vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I originally opened the account for a MasterCard with Capital One card after bankruptcy. It was a special offer for people trying to rebuild their credit and required a deposit. I have faithfully paid the card every period, usually early and sometimes carried a balance just to help boost my credit score.      In   XXXX   XXXX    ,  Capital One  charged me an annual fee. They waived the fee every year in the past. I called and asked if the fee could again waive the fee. The representative told me they were not able. I have several other cards now with higher credit limits that do not charge annual fees. I stated if you cant waive the fee, please close the account and refund the fee and the deposit that was used to open the account. I was instructed that I could not close the account with a balance. I would have to pay off the balance, and wait  XXXX  cycle to refund the amount owed. On   XXXX   I called to cancel my account and was told their policy would not allow me to be refunded the annual fee as more than 45 days had passed. I was willing to prorate the amount. I requested the account to be closed and the deposit refunded. I told them I would take up the refunding the annual fee with CFPB. This was my oldest line of credit and closing this account will negatively effect my credit. I believe that this is part of their strategy and why they are unwilling to waive the annual fee.   Once again, with my credit score coming a long way, why would I pay an annual fee when almost every other credit card has no annual fee?
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
On   XXXX   XXXX   XXXX     I deposited a check into my account for  XXXX . Without cause or notice, the check was reversed. Upon calling the m, FOUR DAYS  LATER, they stated it was because it was third party and signed over to me and to 'just come in '. They stated they changed their ATM rules but did not put a notice regarding the new rules on their ATM regarding depositin g 3p ch ecks, nor did they mail disclosures to their customers.   I have been a customer wi th US Ba nk for a decade. I have deposited numerous third party checks and none were reversed. Because they failed to provide conspicuous notice or mailed/emailed notice of their changes, I was harmed.   Additionally, I am also an e-statement customer who receives notices via email. They have my email, my phone, and address and they did not send me any notice regarding the reversal leaving my balance dangerously low. Under the federal law their are required to ensure expedited deposit availability have the responsibility to notify me when issues aris e. FOUR day s passed since the reversal with NO CONTACT. They failed to perform due diligence, they reversed a valid deposit without cause an d may h ave impacted my ability to obtain a mortgage as I am actively seeking a home and am pre-approved with requirements to release my bank statements for a period of time to validate my application. This reversal severely reduces my average balance.   I would like to ensure this does not happen to anyone else.

