vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2019 I noticed a fee charged to my account for a XXXX charge of {$48.00}. I was confused because my balance left was {$40.00}, and after charging me. I first spoke to an agent named XXXX who was extremely condescending who explained to me because the card authorization made my available balance negative. I was then transferred to a Manager named XXXX. 

The issue stands here. I was charged an overdraft fee because of a pending authorization which was a mistake by the vendor and has not posted. So I was charged an overdraft fee based on my available balance and then I would be charged another overdraft tomorrow when this authorization posts. 

I spoke with XXXX extensively and he let me know that I would be charged fees based on my available balance availability even if a transaction never posts. Meaning, that if an authorization was a mistake and the vendor never collects Bank of America will leave that fee on my account. I found 5 fees like that in XXXX. I found multiple other fees like that in the past 6 months. Where Bank of America charged me overdraft fees, for authorizations and then when that authorization posts. 

I then went to page 10 of my client disclosure packet. None of these parameters were documented in that packet at all. Nothing about being charged fees based on available balance. It only said balance. Nothing about being charged for an authorized item and then again when that same item posts. There are already {$240.00} in fees including the one for XXXX which will post tomorrow. I calculated another {$700.00} in fees the last 6 months using this abusive tactic. 

I went into a deep dive in managing my account in order to avoid this issue. I would like all my fees reversed. I would like a letter of apology for this abusive behavior. I want my account to go without any banking fees for the next 6 months as a show of good faith, that I will not be taken advantage of again. 

I also want Bank of America to make full disclosure of these fee practices in the client disclosure booklet. Because even when I read it to been, he said it agreed with him. But the booklet makes no distinction between the two balance and available balance. Nor states we can be charged two times for one transaction. 

I was even told I wasn't charged for my transaction, but was charged because of my available balance. This is convoluted and seems like an abusive ploy to get fees.

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 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: KEYCORP
State: CT

Complaint narrative:
In XX/XX/2018 I opened an online checking account with Key bank. Some how my correct address did not get registered, but I did not know that. I received an email that same day confirming that my account was opened, but the email didn't contain my account number. I waited for my first statement, which I never received because of the incorrect address. After a few months ( my fault for waiting so long ) I chatted with Key to inquire about my account, but they couldn't help me and said I had to call them. I called and the person told me that my statements were being returned, but she couldn't give me my account number over the phone and that I would have to go into a branch to resolve the matter. When I went into the branch I was able to correct my address and get my account number. When I got online access to my account I saw a large number of fees, inactivity fees, paper statement fees, returned statement fees, maintenance fees. They are clearly trying to extract as much money in fees from their new customers as possible. So I transfer the remaining money and tried to close the account. I was told that I could not close the account because of a recent address change. I waited the specific time and then tried to close the account, but by then I had a negative balance and was told that i could not close the account becaue I had a negative balance. I asked to speak to a supervisor and he said he would refund the latest fee to bring the balance to zero and then close the account a few days later once the refund is no longer pending.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-07 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: MO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6 - 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due

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 2019-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: LCO Financial Services, LLC
State: TX

Complaint narrative:
On XX/XX/19 XXXX was taken out of my account after I had filled the payment amount I owed to the company.

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 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Since just prior to Mr. Cooper taking over the mortgage from Seterus we have been attempting to recover {$1900.00} from Seterus, and now Mr. Cooper. 

XX/XX/XXXX, Seterus claims they paid {$1900.00} to XXXX XXXX XXXX premium for the year XX/XX/XXXX. However, simultaneously, we acquired a new homeowners insurance company, XXXX, which we paid for the year out of our pocket, ending in XX/XX/XXXX. 

What I am looking for is a solution to this near year-old problem : When do I get my escrow refund of {$1900.00} with interest? 

