vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On Thursday XXXX I processed a deposit into a Navy Federal ATM. The deposit included one item which was a Cashier 's Check for {$14000.00}. The deposit was made after the cut off time for the XXXX, so I did not expect funds to be available until XXXX. I called the credit union to confirm the date that the funds would be available and was told that they would not be made available until Wednesday, XXXX, as there would be a two business day hold placed on the item. 

The item was an Official Check which is a next day availability item according to Reg CC. The item was made payable to myself, endorsed by myself and was deposited into an account in my name. I inquired if I could come pick up the check and cancel the deposit to cash the item at the institution it was drawn on, and was told no, because the check was imaged by their ATM. 

I was also told that if I went into a branch to make a deposit, the funds would have been available sooner ( even though the transaction date would be the same ). This is a violation of Reg CC. Placing a hold because I made the deposit at the ATM instead of at the branch is senseless. Also the item is a next day availability item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: TX

Complaint narrative:
There is an account that is past the statute of limitations and need to be removed and is also unverifiable which iXXXX XXXX XXXX XXXX # XXXX I need some help I have disputed this several times with no correction and removal

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 2017-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
SALLIE MAE AND XXXX XXXX IS FULL OF XXXX! they dont want to help at all they just care about getting their money even if you are in a financial struggle, unemployed or just dealing with a financial hardship and not able to make monthly payments. i called XXXX XXXX asking to lower may monthly payments the guy gave me no better options except just pay {$220.00} a month then get 6 month forbearance but it makes my overall loan amount way higher. i tried explaining that i cant pay the XXXX but he ignored ne and would n't listen all he kept saying was i could just pay that amount. i wanted to lower my payment or try deferment but sallie mae and XXXX XXXX dont give you that option!. i owe XXXX per month for sallie mae for 12 months then a bigger amount and they refuse to help me lower my payments. im unemployed and my family is in a financial crisis but they dont care. i owe sallie mae about 44.241.76 and XXXX XXXX  XXXX but i cant make payments at this time. and its not fair that only know college tuition is free!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
Greetings I contacted the Hunter Warfield on XX/XX/XXXXin an attempt to just settle it quickly because I was attempting to buy a car and was made aware that there was a collection placed on my credit report that I had no knowledge of. The dealership told me that they may allow me to just pay a portion to get it removed quickly to proceed with the car buying process. That was not the case as they did not respond. 

On XXXX I requested a validation of the debt because I 1. Never received a bill stating that I owed anything from my former apartment. My keys were turned in at their request and we were moved out on time without any charges accessed. 2. I did not understand how they could place an unknown debt on my credit report without notifying me. 

On XX/XX/XXXX I received a letter stating they did not have that information available to verify the debt and they needed more time. I have disputed it through XXXX and they responded by saying they have the right to collect. 

No one is telling me why i never received a bill, what exactly I am being charged for, and how it is allowed to remain on my credit report even though they do not have the information available to verify what I owe and why.

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 2017-12-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I obtained a mortgage loan from XXXX XXXXWashington Mutual ( WaMu ) in XXXX which was securitized and placed in XXXX XXXX. 
In XX/XX/XXXX, WaMu was closed down and the FDIC became the receiver of its assets which, FDIC, in turn transferred or sold to JP Morgan Chase. 
I made payments to Chase from XXXX until the end of XXXX. 
Chase gave me a predatory loan modification in XXXX. 

In XX/XX/XXXX, Chase signed a {$13.00} XXXX settlement with the Department of Justice based on its fraudulent activities from securitizing mortgages from XXXX through XXXX. Chase is providing relief to homeowners through XX/XX/XXXX ( so time is of the essence ). 

I called to ask for relief since the trust into which my securitized mortgage was placed ( XXXX XXXX ) is listed on XXXX XXXX which lists the securitized mortgages that would be entitled to relief under the settlement. 
The customer service representative at Chase informed me that I was not entitled to relief since my loan had been transferred to XXXX XXXX XXXX. But they are merely SERVICING loan, Chase is securitizer, investor and owner!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
I filed an insurance claim for hail damage in XXXX. I submitted partial documentation to the mortgage company as requested in XXXX XXXX. In XXXX XXXX I received additional insurance checks from the insurance company. I sent these two new checks to the mortgage company in XXXX XXXX. After sending the checks in I was told additional documentation was needed in order to release the funds, this would have been XXXX XXXX. I sent in the additional information as requested in XXXX XXXX. In XXXX or XXXX XXXX, I received a phone call stating the information was not correct and still needed to be provided. The requested documents were sent in for a second time in XXXX XXXX. The mortgage company failed to call or make any attempts to let me know that this was not sufficient again until XXXX XXXX. Again, I complied with their request and sent in the documents for a third time. Again, I received no communication that these were not sufficient. My wife called in XXXX XXXX to see if the checks would be released and she was told yes that everything was good and the funds would be released. On XXXX XXXX XXXX I received a phone call stating that the mortgage company still required the additional documentation to release the funds. This process has dragged on for almost 18 months with no resolution in sight. I am again required to send in the same documents a fourth time. The process they have set up is convoluted and very secretive in how the documents should be filled out and what is exactly required when filing an insurance claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP
State: OR

