vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opened a basic checking and saving account with Wells Fargo. I was told I would have no fees. After several months I noticed I was being charged a $ XXXX monthly fee from my savings. When I disputed these charges I was told I needed to make a minimum balance or minimum transactions which I was not informed of when I opened the account. They refused to refund the fees.

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 2016-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a mortgage that was refinanced in XX/XX/XXXX and my name was removed due to the other joint owner XXXX XXXX financed it by herself yet XXXX is reporting it being closed in XX/XX/XXXX instead of XX/XX/XXXX and reflecting on my credit till XX/XX/XXXX. I need this matter to be corrected. 
WELLS FARGO HOME MORTGAGE Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Paid, Closed/Never late. 
Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 
Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : XX/XX/XXXX Type : Mortgage Terms : NA Monthly Payment : {$0.00} Responsibility : Joint with XXXX XXXX Credit Limit/Original Amount : {$230000.00} High Balance : NA Recent Balance : NA Recent Payment : NA Payment History : XX/XX/XXXX CLS Your Statement : Completed investigation of FCRA dispute - consumer disagrees.

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 2015-04-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending
State: NY

Complaint narrative:
2009 XXXX XXXX, XXXX XXXX Thursday of every month I got pulled from class to get a new loan for my living and tuition expenses. I was at XXXX for one year and if I did n't go to sign the papers for my new loan every month I would n't be able to continue my classes to XXXX. I missed out on important class information and had to make them up on my own time. Homework and other hands on tasks became more difficult to accomplish if I did n't make up the lost time going to sign loan papers. I was told a rough amount that my school loan would be. About {$15000.00}. I started paying {$120.00} a month for my loan agreement then Genesis Lending increased it to {$190.00}. I called to ask why the increase in payment amount each month. I was told they saw i had a higher income so they adjusted the payment accordingly. Is that legal? I 've been paying this amount for 6 years and still owe {$13000.00}. I called Genesis Lending and come to find out they have been rolling over all the interest I pay on the loan every year. So all I 'm paying is interest basically for the last 6 years. I do n't think I 'm being treated fairly or legally.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
In XX/XX/2016, I initiated a balance transfer from my credit card with XXXX to a new credit card with Chase Slate. A balance appeared on the new account of about {$3000.00}, but did not disappear from my XXXX card. Ever since XX/XX/2016, I have been making payments on both credit cards AND accruing interest on my XXXX card despite contacting both companies to try and resolve the issue. 

In XX/XX/XXXX, XXXX claimed they never received payment from Chase Slate. Chase claimed they had made the payment, but that the account number they sent it to was incorrect ( a debit account instead of a credit card ) and had therefore been declined. So although my online account at Chase still showed a balance of ~ {$2000.00} ( I make a {$300.00} payment to the card monthly ), they claim that at that point I did not owe them any money. They also claim that at that point, they REFUNDED the original amount of {$3000.00} to my checking account at XXXX, however there is no record of that amount landing in any of my accounts on or around XX/XX/2016 ( which is when they claim it was sent ). It is unclear whether that {$3000.00} includes payments I made on the Chase card in the meantime, or not. Chase can not provide me with the account number that they DID send the money to, though as of today they have sent me a snail mail letter which they THINK might have the account number on it for my reference. 

Since XX/XX/2016, I have paid {$850.00} in minimum payments and interest to the XXXX card I intended to close, AND paid {$2700.00} ( {$300.00} every month for 9 months ) toward the Chase Slate card that I APPARENTLY DID N'T OWE ANY MONEY TO (??? ) although the balance still appears on my online Chase Slate account. 

I am officially baffled and I do n't know what to do next. All I want is to have the money I was n't supposed to owe be returned to me, and to close both credit cards ( which will require another balance transfer to a yet-to-be-determined third party ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
This collection company spoke with a third party without my consent I disputed it online with XXXX and never received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I established a vehicle loan with Chase Auto Finance in XX/XX/XXXX and started to pay on XX/XX/XXXX. I did my regular payments at is showed in the attachments. On XX/XX/XXXX ( 2 years later ) I have to file a Bankruptcy and I did and was discharge for the Bankruptcy Court of XXXX FL on XX/XX/XXXX. At that time my payments of the car loan were showed in my credit report. I spoke with the Bank representatives and told them that I was going to continue payment my car loan because I want keep my car. They accept the payments all months, only 2 - 3 late payments l payments. But I did a big effort and finish to pay the car in XX/XX/XXXX two months before of the established day. The Bank sent me a letter where they consent the title were give to me because the link of the Bank was satisfied. Now I want to buy another car but I found that the Bank did not report all my 48 payments to the credit bureau and the reason they give to me is that I did not sent a form to the Bank telling them that I was continue with my obligation to pay the car to them. Probably I did not fill the form but I continued paying the car and the continued receiving the money and giving me the receipt or my approve by phone. The say they do n't have the obligation to report. My question is : Why nobody talk me nothing about the form? Why they continued receiving the payment if they were going to push me in a tramp? They also remove from my credit report the 24 payments that I was made at the time I filled the bankruptcy, there looks like I have never buy a car. I want you help me to reach the goal of see this account showed in my credit report. I am sending you the letters I received from the Bank authorizing the title company to made the title of the car in my name, the report where the bank show the amount and day of every payment for 48 months with of very few differences, some of he receipts gave to me when I paid directly in the Bank, the receipts sent for them by mail. It is good to say that I have to meet the procedure gave to me for the Bank which I have to call every month to the department of Bankruptcy and explain them I wanted did a payment to my car loan. And every month for 24 months after bankruptcy I did. Please help me! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC
State: CA

