vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Data Check of America LLC
State: AL

Complaint narrative:
Data Check of America has contacted me about a bad check I wrote to XXXX XXXX. I asked for something in writing to be mailed. Never got anything in the mail. They asked me to view a check on the website I did looked like a check I wrote. This is a check from 2001 and I no longer bank with that company. I pay my bills and if they would simply mail me notice I will work some type of settlement if I in fact owe it. Then I get a call from the " attorney '' XXXX XXXX XXXX from GA but I ca n't find anything on them. I spoke to a XXXX XXXX XXXX told her also to mail me something and she told me that was a stall tactic and she would not fall for my SCAM???? She said they were going to take to to court and starting yelling because I told her to simply mail me something over and over she continued to act unprofessional so I hung up. I looked on the XXXX under datacheck of america and the address this number listed above falls under them. I also tried to look up the law office referenced and could not find anything. I just wanted something in writing I will never pay something over the phone. She had my SS # address and name. There is nothing on my credit report I have checked. Please help me.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Bronstein & Weiss Arbitration
State: AK

Complaint narrative:
same number calls pretending to be paralegal, then process server. Indicating debt owed, no " debt collection, will be used for the purpose of collection .... '' info given at any time, operates out of XXXX in XXXX store in XXXX, spoofs/blocks numbers

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Hi I 'm writing to complaint about Shellpoint Mortgage company. We are try to do a loan modification I through everything was going fine .I would call every 2 day to check on my loan I got no call back or your loan steel being processed. A few days ago someone from a Realtor company came to my house. Say we have to sign a paper a be out in 30 days. NO WORD FROM MY MORTGAGE COMPANY ABOUT THEY WAS SELLING OUR HOUSE .I HAD TO got To COURT HOUSE TO SEE WHAT WAS GOING ON. THEY NO ANSWER. NOW. HAVE TO A LAWYER .PLEASE HELP ME TO UNDERSTAND WERE I WENT WRONG. SO disappointed In My MORTGAGE COMPANY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: KEYCORP
State: CO

Complaint narrative:
Having excellent credit, I took out a Line of Credit simple interest acct with Key Bank. I paid it off. I took out another one XX/XX/2016 and their accounting is woefully inept - and now I think is purposeful mishandling to enable them to charge " late charges ''. On the attached statement from them, you will note that, though I had an auto-pay each month via my credit union, they would show receipt of a payment and then " reverse charges ''. For no reason. I personally met with 2 different bank managers to try to fix THEIR accounting errors. They are woefully inept, slow to get back to me, completely unprofessional. In XX/XX/XXXX, the 2nd branch manager visit appeared to have fixed Key Bank 's problem. In a few months, the whole unprofessional and incorrect banking game began again. I receive daily harassment phone calls from Key Bank as they assert I owe them money. You will note that I went to my credit union to absolutely ascertain that each amount had been paid to Key Bank. They HAVE my money but CLAIM they do n't. I now believe this is a ruse to charge late fees. Because I was demanding the repair of their inept banking practices, they punished me by " freezing '' my account ( unable to draw money from it ). I had my legal firm send a letter demanding repair of their inept practices - and to apologize to me. They have ignored my legal letter. I have attached various statements, proof of 1-1 visits to Key Bank, my legal letter, etc. This bank is inept. They will not fix this mythical problem they 've made up. If they hurt my excellent credit, they will regret it as there are no limits to how I will seek retribution. I need them to fix how they have some type of scheme going on to charge late fees. My monthly fee is {$60.00} and yet their statement ( which I downloaded from online ) reflects odd amounts, reversals - it is completely out of control. They are unethical, inept, corrupt. How many more people are suffering this? I want them to pay me a restitution for all this XXXX, for my visits to their bank, for their ignoring my legal letter, for the constant incorrect unethical harassing phone calls. This is the worst bank in the history of the world. Please find attached numerous documents. I hope so very much that you can help me. They are out of control.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Western Union has the worst money order refund process. It is very long/protracted, against normal intuition, and does not allow an efficient refund. In addition to this, they have discriminated against me as a XXXX person, decreasing the amount I am due although I have been in and out of the hospital since 2013. 