Complaint narrative:
We purchased a home and took a job in what looked like an up and coming area of New Mexico in XXXX of XXXX. The job was at a XXXX XXXX, so it seemed pretty bulletproof. Not so, as we discovered when my husband was laid off after only two years on the job. We immediately put our home on the market as we knew we 'd be in trouble and 6 years later it was still on the market We struggled during that time to make the payments as we tried to sell the home and find another job in the area, a town of less than a thousand and 65 miles from a town of any consequence. We ran through all our savings and retirement money keeping up the payments, and my husband was able to find a job although it paid a third less then the job we had taken when we moved there. After my husband began to experience health problems which made him unable to continue working at the job he had found, we threw in the towel and ask the bank if we could do a deed-in-lieu of foreclosure. They agreed to it and said they would begin working on it. We were also made aware that a relocation allowance of {$3000.00} was available, which was a godsend as we had no money to move. We began the process and ceased making payments at that point. The bank dragged this out for literally years, and told us numerous times verbally ( because they NEVER put anything in writing ) that the relocation money was in process, that it had to go to a committee, that they would " be meeting Thursday, and the check will go out the next day ''. Our point of contact was repeatedly changed. When we were finally told we were denied in XXXX and my husband insisted that they give a reason, they said the investors had denied it. When further pressed, they said it was because we were n't occupying the property. We were out of state looking for work, but stayed with a friend of our son, and paid all utilities up to the month of the DIL and had a neighbor making sure everything was fine. Their assertion that we no longer resided in the home would be like saying that retirees who go to Arizona and live in a travel trailer for 6 months out of the year no longer reside in their homes. We literally were living in a travel trailer looking for work. During the last series of conversations with the bank in XXXX, they offered us one half of the relocation money, but later reneged and of course nothing had been put in writing except the denial which stated that we did not live there. Since the relocation money was a federal program one wonders what motivation investors would have to deny two now homeless people in their XXXX the means to move. We had to ask my elderly mother to loan us money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: CA

Complaint narrative:
On XXXX/XXXX/XXXX Bank of America Merchant Services made a withdrawal adjustment of {$550.00} from our merchant account. We have not received anything in writing regarding this dispute. Verbally we confirmed the original charge was a car rental in person, swiped debit card, pin entered. We provided an email response on XXXX, and a writen response on XXXX and had not received anything back from Bank of America in writing.

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 2017-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I requested a payment deferral in XXXX via phone call with Chase Auto Finance and during the call they had stated they would contact me if it was not approved. I had requested a payment deferral of 2 months. I check my account online and am not provided with paper statements. On my online account, the account did not appear to be past due during the time since I submitted this request. I have not received any communication from Chase Auto Finance stating that my payment deferral request was denied. 

This morning, Chase repossessed my car without notice. They do not have the correct phone number for me in this account, and have stated that my correct phone number is listed as on a do not contact number. My Chase Bank account does appear to have the correct phone number listed for me. I have received no communication from Chase that my account was in a past due status. 

I have requested to resolve the account issue by bringing the account current. They have stated that I need to pay the loan balance in full. I am also being required to pay repossession and storage fees of approximately {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Consultants of California
State: CA

Complaint narrative:
In the summer of 2015 this debt was paid to : COLLECTION CONSULTANTS XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Now, 2 1/2 years later they have reported my debt as unpaid to XXXX. I suspect the FALSE debt will also be put in XXXX and XXXX. 

Collection Consultants even told the credit reporting agencies that the debt was pain in 2015. 

Please help, my XXXX score dropped from good to fair, a 25 point drop. And worse yet I am trying to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a WELLS LOC that was unjustly canceled in XXXX. 
I have been with Wells for 20+ years, always with an A rating, with various business, personal, mortgage, merchant and LOC accounts. 

Most recently, a 13 year mortgage with WELLS, and $ XXXX line of credit account. 

In XXXX I qualified and refinanced my home with another bank, to an FHA % 3.27, and paid off 3/4 of the  balances on credit cards, LOC, and cashed out $ XXXX, still retaining a 2.1 loan to value. 