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 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I received a letter onXX/XX/XXXX from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX. This in the return address window of the letter.
The reference number of XXXX was given for this notification for XXXX XXXX XXXX  ( against my company that Closed on XX/XX/XXXX with no liens or balances owed. ) The letter explains that it was advised to collect {$110.00} within 10 days to avoid cancellation of privileges.
I called, from my cell phone, to ( XXXX ) XXXX on XX/XX/XXXX at around XXXX - spoke with XXXX XXXX , not very clear. She asked for the RE number mentioned above, I complied.
Then XXXX asked for my personal social security number.
I refused to comply for reason 1. ) It was for my company, but she did n't ask for nor care about the Federal Tax Identification number - which seemed to be a red flag, at this point.
She told me that if I would not give her my social security number, not my FTID, then she could not assist me. At this time, I informed her if they believe that they are owed money, they need to send an itemized statement for my review. XXXX said that they can only provide information if I give them the information that they were asking for ( my social security number ).
I terminated the call with XXXX XXXX at ( XXXX ) XXXX.
I immediately contacted my credit card service representative at PNC and I confirmed that my account was closed with no money owed. XXXX XXXX, customer service at PNC sent a letter confirming that my account was closed on XX/XX/XXXX and no further action has been taken by PNC to pursue collections.
I also have documentation from PNC showing that my business banking account was closed on XX/XX/XXXX, and not further action was needed nor money owed.
In addition, on theXX/XX/XXXX banking statement it was documented that my contract with Merchant Services was met on XX/XX/XXXX.
In researching the information from this company, I have found that they misspelled the city and the address that is provided seems uncertain for what they claim to be.
As explained before, if I owe money I should received an explanation of what the charges are for shortly after my contract expired.
Since this communication via telephone, I have received a calls to my previous business line from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX - no message was left. And another call from ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX where the same person that I spoke with on XX/XX/XXXX now identifies herself as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
Afni is stating that I owe a debt in the amount of {$330.00}, the original creditor is  XXXX . I have repeatedly disputed this claim several times via mail for about a year, because this is not my debt and fraudulent activity with this account. I never signed a contract with Afni or  XXXX . I attempted in good faith to offer a pay for delete and never received a response from Afni. I would like this account immediately deleted from all my credit reports as I am not the owner of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
PNC MORTGAGE CO PHONE  XXXX   XXXX   XXXX  DECEASED  XXXX  I AM HIS DAUGHTER AND LEGAL OWNER OF THIS PROPERTY ALL LEGAL DOCUMENTATION HAS BEEN PROVIDED FROM   XXXX   XXXX   XXXX   (  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  (  XXXX  )  XXXX  PNC NEVER WANTED TO REFINANCE THEY JUST COMPLICATED EVERYTHING BY JUST PUTTING ESTATE OF AND MY NAME WAS ADDED TO NOTHING ON PAPER SO IT COMPLICATED INSURANCE AS WELL. I DECIDED TO JUST REFINANCE WITH ANOTHER COMPANY AND GET EVERYTHING STRAIGHTENED OUT OF THIS MESS.I PAID  PNC  {$20.00} FOR THE CORRECT PAYOFF IT WASNT  FREE.FIRST RATE  PAID THEM BY THE DATE OF PAYOFF REQUESTED AND IT WAS {$800.00} OVER.  PNC S ENT ( MY ) REFUND CHECK MADE OUT TO THE ESTATE OF INSTEAD OF ME THE LEGAL LIVING OWNER WHO BORROWED THE MONEY TO PAY THEM OFF.I CALLED  XXXX / XXXX /  XXXX   AND THE CUSTOMER SERVICE REP TOLD ME IF I CANT DEAL WITH THE CHECK IT WILL GO TO MY STATE . HOW HELPFUL!!!! I  CALLED  XXXX / XXXX /  XXXX   AND ASKED FOR  A MANAGER AND WAS TOLD ONE W ILL CALL ME BACK IN  24 TO 48 HO URS UNACCEPTABLE!!!! MY ISSUE IS I PAID AN ATTORNEY AND WENT THROUGH ALL THE PROPER CHANNELS AN D PNC SHO ULD NOT PLAY GAMES WITH MY REFUND CHECK AND I WANT MY CHECK SENT TO ME IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC, is stating that I owe a debt in the amount of {$240.00}. I repeatedly disputed this claim several times in the last year because this debt is not mine and fraudulent activity with this account. I have never signed a contract or received any paperwork from LVNV Funding LLC stating that I owe this debt or details of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NE

Complaint narrative:
In  XXXX  I refinanced my second mortgage with  XXXX   ( {$40000.00} ). Th ey told me my interest was hig h ( 12.8 ), but if  I made every payment fo r six months,  they would give me a lower rate. I made every payment for a year, then went in to get it reduced. I was told, ' Oh, we do n't do refi 's! '. Then, someone else took my loan, in  XXXX  I think, and I was paying  XXXX . I called them, explained my situation, and nothing was done to reduce my interest.   NOW,  SPS h as my loan, and my Principal is {$42.00},  XXXX !!! I 've been paying this loan fo r ten ye ars and I am going backwards!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GreenSky, LLC
State: FL

