vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Both XXXX and Transunion failed to provide free credit reports and claimed technical difficulties.

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 non-monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Well Fargo input my loan as a $ XXXX/month payment. It made it nearly impossible for me to get a car loan as this made my income to debt ratio over 300 % ...

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 2015-05-01 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
I sent money to my wife in XXXX the sum of {$260.00} and paid a fee of {$10.00} and when my wife told me that she has changed her name from her family name to my family name ( XXXX, XXXX XXXX to XXXX, XXXX XXXX ), i called western union to change the name so she can receive the money but western union refused that unless they call me on my registered cell phone. I told them am XXXX, right now am with XXXX XXXX in XXXX and that my phone is not working, i told them am ready to provide any other form of identification but they refused unless they call me on cell phone, so i requested to cancel the transaction. Instead of them refunding me my total money of {$270.00}, they refunded me {$260.00}, saying that they will not refund me my fee, meanwhile they refused to change the name and also if i have to send another money i will be paying another fee, i request they issue me back my fee so i can send the money again. This is my wife, and my wife is right now without money and I being XXXX has to take care of my family, but western union is making it difficult for me to take care of my wife. I need my refund fee back

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I had a home loan with the lender New Penn who uses Shellpoint Mortgage to service their loans. The rates dropped so I also did a VA streamline IRRRL with them. Since I am rated a XXXX Veteran, in the state of GA I do n't pay property taxes. During the processing of my loan the underwriter added taxes to my escrow payments. I 'm not sure where the amounts came from as my County Tax Assessor Office had already provided me my estimated tax amount which stated {$0.00}. So I provided that infomation to my lender and the taxes were deleted and the loan was closed. However, when the loan servicer, Shellpoint, received my loan and established my account, it showed that I owed taxes for the year totalling almost {$2400.00}. Since the loan had recently closed two weeks prior, I contacted the lender for assistance. The lender basically verified they had not provided the tax figures to Shellpoint since the amounts were not calculated into my escrow account, but only showed as a collectable debt against my mortgage account. Therefore, I contacted Shellpoint inquiring about the tax amounts and provided them with the same tax estimate I received from my County Tax Assessors Office and recently provided to the loan underwriter showing my taxes were {$0.00}. Basically, they responded by stating they would check into the issue. However, they stated it was my responsibility to provide any military documentation to my tax office in such matters. They also went on to remind me that since my lender did not include the amounts owed in my escrow account, it is also my responsibility to ensure the debt is paid per the terms of my loan agreement ( or they would place my account in collections ). At this point in time I am clearly at a loss! So I contacted both my County and City tax offices to reconfirmed my VA XXXX tax exemption status and received copies of my tax statements both showing {$0.00} with {$0.00} due. I forwarded both statements to the lender, New Penn, and the servicer, Shellpoint, with no response. However, since then, my account now shows a reduced amount due for my County taxes but the same amount due for my City taxes totalling about {$720.00} due versus the previous {$2400.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank / Care Credit / XXXX XXXX XXXX. I filed a complaint against them for not complying with requesting a validation with a signature from my attached letter. Now after my dispute I get an alert from XXXX that the collection was put back on my reports with this in comments ( Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department / At least 120 days or more than XXXX payments past due Comments : Subscriber reports dispute resolved - consumer disagrees ). I am trying to fix my credit, and it as looking better, now this happened. Is there anything that you can do to fix this. I want to have Synchrony bank Care Credit and XXXX XXXX XXXX deleted from my credit reports totally.

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 — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
XXXX which is a branch of XXXX took over this debt in 2006 and because XXXX was not able to collect on the debt has now contacted Central Credit Services LLC to collect the debt that is too old to be on my credit file and was due to be taken off last year. Central Credit Services LLC is now contacting me to collect on the debt because XXXX has contacting them to get another collection agency on my report and to attempt to keep the debt alive. These unfair tactics and practices are in violation of law and want them both removed from my credit report and want the harassing mail to stop.

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 2017-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: NV

Complaint narrative:
Two things really, I do not deny owing this debt it originated from an employer issuing me a CPAP machine on a loan basis, upon resigning my options were to buy the machine outright for XXXX or return the machine. This company was XXXX by the way. I attempted to find out how to return the machine to XXXX but could n't get the right procedure and since I thought perhaps I needed it I would go ahead and pay the XXXX when I could, or try and reach out to XXXX to set up an arrangement. I receive some written communication from XXXX, perhaps 2-3 letters. Then I get a letter from a representative by the name of XXXX from Lockhart, Morris, and Montgomery collections. Upon talking for awhile, approximately 3 weeks ago maybe the XX/XX/2017 the balance was suddenly XXXX dollars and I could only make two payments in the amount of XXXX. If I understand the law right they can not " Mark up '' or " add a fee '' to collect this. My biggest thing with this case is that after speaking with XXXX XXXX, I was told I would have to sign a contract or promissory note to pay, and I would be emailed this letter. I never received the letter nor any further contact from XXXX XXXX. Today, XX/XX/2017 I was charged in the amount of XXXX overdrawing my account since I had not heard anything further from the firm, I figured either it would wait till next month or she would send me the document I needed to sign before she would charge me. So the law is fuzzy on this but if I am not mistaken, since I was told I had to sign before she could accept this agreement I should not have had money withdrawn essentially without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VI

