vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
About 2 years ago I took a certificate of deposit which I found in my Mother 's possessions to Wells Fargo Bank in XXXX to one XXXX XXXX. <P/>He photo copied the certificate and send to their unclaimed properties division, wherever that is. <P/>After 3 weeks and no communication, XXXX XXXX said they could not find it and more than likely it was gone. <P/>Since then, I see on the Internet, that many people had the same problem as me with no satisfaction of where the money is.

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 2017-07-12 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: GREAT LAKES
State: NY

Complaint narrative:
I tried to pay my student loan in full with Great Lakes on the due date of XX/XX/XXXX in the amount of {$13000.00} by phone. The phone payment computer was not working and it finally took my payment on XX/XX/XXXX using an agent. Instead of a XXXX -XXXX- balance, I am being billed for a {$51.00} balance plus interest since XX/XX/XXXX. Great Lakes is only posting my payment in full ( {$13000.00} ) as am " Amount Paid Ahead '' causing me to incur interest. The customer service representative told me that I must still pay daily interest even though I paid in full. This disputed balance is being reported on my credit report. The technical difficulty in accepting payment was caused by Great Lakes. It is outrageous for someone to have their credit crippled due to Great Lakes error. Especially with the payment of {$13000.00} in one lump sum having been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX

Complaint narrative:
I called XXXX to dispute all the information on my name. I was told they can not dispute those because I was not affected. I have spoken with XXXX and i was told that I will not be charged with nothing on my name. Well that was a lie. I spoke with XXXX XXXX and they said that I will not charged because I returned all my rented items back to them. I did not keep them. Never heard any thing else from them. When I went to the hospital I had XXXX. I was insuranced. So I was not aware that I woyld have a balance. XXXX never walked with me to inspect the apartment I lived in together. The lady had went into the apartment without me. When I called her to tell her I will be there after class she had already went into the office and locked the office around XXXX. Well, that is not what time they close up. They never sent me a final bill to my new address. I received a bill from a bill collector and I dispute. I have never heard anything from the dispute. So company policies were not keep.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ERC
State: TX

Complaint narrative:
I called XXXX to dispute all the information on my name. I was told they can not dispute those because I was not affected. I have spoken with XXXX and i was told that I will not be charged with nothing on my name. Well that was a lie. I spoke with XXXX XXXX and they said that I will not charged because I returned all my rented items back to them. I did not keep them. Never heard any thing else from them. When I went to the hospital I had XXXX. I was insuranced. So I was not aware that I woyld have a balance. XXXX never walked with me to inspect the apartment I lived in together. The lady had went into the apartment without me. When I called her to tell her I will be there after class she had already went into the office and locked the office around XXXX. Well, that is not what time they close up. They never sent me a final bill to my new address. I received a bill from a bill collector and I dispute. I have never heard anything from the dispute. So company policies were not keep.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
XXXX XXXX here ... <P/>I noticed the suit in process for TCF BANK who I 've used for 3-4 years now as my personal bank. Due to actions that reduced my income dramatically and right b-4 my discharge from My job I had gave up all my savings to help my XXXX year old brother with major hospital expenses and his personal bills etc a few years back.Then about 7 months pass and my XXXX yr old grandmother XXXX her XXXX. That completely drained me and I 've been financially drained because of this I have had several overdraft fees ( definitely more than their avg clients ) a rather large amount of overdraft fees. Here 's my problem mainly. They would honor a payment to a company I owe if I was short in my account, charge me the {$37.00} overdraft fee sometimes more than once and then they would kick or take back the payment they honored from that company ( adding more fees and problems ) and STILL CHARGE ME ALL THOSE FEES.. Never reversing them! Not even after reversing the payment they honored then after a few days took back!!! It 's embarrassing but life was much better before TCF. I believe I have a place in that case based on that. Can You let me know? TY ... XXXX XXXX XXXX ... .XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GOLD STAR MORTGAGE FINANCIAL
State: MI

