vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
My husband and I have been trying to complete a loss mitigation package for months. The process started back in XXXX or XXXX. We have sent in several mitigation packages and tons of documents that were requested. We have been denied twice, due to the company saying that they did not receive all of the documents. Our most recent try was on XX/XX/2019. We sent a new packet, along with all of the requested documentation. The company would have received this on XX/XX/XXXX. When we called in to check the status, we were told we were still missing documents. My husband then spoke with a XXXX ( ext. XXXX ), whom told us that he found everything and would send it back to underwriting for further review. We receive a letter from the company, on XX/XX/2019, saying that they still need 3 months of bank statements, Year to date profit and loss statement, 30 days of most recent pay stubs. Since we just sent this information on XX/XX/XXXX, there isn't any recent information to provide to this company, as we provided the latest documents. It's obvious to us, that the company is giving us the run-around or the underwriting team is completely incompetent! As consumers, we feel that the possible loss of our home is not a concern for this company, while we have XXXX kids of whom we are trying to provide stability for. 

What's more puzzling is, around XX/XX/2019 we were told that our packet was complete and we would receive a decision within 30 days. Around the XXXX week of XXXX, we then were told that we had to complete a new packet. I am not certain of what is happening in this mortgage company, but we are getting nowhere in trying to get this mitigation completed. I am hoping that this complaint will reach someone in corporate, whom will see to it, that our file is properly reviewed and processed. We have been stressed for months and now with the holidays coming, this matter/this company has killed any idea of holiday spirit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/XXXX, I used PayPal to make a purchase to a vendor for the amount of {$74.00}. My account is set up to use my PayPal balance first, then my primary checking account with XXXX XXXX XXXX. Additionally, there was a defunct checking account with XXXX  XXXX XXXX  XXXX XXXX XXXX still linked to the PayPal that I had unsuccessfully tried deleting multiple times over the past year and it is explicitly NOT a default payment account. However, my primary bank account at the time apparently did not have adequate funding ( resulting in an initial {$30.00} over draft free with XXXX XXXX XXXX ) and it appeared the transaction was still processed. However, PayPal then charged the defunct XXXX  account at which point I called both PayPal and XXXX to attempt to get this sorted out as this was not an account that was in use. The XXXX account incurred an overdraft fee on XX/XX/XXXX ( attached image included ) and yet another one on XX/XX/XXXX for the exact same transaction. I had already notified PayPal of this error and notified the credit union, but both sides allowed the overdraft to continue and I was charged another {$28.00} on XX/XX/XXXX. All of my attempts to get this sorted through calling and email have been met with total unhelpfulness from either company. Neither party claimed they could do anything, but PayPal then provided a letter admitting their error but said the credit union would be responsible for voiding the fees. However, the credit unions representatives denied this and claimed it was PayPals responsibility. Since then Ive made multiple calls to each institution trying to resolve this to no avail ; PayPal hides behind overseas call centers with supposed supervisors claiming everything is automatic and theyre not responsible despite bringing this issue to their attention before the transactions should have even proceeded. I want this resolved immediately with a representative with the authority to do something that isnt in an overseas call center with no accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX showed up on my report. I was puzzled when I saw that it was from XXXX  XXXX   Hospital as I have no children and have no knowledge of owing a XXXX hospital any money since Im not a child. I believe that this is unfair reporting under FCRA. I am still puzzled as to how someone acquired my ss # to charge me for a child medical bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX showed up on my report. I was puzzled when I saw that it was from XXXX  XXXX   Hospital as I have no children and have no knowledge of owing a XXXX  hospital any money since Im not a child. I believe that this is unfair reporting under FCRA. I am still puzzled as to how someone acquired my ss # to charge me for a child medical bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
When I opened my XXXX  XXXX credit card back in 2016, Bank of America set up my account in such a way that I did not have administrative access to all of my authorized users. Whenever I would make a payment to the corporate account, the payment would appear as a credit on my personal card, and would not apply to my authorized user 's outstanding balance. This caused my authorized account to accrue late fees and interest. When I asked customer service how to resolve the problem, they told me that I had to make separate payments to the authorized user 's card and did not advise me on how to create an online profile that allowed me to access and pay each card 's bill. This frustrating experience led me to curtail usage of my BoA business card. 

In this year, my online access was locked unexpectedly in XXXX. I called the customer support number provided on the website but was never able to get through to an agent. Since my account had a {$0.00} balance, I decided not to pursue the problem any further. However, when my annual fee was charged, I was unable to log in to pay the bill or cancel the card. Although the annual fee was the only charge on the card, my account was marked as delinquent for nonpayment. I called and paid the annual fee and requested that the account be credited for the fees, due to the IT issues and the fact that the only outstanding balance was the annual fee itself. Now one week later, I received a call that my personal and business accounts are being closed because of a late annual fee payment. 

