vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to wire XXXX into a Bank of America account and they both failed due to the recipient sending incorrect information, one being the account number was correct but the sender omitted their full name and left out a name. BoA decided to take XXXX dollar fees for each returned transfer, and in total have taken XXXX dollars in fees. These are fees I did not agree to or was told about. All BoA had to do was return to money, and actually it never even left my account.

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 2019-12-31 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: MI

Complaint narrative:
the company navient who has serviced my loan convinced me to take forbearance and deferment and told me the government was paying the interest but they were adding it to the principal without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
on XX/XX/XXXX at XXXX XXXX, a {$300.00} money transfer via Zelle, a subsidiary of Early Warning Services , LLC. The Zelle transfer was sent to my XXXX XXXX account but will not be available until XX/XX/XXXX. 

Overall, a service that was supposed to be immediate or reasonable, is taking 7 days. I expected the transfer to arrive within a reasonable time. 

I expected the transfer to arrive within a reasonable time. It is stated in the Zelle literature that enrolled Zelle customers can expect payment within minutes. I am enrolled in Zelle and I have a XXXX XXXX  account. 

The transfer will not be available until XX/XX/XXXX. This is an abuse of customers. This money was needed urgently and is being held by Zelle/XXXX. 

The service is advertised as transferring funds within minutes and it is expected that funds will be available quickly when these services are used. These advertising are confusing and false and abusive to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I sent a request for a validation of the debt and I have not received any response. The only reason that I knew of this debt was by looking at my credit report because I have not received any notice. 

I have also disputed the item on my credit report.

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 2019-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: KLS Financial Services, Inc
State: TN

Complaint narrative:
I received a call on XX/XX/2019 the recorded message asked if I was XXXX XXXX press one I pressed 1 and reached a rep who answered the call " my name is _____ '' I advised i received a phone call and the rep asked my name I first asked to person that called me to identify them self to which they replied with the name again i had to request what company they were calling from they refused to advise me the name of the company until i identified myself, which i know is not correct practice since I work for a medical debt early out collection as well, That rep hung up on me. I called back received another rep who stated there name to which i was refused identification of who called me and was advised i was harassing and hung up on when asked if this company is a collection company, I called back to and spoke to sup XXXX due to be rudely spoken to and hung up to which she stated with out identifying myself she would report me for harassing them and hung up, I called and spoke to another rep who was very rude talked over me and would not listen even after identifying myself and advised he didn't have to listen to me, He then provided the date of service, patients name and client whom they were collecting for with verifying my demographic info as specified by HIPPA law, I then requested to speak to the supervisor again to make the payment, I was advised there was on supervisor and I had already spoken to her, I again asked to speak to the supervisor to who was still extremely rude and talked over me and had a very rude aggressive tone as i was trying to make my payment. KLS Financial is not being compliant with the HIPPA

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
LoanCare acquired my loan in XXXX. They claim they didnt receive all paper work from the previous lender until around XXXX but during this time I was attempting to do a modification and had started the process with the original lender. It took them over 4 months to tell me they couldnt modify the loan. Of course during the modification period they dont want you to make payments because that suggests you dont need assistance. And that means it has hit my credit as late payments for 5 months. They informed that foreclosure proceedings had not started so I could pay the late payments if I intended to keep the home. This is a secondary home so I decided to sell it. I got an immediate cash offer on the home within a few days and we were scheduled to close on XXXX XXXX. I contacted them to let them know I had a contract on the property and the date of the closing so they wouldnt begin the foreclosure process since it would be paid off in 2 weeks. They said it had not started so they would note that Im selling on the XXXX. The title company and I both requested a payoff on XXXX XXXX. I had to call multiple times for it and was always told it was being processed and would be sent by the end of business. Fast forward to yesterday, the XXXX, and the title company still had not received the payoff. I contacted LoanCare and told them we were scheduled to close that morning in less than an hour and we had been given the runaround for this payoff for 10 days and still hadnt received it. They told me that my loan was sent to the foreclosure attorney on Saturday the XXXX and I would have to get the payoff from them! So basically they held up providing the payoff and rushed to gather the documents to send to the foreclosure attorney in an effort, Im sure, to collect more money by tacking on additional fees, interest, and the possibility of me losing the home so they can resell. Whatever the rational is, its unethical when I could have remedied the default on the entire loan yesterday and there would have been no reason to send to foreclosure. Now Im in limbo waiting for them to send the numbers to the attorney before I can close. I even spoke to them Saturday about the payoff, obviously while they were scheming to get my file sent to the attorney, and customer service said it had been processed and the title company would have it Monday morning. They are liars and unethical. I am looking into if they proceeded with my account properly or if any state laws were broken with the way they held up the sell of my home in an effort to get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
ONCE AGAIN CHASE AND THE DEALERSHIP FAILED TO PROCESS TITLE CORRECTLY AND HAVE NO LIEN OR TITLE ON MY CARD. SEE LETTER FROM THE STATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Credit card payment was due on XX/XX/19. Payment in full was made online on XX/XX/19 four days before it was due. Wells Fargo sent a payment confirmation saying payment would be posted on XX/XX/19 a week after payment was made. It generated a late charge of {$25.00}. I went into the bank to ask for the charge to be refunded. Request was refused. I said this was predatory and I would be filing a complaint.

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 2019-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
I have a VA Home loan that was transferred to PennyMac Loan Services , LLC . On XX/XX/2019, we had reviewed my loan for a no out of pocket cost refinance. On the XX/XX/XXXX I began signing document to complete the transaction. There were some mistakes and they were going to to remake a document for me to sign and it was signed and passed to underwriting. I received 1 more telephone call wanting to confirm documentation for the underwriting on XX/XX/2019. On the call they stated that I would need {$5000.00} out of pocket for closing cost on the date of closing. I informed them that this was not correct! Your reading something wrong, This was supposed to be no cost out of pocket is what we had originally agreed. They said they would get back with my loan officer and he will be in touch with me. After a week, Nothing, I have place several phone calls and no one answers or has returned voice mails. They have straight up ghosted me! Now I have received notification that they have canceled my home insurance ( failure to pay ) without cause. I am in middle of trying to straighten this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX {$10.00} XXXX/Bill XX/XX/XXXX {$1300.00} XXXX XX/XX/XXXX {$200.00} XXXX XX/XX/XXXX {$83.00} XXXX XX/XX/XXXX {$5.00} cash advance fee XX/XX/XXXX {$6.00} cash advance fee I called on XX/XX/XXXX later afternoon when I logged in my account found out those translations, I was sick at home in CA, the translations made in NJ.

Capital one bank send back four translation credit for {$200.00}, {$83.00}, {$1300.00}, {$10.00} on XX/XX/XXXX.

But on XX/XX/XXXX, capital one bank billed back on my account for {$200.00}, {$83.00}, {$1300.00}, {$6.00}, {$5.00}, also interest for {$0.00} I called, they say its no way someone can copy my card with the chip, the card was present when purchasing, Im responsible for the translations. But I really didnt do it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
Within the past four months I had noticed three collections having been reported on my credit report and a massive drop in my fico score. I reached out to the collections company noted on the record as " Credit Bureau Systems Inc ''. I immediately sent them a Validation letter on XX/XX/2019 and after 30 days had not received any written correspondence back from them. On XX/XX/2019 I received an account details letter claiming I was in debt to them in the amount of {$13000.00}. On XX/XX/2019 I again re-sent a Validation letter via certified mail. On XX/XX/2019 I received an " Account Itemization Letter '' in the mail now stating that I owed the amount of {$12000.00}. Neither of these correspondence letters have matching account numbers nor amounts owed. To date all three of these collections remain on my credit report.

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 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo made two UNAUTHORIZED TRANSACTIONS from my checking account. 
In the first instance they failed to pay my mortgage as instructed on XX/XX/19 without informing me. 
In the second instance they paid my mortgage several weeks later o XX/XX/19 w/o informing me. 
Subsequently they closed me out of my account and invalidated my debit card leaving me financially disabled.

Three visits to my branch and TWELVE HOURS ON THE PHONE WITH ESCALATIONS DID NOT RESOLVE THE PROBLEM. THEY REFUSED TO PROVIDE A TIME STAMP WITH THE ORIGINATING IP ADDRESS. THEY TOLD ME TO GO TO THE POLICE, FILE A CRIMINAL COMPLAINT AND SUPOENA THE RECORDS. 

My account was and is adequately funded.

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 2019-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I paid the remaining outstanding balance on my CashNetUSA line of credit and requested that the account be closed permanently. 