To add pain and discomfort to this matter, we have had several telephone calls with Mr. Cooper reps and all claim to work this to the end. However, we have never been responded to, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I received an email today, XXXX, requesting a copy of statement from account on file with XXXX, this was requested in order to send a check for remaining balance of XXXX. I have attached the statement here, the email was deleted by mistake. I request a check for funds owed in the amount of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
On XXXX I got an escrow letter from my mortgage lender ( Ditech ), as soon I saw the letter I knew it was not right. My payment was going to be really high and I noticed they didn't credited some payments to my escrow due to a lower hazard insurance and a returned check for {$1600.00}. I called Ditech and fought many times for an escrow analysis. By the end of XXXX nothing had been resolved it despite 4 escrow analysis had been made. on XX/XX/XXXX XXXX I got an escrow analysis which I agreed with the numbers. The new monthly payments was going to be {$920.00}. I saw all adjustments and credits. but the problem continued I asked Ditech to send me an statement with the right amounts which todays date they never did. every time I got my monthly statement come with different numbers. its been a night mare because when I call costumer service they agree with my number but in paper is totally different. I had spoke with many Ditech supervisors but the problem continues. one time they tried to charge me a late penalty. I called them and they avoid it. I am glad that I have a little education that helps me to see and recognize when something its not right but Ditech don't assume its responsibility and fix the problem. now Ditech sold my loan to XXXX. XXXX  send me a welcome letter with different monthly payment ( {$1000.00} ). I am worry because Ditech did not fix the problem and transferred me with wrong number. Can you see how the problem continues. when I talk to Ditech supervisors on the phone they say everting is fine but in writing is totally different. I just want to pay what legally I am entire to- no more no less. but I need all these in writing. its been almost a year and the problem persist. I wish I can write all issues Ditched Financial LLC created but my XXXX   is limited. Many time they try to force me to pay what they have on the statement. Many time came to my mine that I will lose my house because I will not have the monthly payment to cover it. when a CFPB representative contact me I will submit all evidence I have.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: CA

Complaint narrative:
one XXXX  XXXX  account inaccurately is reporting under my name on equifax credit reporting agency, i will be attaching the police report that i had received, and provided to equifax as well, please have this inaccuracy removed they are not helpful at all, and not cooperating placing wrongful disputes and all. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Someone called stating I had felony committed under my social security number and name. Took XXXX out of my checking account to " secure my assets ". Stating from police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Funding, aka XXXX XXXX XXXX, XXXX XXXX XXXX, Midland Funding LLC and Midland Credit Management has done Hard Inquiries on all Credit Bureaus, i.e. XXXX XXXX XXXX and XXXX every year since 2008. I was informed by XXXX that all of my information while I was in the hospital had been hacked and stolen. Identity theft.. I then started reviewing my credit reports. I found out that every year since then Midland using different a.k.a has been monitoring accounts from banks that have I've disputed with the credit bureaus regarding these charge accounts that were closed, written off as a lost, reported to the IRS for tax credit, Midland then buys these dead account, charging triple what the reported amount, charging legal fees, assuming these debts as their own, making motions of DEFAULT REQUEST, AFFIDAVIT ENTRY, AND JUDGEMENT ( SUMCERTAIN ) in State  of Michigan XXXX XXXX XXXX XXXX XXXX that is not my District. MIDLAND CREDIT MGMY, XXXX XXXX XXXX, XXXX XXXX, CA ( No phone number listed ), MIDLAND FUNDING LLC is ( listed as a Loan Agency for Homes ) c/o Attorney XXXX, XXXX XXXX XXXX XXXX., LPA XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX MI XXXX has been garnishing my Homestead Taxes Refund for two years. I spoke with XXXX because Midland put a negative report on my Credit File never stating that they stole my Senior Citizen Homestead Tax return that is meant for low income XXXX senior citizen to assist in paying their property taxes. I was placed in a homeless position because of MIDLAND XXXX. I XXXX  a report about this company that preys on senior citizens, XXXX and below Federal income standard. Midland stole from me a total of {$640.00} and falsified court document case numbers.They never reported the debt was paid off or that the report was under litigations.I Disputed that this be deleted from my file. I have been denied credit because of MIDLAND XXXX   They took {$110.00} of my Homestead Tax Refund this year. Please monitor these Hard Inquiries that lower my Credit Score and have no authorization to inquire. I had no business association with MIDLAND XXXX.Refund my refund

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Back in XXXX, I opted out of this company being allowed to charge more interest on already purchased items, therefore, the company closed my account and nothing has ever been charged on it since ... the interest was XXXX. Today, I receive my bill and they jacked it up, yet again, now its up to XXXX. This is unacceptable. I agreed to never charge again on this account and they agreed to never increase the interest rate. The XXXX lady was of no assistance. I want my over pay for the past couple of months credited back to my account and a FREEZE placed on this account like there should have been 10yrs. ago.

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 2019-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Calling family members. They are disclosing min amounts due. That is illegal. Several famy members have contacted me about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2019 my Wells Fargo business checking account was debited {$370.00} via a BUSINESS TO BUSINESS ACH to XXXX as " lawn/garden ''. Long story short, Wells Fargo closed the case stating I had two days to dispute the transaction but that time had passed and there is nothing they can do for me. XXXX XXXX fraud dept told myself and a police officer that they have no transactions listed from my bank account anywhere in their database. Wells Fargo told myself and the police officer they considered the matter closed even after we both informed them of our individual calls to XXXX XXXX. The question the Wells Fargo staff refused to answer is where did the money go if XXXX XXXX has no record of the transaction? Wells Fargo fraud dept refuses to investigate this matter further, which the police detective said looks bad on them, like they are covering up fraud, which he told them over the phone to no avail. Clearly this is a fraudulent transaction and considering the facts, it appears to be a case of internally generated fraud by Wells Fargo personnel. Why won't Wells Fargo fraud agents investigate this matter and work with XXXX XXXX to determine where the funds went to? In any case, Wells Fargo customer service is not helpful, very difficult to navigate to their dept via phone and are at times outright hostile. Even the police detective complained of how he was treated over the phone after being transferred eight times to various departments only to be told there is nothing further Wells Fargo will do. This is how the bank treats and protects their customers? Looks like another Wells Fargo clever trick to scam money out of their customers ...

