that he tried to contact them to ask if they would speak to me, but he could not get anyone to answer his call. XXXX advised me that the check was already mailed. 

It should be noted that on XX/XX/2019 I called Ally Bank and spoke to a representative and advised him that I was going to transfer the funds in my account to another bank. I advised him that when I transferred all the funds out of the account I would then close the account. I advised him that the reason I was calling was to find out what would happen to any interest that would be due me on the account once I closed it. He advised that they could mail it to me. I stated that " they could mail the interest to me because it would be a small amount. '' I never authorized the withdrawal of the {$29000.00} and for that amount to me sent to me by mail. 

These funds were to be a gift to my daughter for a home closing and that is why they were being transferred to another account. By mailing the check this has delayed my ability to give my daughter the funds in time for her closing which has caused a major problem.

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 2019-03-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not have a specific date of the call. The customer rep was not able to update address over the phone. They told me to update the address with financial institutions and wait. At this point, XXXX and XXXX reports are both updated with the new address. Only Equifax still has failed to update my address after two and a half months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Today XX/XX/XXXX I called regarding a decrease in a disbursement that was made back in XX/XX/XXXX. I was told that I wont see the credit or any deductions on my account because its a small amount of {$180.00}. They scam me out of my {$180.00} and I feel helpless. I dont know what to do. They were really rude on the phone and even hanged up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sunset Solutions Group, LLC
State: IA

Complaint narrative:
All XX/XX/2018 and XX/XX/2018 got phone calls regarding this debt and my refusal to pay would end up with me being in jail and sued via the company representing as the debt collector.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I paid off my XXXX 's credit on time. One month later i received a bill with finance charge and late fee. I contacted the comenity bank and told then my account is paid off, they told me apparently i was 5 minutes late in payment and XXXX 's who filed for bankruptcy refused to reverse or remove any late fee. XXXX 's was collecting money on late fees even when the account was paid off. Its been 1.5 years, they have been slamming me with late fees and finance charges. I contacted all the credit bureaus, they did absolutely nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have requested my annual free credit report from Equifax once a year for the past 6 years. I have never received one. I have contacted Equifax via phone and email many times. I have still not received my free report. 

I have used the on-line service to get my report several times. After each time I have had to pay for the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
With all do respect and to whom it may concern. From XX/XX/XXXX until XX/XX/XXXX. Our mortagage carrier was Wells Fargo Home Mortgage. In XXXX of XXXX we were giving an opportunity for a loan modification. We submitted a initial payment of {$910.00} via United States Postal Service XXXX for the loan modification. Wells Fargo Home Mortgage informed us that they never received the {$910.00} payment. We returned to the post office and had a search done. We found out that the {$910.00} payment had been received by a Wells Fargo Mortgage representative on time. We received a letter from Wells Fargo Mortgage stating the agreement was denied because we didn't make the payment on time. The denial resulted in foreclosure proceedings. Which caused XXXX, XXXX and XXXX XXXX. Enclosed are several documents supporting our claims. Many of the documents we received from Wells Fargo Mortgage Department had conflicting due dates. We are submitting our information for review and cash settlement. We want compensation for mental stress and suffering caused by Wells Fargo Home Mortgage. We have recently communicated to Wells Fargo Mortgage through a series of letters and emails we have submitted to The Attorney General 's Office beginning in XX/XX/XXXX. The Attorney General 's Office relayed information to and from Wells Fargo Home Mortgage. Wells Fargo Home Mortgage only then finally admitted to depositing our payment of {$910.00} and did not give our account the credit. For compensation for mishandling our {$910.00} payment in XXXX Wells Fargo Home Mortgage tried to issue us a check for {$910.00} in XXXX. We did not agree to this amount but Wells Fargo Home Mortgage tried to issue us the check and close the case. My family and I have suffered a tremendous hardship and mental stress from being homeless. I lost my job and my vehicle and we are still suffering today. Because of the foreclosure our credit score was and is still effected. We our desperately struggling to get our credit and life back on track. 
We thank you for your time. 

Respectfully

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 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I do not have a contract with this company and this debt isnt mine.

