vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
In XXXX 2016 I started to receive a service fee of {$7.00} for a Quicken ( software ) service that I do not use on my BBT Personal Checking Account. I have used XXXX on my computer for about XXXX yrs and have never been charged a fee from any bank. I email BB & T and told them I do not use and do not want this service and to cancel it and credit my account. At that time they did give me a credit. This continued to go on throughout the year. Towards the end of the year, XXXX did n't even connect anymore to BB & T and I had to Manually download transactions and yet I still was getting charged a {$7.00} which I had to ask for a credit. I emailed and called many times about this issue and repeatedly expressed that I do NOT want this service and if it continued I would close my account and take my business elsewhere. Well it did not stop I changed banks and was waiting for one check to clear to bring the account to a {$0.00} balance. On the day the check cleared, another charge for {$7.00} for this service I repeatedly told them I did n't want was put on my account as well as a {$36.00} NSF charge. I immediately called the XXXX number and told them about this. She told me should open a ticket and research the matter and I would hear back or receive the credit and that SHE could n't give me the credit. I told her I wanted the account closed but now it had a negative balance. I called back a week later to follow up since I had n't heard anything or seen the credit on my account - this person again told me they would open a ticket and she was at least able to refund the {$36.00} NSF charge - she also told me she sees the account as closed. I also called a local branch near my job to see if they could help close this account and he told me that the account was showing as closed and the only he could do was make sure no more debits came through the account ( which did n't happen ) as I now started to get charged a monthly maintenance fee of {$12.00} and another {$36.00} NSF fee - who keeps charging a " closed '' account??? I call again ( about 10 times ) and The bank then proceeds to tell me since I 've already received a credit within 24 months they ca n't credit me. And some of the reps were not very nice or helpful, in fact they were downright rude and one even hung up on me! Who does that to a customer?? Now we 're getting letters that it 's going to a collection agency. This is absolutely absurd. NO ONE AT THIS BANK would assist to credit my account the money that I should never have been charged in the first place. Please HELP. 
BB & T needs to credit my checking account {$67.00} for their own fees that they charged on my account including service fees for a service I NEVER USED.

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 2016-12-20 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I have been doing business with Western Union for more than ten years and on the XXXX of XXXX 2016, I received a shocking news of my life. I sent money to my cousin in XXXX with an agent in my neighborhood at about XXXX. I was told by the cashier that she will put it on hold because I need to call this number XXXX to answer questions from Western Union customer service. When I got home at about XXXX I called the number from my home phone and answered few questions, the customer service representative assured me that she was going to release the money. I called my cousin at about XXXX Eastern Time and XXXX XXXX time to give her the TRACKING NUMBER. At about XXXX I had a call from my cousin, she was at the bank and the Bank said the money has not been released and the tracking number is not available. I immediately went over the tracking number with her and it was correct, I then called Western Union, the customer service representative told me that it has been picked up by the receiver. Western Union gave me the pick up time at XXXX ( XXXX Time ) a city in XXXX I said I am on the phone with my cousin the receiver, she was told the money has not been released and the tracking number is not available. I was devastated as well as furious. I have been given the run around, various representatives told me the case is being investigated and will call me from 24 to 48 hours Now the investigation is going to take 90 days. No one has called me, I have called more than eight times and spoke to representatives from all over the world. 
I need my money as soon as possible, I am a valuable customer for all these years. This is not a credible business practice, I am supposed to get my money back and not wait after an investigation, because proper protocol was not followed. No one knew the tracking number only Western Union, my cousin and myself, meanwhile both of us do not have the money. So if the money was picked up before the receiver got to the bank whose fault is it. I need answers as to what happened to the money and want my money back. 