Complaint narrative:
I applied for a re-fi loan with XXXX in XX/XX/XXXX. During closing I was told I would only have to have an escrow because my home was in a flood zone. We knew at the time the property was coming out of a flood zone, but the new mapping would not be finalized before I closed. In XX/XX/XXXX my home was removed from the flood zone and I forwarded the appropriate paperwork to Pennymac who was now the servicer of my loan.I received several communications back and forth since XX/XX/XXXX. Each time I was informed either via letter or by email on their site that the escrow would be deleted, then it would not because of my credit score ( my credit was never pulled ), then I would call and be told it was being deleted, then I received another letter that the property loan to value ratio was not met, then I would call and they would say it 's your credit score, I provided my actual credit scores and was told it would be deleted, then I 'd receive another letter saying the request was declined due to loan to value ratio ... .and back and forth. I have all letters and dates to this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
My name is XXXX XXXX. I need to complain about PennyMac because they denied my loan modification request for second time. I got a loan to purchase my home from PennyMac on XX/XX/XXXX. At that time I had no problem to pay my mortgage because my husband was XXXX and had good income to help me to pay my mortgage. But effects of economy crashes hit my husband business too and he lost everything. My husband went through XXXX and as a result left me and our XXXX years old daughter. I spent all of our saving to keep my home but my saving ended on XX/XX/XXXX ; it was when I applied for loan modification with Penny Mac. PennyMac denied my loan mod request and proceed the foreclosure. I borrowed money from friends and family to save my home. I am working 16 hours to pay my bills and mortgage but this does n't let me to spend time to raise my XXXX years daughter properly and the other hand after my XXXX XXXX years ago- and going through XXXX, my XXXX so bad that I can not spend so much time on my feet. PennyMac offered me to sell my home because there is some equity on it. I did n't agree with PennyMac offer because selling my home pushes me to rent a place. The rent would be higher than my mortgage and the other hand I will spend the equity of home toward the rent soon I will be out of home and money. I again appiedy for loan modification this year and PennyMac denied it again and said XXXX XXXX does n't accept the request because I am paying my payment every month. Reality, I am struggling with payment.I am working 16 hours a day and asking help from my family every month and I can not continue any more. Last year when I did re-instead my loan I was charge so much by PennyMac for legal and other fees which added to my debt. I have to be in default again to be able to request loan mod but I afraid because PennyMac will charge me another legal and other fees. I need some one help me to modify my loan and reduce my payment. I can not continue to work 16 hours with having a XXXX years old child and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
XXXX is reporting a collection debt from Louisiana Recovery in the amount of XXXX. I sent a certify letter on XX/XX/XXXX. I explain this is not by debt. I did n't have any XXXX. 
XXXX responded saying this is my debt. 
I sent a certify letter to the collection agency Louisiana Recovery Service, asking for a itemized bill with a breakdown of the services rendered. 
This letter was sent on XX/XX/XXXX. 
As of today, I have n't received any communication in regard to the services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have had this mortgage since XX/XX/XXXX. My rates have been as high as 14 % during this time.I have had struggles with the payments as a result of the economy and the drop in real estate sales over the past few years. The predatory rate that still exisits on my mortgage has not helped matters any. My rate is still XXXX or XXXX points above market rate right now after XXXX modifications. I owe almost as much as I borrowed XXXX years ago. This is even after they claim they charged off {$120000.00}, which is also unfair action, given that I have to file that on my taxes and pay almost {$30000.00} in taxes that I can not afford. It is obvious that Chase does not want to make my home affordable for me although I have paid extreme predatory rates for years now. In addition, my loan is illegal to begin with, as it was originated from an unlicensed lender. ( XXXX XXXX XXXX ), now out of business and no NC loan license. It has been sold to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EMC Mortgage and now Chase. Precedent has been established in NC that mortgage loans originating from unlicensed companies or even individuals are subject to cancellation by the state of NC. I have tried to do the right thing in not filing suit on those grounds. It is doubtful that this loan will pass the smell test for securitization. I have worked along with Chase to modify and make arramgements that have not been in my best interest financially, and keeps me in a bind. My payments have been as high as {$4500.00} per month. ( when had variable rate ). The most recent payment arrangement that was offered to me this week is a prime example. I am already financially challenged and Chase wants a $ XXXX downpayment and ober XXXX per month. I have done extensive repairs to my home and want to keep it. It still has foundation settling that XXXX XXXX estimated in XX/XX/XXXX for over {$30000.00}. It has since gotten worse and many of my doors will not close properly and the fireplace is separating from the wall. This impacts the value and safety of my home. The value that has been placed on my property during this modification process is inflated because no one has been inside or on the grounds to see the problems. I have been disqualified unjustly for a decent modification because of false information on the appraisal. The homes in my area are older, not energy efficient and stay on the market on an average of XXXX years or more. The comps used in the value are out of my comp zone. That could be deemed as fraudulent. I really need a reduction in my balance to match the real value and a rate concurrent to market or below since there are programs from the President to help homeowners. Otherwise, this loans needs to be litigated in court to prove it is illegal and that I have overpaid all these years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Last month I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email stated the " waiver '' I have been receiving is being removed.This concerns me since I am a XXXX with medical issues and limited resources My daughter had the same issue, filed a complaint and received a call back promptly and an email. I have now called and left voice mails numerous times since last week with no answer nor call back, The # of the XXXX employee XXXX assigned to my complaint is XXXX ext. XXXX and her voice mail is not clear so last name is not discernible. She called me one time and never sent me an email to communicate. Again I have been calling an entire week leaving messages. Please have someone call and email me back immediately to get this situation handled before my cycle date. I would like a 1 year waiver such as which was granted to my daughter.Everything was clearly stated on my complaint and so I am not sure if the XXXX employee no longer works there or just does not return calls. Please have someone else reliable contact me from the XXXX customer service as the # I was given by XXXX is not the same department that handled my daughters complaint nor in the same time zone.Thanking you for out attention to this matter.