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 2019-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Prior to 2014 I satisfied my debt with Citibank Dividend Platinum MasterCard. I was contacted by a company that refused to provide their name and information. They claimed to be the " Claims Dept '' with number XXXX. I was threatened with a lawsuit of over {$4000.00} if I did not pay. They also made claims that a certified letter was sent and signed for by my family.

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 2019-03-14 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: Riverwalk Financial Corporation
State: MD

Complaint narrative:
I have paid this off over a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: OR

Complaint narrative:
I submitted a complaint in XX/XX/2019 XXXX and LendingClub did the same thing! 

Letter to LendingClub, uploaded same issue as before tried to pull from an account that I have ask them to never use/remove! To be safe I changed and you can see the screen shot is XXXX only!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/19, I went into a Bank of America branch to make a {$300.00} cash payment on my credit card at the teller window. I was intercepted by a banker who made me do the transaction at an ATM, even though I was not comfortable depositing cash there. With the banker as a witness to the entire transaction, the ATM ate my money and spit out a receipt that said the request couldn't be processed and my items could not be returned to me. The banker escorted me to a phone, where she placed a call to the claims department and filed a claim on my behalf. At that time, I was told the bank had up to 10 days to resolve the claim. The bank then kept extending their deadline for resolution. It appears that any time someone checked the status of the claim, they closed the claim and restarted the clock on it as a new claim. After multiple visits to the branch, there was no resolution, so I tweeted at the bank on XX/XX/19. One of the bank 's social media reps called me to follow up, and I shared the entire story with her. She said she'd look into and get back to me. When she called me on XX/XX/19, she reported that the bank had investigated and my claim was being denied. She said the investigation found no overage of cash in the ATM that day, and then she claimed that the bank had security footage of me getting the money back and that the bank employee who'd helped me file the claim said I'd received the money. It is impossible for this security footage to exist, because I NEVER got the money back. I asked to see the security footage, and the woman told me that she could not provide 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 monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I went to a restaurant XXXX, they charged my debit card twice once for XXXX and again right after for XXXX. That XXXX over drew my account and the bank charged me almost XXXX dollars worth of fees. They told me to wait til the charge drops off cause it was pending and they would get those fees taken off. They aRe now saying they can only do half of those charges back to me. This is ridiculous my account wouldn't be over drawn if it wasnt for a charge I didnt do and their fees. I should get all of those fees back and a chance to bring the balance positive before I'm charged.

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 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
On XX/XX/XXXX I applied for a Refinance/Cash-Out Mortgage Loan with Freedom Mortgage Corporation, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, NJ ( XXXX ID : XXXX ) XXXX-XXXX in the amount of {$75000.00}. I was approved and Closed on XX/XX/XXXX. My payments were to start XX/XX/XXXX! 
In the meantime, I paid Freedom Mortgage on XX/XX/XXXX an ACH Withdrawal in the amount of {$860.00} for my XX/XX/XXXX Mortgage Payment. {$90.00} was the Applied Principal Payment in that amount! On XX/XX/XXXX I also paid by check {$2100.00} Additional Applied Principal Payment Only on my loan. A total of {$2200.00} was given Freedom Mortgage for Principal Payments! My New Principal Balance was brought down to {$72000.00}. However, no sooner could the ink dry and not being properly informed that my loan had been transferred on XX/XX/XXXX to XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, OH XXXX and my 1st Mortgage payment was Due On XX/XX/XXXX! I was livid however, I then paid XXXX on XX/XX/XXXX a check in the amount {$860.00} for the XX/XX/XXXX New Mortgage Payment which caused a " DOUBLE '' XX/XX/XXXX payment! In the meantime, Freedom Mortgage transferred the Wrong Money Amount of {$75000.00} to XXXX XXXX XXXX XXXX as the New Loan Setup Amount instead of {$72000.00}. The Applied Principal Payment Amounts were not applied to my New XXXX Account! There are recorded phone calls to Freedom Mortgage Corporation and XXXX XXXX XXXX, XXXX. ( XX/XX/XXXX thru XX/XX/XXXX ). I have been having difficulty communicating with LOAN SERVICERS from Freedom Mortgage and XXXX XXXX XXXX to this date! When able to speak with these Servicers, the information I received was often confusing and did not provide the clarifications I was hoping for. It has now been ( 3 ) months and these customer service issues has led to delays in obtaining needed resolutions for my mortgage loan. I filed a complaint with the XXXX on XX/XX/XXXX ID # XXXX. Please help me bring this matter to closure expeditiously! 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 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I opened XXXX XXXX  and Equifax this A.M. to check my current scores to find that my Equifax score had dropped because of a Hard Inquiry made by XXXX. I have never applied for any form of loan from this company and never gave this company authorization to check my credit. It really disturbs me that they can arbitrarily do these things without consent from the party being researched. I would never consider this company now and I certainly would not recommend them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MA