Based on my poor experience with Bank of America 's business products and IT,  my personal account is being affected. I am requesting that the business and personal accounts be marked as customer-closed due to Bank of America 's poor treatment of a customer who otherwise has a 800+ credit score and no derogatory marks on my account. I personally regret not closing the accounts myself since I moved all of my business spending to a friendlier bank and am suffering at the hands of a dormant account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I opened a PNC Bank checking account ( Virtual Wallet with Performance Select ) on XX/XX/2019, using an online offer on the PNC Bank website for a {$300.00} account opening bonus. The terms of the offer were to establish a direct deposit of {$5000.00} to the new account and to make at least 10 debit card purchases. 

I completed the terms of the offer in early XXXX and was assured by PNC Bank customer service representatives on multiple occasions that I had met all of the offer requirements and would be receiving the {$300.00} account opening bonus within 60 days. 

On XX/XX/2019, I called PNC Bank again because I still had not received the {$300.00} bonus. The agent assured me that I had met all the requirements and was going to escalate the matter so the bank could manually deposit the {$300.00} bonus. A PNC Bank representative from the escalation department then called me on XX/XX/2019, to say that I did not qualify for the {$300.00} bonus even though I had fulfilled all the requirements, to include direct depositing {$5000.00} to the account on several occasions. 

I am deeply concerned by the false marketing offer that enticed a customer like me to open a PNC Bank checking account for a {$300.00} bonus that the bank did not intend to pay out. These types of practices are fraudulent, need to be stopped, and ultimately harm all consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: VA

Complaint narrative:
This company keeps calling me saying that they have not received my last two payments. I have talked to them many times and have emailed them copies of the cancelled checks with their stamp and bank account # on the back. I have never been late with a payment but this company takes forever to process a payment. It is the only company in the world that doesn't take on line bill payments. You can pay online with a check but it is through third party companies. I would be shocked if this wasn't a XXXX   XXXX  for XXXX  XXXX, except that they don't seem smart enough. 
See attached checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
I graduated from the University of XXXX with a XXXX degree in XX/XX/XXXX and a XXXX degree in XX/XX/XXXX. During this time I incurred student loan debt. 

In XX/XX/XXXX I earned my XXXX XXXX in the XXXX XXXX and I am currently still serving on XXXX XXXX. 

Towards the end of XX/XX/XXXX I began paying my student loan debt and I have been paying for my student loan debt sin

ce XX/XX/XXXX. Late XX/XX/XXXX - early XX/XX/XXXX I applied for Public Service Loan Forgiveness ( PSLF ) program through FedLoanServicing. I did not get a denial letter. However the FedLoanServcing Agent told me that I was not eligible for loan forgiveness because I consolidated my student loan. 

I do not understand why I am not eligible for PSLF, simply because I consolidated my loan in order to afford paying for my loan. Otherwise, I am eligible for the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I unfortunately underwent a series of financial hardships and when I called the student loan servicer to lower my monthly payments I was instead offered a forbearance which I agreed to not fully understanding that by doing so I will incur over {$200000.00} in additional debt to my already over {$200000.00} in student loans which I obtained in order to be able to attend loan school. I am currently experiencing extreme hardship as I have run out forbearance options and will spend the rest of my life repaying these student loans of over {$450000.00} while not being able to afford to purchase a home for myself and save for my children 's college and other expenses and come up unexpectedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I applied for a no fee credit card in XXXX. In XXXX i realized i had been charged a yearly fee and called American Express ( Amex ). They said they would change it to the no fee card. A few weeks ago i saw another yearly fee and realized they have been charging me since XXXX. When I online chatted with XXXX, an Amex associate today, I was told I would have to be issued different cards and be " downgraded '' to the no fee card. Apparently, Amex issued me a card I did not apply for ( the yearly fee card ). And, when i asked this to be fixed in XXXX ( the phone call at that time was recorded ), it was never fixed. Correct me if i'm wrong, but i believe that it is illegal for a credit card company to issue a card different from the one you applied for, without your consent.. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
My loan was serviced and modified by Rushmore in early XXXX. Prior to that from XXXX-XXXX, Rushmore force placed a hazard, flood, flood-gap insurance policy claiming that the condo master insurance policy I submitted was insufficient. The insurance premiums were excessive and amount of coverage was excessive. My loan was transferred to XXXX XXXX  last month and they informed me that was policy was not mandated by my loan provider and was improperly assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I Spoke with pnc chat on tuesday XX/XX/XXXX And was told my checking Account could not be closed because of a Outstanding balance i was told to contact the collections department. and i spoke to XXXX  from the collections department And she had stated that What was said in the chat is incorrect that the account Can not be closed because of Ongoing disputes on the account and the Overdraft im on ssi XXXX and already switched banks and do not have the money to cover this i would like the account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX, through its counsel, XXXX and XXXX, is illegally foreclosing on my home. The deed of trust was not properly notarized because my ex husband did not sign it in the presence of a notary and his signature was not acknowledged. See Murray v. Wells Fargo Home Mortgage, 953 And 308, 318 The notary acknowledged himself and not the borrower. The document is dated XX/XX/2006 but was signed on XX/XX/2006. The document was signed at XXXX XXXX XXXX XXXX in Washington DC. It is notarized by a Maryland notary who was not present. 
The settlement was scheduled for XX/XX/2006 but the documents were brought to the XXXX XXXX address on XX/XX/2006 by two women and Mr. XXXX signed them while under the influence of alcohol. There is a stamp stating XX/XX/2006 in the lower right corner. 
Mr. XXXX was not in Maryland on XX/XX/2006 nor on XX/XX/2006. 
There is title insurance which was originally with XXXX XXXX XXXX XXXX XXXX which was bought by XXXX XXXX XXXX XXXX XXXX. I have begun the claim process with them. 
Wilmington Savings Fund Society chooses to illegally foreclose rather than to resort to lawful methods.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I had a checking account with Huntington Bank. I also had a Huntington credit card. The card was set to autopay the minimum amount. In XX/XX/2019, instead of the minimum amount, the card auto-paid the full statement balance ( about {$300.00} ) out of my checking account, which left my account overdrawn. The card then put a cash advance into my checking account for to bring the account back to XXXX  ( to avoid the {$30.00} overdraft fee ). I called Huntington 's  customer service and they confirmed that this was an error. At that time, I asked for the card to be unlinked from my checking account so that it would no longer cover overdraft fees with cash advances. The CS agent reversed the incorrect payment, but it took 3-5 business days for the money to get back into my account. During this time, another cash advance was posted from the credit card to my account ( again, to bring the balance to XXXX  because of the money that was incorrectly taken from my checking account ). 

The same thing happened in XXXX, but now the credit card balance was around {$750.00} due to the cash advances. Although I had cancelled the auto-pay, the card auto-paid itself the entire {$750.00} balance out of my checking account, again leaving me overdrawn, and then proceeded to add more cash advances from the card to bring my checking account back to XXXX  while I waited 5 business days for my money to be returned to my checking account. 

I called customer service a number of times and was told that I " spent '' the money that was added to my checking account, so the credit card charges were valid. I did not. The cash advances brought my account out of a negative balance. 

I spoke with a representative in a bank branch who confirmed that the cash advances should not have been posted from the credit card to my checking account. 

When I finally managed to reach a manager at Huntington customer service, he was extremely unhelpful and insisted that I owe the money that was incorrectly posted to the account from the credit card. He refused to give me his name, and when I asked if I could access recordings of my customer service phone calls, he told me that " calls with managers don't need to be recorded. '' I did record our conversation myself, which I informed him. 

To date, there is no resolution on this. My actual balance on the credit card should be around {$300.00} and is currently {$1400.00}. 

Note that the date on the checking account statement attached is XX/XX/2019. At this point, I had requested several times that my credit card be unlinked from my checking account, but this change had not occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a victim of identity theft. I have been in contact with all major bureaus letting them know that a bankruptcy that appears on my credit file does not belong to me. Two of which have respected my wished and removed the bankruptcy from reporting. However, Equifax and XXXX have not. I have sent in paperwork multiple times with proof that the bankruptcy does not belong to me ; I have filed an FTC report and specifically stated for the information to be " blocked off my credit report file pursuant to section 605B of the FCRA, '' to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I value my relationship with the bank this is not a complaint against capital one. I went on XXXX to hair dresser after they promised me they would honor XXXX dollars for color. they did not keep that promise. I tried to explain this on my time to dispute supervisor. I said initially i want to dispute the XXXX dollars. they ripped me off. Of course they will differ but i know what happened. i was going to get a groupon for XXXX they said we will honor the price they do that to get more money so i avoid groupon. in the end they overcharged me. In addition on Monday XXXX i started feeling pain in my XXXX  XXXX  sure enough i have a XXXX  XXXX XXXX i am still recovering from. i emailed them as likely it was from water being left in my ear which likely occured there. No response from them. I now wish to dispute the entire XXXX dollars. I hope this is clear I also sent back dispute papers to back all up this is for card ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS is a collection agency for XXXX. XXXX claimed I owed them XXXX for a phone I never received. However i found out they delivered the phone to the wrong address. Yet they still have this on my credit report. I have asked them multiple times to remove this. Yet they still refuse and continues impact my credit score. This is wrong and I want this company to remove all information and derogatory penalties they have placed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I currently have a XXXX XXXX American Express card that is assessing me a {$450.00} annual fee with a {$1000.00} credit limit. The annual fee is 45 % of the credit limit, therefore a violation of the credit card act of 2009 that requires fee 's not exceed 25 % of a cards limit in the first year.

Company response to consumer: Closed with explanation