Complaint narrative:
Green Sky Loan Services has called me almost daily for 2 weeks. They have called from 2 different telephone numbers. They are looking for 2 women I have never heard of in my life. I have asked them nicely at least twice to stop calling me as I have no idea who they 're looking for. They always say no problem that my number will be removed. Then I get another call from them the next day. Please make the calls stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
-New mortgage loan with Stearns/  XXXX     XXXX , insurance was paid through my escrow account.    XXXX  I paid my mortgage insurance in full directly to my insurance provider for a full year for the dates  XXXX . I provided  Stearns  with the information and a copy of the receipt showing the mortgage insurance was paid in full and requested the insurance to be removed from escrow and to stop billing me for insurance.   -I have emailed, submitted to their website, mailed through the  USPS , had my insurance provider contact Stearns and I have called 10 tim es submitting proof that the insurance was paid in full. Each time I speak to someone they say it 's being researched and has been escalated for resolution and each time they give me a resolution date which passes with no change to my bill.    XXXX   Stearns sent me  a paper bill, Annual Escrow Account Disclosure Statement, stating that I have an escrow shortage of {$1000.00} due on  XXXX / XXXX /  XXXX   in addition to my regular mortgage payment due  XXXX / XXXX /  XXXX   and yet still including a portion to go to the escrow account to cover my insurance payment ( which they acknowledge on the phone that they see I 've paid ). I can not get an explanation on why there is an escrow shortage nor have they fixed the escrow issue. I paid {$870.00} directly to the insurance provider which should change the escrow shortage or overage.    XXXX / XXXX /  XXXX   - The customer service rep I spoke to said complete resolution by  XXXX / XXXX /  XXXX  .    XXXX / XXXX /  XXXX   - I checked the website and my account has still not been updated. The customer service rep said he sees all the times I 've called and said someone will call me next week " maybe Monday or Tuesday ''. He has " reescalated the escalation ''.   -As of today, they are still billing me for insurance. It has been  two  months since I paid the insurance in full and Stearns is still billing me for it and they are also billing me for an escrow shortage of {$1000.00} for a loan I have only had about 8 months.   -My monthly bill has been {$1900.00}. The statement sent to me says if I do n't pay the {$1000.00} shortage my new bill will be {$2100.00} and they have not taken into account the {$870.00} payment directly to my insurance company.

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 2017-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit Financial Corp.
State: FL

Complaint narrative:
Summit Financial Corporation is  stating that I owe  XXXX  different amounts on all my credit reports. I voluntarily surrendered my vehicle abo ut two m onths ago. The vehicle was sold about a month ago and my credit reports are not indicating the right amount owed. They immediately reported to my credit report that I surrendered the vehicle but has not decreased the amount owed on any of my credit reports. I was advised verbally that the amount owed after the vehicle was sold was a little over {$8000.00}. My  XXXX  Credit Report is showing I still owe {$12000.00}, my  XXXX  Report is showing I owe {$13000.00} and my   XXXX   Report also has an incorrect amount owed.

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 2017-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Walmart Credit card has as an MO when you pay the full balance or close to the full balance in Cash or electronic transaction, wait more than 5 days tpo post and release your credit card with the new balance. For example on XX/XX/XXXX I make a payment of {$800.00} to my Walmart credit card using their online portal, on XXXX the money was retired from my checking account, on XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. XXXX/XXXX/XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. XXXX/XXXX/XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. XXXX/XXXX/XXXX Walmart system said that the payment was posted bot the amount was not release from my credit card. On XXXX/XXXX/XXXX I called them because I want to know why my credit card balance is not release even the got the payment in cash more than five days ago. They said sorry and not satisfying explanation given.

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 2017-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
A money transfer in the amount of {$1000.00} was processed on  XXXX  to my landlord who has a   XXXX   XXXX    XXXX  account this transfer was with a company called  XXXX . On  XXXX  the payment of {$1000.00} was taken out of my account. On  XXXX  another {$1000.00} payment was taken. None of which ever made it to my landlords account. On  XXXX  I was called at  XXXX  by  XXXX   . T o inform me that  XXXX   XXXX   XXXX  would be returning the money on Wednesday  XXXX . On  XXXX  I received an email from  XXXX  stating that my payment had failed and the money would not be returned to me because there were no funds taken. Which is clearly not the case. I called numerous times throughout this process. All almost to no avail. I was told in the very beginning that they could not help me. I have spoken to supervisors and still am in a run around. I called on  XXXX  and was told basically they had no idea what was going on. And today which is now  XXXX . Still with no resolution. Or even a glimmer of resolution. With an overdrawn account and bills that need to be paid. I am running out of time and patience.