I have had a pending refund request for the last 4 years. I have sent the requested documentation and complete information both through snail mail twice and fax a grand total of three times. Managers named XXXX, XXXX, and countless representatives have failed to produce the desired effects of a simple money order refund. For any new information regarding the refund it takes 2-3 business days. I have had to hound the team receiving calls at XXXX XXXX XXXX XXXX XXXX to do their job. The team has dropped my calls, flat out ignored me, talked over me, and denied that I have sent documentation on several occasions. In the last communication, XXXX told me that she received paperwork, and she can not issue the refund to my New York address because the forms were incomplete. I have heavy time stamped documentation showing complete high resolution faxes were received at XXXX XXXX XXXX XXXX XXXX. I have had a college professor, lawyer, and doctor review my paperwork in my building to verify it is done correctly and completely. 

Western Union has fraudulently withheld my refund and has been deceitful through from start to finish. I have been scammed out of funds that were to pay for medications necessary to keep a XXXX person alive. 

If that is not wrong, I do not know what is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My Wells Fargo banker suggested me to apply for a secured credit card and told me there would be no annual fee for the card. I thought it would be a good idea to start building credits considering I am about to XXXX college. Until a week later after I got approved. I was charged {$25.00} annual fee on my account. I called my banker and asked about the fee. He claimed that he thought there would not be any annual fee, and since I already got approved, there is nothing he could do about it. I am now not only obligated to pay the fee but also stuck with a credit card which I would not have wanted if I was told the truth.

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 2017-04-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am a XXXX rated veteran caring for my XXXX grandson in my home. Due to a downsizing from my job and loss of my main source of income, I requested a loan mod from Wells Fargo in order to make the payment more manageable and ultimately keep my home. I was denied citing I had too many assets. Once those assets were depleted several months later, I again requested a loan mod but was denied again for the exact opposite reason citing I could not afford a loan mod payment ( not enough assets ). This was clearly contradictory. Which one is it? What is the objective criteria for a loan mod? Instead I was given the option to " apply '' for a short sale both times. I want to keep my home and continue to provide a stable environment for my XXXX grandson. Not sell it. What is the purpose of the loan mod program or the " Home Preservation Program '' as it was called if it was n't to assist those who want to retain their home and make good on their mortgage?

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 2017-01-10 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I applied for a credit card through Wells Fargo in XXXX MT on XXXX XXXX 2015. I never received it but was approved. They sent it to my past addresses that were listed in my credit report. I checked my credit one day and found out that I had this card and it had been being used by someone else. I cancelled it and reported the fraud. Later I check and find out it was also connected to a checking account that I was a co on. I did specifically ask that this card not be attached to any checking account and was told that it would not be, but it was and that checking account kept getting over drafted without my knowledge and put against my credit card up to approx. {$8000.00}. Approx {$6000.00} was overdraft fees. I contacted the bank to talk to the guy that set my account up but he had already quit, I am pretty sure it was due to being forced to setup accounts like this. I had to pay it so I could cancel all my accounts with them because everything they did was a mistake and kept costing me more money. I believe they at least owe the amount in overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Integrated Recovery Services
State: CA

Complaint narrative:
A call from integrated services it was a robocall. Basically the voice said that they were attempting to contact but they bleeped that name out. The recording went on to say that they gotten some legal paperwork and if I did n't get ahold of them today that I was going to be facing federal and state charges for not paying a financial Institution. At the time I did not know the company 's name that called but I did a little research I found out that their name was integrated services after that point I did a web search and found out that there is no law firm by that name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I 'm filing a complaint because the credit bureau is documenting that I have had several dismissed bankruptcies. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX Thanks in advance

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 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they the credit bureau pulled the information from a third-party reporting agency and therefore that information must be deleted.

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 2017-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Despite repeated requests, Nelnet will not grant me access to my online account. If they fail to abide this, I will be forced to file a civil action and a claim with US Dept of Education Ombudsman 's Office through my Congressman 's Office to compel the US Dept of Education to compel Nelnet to allow me access to see how much interest has accrued since the filing of my Chapter XXXX Bankruptcy. 
If there is such a regulation or law prohibiting me access to my student loans account online, then I have a legal right to Discovery. Please provide the following : ( 1 ) the legal statue ( cited with section and paragraph number ), ( 2 ) when this statue was enacted, and ( 3 ) the exact verbiage of the statue and how Nelnet is interpretting this statue. 
If it is a regulation, then please cite the regulation, which Federal agency it falls under, and a point of contact person at that agency regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Continued to call and threatening me calling at different times and stating someone will be waiting on me with legal documentation outside of my home and job