The company refused stating that it could not be closed due to auditing purposes. I asked for my line of credit to be reduced to XXXX, they refused for the same reasons. The fact that they refuse to close my account is making it difficult for me to close on a home due to underwriters requiring that this account be closed. 

I feel this is both predatory as it is an attempt to trap me with this inferior credit product. Also, a company can not keep an account open for me for any reason when I have no further debt to them - this is also unlawful. 

The account does not need to remain open to satisfy auditing purposes - this was a blatant lie as well as a ridiculously absurd claim. I requested for the account to be closed with my credit line cancelled immediately and to receive written notification thereof, and CashNetUSA refused. 

Please help because as I stated earlier, this account is holding up the underwriting on closing my home loan. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: Home Loan Center, Inc.
State: NY

Complaint narrative:
Company named lending tree use my personal info without my consent and send promotional offers to my email since I opted out from receiving any emails offer from them and I noticed that the fraud my first name and abuse my personal information including my email 's I CONTACT THE COMPANY TO STOP SENDING MESSAGES OR OFFER BY ANY MEANS. 
COMPANY NAME INFORMATION LENDING TREE XXXX XXXX XXXX XXXX NOT NC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: NC

Complaint narrative:
XX/XX/19 Paid off our mortgage We were told we would receive interest and escrow refunds of about {$1200.00}. They said check was required to be mailed within 30 days of the payoff. 

We have called many times to see if the check had been mailed. Including XX/XX/19 when we were told by a supervisor that it would absolutely be taken care of that day and we would receive a confirmation call. We didn't receive any calls. Since the refund had gone weeks beyond their deadline I told them I want them to add 10 % for use of my money. 

We need this money ASAP to pay taxes and now we will not be able to pay our taxes on time with this money. It is now causing us a hardship. 

I called yesterday ( XX/XX/19 ) and there was no supervisor available. The customer service person said I would have to call back some other time. I said that I needed an answer and he said they can't help me, and " You know how it is '' Today I called and they claim they will help me again. After many calls and 3 weeks beyond their own deadline to send the money, I do not trust that I will be helped. 

I was reading XXXX reviews and saw that another customer waited " months '' to receive their refund. 

The Statebridge Company reviews are nearly all bad. Some of the good ones were added by employees of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: MN

Complaint narrative:
I have contacted transunion, XXXX, and XXXX  and have requested my student loan information be removed. Some of the loans are from 11 years ago, still they refuse to do so when the law specifically states they are to be cleared after 7 years. Because of this I can not get a credit card or do anything to even try to improve my credit because I don't make enough money. " Negative information ( such as missed payments, collection accounts ) must be removed after seven years. '' XXXX has told me they can keep this negative information my credit for 10 years. I told them no and they refuse 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 2019-12-31 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: MN

Complaint narrative:
I have contacted XXXX, equifax, and XXXX  and have requested my student loan information be removed. Some of the loans are from 11 years ago, still they refuse to do so when the law specifically states they are to be cleared after 7 years. Because of this I can not get a credit card or do anything to even try to improve my credit because I don't make enough money. " Negative information ( such as missed payments, collection accounts ) must be removed after seven years. '' Equifax has told me they can keep this negative information my credit for 10 years. I told them no and they refuse to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: MD

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : FLAGSHIP CREDIT ACCE Made on : XX/XX/2017 Made with : { insert name of credit reporting agency } To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

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 2019-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
I signed a modification agreement that was approved back in XX/XX/2019 for 3 trial payments of XXXX. Those trial payments were made, and I was approved for the modification in XX/XX/2019 and the payment was XXXX. I signed that agreement and sent it back agreeing to pay XXXX. Here we are 4 months later, and my mortgage was raised to XXXX. Right back where I started. When calling Carrington Mortgage  customer service, I was told because my taxes went up. In researching my tax bill in reality, my tax bill only went up XXXX for the year. The total taxes for the year are XXXX, they have them on my escrow account as being XXXX. I called Carrington Mortgage back to speak with the tax department. They were un-certain why my mortgage went up XXXX and could not explain it. I would like to know why this tax bill was not included in my modification. The tax bill was released in XX/XX/2019, while I was going through my modification trial payments. This amount should have been calculated in the final documents in XX/XX/2019. I would have never agreed to pay XXXX for a mortgage payment, I CAN NOT AFORD IT! Carrington Mortgage needs to refigure the mortgage payment to reflect the correct amount and not some amount they come up with out of their heads to make extra money.

Company response to consumer: Closed with explanation