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 2019-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
According to California Law my the repossession that took place by Exeter Finance was illegal. Exeter Finance violated law by breaking into a my locked garage, and that makes it a wrongful repossession. I woke up on XX/XX/XXXX on my way to work and realized my vehicle was gone. Because the garage is locked and you must have a remote to enter I immediately called my office and asked was my car towed for any reason. I was told no. I immediately called Exeter Finance to see if they towed my car and I was informed it was reposed and I was given an address where I can retrieve my belongs. I updated my address on file with Exeter ( The same address that they took the car from ) I was told I would receive something in the mail on how to move forward. I never received any call or mail. I call Exeter in XX/XX/XXXX to see if there were any updates and I was told my car was not sold. I informed Exeter that I had not received any mail and verified that they had the correct address. In the end of XX/XX/XXXXI received a update on my credit report that the balance had decreased I assumed the car was then sold, the balance decreased from {$12000.00} to {$10000.00} -- - so apparently the car I was paying {$12000.00} was sold for somewhere around {$1500.00}. Again I never received any notices or phone calls. I was never given the opportunity to cure my debt after repossession, I was never given the opportunity to buy back the vehicle nor was I given any information about the sale of the vehicle. I again called to see if my information was correct and to see what the status was and I was told that according to the system my car was not sold. In XX/XX/XXXX I received another update to my credit report stating the account was closed and charged off as bad debt. I immediately wrote a letter to Exeter asking for documentation of any correspondence and asking why I was never contacted due to the fact I got no response with the phone calls I wanted to document it this time. I sent a certified letter in XX/XX/XXXX that was received and today is XX/XX/XXXX and I have yet to receive any letter or phone calls from Exeter.

According to the state of California Exeter has violated my breach of peace, I was not given the opportunity to reinstate the loan per California law. I was not given or sent any post repossession notices. Exeter has not communicated with me about this situation yet they keep re-aging the debt on my report the last updated on my credit was XX/XX/XXXX after the letter I sent them was received. 

This situation has cause me great stress and turmoil.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Hello, We were approved for a loan modification, we did trial payments and what ever was requested this all occurred in XXXX. Loan modification documents to finalize were sent to our home in XX/XX/2019. We never received so I contacted Ocwen early XX/XX/2019 and advised us would have a packet remailed. We did receive them and signed and returned. I did fail not to register agreement, sent through regular mail. I attempted to make my payment on XXXX and payment could not go through. Contacted Ocwen and was advised my loan modification was denied because signed documents were never received, I was also advised to provide a tracking # in which I do not have because I did not register documents. Was advised had to submit all paperwork over again and had to wait to see what outcome is! Meanwhile I have a default notice. I am asking for your assistance, I think its unfair in how our situation is being handled. It also makes no sense! We have struggled so much to keep our house and just need help so that this gets resolved. Can someone please please get back to me? I am afraid my home can go into foreclosure and we dont want to loose our home. I appreciate the time you are taking in reading my email and hope to hear from someone soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: Capital Accounts, LLC
State: TX

Complaint narrative:
3 years ago ( XXXX ) I disputed a collection amount with the collection agency after I ended up in collections with a dentist. ( They told me my out of pocket, I paid it and then they went on to charge me more although they already told me the price - it was not a required procedure. ) I sent certified letters disputing at that time. I heard nothing back from the collection agency, so assumed the matter dealt with ( I did not get any calls as would be typical. 

In XX/XX/XXXX I was alerted that there was an increase to my collections on my credit report which alerted me that it was not dealt with. 

I disputed this collection amount with the credit bureau again who said it was legitimate. So I also disputed with both the dentist and collection agency two more times. I asked for proof of the debt from the dentist which they did not give me ( a signed quote that I agree to pay the amount as they said they give all patients ). I received nothing from the dentist. 

I asked for a debt verification from the collection agency ( they haven't responded 2 times ). I have no debt validation information back from the collection agency. 

I have sent certified/return receipt in all instances as you will see in the attached. 

Since it is not valid and they have not sent any documentation of the validity - it should not be on my credit report nor with collections ; yet the credit agency is listing it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation