vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: MORTGAGE 1 INCORPORATION
State: FL

Complaint narrative:
I applied for a home loan with Mortgage 1. The loan I was looking to get was for first time home buyers, FHA 30 year fixed. I just graduated XXXX school within the last year so my pre approval and closing of the loan was supposed to be on my last years income. My loan officer took my financial income for 3 years prior instead of only using the last years income. I called and emailed my loan officer and her office secretary a number of times stating I wanted to know the daily interest rates and I wanted to lock in my loan when I was ready to do so, depending on the daily rate. NO one ever knew the daily loan rates and never would get back to me with the information I was asking for. My loan officer then told me her secretary locked in my loan rate with out my approval and did not even know what she locked it in at. My moving date was 3 days away and I was told If I did not sign the paper work I would not get the house. After figuring out the interest rate she locked me in at I questioned why it was so high from what was quoted to me. Her response was My credit was really bad and I dont get a better rate. FHA loans do not discriminate on credit scores. FHA excepts interest rates at XXXX my credit score was XXXX. My loan was charged a point over what it should have been. The lender made about 18 grand off my FHA loan. I also had to use their attorney for escrow, where the real estate attorney removed closing statements that were the lenders closing statement from my closing documents, stating the numbers where off due to a glitch in their system. My federal house loan ended up costing me XXXX, I went FHA because I felt like it would be a safer loan in consumer protection. These people made a ton of money off a single mother of XXXX children who works full time and is a XXXX. XXXX an unhappy Federal backed home loan consumer who got robbed by a business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing this complaint on behalf of my sister who at the time was on XXXX due to XXXX and XXXX. Her Social Security check ( which is her only income ) is automatically deposited into her checking account at the Wells Fargo bank in XXXX, SC. In XXXX 2015 someone at that branch came to her and offered her a credit card with no interest for 24 months if she would open a savings account and and have the bank automatically draft {$25.00} from her checking account each month. The outrageous part of this deal is that they opened the Visa card with a credit limit of {$4000.00}!!!! Now mind you, they came to her, she did not ask for a credit card. At that time her monthly Social Security check was approximately {$1100.00}. She barely has enough money to pay her rent of $ XXXX, car insurance, utilities, groceries, medicine, healthcare, gas, and misc expenses. In her XXXX this was a good thing which of course was NOT! You can image the rest of the story ... .. I make sure all of her bills are paid every month and she HAD fairly good credit, but I did not know about the credit card. Well, she has managed to charge well over the {$4000.00} credit limit and the {$50.00} /month she has been paying on it will never get it paid off. I agree that she used very poor judgement in charging this huge amount but I hold Wells Fargo for even worse judgement in issuing a credit card to someone with such limited resources! That credit card was like giving drugs to and addict or alcohol to an alcoholic. Now the bank is coming after her and asking for minimum payments of {$1000.00} or more which of course is a joke. 
Please look into this matter in light of all the underhanded things that Wells Fargo has done to their customers. Taking advantage of someone like my sister is reprehensible and Wells Fargo should assume some responsibility for this egregious act. 
The most important thing is that I do n't want her checking account to be compromised in any way because now her credit is ruined because of her debt to earning ratio and I do n't think she would not be able to open another checking account anywhere. I try to help her to live independently and it has worked so far until this dang credit card was issued to her. IT SHOULD HAVE NEVER BEEN OFFERED OR ISSUED TO HER WITH HER INCOME LEVEL! We live in different states but thanks to online banking I make sure her bills are paid. 
Please help us.

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 2017-04-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I lost my wallet in XXXX XXXX. The person who found the wallet charged {$3300.00} on my Bank of America Debit Card. I realized it was in that wallet two weeks later and reported it to Bank of America. B of A sent me a form with all of the charges that occurred from XX/XX/XXXX XXXX the date that I reported it to them. They reviewed the case and on XX/XX/XXXX they sent a letter stating that my claim had been reviewed and they determined that no error had occurred in this instance and that they considered my claim to be resolved. 

There were many charges that made up the total amount. My contention is that the purchases we not my normal purchasing pattern and that their Debit CARD FRAUD UNIT SHOULD HAVE CAUGHT THIS PROBLEM. I never received any calls from them during this period. Conversely, my XXXX Debit Card was also lost at the same time and I did hear from them. 

I would like to be credited with the full amount of {$3300.00} that was wrongfully charged by the thief. The Bank of America Fraud Prevention Unit should have caught the charges before they ran up to this level.