Complaint narrative:
Summary : I several times applied for the PMI cancellation, strictly following the procedure described in the closing documents, however, the Gold Star Mortgage Financial Group, XXXX XXXX MI, did not even respond my letters. <P/>1. I closed purchasing the house on XXXX XXXX XXXX. The property price was {$120000.00}. The conventional mortgage for {$110000.00} ( which is 95 % CLTV ) had been provided by the Gold Star Mortgage Financial Group, Inc. <P/>2. Upon received the closing disclosure on XXXX XXXX XXXX I found that the PMI monthly payments had been suddenly and significantly elevated compared with the figures disclosed before. My objections were ignored. <P/>3. To avoid paying this elevated PMI, I chose to prepay {$18000.00}, to reduce the principal lien to {$100000.00} and accordingly the CLTV to 80 %. To achieve this, on XXXX XXXX I sent a letter to the Lender with a check for {$8800.00} and informed them that on XXXX XXXX XXXX I would send them another check for {$9900.00} and requested to cancel mortgage insurance. The Mortgage Insurance disclosure signed at closing explicitly claimed my right to demand the PMI cancellation once the principal debt ( $ XXXX $ XXXX $ XXXX {$100000.00} ) reduces to 80 % of the original purchase price ( $ XXXX*80 % = {$100000.00} ), which occurred prior to XXXX XXXX XXXX. <P/>4. The Lender did not address my request, they even did not clear checks for a while. On XXXX XXXX I sent another letter, reminding about my right to partially prepay the principal with no penalty. After this the checks were cleared, however, there was no motion with the PMI cancellation. Upon my visit to the Lender 's office, on XXXX XXXX I sent a third letter to the Lender, to emphasize that their position and a wish not to do anything with the PMI directly contradicts to the closing documents. However, still there is no motion about the the PMI cancellation. <P/>I am attaching only my letters to the Gold Star Mortgage Financial Group. The closing documents look standard, however, can be sent upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have notified Equifax twice that the inquiries that are on my credit report are fraudulent inquiries that were not authorized. I have sent several letters to Equifax by certified mail, yet the inaccurate information, remains on my credit report. These inquiries add a hardship and my rights were violated by Equifax. I ask that CFPB help me make Equifax stop victimize me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XXXX XXXX XXXX, I attempted to withdraw money from my checking account at an ATM while I was out of town on vacation. The ATM rejected the transaction due to " Invalid PIN. '' I was concerned by this as I had not changed my PIN, and I was, as I still am, sure that it was being used correctly. I quickly looked into my banking records and did not see any suspicious activity or anything else to make me feel concern about the account status. <P/>I called Wells Fargo phone banking. As part of the identification process, the PIN is required. I was again notified of an invalid PIN. I spoke with a banker to inquire as to when my PIN was last changed or any other information that might help resolve the situation. This information was not available and the phone representative was unable to do anything to help me gain access to my accounts thru an ATM other than requesting a new PIN be mailed to my home address. This was not a timely solution. As a result of my inability to access my funds at an ATM, I used a cash advance service, which charged fees in excess of what I would have paid at an ATM, so I could access my funds in a timely manner. <P/>Once I returned to my home, I visited the my branch location on XXXX XXXX XXXX. I first visited the branch ATM where I was able to access my accounts and make a withdrawal with no issues using the same PIN as the day before. I then spoke to a banker about my concerns and what had happened. She asked me to swipe my ATM card at her station ( desk ) and validate my PIN ; her system notified that an invalid PIN had been entered. ( Please note that the same PIN has been used in all instances referenced here. ) After a number of conversations with different people in the branch and on the phone, the representative and Wells Fargo were thoroughly confused as to what had happened and why my PIN would be accepted in one instance but not another. The best they could tell me is that is was some kind of system glitch occurring and that I would need to reprogram my PIN in order to correct it for future use. <P/>I requested that the excessive fees that I was charged as a result of not being able to access my account at an ATM be refunded as these charges were a result of Wells Fargo " system glitches '' and would not have been incurred had I been able to access my accounts without issue. The total fees incurred as a result of these glitches is {$88.00}. <P/>The branch manager on duty ( XXXX XXXX ) refused to reimburse for these charged fees. In doing so, he cited that the fees originated at a casino and although the Wells Fargo system did not work as it should have, he was unwilling to assist because of what the funds were likely to be used to do based on the location of the withdrawal.