Complaint narrative:
Debt collectors started calling me XXXX weeks ago from world wide, the man named XXXX would call and act like hes a friend when my mom would answer never would tell her who hes witg or why hes calling. So I called back and he said that I owe this and that if I do not pay I will be sued. I told him I need it in writing of my debt so I know exactly. He said no we sent u something months back and now since u never responded we cant. I asked him what address and he told me and I said I havent lived there in XXXX years. He said to bad. I said well I need it in writing. He said no. Then I said I cant pay the whole thing. He said well we will garnish your wages. After that I called backto speak to a manager and her name was XXXX, she said that thats the reasons business go under. She said she would look into it. Well XXXX days later here calls XXXX again saying u didnt get anywhere with her and I did nothing wrong. Are u kidding me! So I called to speak to a manager he answers and he would n't let me speak to anyone but him. So I called the head manager, l and left a voice mail. Today Iget a call from him so he begins to tell me that is state law they can take mywages and planto do so. He said that he called my work and found out where I work and when he said the company name I told him sir ive never even stepped foot in there. He said I spoke to the manager and u work XXXX nights a week there. I told him that is completely untrue. He said your lying state of California show your working there. Then when I continued to tell him I dont work there he said well just sue u then and hung up. I could n't believe it. When I got off work I called the place he said I worked at and asked if someone there said I worked there. And the lady said the manager has been out of town for a week and they are not aloud to tell people u work there unless its in writing. Can someone tell me if this abuse is legal or not?????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Arbitration Forum
State: CA

Complaint narrative:
I received a call on my cell phone where a person was looking for my brother. The person indicated that the petitioner was filing something against my brother. That person provided a phone number XXXX and indicated this was a notice. I called the number it was listed to XXXX. I spoke to a man his last name was XXXX. I informed him I was calling behind a phone call I received for my brother. XXXX indicated could not provided me with detailed information but indicated was filing a complaint in XXXX County court for criminal actions against my brother and threatened a body attachment. He indicated that my brother used me as a referenced informed him I knew nothing about what he was talking about ; he furthermore indicated that it was in regards to monetary issues concerning my brother owed. Informed him thatI was his sister and that my brother was grown my brother has not lived with me in years and I had not spoke to my brother in months. XXXX proceeded in telling me that since I was used as a reference that I could be summoned to court. I was able to reach my brother to tell him to call these people however I called XXXX back to ask where they were based out of and male indicated New York and they were arbitrators and not bill collectors. I have worked litigation before I have never known an arbitrator to release any information to a XXXX party and place a threat of a body attachment when initially processing a court proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My wallet was stolen in XX/XX/2015 on the subway in XXXX around XXXX. I realized I did not have possession of my wallet around XXXX that day, and I immediately went to the closest Bank of America banking center to report the fraud totaling {$370.00} and cancel my card. 
There were XXXX fraudulent transaction, all within 2 hours -- XXXX BoA chose to recognize as fraud, and the XXXX larger charges were denied. They stated that my PIN was entered at the time of purchase. Knowing this was false, as it was not me, i contacted the merchant and obtained copies of the receipts. Both receipts show the transaction was signed for -- XXXX different signatures minutes apart, neither being my own. 
After the initial claim was denied, I filed another with paperwork, including : receipts, ID replacement receipt, XXXX replacement receipt and a written explanation of events. A bank associate faxed these documents in. I received no notification/communication for over a month. 
I went back to the banking center, met with another associate who checked on the claim, as he found no record of it. After being there over an 2 hours, he assured I would be contacted within 48 hours with an update -- nothing. 
I called and visited the banking center several more times, with the employees never being able to find the claim information. 
I spent another 1.5 hours at the banking center today, where they placed me on hold with the call-center, while the associates stared at me smiling, and decided what to order for lunch. After XXXX transfers, the fraud specialist did find the paperwork that had I had previously filed, but stated that the notes stated it was not referenced during the 2nd investigation. Again, the claim was denied due to an " electronic authorization '', PIN entry at purchase, even though there was clear evidence the transactions were signed for fraudulently. 
She then advised she was unable to escalate the claim further, as too much time had past, and suggested I reach out to the merchant to reimburse me.