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 2017-04-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: TD BANK US HOLDING COMPANY
State: IA

Complaint narrative:
I set up my credit card for automatic payment on XX/XX/2017, on this date I also made the monthly payment which posted on XX/XX/2017. On XX/XX/2017 I received a call from Target Redcard stating that I had missed my payment and I needed to pay a {$38.00} late fee. I explained that I 'd set the account up for auto pay and I expected it to be automatically debited from my checking account. The representative acknowledged that autopay was indeed set up on the account, however she did not know why the payment did n't process. I asked that the fee be removed and authorized her to debit the missed payment. I then received another phone call on XX/XX/XXXX stating that the account was not on autopay, and that the late fee would not be removed. I requested a follow up phone call from a supervisor and to have the XX/XX/XXXX call reviewed, the supervisor called back, however she did not review the call and refused to remove the fee instead stating that she 's sorry for the miscommunication, but theres nothing that she will do to correct it. Aside from this alienating customers, it seems very disningenuous for the representative to state that the autopay setup to mysteriously disappreared over the last 7 days. This seems like a scheme to force consumers to pay a fee that is not owed, while damaging individual 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a dispute and a request for a Bankruptcy on my credit report that was inaccurate and was not aware of the source. The file was removed upon failure to verify and then placed back on my report with no notice.

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 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I am a USAA customer and in XX/XX/2016 they migrated from MasterCard credit card to a visa branded card for all their customers. The balance was transferred to the new visa branded card and the legacy MasterCard account was supposed to be closed. Upon review of my credit report, I found that the legacy MasterCard account was still on my report with a balance of over XXXX. 

I have filed a complaint with the resolution department at USAA but upon review of my wife 's credit report, the same problem was there too. 

I am complaining because I only found this problem by happenstance and I suspect that many more consumers may be affected. If a customer had this issue, they might never know unless they meticulously reviewed their credit report. 

In my conversations with USAA staff, I found that this is a known issue to some of them. If they know, why have n't they checked and notified those affected? This seems suspicious as if they were concealing this problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION
State: RI

Complaint narrative:
A Sallie Mae private loan came up in June 2016 with me as the borrower and my late father as the cosigner. I had no prior knowledge of this loan so I tried to gain as much information about it as I could. I contacted Sallie Mae about three times, trying to get a copy of the promissory note ( with signature ), but I was either ignored or sent the wrong information. Eventually they sent the correct documentation and the information under my name was horribly incorrect. My martial status, place of work, source of income, and homeownership was a copy of my fathers information. It stated that while attending college, I worked full time for 5 years at a XXXX XXXX, made {$100000.00} with additional income from a spouse of {$100000.00} ( which is inaccurate ). It stated that I was also married and owned a home. The only thing else on the loan was an electronic signature, I asked for a copy of a written signature or a signature written with a track pad, but they did n't respond. I was told by my step-mother to see her lawyer ( an elder and estate law firm ) for help and they advised me to continue to pay the loan while they sent a letter. The response from the letter was that because I took advantage of the loan and that they have an electronic signature I was still responsible for the loan. I found out by looking at the paperwork that my father took out this loan in XX/XX/XXXX while being treated for XXXX and died on XX/XX/XXXX. My father listed that I worked at XXXX XXXX in XXXX and that he worked for XXXX XXXX. I was never notified of the existence of this loan and have met my responsibilities with all the student I was obligated to pay. I was never told about the existence of this loan there I am not responsible. As a side note my mother and I called the US Department of Education and was advised to call XXXX to see if the loan was federal or private and it was private loan from Sallie Mae. When we call Sallie Mae and attempted to speak to a representative on this matter, the representative put on hold then came back and abruptly informed us that she could not speak to us any further and to have our lawyer call this number XXXX. When we called it was not in service and referred us to the original Sallie May number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
XX/XX/XXXX we had an engagement party on our daughter. I called Citizens Bank 2 days before to be sure my Mastercard credit card was all set to use. There was a {$60.00} balance on it. They told me it was all set. When we went to use it at the end of the party we were told it was declined. The whole situation was totally embarassing. On Monday i went into Citizens Bank in XXXX, RI. They reported the instance and assigned a case number. Months went by and no one got back to me. I called a couple of months ago and that call prompted them to look into it. They called it human error. Evidently, when I called to be sure the card was fine we got talking about a better card which may carry points. Well because of the conversation they closed my current credit card and reissued a new one which i received in the mail 10 days later. They never told me they were closing my present credit card. Also when I went into Citizens Bank on that Monday the representative there told me a person can carry as many as XXXX Citizens Bank credit cards. We have had a credit card with Citizens Bank since 1972. This is all recorded and they are calling it human error and for them that is the end of it. Well for me it is not ; we were totally embarrassed in front of the family members and new family members. Everyone new there was a problem with payment. You can explain all you want but you know they are looking at you saying " Yea Right. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX 2016 an employee had did a mobile app deposit of {$470.00} and cashed the check and withdrew it immediately. On XX/XX/XXXX 2016 the same employee took the physical check down to the check cashing place and cashed its again. As a employer we re held responsible for the check and had to pay the money back to the check cashing place. However, by law ( UCC/Holder in Due Course and Check 21 ), the Holder in Due Course who cashed the actual physical check is the one who is entitled to payment by the account holder. I have every legal right to demand that your bank recall the funds that were paid on the electronic presentment of your check to reclaim your lost funds. However, you are required by law to pay the Holder in Due Course for the physical check they cashed. Also under The key provision of the Check 21 Act is that it imposes a warranty and indemnity obligations upon a bank issuing a substitute check. A bank creating a substitute check assumes the risk that arises from the creation of multiple legally enforceable copies of the same item. The employee 's bank in the scenario above is deemed to have warranted to each subsequent handler of the check that it will not receive multiple presentments of the check such that it will be asked to make a payment based on a check that is already paid. The Check 21 Act specifically states : ... no depositary bank, drawee, drawer, or endorser will receive presentment or return of, or otherwise be charged for, the substitute check, the original check, or a paper or electronic version of the substitute check or original check such that the bank, drawee, or endorser has already paid. 12 U.S.C. 504 ... 
As an employer we were obligated to pay the money back plus fees, We want the bank to pay us back in full or we will file civil suit and file a complaint with the state attorney general.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
sun trust is violating the frank dodd act and have threatened us with prosecution. We had property listed for sale and specified that the appraiser must meet state credentialing guidelines to stop these false appraisals where they violate the law by using non arms length sales for appraisal comps and by using foreclosures as comps. THis is a specific violation of the law. Our real estate agent objected to a non credentialed appraisal agent per our contract ( we did not name a specific appraiser to be chosen ) and Sun Trust turned around a named a specific appraiser ( violaion of Frank Dodd ) that did not meet contract stipulation of credentials and upon complaint they provided in writing a threat of moving to file a complaint for Our violating Frank Dodd and that we could face prison and fines. What the XXXX is going on here. The banks are manipulating and violating appraisal and Frank Dodd act and when objected to, they threaten the consumer. I want immediate action taken.