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 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank Underwriter,   XXXX   XXXX , contacted the  appraiser ,  XXXX   XXXX   XXXX , at her manager,  XXXX   XXXX  's direction, and asked him to change the appraisal after it was accepted and approved.      Citizens Bank d enied the loan based on false information provided by th e appraiser  and by incorrectly applying investor guidelines.     A complete explanation is provided in the attached document "  Citizens Bank Underwriters Choose Flexible Integrity. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-19 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: MI

Complaint narrative:
I wanted to recieve my free yearly credit report with Equifax and I could n't do it on the website. They asked me to send them a copy of my driver 's license and social security card. I did that and they sent me a letter stating that I did not send them to proper identification needed to get the credit report. I tried to call and could n't get a person. Instead, I got some kind of voice prompt that never sent me to a person. That was my attempt to get the situation settled with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
On   XXXX   XXXX   XXXX    , I received a notice from FedLoan Servicing telling me that it was time to renew my Revised Pay As You Earn repayment plan. This notice advised me to re-certify using  XXXX . It never told me that I would not be able to import my tax return as I had been doing for years.     On   XXXX   XXXX   XXXX    , I went to  XXXX  to renew my repayment plan. I completed the online application and had my spouse complete his portion on  XXXX .   XXXX   then instructed me to mail a paper copy of my application to FedLoan Servicing along with my tax return.     FedLoan Servicing never told me that I could upload everything online ; I had to figure that out on my own.     I submitted my application and my tax return  online. ( See att ached screenshots. ) On   XXXX   XXXX   XXXX    , I received an email stating that FedLoan Servicing had received my application and was processing it.     Then on   XXXX   XXXX   XXXX     I received an email from FedLoan Servicing stating that I had a message. I retrieved the message and it told me that it was unable to process my application because I had not provided income documentation. It then told me that I needed to reapply using  XXXX . It did n't even provide me a way to fix my application. This letter was very confusing.     I called FedLoan Servicing later on   XXXX   XXXX   XXXX      . I spoke with  XXXX  employee ID #  XXXX . He said that the letter I received was likely automatically generated because I did n't import my tax return online. This seems implausible. Why would FedLoan Servicing autogenerate a letter denying my application? He looked into my files and saw that the application and tax return were there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Spring Equity LLC
State: NC

Complaint narrative:
I contacted the company for a Home Equity Loan in early XX/XX/XXXX. They asked me for specific information including providing W2s, Paystubs, Mortgage statements, drivers licenses, homeowners insurance and additional information necessary to conditionally approve my application and forward to underwriting. They ran a `` Drive By Appraisal '' which I paid {$180.00} for and was significantly lower than the Market Comps ( appraised for {$390000.00} ). They asked me to send Market Comps and they would share with Underwriting - I also shared a full appraisal when I refinanced my first mortgage with XXXX XXXX last year which was appraised at {$420000.00}. I provided that last week and they are now not responding to any e-mails. I believe this company may be unfairly deceiving consumers to generate appraisal fees as a revenue stream. In fact, I applied for a similar loan with XXXX, and the process was streamlined and they ran a Desktop Appraisal which was consistent with the Market Comps ( {$440000.00} XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Date of the transaction : X/XX/2017 Amount : {$1800.00} Apparently I was charged for merchandise that were sent to a different residential address. I have spoken to the merchant and was told they made a mistake and advised me to dispute the charge with the bank due to them having trouble with some error. I gave many documents to support what happened as well as where the merchandise went to. I gave everything that the Chase Claim department would need to approve the claim. A month or two later they noticed me that the merchant gave valid information to state that the charge was correct. Then, I appealed the case stating that 's not possible, as well as giving more documents to support the fraudulent charge. However, the bank denied the appeal a week later and I 'm out {$1800.00} now ...

Company response to consumer: Closed with monetary relief