Complaint narrative:
Company charged two undisclosed fees that amount to an early repayment penalty. 
One was charging to fax a payoff quote. This is a normal part of servicing a loan. Providing a pay off amount. It was not disclosed or approved by the borrower ( me ). Second they charged to record a loan release. Similarly It was not disclosed or approved. 
Looking at if a different way, if this was not paid, were they not going to remove a lien that had been paid off? The bank here is attempting to make the borrowers bear there costs of early repayment. Neither of these would have been charged if the loan was paid off over it's 30 year amortization and amount to an early repayment penalty. Early repayment penalties are not allowed on consumer loans. It's not a lot of money, so most people would not argue with them over it, but it's not allowed and happening to all their customers. They should refund the {$80.00} to all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My XXXX XXXX card was paid in full in XX/XX/2018. I personally bank with XXXX. XXXX notified all THREE BUREAUS that the ACCOUNT WAS PAID IN FULL AND CLOSED AT THE CUSTOMERS REQUEST. Transunion, not only has NOT updated the information despite being contacted no less than 5 times, but even TODAY they still have it that I have an outstanding balance of {$6500.00}. This is VERY DAMAGING TO MY CREDIT SCORE. Attached, is a copy of the Statement, as well as a copy showing that the account is closed and PAID IN FULL.

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 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Hello, I recently opened an Amex Blue Preferred cash back card, which offers cash back on a percentage of cash purchases. I have, however, received at least three different explanations regarding when I will be able to see whether certain purchases are eligible for cash back rewards. As is typical with cash-back cards, credit card companies will offer cash back only when merchants code the purchases in a particular way. Some merchants are affiliates, vendors, or licensees who do not code purchases as consumers might expect, the result being that no points/cash is awarded the buyer. Because of the ambiguity, I have diligently monitored my Amex account to see whether my purchases will earn the proper rewards. I can not, however, see whether the cash back will be earned as I expect. I have spoken to several Amex phone agents and received different explanations as to how/when I will earn my rewards and when I might see them. I spent an hour on the phone speaking with Amex agents/management, explaining my concerns and expressing my disbelief that under the circumstances they are nonetheless demanding I pay a {$95.00} annual fee. While I am ordinarily not averse to paying such a fee, I am averse to paying a fee for a card I may not want to keep. The only way I will keep the card is if it is worth it to me, in terms of cash back earned. Because I can not know the amount of cash back earned until I actually PAY my first statement, I may be stuck paying an annual fee for a card that is of no real use to me personally. Today, I spoke with an agent ( XXXX ), a supervisor ( XXXX ), and a manager ( XXXX # XXXX ). None of them seemed to adequately consider my position ; that is, that I dont want to pay an annual fee for a credit card that does not benefit me. Yet, they all told me that the annual fee can not be waived. XXXX did agree to look into it, but I have little confidence that will happen. In short, it seems Amex expects consumers will pay an annual fee BEFORE they know whether the card benefits them in the way the average consumer might expect -- rewards on purchases. Amexs practice appears like a BAIT AND SWITCH, and I hope you will help me resolve this matter. 
Thank you very much. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I used moneygram.com to send $ but moneygram would not allow pick up for unknown reason. Moneygram cancelled my transaction and still did debt my bank account. Spoke to reps numerous times and was told to wait for the credit to my account on 6 different occasions. Rep said my bank was the problem so I contacted my bank and they did not have any issues and were never sent the refund. Money was debited on XX/XX/19 and I still have not been reimbursed for the failed transaction. Reps continue to tell me money should be returned by a certain day and when its not I call again and they can not tell me where my money is so they again tell me to wait a few more days. Transaction number is XXXX and the number is XXXX. Amount is XXXX. Attached the 2 emails I received from them below.

Company response to consumer: Closed with explanation