On the XXXX day I called Western Union and I was told the case is closed, because picked up the money. I told them that is not possible and I need proof. I have spoken to three different people the latest person was on XXXX XXXX. This representative told me to go to the local precinct and obtain a subpoena and submit it to someone at the Western Union office. When I went to the precinct and told them my issue the detective told me they do not handle such cases. I tried to call the number that was given to me to submit the subpoena to ask questions. When I called the phone number, I had a recorded message asking for the XXXX digit extension, but I was only given XXXX digits. There so many inconsistencies and i just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX I went into Bank Of America located on XXXX in XXXX Texas to open a savings account. While pulling up the computer screen then associate told me that I had an invite to open up another credit card account with Bank Of America. After completing the paper work for my savings account she filled out an application for me for another credit card. I was denied! I found it very strange because Bank of America had been sending this invite to me very frequently since last year. After returning home I decided to call the bank and ask them to review application and asked them why I was declined! The representative told me to wait until my decline letter came in the mail. At that point, I asked to speak to a supervisor. The supervisor told me that I was denied because I had XXXX account that were sold in XX/XX/XXXX. I told him that I only had XXXX account with Bank Of America in XX/XX/XXXX that my lawyer took care of when I filed bankruptcy. I told them that was not fair because I cleared up my credit and it is in good standing. He said how do you know, I told him that I check my credit report frequently. So after going back and forth he decided to connect with their review department. I spoke with someone in their review department and told them that I only had XXXX account with Bank Of America in XX/XX/XXXX which was taken care of by my attorney when I filed bankruptcy. Also. I asked her for the copies. She said that she did n't have the application or the reports on the accounts because they were sold off. She also told me since they were sold off that that was not a reason for them to deny me credit. With this being said, I believe Bank Of America denied me credit based on false incorrect information. This is against the law according to the Fair Credit Act, The Consumer Act, and Unfair Business Practices!

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 2017-01-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Brown and Joseph, Ltd
State: NY

Complaint narrative:
Our previous Insurance company for our business ( XXXX Workers Compensation insurance policies ) has made numerous errors on our account that began in XX/XX/XXXX. Our premium doubled without explanation and we continually were trying to gain insight and rectify our account with XXXX, since then. We originally obtained this insurance with XXXX through XXXX ( XXXX, was our agent ) .We will attach the appropriate documents ( which are all correspondence via email ) - which will clearly display the errors, acknowledgments, unprofessionalism and incompetency that was shown and communicated to us by XXXX , XXXX and ( the now ) collection agency ( Brown & Joseph , Ltd ). XXXX ( of Brown & Joseph ) was the last communication that we had with respect to our situation and account. We proposed good faith payment plans via phone and email with XXXX ( and also through emails, previously, with XXXX of XXXX ) - neither company was willing to accept our payment plans that we offered ( based on what we were able to afford ) as they felt our terms were unacceptable. XXXX was passive-aggressive and threatened that if we did n't have payment by XXXX on Wednesday, XX/XX/XXXX he would take us to court and by that following Monday we would be calling him back to start calling him names. When we questioned him as to why he was speaking this way to us, he repeated himself. All we wanted to do is rectify and move on from this awful situation that was created by XXXX, lasted 8 months before actual numbers were finalized, and at this point- all parties are making us feel like 'they ' are the victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was misinformed by what a forbearance was. I was told that if I wear to do this that I would not have to pay anything and that I would not have any interest placed on my account while I was in forbearance. They asked if had received any government help and if I did to send them a copy of whatever assistance I get that they could wave certain fees and keep my loan amount at what it was. I sent all the information they needed. When I called back to verify that they have received all the information one agent told me that they did receive it and it was processing. A week later I received an email saying that interest on my billing was still accurring and that I needed to pay something. So, I called back and was told that Everything that I had spoken to the previous agents were not true and whether I was in school or not that the interest will remain and it will continue to grow no matter what and no one has control over the interest. So, life happened and I had to stop going to school. I then tried to enroll again and was told I needed to pay at least 5 dollars a month before I could get into good standards with the loan through Navient again. I did that. I was told as long as I was enrolled in school I could pay at my leisure on my student loans because I went through the program to get back on track. I was never told that interest would still be rolling and that I had to pay each month or a particular amount each month. I was told that charges would start after 1 year of graduation or one year after I stopped that has yet to happen charges are still ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company
State: FL

Complaint narrative:
To Whom It May Concern, In XXXX we faxed documentation copy enclosed, to Statebridge for a modification application. After no response from Statebridge for XXXX, XXXX, and XXXX we had no other options to file a complaint with the Consumer Financial Protection Bureau. 
