vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I have a wells fargo account. They are always putting the transaction between 2-3 says after the purchases or payments. For example every week they are supposed to post my car payment, at the beginning they put they payment the fridays, now it not appears in my account until Tuesday. The same with my cellphone bill, at the moment of the payment they post it in the account, an hour later is gone and again it takes 2-3 days to post it. I 'm always cheking my account to avoid negative balances, but I know that they can do better posting transaction faster. This kind of behavior affects my account sometimes with fees or insufficient balances wich is not fair. I dont think I 'll need to keep an eye in my account all days to avoid that kinds of fees or negatives. The fee thing just happens once and they give me back the money because was my 1st one, but I do n't want to wait to another one so they dont give me back that one.

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 2017-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC
State: NV

Complaint narrative:
XXXX XXXX 2017 i have see it on my credit report, prestige financial was report me as repossession, even though i was sold to the XXXX XXXX, if they wasnt take the deal, XXXX XXXX would return the car for me, but XXXX XXXX has never contact me about the car need to return, and prestige was just deal with them without my permission, or place me on repossession. which is unacceptable. if the XXXX XXXX call to come and get the car back i would went to pick up the car with them, without XXXX XXXX call i cant do anything since i have sold the car to them. i want them to remove the repo off my credit since it 's not my fault. they both deal with each other without letting me know that they are processing to repo. sold the car but repossession on the credit report without knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My husband and I have had an XXXX XXXX XXXX XXXX for 9 years and have never had an experience like this. We are 2 hard working honest people and not use to dealing with criminals. Some bad people are using stolen credit cards and purchasing products from our company, and had the products shipped to an address in XXXX XXXX, FL that turns out to be a freight forwarding company. The credit cards used are stolen and the owners are not aware of the use till its to late. Orders for our merchandise are processed by Pay Pal. We collect the name, address, phone number, credit card number, CVV number for each transaction and the information is processed by the card holders bank and approved back to PayPal. They approved the purchases in question ( approximately {$6000.00} ) and Pay Pal sends us an OK to ship the products. We then send order information to our suppliers who ship the products to the purchaser. After a few weeks, the REAL Owner of the credit card files a complaint with Pay Pal saying they did not order the product. WHEN THIS IS DISCOVERED A CHARGE-BACK TO US IS INITIATED BY PAY PAL AND THE MONEY IS TAKEN FROM OUR ACCOUNT. The bottom line, is that the Bad People got the products and we had to pay the bill to our suppliers. The products sent to the freight forward company are forwarded on to another address, most likely off shore where the Bad People are picking up the products. The card holder bank that approved the transaction is holding us responsible for the full amount, even though they approved the card with a fake name on the card, different address than the owner of the card. They should have responsibility in this as well, they approved the purchase. We filed a complaint with the FBI and the XXXX County Sheriff ( File # XXXX ) two weeks ago. Got a return call from them saying that the freight forwarding company is a legitimate company and because of that they ca n't ( or wo n't ) do any more. They recommend if we get any more we email the freight forward company and give them the name and they will close that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient claims that I have loans owed to them through University XXXX XXXX XXXX in 2007, which is false and I have all the documents that support that I never used FA for University XXXX XXXX XXXX it was through my work, and I attended that school way after that year. When I sent a letter to them explaining the incorrect information. They still sent another letter saying that this is for University XXXX XXXX XXXX. After numerous attempts to resolve this false claim, they sent notification that it was University XXXX XXXX. This lender has no idea what they are doing and are not even sure which school I went to. They have my balance at over {$32000.00} now, but I am not even sure this is true. When I called the first time, the representative had no idea what school and she was unable to answer me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was pre-qualified with the Illinois Hardest Hit program on XX/XX/XXXX, but in order to fully qualify for their program of which they were willing to pay {$35000.00} of my arrears, in addition to ( 4 ) future months of mortgage payments @ {$1000.00} ( TO BRING MY MORTGAGE CURRENT ), due to the lenders fees being in excess of what would qualify me for the program, I requested for the lender to waive or reduce their attorney fees of {$4400.00} as of XX/XX/XXXX, in order for me to qualify, since Illinois Hardest Hit Program does not allow homeowners to pay any fees to offset overages. <P/>In summary, I received a letter from a XXXX XXXX at Wells Fargo on XX/XX/XXXX stating that they were not able to waive or reduce their fees. With no further explanation being given. <P/>I am filing this complaint as this is extremely malicious behavior from the lender Wells Fargo, NA to intentionally not reduce their " inflated '' unrealistic attorney fees, and choose not to receive an immediate payout of {$39000.00} ( {$35000.00} to resolve the arrears, plus an additional ( {$4300.00} for ( 4 ) future monthly mortgage payments ), yet instead making a corrupt choice to choose to leave a homeowner, who has the immediate means to resolve her Mortgage Foreclosure arrears, be denied a logical resolution, and cause a homeowner to run the risk of losing their home. This is totally unacceptable behavior and it is illegal that this lender is allowed to get away with this type of MALICIOUS unlawful practice!!! <P/>There are many homeowners like myself who are working diligently to try and save their homes from foreclosure, and this lender has a normal practice of denying loan modifications, wasting precious time, playing the " I did n't receive those documents '' game, even when a homeowner has had those requested documents notarized by a legal entity, causing further hardships to occur for homeowners. It is very apparent that this lender is not willing to assist homeowners, and in my case they have laid it out in black and white, that they would be willing to try and foreclosure on my home, choosing to not waive {$4400.00}, than to accept {$39000.00} to resolve all of my Arrears and bring them to {$0.00} on the property. Who does that??? <P/>Thank you for pausing your day to allow me to file this COMPLAINT, and I will continue to seek justice against this unjust corrupt corporation, and I will also help as many individuals as I can to fight against this corrupt lender Wells Fargo, NA.