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA

Complaint narrative:
I now have XXXX loans being serviced by Educational Computer Systems Inc ( ECSI ) : XXXX for a Perkins from XXXX College ( undergraduate ) and XXXX for a Perkins from XXXX ( graduate ). When I obtained my initial statement for the XXXX loan, the URL provided led me to a different portal for entry to the servicer website in order to make a payment than the one I was accustomed to using for the XXXX loan. I followed through with the registration process nonetheless and made a payment for each of my loans one after the other. In each case I was only given one option for payment, which resulted in a {$1.00} processing fee. I had no way to decline the fee and make an alternate form of payment. I called the servicer after the fact to complain about this, noting that I had never paid a fee when entering to make a payment through the other website. I requested that I be credited {$3.00} ( $ 1.95x2 ) to reimburse me for the erroneous fees charged. I was told someone would get back to me ; nobody ever did. I called again on two different occasions and was told there was no resolution to my problem ; I was in fact offered no resolution. The fact that this company has multiple URLs that do n't appear to " speak '' to one another and that have different payment options, and the fact that they default to having borrowers directed to the site where fees are charged, is predatory. I maintain my request for a credit of {$3.00}. Unfortunately, I ca n't stop making payments in the meantime because I do n't want to hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Orion Portfolio Services, LLC
State: PA

Complaint narrative:
Orion is fraudulently reporting a XXXX account to my credit bureaus I have been disputing for over 3 years. We have written Orion Portfolio, as well as their subsidiaries, such as XXXX, XXXX, and XXXX several times over the last three years disputing a debt supposedly owed to XXXX in the amount of {$360.00}. As we have stated on numerous occasions to Orion ( and its subsidiaries ), this amount is owed due to double billing on old XXXX account ( that was supposed to have been closed ) along with new ( current ) XXXX account, all at the same time. Even though we have disputed this debt, to this day Orion, through XXXX, is reporting this account to credit reports. We have tried many attempts to reach Orion to no avail. XXXX, however, is not willing to correct the reporting of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I bought a house XXXX IL. XXXX In XX/XX/XXXX. My close was owned by XXXX, Then XXXX in XXXX. I refi- with Bank america XXXX. XX/XX/XXXX i receive a call from Bank America and I was told we are going to take your house. So XXXX Bank America transferred me to XXXX and XXXX for foreclose. XXXX house broken into identity thief with my home owners insurance. fraud foreclose papers blacken out and Bank America report to the credit bureau I never a payment. House taken away.

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 2017-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My manager deposited a check to my account as my paycheck did not go through for my first week of work. I never use a teller with my bank and I have been with this bank for over ten years. Bank of America charged me XXXX to use the teller. I never bounce a check and I never use a teller. I explained to them about the reason why a teller was used and it was the first time I have ever used a teller with Bank of America. I was told that they could not refund this. It is {$8.00} and they can not refund that back to my account? A bank as big as Bank Of America?? Really? This is absurd. These banks are getting away with murder and if it was not for the consumer, they would not even be in business. These banks are taking advantage of the consumer and it needs to stop. I seriously need to find a credit union. After a second call and notifying them that I was filing a complaint, they decided to refund the amount. You have to watch these banks like a hawk. Seriously.

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 2017-04-06 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had XXXX 0 % promotional balances - XXXX expired XXXX/XXXX/17 the other expires XXXX/XXXX/17. On XXXX/XXXX/17 I made a payment of {$6700.00} fully expecting it to go against the expired promotional balance which was now at 10.74 %. Instead the payment was mostly applied against the XXXX/XXXX/17 promotional balance and Chase started charging me 10.74 %. When I called and spoke to 3 levels of Chase management, I was finally told by XXXX, a Manager, that they could apply the payment anyway they want ( to their advantage ) and I had no recourse

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ability Recovery Services, LLC
State: AR

Complaint narrative:
Now that they " closed '' this account that was included in bankruptcy was never reported as a charge-off off before the bankruptcy, however they 're reporting this as a Charge-offs. 
Per the FTC, if a debt was not in charge-off status BEFORE you filed for bankruptcy, it can NOT be reported as a charge-off AFTER your bankruptcy,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: ECMC GROUP, INC.
State: WA

Complaint narrative:
Premiere Credit keeps calling me before XXXX PST I have informed them to communicate with me via email because I refuse to speak with their abusive representatives. Their response is to initiate phone calls starting at XXXX PST. I just received a call on a recorded line from XXXX a sales rep, which I did not give permission because this is a two party state. The number that called was 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