On XXXX XXXX, our counsel contacted us regarding a letter dated XXXX XXXX, XXXX from servicer, " Statebridge '' on missing documentation. On XXXX weekend we faxed the required missing paperwork on XXXX XXXX, XXXX. 
Our counsel was never given to the loss mitigation department 's contact information, and on XXXX XXXX, our counsel tried several times to contact Statebridge 's counsel. He left several messages, and none of his phone messages were returned. Finally, he contacted Stagebridge on the only contact phone number given and this is the servicer 's customer service line, he wanted to verify that the loan modification application is complete. He was told : " You will have to contact our counsel, and I ca n't transfer you to loss mitigation department '', says XXXX, a manager. This is a typical example where Statebridge neglected to communicate with our counsel on missing pages which resulted in the foreclosure of our home. Servicer did not demonstrate reasonable diligence when obtaining documentation and information to complete the application, which resulted in foreclosure of our home. 
On XXXX XXXX property was foreclosed due to missing pages that was not included in the fax. The most recent pages that were available and were sent immediately to validate that we had all pages needed to avoid foreclosure, copies enclosed. All 6 months of bank statements of both owners, profit and loss, including the XXXX tax return. Documentation was ready and available for Statebridge, including my Social Security XXXX Benefits, and our school aged daughter 's benefit was also enclosed to validate our income. My daughter and her father have the same last name, this is classic example on Statebridge 's negligence towards how they do not communicate with us on pages they received or pages missing for completion of our modification process. 
Servicer is simultaneously evaluating the homeowner for a loan modification while avoided, rushed and pushed through to foreclose the home. We never received any communication from servicer except the letter dated XXXX XXXX, as a homeowner I am confident that the banks accepted the Government Bailout in lieu of rendering the homeowner homeless. Many banks seek relief from the bailout and received billions of dollars from the Government only to enrich their own pockets. I am a homeowner that this bailout was intended to rescue, but instead Statebridge has taken the Government Bailout and today, I am considered homeless homeowner, displaced by Statebridge 's negligence. 
Our mortgage is a FHA fixed with interest rate of 8.5 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have recently heard about the lawsuits against Navient and they have done to me all of the things the lawsuit has alleged. I have been charged late fees and interest even though I have paid consistently through the years. Payments have been misapplied, I have often paid more than the monthly installment amount but those extra payments have not been directed towards principal. My payments have often been misapplied in fact payments at one point were directed to a smaller loan with the same lender ( originally XXXX ) I had that could n't be consolidated in my consolidated loan and that smaller loan got paid in full but I was forced to file a deferment for the larger consolidation loan and during that time interest accrued. I consolidated my student loans upon graduating and in the early years when my income was lower I called many times about income based payment plans and was never given full information about my options. Had I entered such a program my loans would like be dischargeable now since I 've been paying for over 20 years. I have paid much more than I ever borrowed but still owe more than I borrowed after decades of payments due to late fees and interest. I also have had difficulty getting information about my payment history. I have called several times and requested a copy of my full payment history including deferments and forbearance information but it has never been provided. I only have access to what they publish online on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello Consumer Finance, I 'm not sure where to even begin! I have been battling with Equifax for the last few months and as of late I submitted a complaint against them. I 've had some fraud on my report and it been a complete nightmare for me. Since I travel I guess I 'm an easy target. AND now it almost seems like experience is retaliating against me in the form of negative reporting. I 'll give you my evidence and what happened and hopefully we can make some sense of it. There was an SST/SYNOVUS ( # XXXX ... ... ) & an XXXX ( # XXXX ) that were and haven {$0.00} balance for years.no balance owed nothing. I filed a complaint against Equifax about 2 weeks ago and as of yesterday morning. Those accounts mentioned both have a balance of $ XXXX. and was reported as a new charge-off and derogatory. ( according to the credit monitoring ). This has sent my credit into a tail spend and my stress and health are taking a toll. Please help me. Here is the attached screen shot showing the XXXX balance charge-offs for the exact amount and how they showed out of thin air. 