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 2015-07-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: ACS Education Services
State: PA

Complaint narrative:
While attending XXXX University I was denied federal student grants that i had previously been granted. The next semester I was told I did n't make the deadline for turning the paperwork in even though the paperwork had been continuously sent back for missing information which I had already provided several times. I was forced to apply for a loan with ACS, which totaled XXXX to accommodate the XXXX semesters dues. I was advised by financial aid that i had exhausted my borrowers limit with ACS and I was forced to apply for a private loan and in order to continue my education I took out THIS private loan from XXXX XXXX, the following semester I was denied student loans and was told I did n't fall in the income bracket to receive aid although my fathers income had not changed and my mother did n't work and I have XXXX sisters XXXX of which were claimed by my parents. The total private loan borrowed from XXXX XXXX XXXX was around XXXX dollars. I am XXXX years old today and I have struggled working XXXX and XXXX jobs to pay XXXX school loans with XXXX and ACS since XX/XX/XXXX after my graduation. I have successfully paid in full my XXXX loan in the amount of {$3800.00}. Currently I am struggling to pay my monthly dues of XXXX with XXXX XXXX XXXX. In 2014 I paid {$440.00} in interest fees FOR MY XXXX loan alone. I currently owe more than XXXX dollars to XXXX for the semesters at school which Federal Aid was denied to me for no reason which was valid or my fault. I am struggling and can not afford my bills any longer what can I do. How can I get relief from my financial education debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
In mid-XX/XX/XXXX of last year, XX/XX/2016, I took a cash-out refinance with XXXX. The title company was XXXX. The closing disclosure contained a 'clerical error ' that was caught hours before the loan was to close and long after the signed and notarized documents were received by the Title and Lender. Having been informed at the last minute of this {$1000.00} error, not in my favor, I was forced to sign a revised CD. Now, it turns out that my previous lender, Ditech, did not receive the full payoff amount from the title company. Unbeknownst to me until I pulled my credit report last week, ditech has been reporting me to the credit agencies and levying late fees etc ... I have called and left VM 's and emails, but Ditech is not responding. I need to know how short the payoff amount was and why this happened. I especially need to know where Ditech has been sending my bills and other correspondence. I will ultimately request that they waive any late fees, interest, etc ... that have accrued since the 'payoff ' and that they immediately communicate with the credit agencies to get these negative reports removed. Please contact Ditech and any of the other listed parties that held a fiduciary duty to me as the consumer through that refinance. 

Thank You! 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
This loan was initiated with a bank in XX/XX/XXXX, which then sold the loan to XXXX, which then sold the loan to XXXX XXXX XXXX, which then sold it to Green Tree Servicing LLC. This last transfer happened in the first fall-out of the mortgage-lending crunch/bad debts/people losing homes, etc. -- before all of the programs to help owners keep their homes. When I realized I could no longer keep the house, I tried to place it with rental management companies ( in XX/XX/XXXX ), but no possibilities there. I then tried through Green Tree Servicing LLC to have them take the house/loan back, but was told that since I had moved out of the house and out of the state and gone where rent was less expensive, that it was now 'rental ' property and did n't qualify for them to take the property over. I contacted a realtor that specialized in 'short sales ', but Green Tree Servicing LLC would not deal with this realtor, but instead sent the house for Sheriff Sale. The house originally was purchased by me for {$250000.00} in XX/XX/XXXX. After 4 years of my paying approximately $ 2,000/month, Green Tree Servicing LLC sold the house to itself for {$200000.00}. So, I lost the house, lost my credit standing, have been scrambling ever since to live, support my children and have them grow without the sword of Damocles forever overhead. In checking with one of the credit bureaus, I see Green Tree Servicing LLC making periodic, new adverse reports against me as if I keep defaulting on a debt. Is this even legal/legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: NV

Complaint narrative:
About 2 weeks ago I had reported my Rush Debit Card compromised. And as I expected since the representative was not listening or understanding what I was talking about. He filed the disputes incorrectly causing my card to be closed. And when I woke to a manager since he did n't understand still the situation. She then proceeded to apologise and to over nighting me a new debit card. But then she proceeded on Transferring me to a dispute representative that I thought she had communicated the error and had fixed what the previous rep caused. To my surprise she did not which I found out yesterday when Rush Card closed my card without warning. The representative filed all my disputes incorrectly and did not block my card allowing transactions to hit my account. As of yesterday they have closed my account and they claimed to have mailed me a check for the balance. Which does not include XXXX pending transactions totalling XXXX dollars which were just holds for transactions that were not processed. But to Rush Card policy they remain on hold for 10 days and an hour from when the transaction was ran. On top of that there are the disputed transactions that because of the representative still hit my account although I called and reporterted the issue with my card before they happened. The total of those transactions are above XXXX. Rush has left me without a card and access to my funds do to negligence of their representative. They are mailing me a check and who knows when it will arrive. Since now they have to continue mailing checks do to their policy and the holds pending on the account. Before the closure happened I called to verify since I had a feeling that the documents I received did not state what I had told the representative but they were not able to provide me information because they did not deal with disputes. And customers are n't allowed to speak to them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 'm trying to buy a house so the mortgage company ran a credit report. There is a medical bill that is over XXXX dollars. I called the collection company that is holding this account. Spoke with a representative and she also spoke with the manager. In XXXX this company sent multiple letters requesting this be removed from my credit report. It has been XXXX years since this company ( XXXX XXXX XXXX XXXX ) sent this request in writting. Equifax, XXXX, and XXXX are still reporting this negative account on my credit report.

Company response to consumer: Closed with explanation