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 2017-04-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
I apply for secured discover credit card on XX/XX/XXXX. I was approved for the line of credit, however I received a duplicate inquiry on my Equifax credit report dated XX/XX/XXXX. I disputed this duplicate inquiry with the credit bureau several times and was unable to get it remove as it is inaccurately reporting on my credit report. I also contacted discover on several occasions and the issue was finally acknowledge almost a year later on XX/XX/XXXX but the duplicate inquiry still remains on my XXXX credit report to this day. I would like the duplicate inquiries deleted from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I told navient I could not afford my current repayment plan. I have not been making payments that I can not afford it they have been calling the co-borrower and myself at least XXXX times a day. Today two family members called and stated that a credit collector attempting to collect a debt was trying to reach me. His name was XXXX and he left a phone number. these family members were not listed on any of my contact forms. He called me first and was able to contact me at my number. He had no reason to call them.I sent an email to Navient asking them to send me in writing what they were saying over the phone and I would comply. I do not trust anything they say over the phone they are very deceitful in practice. they told me over the phone that if I pay one month current they will forgive my prior past due balance. If I give them my account information I do not trust they will only take the agreed upon amount out of my account. I also want proof that they will forgive the past debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Td bank continued to overdraft my account without any notifications and now, I have overdraft fees I ca n't afford. I 've paid them literally THOUSANDS in overages, then as soon as I 'm out on medical leave, I 'm faced with this! Prior to, I purchased a money order from them, and had to wait 90 days with the receipt to get it back!!! RIDICULOUS then after I reached out to clear, they give me only 30 days. Uggghhh

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX has reported my account past due to credit reporting agencies and I have paid as agreed consistently. I have emailed them requesting a full accounting of all payment and interest and they have ignore my request and requested a payoff.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had a Bank of America ( B of A ) credit card and the account was " closed with a XXXX balance '' per the letter dated XX/XX/XXXX, 2011 that I received from B of A. However, B of A reported this account as a " charge off '' to all XXXX credit bureaus and I had disputed last year and this negative reporting was removed by B of A and my credit score went back to over XXXX where it should be. I just discovered last week that B of A reported this same account as a " charge off '' again ( even though B of A had removed this last year ) to all XXXX credit bureaus and now my credit score and my business have suffered due to my credit score dipping to below XXXX. PLEASE HELP!! Thank you so much in advance. 
Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: CT

Complaint narrative:
I do not have knowledge of this debt and believe it is not mine. I have not had XXXX. This debt is being collected by not only this company but another company as well.

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