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 non-monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I HAVE APPLIED FOR A HARDSHIP ASSISTANCE WITH MY SERVICER BANK OF AMERICA AND THEY HAVE DENIED ME STATING THAT THERE IS NO HARDSHIP. MY INVESTOR IS XXXX AND I HAVE GONE TO THEIR WEBSITE TO VIEW REASONS FOR HARDSHIP AND THE GUIDELINES TO SEE IF I CAN APPLY AND IT CLEARLY STATES INCOME REDUC : " Eligibility You may be able to modify your home loan under one of the programs we offer if all of the following apply : You 're experiencing a financial hardship, such as a reduction in income or an increase in your mortgage payment '' I HAVE APPLIED AND WAS DENIED DUE TO NO HARDSHIP, I REAPPLIED BECAUSE THAT IS NOT TRUE AND THE UNDERWRITER STATED THAT THEY WILL NOT REVIEW MY FILE BECAUSE I HAVE NO HARDSHIP. FIRST OF ALL BANK OF AMERICA IS ONLY MY SERVICER NOT MY INVESTOR, WHO DO THEY THINK THEY ARE TO TELL ME WHAT MY INVESTOR WILL OR WILL NOT DUE. SECOND MY INCOME IN XX/XX/XXXX WAS {$XXXX} " TAXES PROVIDED AS PROOF '' AND MY INCOME FOR XX/XX/XXXX WAS {$XXXX} " PROVIDED XXXX AS PROOF ''. IT IS AS CLEAR AS DAY THAT MY INCOME HAS DECREASED {$XXXX} FOR THE YEAR. THAT IS PROOF I AM EXPERIENCING A FINANCIAL HARDSHIP. HOW DARE BANK OF AMERICA TRY TO VICTIMIZE ME FOR ANY REASON, I WILL NOT GO DOWN QUIETLY AND LET BANK OF AMERICA BREAK LAWS.

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 2015-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I last physically used my card to travel from XXXX where my college is located to the XXXX on XXXX/XXXX/15, and since I was home I did not pay any mind to my card. To my knowledge it was in my bag, my mother drove me back to school and I was well occupied with my studies until the following friday morning I wanted to purchase something and my card was no where to be found. I called and the bank, Bank of America and they put a hold on my account, then I checked my bank statements and there has been irregular activities, and large amounts of money being deposited and withdrawed. I went to receive a new card at the bank, and soon after they closed my account due to fraud. I filed claims because there were a XXXX of dollars that were deposited and withdrawed that were never mine. I called costumer service for Bank of America and they told me I would be held responsible because the card was being used in the ATM, I am well aware that I am the only person that should know my pin but I did not make any of these transactions. I never authorized any of these transactions. There were also XXXX money orders that were deposited under my name and I have copies of these transactions mailed to my home. Since then I have been trying to resolve this problem with Bank of America and they have not been helping with the situation, they repeatedly just state that I am responsible to pay the negative balance on my account. Bank of America should be responsible for allowing these transactions because the money orders that were also deposited were for 22 cents and the person who is in possession of my card altered the amounts to XXXX of dollars.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been paying on a card for so long and wish to have it paid in full for less right now while I have saved some cash to pay it. I am XXXX years old and want to quit calling every month but BofA does n't care. I 've been able to pay it in full for less with other banks who relieve me of past interest payments of a few XXXX dollars. I am a widow of retired XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-07 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover card interest rates. 
I recently was laid off from my job of the last 7 years. The issue is with the fact that I contacted them and told them my situation. They were okay at XXXX but now they are demanding access to my checking account to make automatic withdrawals. I told them repeatedly that my income is only $ XXXX/week. They want all of it. I refused. After this, I took a look at the last 2.5 years of statements and saw that had only XXXX late charge ( XX/XX/2014 ), they never lowered my rate under 19.99 %. In XX/XX/2014 my rate was jacked up to the default of XXXX and never lowered. 
I also inquired about getting a refund on interest charges and they also refused.

Company response to consumer: Closed with explanation