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 2017-07-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GREAT LAKES
State: NH

Complaint narrative:
The complaint deals with XXXX XXXX XXXX, a company who claimed they were the Department of Education when I called for student debt relief. <P/>I went on XXXX to search Great Lakes Customer Service to see if I could get relief for my loans in XXXX since I was unable to afford payments. The number of XXXX XXXX XXXX was listed first and listed under Great Lakes Customer Service. Originally was told XXXX was the Department of Education Was told in XX/XX/XXXX I would not need to pay any money and be on income based repayment Received consolidation form ( apparently I need to consolidate before going to income based repayment ) Two payments of XXXX and another payment of XXXX was pulled from my XXXX XXXX XXXX checking account. XX/XX/XXXX got an email from Great Lakes saying I owed the full amount for loans XX/XX/XXXX, applied for Income Based Repayment myself Attempted to reach XXXX for weeks - no answer XX/XX/XXXX Attempted to email XXXX XXXX XXXX and was refused, they were not accepting any emails to that inbox Submitted a complaint on their site, and finally got a phone call Finally got someone on the phone Said they consolidated The only way to get income-based is to consolidate They told me that in XXXX, the amount I owed Great Lakes was only interest XX/XX/XXXX Spoke to XXXX from Great Lakes No consolidation is needed to qualify for Income Based Repayment Full amount owed - not interest Spoke to XXXX from Great Lakes Consolidation was part of Income Based Repayment, though unnecessary. Great Lakes received Income Base Repayment form in XXXX filled out consolidation and income I filled out in XXXX XXXX XXXX XXXX XXXX XXXX ( where the money was taken from ) Disputed the charges since it was difficult to get ahold of them and what I paid for was n't done. <P/>XX/XX/XXXX Called XXXX for follow up XX/XX/XXXX Received call from XXXX, reason of complaint was never filed Unsure if file made it to supervisor Said if I filed charge through the bank, there was nothing they could do Told me I should be thankful for their help. ( " You did n't go into debt because of our program, you went into debt because you took out a loan for XXXX XXXX XXXX dollars ) Was unwilling to listen to my arguments, interupted every time I tried to explain my problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are showing a {$1600.00} balance from XXXX Magistrate Court owed to XXXX XXXX in the public records section. The filing dates listed on the record vary between bureaus. XXXX lists the filing date asXX/XX/XXXX while Transunion lists the filing date asXX/XX/XXXX.
<P/>Aside from the varying dates listed, I do not understand why this judgment is showing up in its current state. Under O.C.G.A. 44-7-52., : ( a ) Except as provided in subsection ( c ) of this Code section, in an action for nonpayment of rent, the tenant shall be allowed to tender to the landlord, within seven days of the day the tenant was served with the summons pursuant to Code Section 44-7-51, all rents allegedly owed plus the cost of the dispossessory warrant. *Such a tender shall be a complete defense to the action ; * provided, however, that a landlord is required to accept such a tender from any individual tenant after the issuance of a dispossessory summons only once in any 12 month period. <P/>In this case, my former landlord did file a dispossessory against me, but it never proceeded to eviction. After our court appearance, the landlord and I actually made amends. He would corroborate this information. <P/>My landlord agreed to let me out of my lease, I tendered the outstanding rent + court costs, and even ended up receiving a check *back* from the landlord from the deposit I paid before moving in. I also believe his new tenants moved in the day after I was gone. In fact, a few months later we met again regarding me doing some XXXX and XXXX XXXX work for one of his other companies ( XXXX XXXX XXXX ). <P/>Judging by the appearance of this record on my credit reports, it looks like I skipped out on paying my landlord which is not the case. On the reports, there are 3 bullets for which nothing is listed. Those are : Date Verified Status Date Satisfied I am sure the bureaus scoring algorithm is proprietary, but my credit scores are not my main concern. Due to the blanks next to the aforementioned bullets, the appearance to potential future *employers*, landlords, creditors, or lenders is that this debt was never paid.

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 2017-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA

Complaint narrative:
Today X/XX/2017 at approximately XXXX XXXX I was called by what I was told was the " Bureau of collections of Maryland '' attempting to collect a debt from XXXX XXXX. They notified me that the call was being recorded. They stated that I owed around XXXX to XXXX XXXX and wanted to " update '' my information and get this amount taken care of. At this time I stated that I do not not have the funds available and since I am working right now I requested that they call me back later on in the day. She then asked " why did you answer the phone then if your at work? '' At this point I stated " because I have been being called and harassed regularly by this phone number for the past few days, and the calls ONLY come during my work hours '' at this time I stated again " can you please call me back later today I am at work '' she said " I 'll give you my information so you know exactly who your talking to and what amounts we are talking about '' I said " okay. '' Out of nowhere another RUDE and demanding voice comes on the phone demanding to know why I even answered my phone if I was at work, and I explained AGAIN that I was being harassed by this number. She told me they had called me yesterday X/XX/2017 and that I had answered and said " who is this '' and when I found out it was them I hung up. THIS WAS A LIE!!!! I have never spoken to this company prior to today, and if I had, why would I answer at work KNOWING it was them? Paying ANY debt to this company now concerns me because if they are willing to lie about something so trivial why would I trust them with money/ bank information and any debt resolution? She then stated that " I have no more time on this matter and if I do n't pay half right now they will just report it to the credit bureau. '' I again told her " No I will not being doing that today. '' Her reply was " Fine well just report this to your credit '' and then hung up on me. All I wanted was to not be harassed at work and instead got this rude phone call from a debt collection agency that refused to work with me, demanded money I do n't have, and offered no help in resolving this matter. I refuse to be harassed at work! I will be doing more research on the Fair Debt Collection Practices Act. No one deserves to receive harassing phone calls like this, especially not people who are trying their best to make ends meet for their family and fall short on a bill or two here and there.

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 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
Was in the middle of loan Mod when separated from husband and did n't find out that loan Mod was denied due to lack of documents submitted. I was not notified it was going back to foreclosure or that it was set for sheriffs sale on XX/XX/XXXX. I found out first week of XX/XX/XXXX from a neighbor. I called Nationstar and they said it was too late to do anything because was less than 30 days to sale. I asked them to send me the loan Docs they were using to foreclose because I never signed the loan. My husband did as my POA but I never signed a POA for him to be able to do that. They said there were too many pages in my loan ( which was a sub prime loan with a variable interest rate done in XX/XX/XXXX ) to send me those documents. The property was titled in an LLC ( XXXX XXXX ) which went bankrupt in XX/XX/XXXX. The loan note however was only in my name. They sold my home at sheriffs sale XX/XX/XXXX for {$220000.00}. I owed only {$210000.00}. according to Nationstar. It appraised at {$200000.00}. I have a child only a year off XXXX recovering from XXXX XXXX and I 'm losing sleep worrying about this and why I have n't been notified of the sale or why they will not return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: DISCOVER BANK
State: AL

Complaint narrative:
My husband and I are in the process of doing a refinance on our home and have been placed on hold because they found an account that should not have been on our credit report from Discover Card we have not had a Discover card in almost 10 yrs and we were unaware of any problems until now we never received any billing statements I also have been keeping track of our credit report for several years and discover card was never on there until now and we did a refinance on our home back in 2015 and it was n't there then either I feel as if I am being ripped off and I can not believe such a large company feels the need to lie and steel from low income familys

Company response to consumer: Closed with explanation