I 'm already fighting with someone using my social and now I have to fight a large company ... I do n't stand a chance. and I think they know that so they keep doing stuff like this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I spoke w/ the XXXX. I am working on traveling out to Washington to tell my story about all the years of pretender beneficiary " XXXX Bank '' and pretender lender loan servicer " Ocwen Loan Servicing '' fraud servicing abuse which has caused me serious health troubles which landed me hospitalized for months. I will hold Ocwen Loan Servicing and XXXX Bank fully responsible for all damages. Ocwen Loan Servicing and its robo-litigation puppet refuse to be honest and stop committing fraud against me, they all continue to harass me sending many fraudulent invoices using fraudulent trustee sales. Ocwen Loan Servicing litigation robo-start has been spinning and cherry picking responses to my many consumer complaints. Ocwen Loan Servicing employees can not stop themselves from committing fraud against Innocent victims, they have no control over mind control. CFPB seeking fines from Ocwen constentaly will continue until the end comes and Ocwen is permanently shut down and all its minions are brought to justice just like XXXX XXXX XXXX. Ocwen Loan Servicing and its litigation lawyers love crooked XXXX and all are scum of the earth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I obtained a loan through Exeter Finance Corporation on XXXX/XXXX/XXXX. The original principal was XXXX, APR 25.02 %, monthly payment of XXXX, due the XXXX of each month. Before making my first payment I created an online account. After making my first payment on XXXX/XXXX/XXXX, I was no longer able to log into my account and could only rely on the paper bill statements I received each month in the mail. I just gained access to my account yesterday ( XXXX/XXXX/XXXX ) after mentioning the consideration of filing a complaint with CFPB. The statement generated on XXXX/XXXX/XXXX stated a balance of XXXX ; however, when I was able to log onto my account yesterday, my balance was at XXXX ( this was before my payment for XXXX posted ). Today ( XXXX/XXXX/XXXX ), after my XXXX payment posted, my balance is now XXXX. While speaking with a manager in the customer service department today is was provided a verbal explanation of the allocation of my principal and interest, from each payment starting on XXXX/XXXX/XXXX, and is as follows : XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX, XXXX Principal:XXXX, Interest:XXXX. Total Interest paid to date:XXXX, total principal applied to date:XXXX. According to my calculations, XXXX should have been applied to the principal balance to date, additionally, I do not understand the amortization of the loan, as it is inconsistent. Once the customer service manager took a look at my account and tried to explain the discrepancy, she put me on hold, then came back on the line and said she was sending my account to a specialist to further evaluate it. Her actions made me feel as if she was trying to avoid any more contact with me during the call to protect the company, and give them time to cover up what they are doing. I am a compliance assessor for a mortgage lender, and work every day to make sure all consumers are treated fairly. Having experience in assessing files in the financial industry, i can tell when something is n't right. The customer service department does not willingly provide information, as if they are under pressure by senior management to keep their business practices quiet. Again, once I made them aware of my experience, and that i was going to file a complaint with the CFPB ; I gained access to my account online for the first time in 6 months ( after attempting to do so multiple times ), and my account balance changed 2 times in 2 days, once before payment was made and after once after payment was made but both changes occurred after the mention of CFPB. The corporate office is also impossible to get in touch with. I have left a voicemail at he corporate office and have yet to receive a response. If they are improperly allocating my funds, then they are doing it to other people as well. Exeter Finance Corp is located in XXXX, TX.

Company response to consumer: Closed with explanation