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 2017-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was trying to settle the debt/make a deal, and MidLand Credit Management refused to take the dispute issues, alerts off the report. They know this is for a purpose of a mortgage, and so this is therefore sabotage. I ca n't even settle the debt. They are n't going to remove anything, knowing that this needs to be done for purpose of buying a home. These are foreigners who hate my American guts, and will do anything they can to make my life miserable and difficult. in other words, they refused to be helpful in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank is failing to send updated transaction information to the company XXXX so that I may receive money for the hours I have worked in the week. Failing to do so is causing the bank to send me a fee for not having money in my account, but if they sent the info like they are supposed to, I would n't be charged the fee. They are essentially stealing from me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My account Balance on XXXX is Low .. said connect to my banks to fix the problem

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 2017-06-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently closed on a HAMP loan for my 1st mortgage with XXXX XXXX. I submitted an 2mp loan modification with Citimortgage in 2016 for my 2nd loan. Citibank has denied my request for the 2mp program because they were not notified that my 2nd loan qualified for the 2mp program. The have said there is no way for them to give me a 2mp modification without the notification. I believe the notification they need comes from the XXXX XXXX matching system which is used by Hamp loan servicers. I also believe the system allows servicers the ability to match 2nd mortgages to a hamp modified 1st mortgage. Thus allowing them to modify my loan. I do not believe an proper attempt has been made by Citimortage to assist me with my 2mp loan and would like an explanation why citimortgage does not follow the Hamp servicers guide and assist me with my loan.

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 2017-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi, I opened an account with Regions Bank around XXXX XXXX, XXXX. They were running a promo for new checking accounts with the code XXXX. This promo stipulated that 10 XXXX check card purchases needed to be done within 60 days of account opening, as well as enrolling in online statements. Once both were performed, the owner of the account would receive a {$400.00} bonus from Regions. I enrolled and committed the purchases by XXXX XXXX, XXXX. Regions decided to close my account without any notification shortly after that. I did n't receive the bonus and I did n't even receive any information whatsoever as to my account closing unilaterally by them.

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 2017-06-23 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am filing a legal suit against Experian and XXXX because they dumped my credit record after a period of no activity, then improperly restored records with a " reported date '' that negatively affected my ability to qualify for a conventional mortgage loan. I need to know how long they are required to maintain consumer credit records.

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 2017-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc.
State: NC

Complaint narrative:
Hi, My name is XXXX XXXX, I reside at XXXX XXXX XXXX XXXX XXXX, NC XXXX.
OnXX/XX/XXXX I was in XXXX Virginia on an HWY, I entered intentionally a toll zone HWY, as soon as I noticed it I got out from the toll, a couple of months I received a bill of {$1.00}, I did n't give it much thought, I end up losing the invoice and forgetting to pay it.
Soon after I received a bill from a collection agency ( Professional Account Management, LLC )  with the following info : Professional Account Management, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX PAM Account # XXXX Notice # XXXX My car plate : XXXX Due Date : XX/XX/XXXXTotal due : {$100.00} I really found it excessive to a theft, to charge {$100.00} for a bill of {$1.00}.
Can you please advise me how to fix this injustice.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX 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 explanation
Consumer complaint received 2017-06-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am filing a legal suit against XXXX and Equifax because they dumped my credit record after a period of no activity, then improperly restored records with a " reported date '' that negatively affected my ability to qualify for a conventional mortgage loan. I need to know how long they are required to maintain consumer credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I submitted a request to the Department of Education for the forgiveness program and was told I did n't qualify for it because of the type of loan I had. I graduated in XXXX and the only type of loan that was available was the FFEL. It is n't my fault that they type of loan that is being forgiven does n't include the type that I have. I was n't allowed to change and would n't get any credit for the payments I have made. I still have over {$30000.00} outstanding and having been working at a nonprofit since XXXX. This needs to change. I was misled or would have attempted to refinance long ago so that I would have the 120 payments credited towards my forgiveness. I need help in getting this rectified