XXXX Refi FHA Mortgage Loan was $ XXXX, appraised {$1.00}, comp value {$2.00}. So my financial and credit situation improved with these transactions. In addition, I I was good enough to qualifyed for an FHA. 
. 
Directly after pay off, in XXXX Wells closed my LOC account, along with other credit cards, stating inaccurate, unfair, and false information. As my financial situation IMPROVED with my refi lowering my %, on mortgage , % on credit, and pay offs, and my monthly overhead was lowered by more than 35 %. 

Therefore, I believe that WELLS committed ANOTHER act of fraud, and MORE unfair business practices.

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 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX i sent a letter requesting validation of a debt to XXXX XXXX XXXX through certified mail. I dispute the mark on my report throughXX/XX/XXXX XX/XX/XXXX, andXX/XX/XXXX. XXXX never sent a validation letter but reported to transunion that the debt was valid. I called XXXX stating the debt is n't valid without proof and it is also passed the statue of limitations law in the state of Louisiana for them to even collect. The young lady hung up in my face. I re disputed the account and contacted the BBB and XXXX. I will not stop until this mark is off of my credit report and will seek IMMEDIATE legal action

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 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Wells Fargo has reported my payment status as between 30-90 days fromXX/XX/XXXX through XX/XX/XXXX. I have had numerous issues with them over billing. I have been paid up a month in advance since XX/XX/XXXX Example -- XX/XX/XXXXwas paid in XX/XX/XXXXXX/XX/XXXX paid byXX/XX/XXXX and so on. I have been paying biweekly since then. The minimum payment due at the first of the month was {$120.00}. I paid them {$65.00} bi-weekly without fail. When I discussed this with them and filed a complaint with CFPB in regards to almost {$500.00} in late fees, they reversed the late fees, but refused to remove the reported late payments from my credit report. This is the only account I hold which shows such poor standing.

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 2017-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The property is in default with Bank of America and is ready to close to pay the loan in full ( along with all late fees/attorney fees ). However, when the statement came, it includes over {$27000.00} in " property maintenance '' fees. These are nothing but " made up '' charges. Bank of America refuses to even provide a breakdown of what was supposedly done. The property NEEDS to close next week to avoid further attorney/late fees and we are having to pay {$27000.00} extra for fake repairs. They claim that their property preservation department ( XXXX XXXX ) had replaced the roof ( this was never done ). They claim that there are substantial lawn maintenance charges ( there is no lawn ). They claim there has been cleaning done ( the interior is a mess and full of junk ). They claim they secured the property with new locks ( may have been done, except the locks do n't even work ). Bank of America should not be able to " steal '' {$27000.00} of my profit from the sale because they simply feel they can.

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 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PlusFour, Inc
State: NV

Complaint narrative:
XXXX XXXX XXXX gave an inaccurate report to Debt collection which was submitted to XXXX. I have tried to resolve this as I spoke with XXXX at their Billing Department. I told her I am not aware I had any outstanding balance and she confirmed that it was a mistake on their part for submitting an inaccurate charge to debt collection. It is still open up to now as it is stated in XXXX credit report since XXXX 2017.

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 2017-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am going through a domestic abuse situation and need the full contents of my bank statements from the time I opened my account until now. Wells Fargo does not let customers view online ledgers past 18 months at all, and then charges {$5.00} per month if statements previous to the 18 month period are needed, or if they are printed at a branch. 
They are denying customers access to their own information, and then charging for the 'privilege ' of obtaining it when they ultimately have to contact Wells Fargo !

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 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My wife and I have been negatively impacted significantly by PNC bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called PNC to dispute these reports, however they stated that they do n't discuss these issues with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
A collection agency called The Bureaus Inc. put a collection on my credit that is not mine. It is fraud. They never informed me that they were putting anything on my credit. They just did it. I have asked them to remove this fraud and they refuse to do so. This agency is not legal or bonded to collect in my state. They are in violation of the Texas Finance Code

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I had a medical debt show up on my credit report, I disputed it and there was a lack of proof, so the credit bureaus took it off ( around XXXX ). A month or so later a new bill in the same amount for the same false medical bill showed up under another name ( PHNX FINAN ) in the exact amount ( {$1600.00} ) on my credit reports. I was not notified that a debt was sold or purchased. I called the company PHNX FINAN ( Phoenix Financial ) at XXXX and asked them to send me proof. This was around XXXX XXXX, I believe. A couple weeks went by and I received nothing. I called back and they asked me to wait a few more days. I called back a week later ( not sure of date ) and she stated that it showed that it went out on the XXXX, but that she would send out another. I never received anything from the company. I spoke with XXXX today, XXXX XXXX, XXXX, and she stated that she sent it out ( inferring one time ), I said well I have not received anything and I have sold that house and need to give you the new address and would you send a copy there. She said that she was not going to send me out another copy. I am not responsible for this medical bill and my rights have not been upheld by this company.

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