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR

Complaint narrative:
I contacted IQ Data International about my renter 's debt. While I tried to work out a payment plan, they were completely unreasonable with me, treated me like I was ignorant about how the system works, even tried to explain to me what a loan is. When I tried to propose making the payments I am able to make, they said that the amount was too small and that they would not report the payments or provide me with proof of payment. Since then, it was represented to me that a settlement might be acceptable, about one third of the original totally, but another representative informed me that this settlement would not actually clear the debt, simply remove my name from the list. The actual amount required to settle the debt is significantly higher.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Chase Bank NA has me as applying for a credit card with them on XXXX XXXX, XXXX and I never applied for anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After being denied financing for " too many inquiries '' from TransUnion, I reviewed my free annual credit report from all bureaus for 100 % accuracy. I found that there were several unauthorized inquiries that I had no knowledge of and I submitted a written complaint to TransUnion requesting that they verify the accuracy of these inquiries that I did not authorize. After a few weeks, I called and spoke to Supervisor XXXX XXXX today who provided me with no relief in verifying the unauthorized inquiries. My account already has an active fraud alert to prevent future unauthorized inquires like these. The following inquiries were not authorized and I 'd like to see to it tthat they are removed or verified for accuracy. None of these companies received my identification or authorization to obtain my TransUnion report for any reason : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

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 2017-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX, XXXX was attempted to collect the debt with me and kept call me with different number. i was told them that i was attached to chapter XXXX bankruptcy, but they still called because the prior creditor they know that i was attached to bankruptcy, and portfolio recovery bought from prior creditor on XXXX 2016. and they seem like they never fixed the problem even though they knew it was including in chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Three charges appeared on my XX/XX/XXXX credit card statement from Bank of America ( attached ) for {$11.00}, {$8.00}, and {$14.00} that totaled {$35.00}. Bank of America sent 3 letters all dated XX/XX/XXXX ( attached ) acknowledging the dispute of the 3 charges as being fraudulent. Bank of America sent a letter dated XX/XX/XXXX ( attached ) indicating that credit for the {$35.00} would be made to my account and issued me a new credit card ending in XXXX with instructions to destroy my old credit card ending in XXXX. My credit card statement of XX/XX/XXXX ( attached ) shows that Bank of America did in fact credit my account for the 3 fraudulent charges of {$11.00}, {$8.00}, and {$14.00}. However, theXX/XX/XXXX letter from Bank of America ( attached ) FALSELY stated that XXXX had also issued credits for the 3 fraudulent charges in 4 ( four not 3 ) credits to my account and Bank of America was therefore adding the amount of the 4 credits from XXXX back into my account.. This action by Bank of America to add the 4 amounts is shown in the attached XXXX print of my online account. However, of the four credits which Bank of America indicated were made only the credit for {$14.00} was made by XXXX AND this was a credit for goods purchased by me from XXXX and then returned for credit as shown by my attached statement of XX/XX/XXXX and the attached receipt for the return. It was not a credit for the disputed charge of {$14.00}. The other 3 credits of {$8.00}, {$0.00} and {$11.00} that Bank of America alleged were made by XXXX never appear on any of my statements and were NEVER made by XXXX. Hence, the action of Bank of America of adding the {$35.00} of the credit it originally made for the fraudulent transactions is itself fraudulent and is only an attempt to cheat me out of {$35.00}.

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 2017-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I closed on a HAMP modification for my mortgage in XXXX with JPMorgan Chase. Since then I have been having difficulty getting my 2nd mortgage modified under the 2mp program with XXXX. XXXX claims they never received an notification that my 1st loan was modified and that my 2nd loan is eligible. I believe Chase has to input my HAMP modification in to the servicing HAMP system. I believe the system is called the XXXX XXXX matching system. I need the 1st loan to match with the 2nd loan in the system. I tried calling Chase but most telephone representatives do n't understand what i 'm talking about. I desperately need this modification.

Company response to consumer: Closed with explanation