vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
On XX/XX/2020, at XXXX, XXXX XXXX from Commercial Acceptance contacted me on my home phone regarding 3 ambulance bills ( 3 separate original creditors-all for ambulance services ). After being advised of the debt, I explained to her I can offer to settle at 50 % of my debt ( with tax season approaching and other financial obligations, I'm trying ) She then went on to say, her clients will not accept that amount and to have a good day, then hung up immediately! There was no time to respond to her nor even offer any type of payment arrangements on my debts. This isn't the first time she has done this. She did this is exact same thing a few times within the past few years. I called the number back and spoke with a manager named, XXXX. I explained this was very unfair and I find it abusive. It is my understanding, as debt collectors, they are to be very professional and alert debtors they will be ending the call instead of abruptly hanging up when they don't get that credit card information. I asked XXXX  to remove my number and not call again. She said to put it in writing or there's nothing they can do. I shouldn't have to put it in writing to request calls to stop. It is harassment to call someone and not even give other options! Not even so much as a payment plan. This is rude and unfair, especially considering I'm trying to do what I can to rectify my debts. I am a new stay at home mom and the calls being made are constantly waking the baby during nap time. I try to answer when I can but not always possible. Not to mention, I am emotionally disturbed and stressed as I'm trying to take care of the debts and I should be able to defend myself with this type of situation taking place. I feel targeted, as if I'm being backed into a corner. Being a mother of XXXX, I can't just put my kids ' needs aside to pay {$2000.00} ambulance bills all at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: ID

Complaint narrative:
My husband and I refinanced our home and closed on the property on XX/XX/XXXX. Our original lend was MidAmerica and they are a nightmare. We have not yet received our Escrow payment. MidAmerica will not answer phone calls or emails. It has been well over 20 days. 

Our new lender, XXXX XXXX, our title company, XXXX XXXX and myself have attempted many many times to contact anyone from MidAmerica to resolve this problem to no avail. We are either kept on hold for more then 2 hours or just not responded to by email or any other means of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I built our home and closed on our home in the end of 2018. They lender failed to provide us with accurate figures in the truth in lending disclosure as it relates to the estimated taxes on the home, and this has now caused a shortage in our escrow account, raising our mortgage payment by close to XXXX $ per month. While the shortage is accurate it is a result of them estimating our property taxes using an inaccurate figure at the time of closing. The land was valued at {$29000.00} by XXXX county GA the improvements to the land that were appraised prior to closing were {$290000.00}. Wells Fargo only estimated taxes for our escrow account baced on the valuation of the land ( XXXX ), not the land and then improvements as required. This resulted in them providing us an inaccurate estimated monthly payment when we did our mortgage. Now to make up for that shortage in escrow they expect us to pay an unreasonable amount additional per month. Had we been provided a more accurate in good faith estimate by the lender at the time of closing we could have had the opportunity to evaluate our finances or perhaps shopped around with other lenders. I spoke with the tax accessors at XXXX county today XXXX. Wells Fargo would not have given us a mortgage for XXXX if the land was only worth XXXX which they estimated our taxes for escrow on.

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 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I Just reviewed my City Rewards+ Card statement date : XX/XX/XXXX. 
They ( CitiBank ) included a {$25.00} Late Fee and a {$.00} finance charge on a prior month bill of {$25.00}. However, the statement shows that the entire balance of {$25.00} was paid in full on XX/XX/XXXX. The due date shown was XX/XX/XXXX. Therefore the bank automatically charged {$25.00} late charge and the finance charge. However, the payment was mailed by my bank to arrive by XX/XX/XXXX. I, therefore, contend that the payment actually arrived by the XXXX but Citibank failed to process the payment when it arrived. I make this claim because I almost always use my bank to make payments via their bill pay system and they always arrive on-time. I called Citibank and spoke with a senior service rep but they could not / would not resolve this issue. I doubled checked the mailing address to be sure it matched the address on the statement - it did. I think that corrupt banks should be held accountable.

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 2020-02-27 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: IN

Complaint narrative:
I have called twice ( once today, XX/XX/2020 ) and once on approximately XX/XX/2020 to request my account be reviewed for a lower than the maximum interest rate. I believe that they are charging me substantially more than they should be due to how my bill looks and due to the fact that I make on time payments regularly. The XXXX call resulted in the gentleman looking at my account and telling me I would receive a letter in the mail and to call back after I received the letter. The call today resulted in them demanding my cellular number so they could text me a code. I declined that because I do not want to get more junk calls and texts than I already do from automatic dialers on my cell phone. They then transferred me to their " fraud '' department. the lady asked me if I had any other checking accounts or savings accounts with them and demanded a phone number where she could call me right back to verify it was me. I gave her a phone number. I also provided my mothers maiden name, I provided my social security number, my zip code. I have not used this card in years and am just paying down the balance. I pay XXXX and XXXX of that goes to interest on a balance of {$14000.00}. the math does not add up on this. I have a XXXX XXXX card and pay less on a higher balance which I am also paying down. 

I am not looking for a free ride but citi is doing something VERY disturbing and shady here. by the way, its been 45 minutes and no one has called me back. so no letter in the mail that they claimed I would receive, no call back that they claimed I would receive and all because I would not provide a cellular telephone number. 

I have had this credit card for more than 15 years and have made regular payments. a maximum percentage rate with no one even entertaining lowering it is in violation of federal law. they are supposed to review your credit every 6 months and they are not even trying to do that.

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 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
ATM charge my account for funds not received

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
Company didn't provide valid proof of debt failed to follow FDCPA and FCRA rules and regulations. A new complaint will be filled out daily until the ARS complies with my request and follows the law.

A daily CFPB complaint will be created daily until ARS complies.

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 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I lost my job in XX/XX/2018, due to no fault of my own. I was Also experiencing health problems. I filed a forbearance but my home was still turned over for foreclosure. 
I was constantly getting different info from PNC even up to the time I received notice of foreclosure. I was offered an unfair modification plan that will not benefit me or my situation. 
Adding on terms to my existing loan is not much help. 
There are other modification plans that would be more beneficial. 

There is no hardship financial homeowner assistance programs Available. 
The hardest hit fund was depleted. 
I need honest help saving my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: AR

Complaint narrative:
A unknown suspect has been using my identity. My name and social security number without my permission. When I reviewed my credit I observed two loans ( XXXX  money loans ) and three credit cards ( XXXX XXXX  and two XXXX  XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied for approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have for the past six years tried forbearance, deferment and I continue to struggle. This student loan has ruined my credit and made it almost impossible for me to qualify for a mortgage. 

I need financial counseling that will actually help my credit score. 

I look forward to a positive outcome for this ongoing problem. 


Sincerely, Ms. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch
State: SC

Complaint narrative:
i reached out to Kinum collection agency regarding music and arts about a debt owed for XXXX for a clarinet on XX/XX/XXXX, that was opened up an account on XX/XX/XXXX from XXXX in XXXX XXXX sc XXXX located at XXXX XXXX XXXX I returned this clarinet on XXXX XXXX and I was unaware of this reporting on my credit until I pulled my report I have made numerous of attempts to reach XXXX XXXX   and have been unsuccessful so today I reached out to XXXX XXXX XXXX at XXXX and spoke to XXXX she informed me to contact kinum bc they couldn't assist me and they now have the collections so I called and was told that they have been reaching out to XXXX  to confirm this debt and have been unsuccessful also I need this removed from my credit file if it cant be confirmed and a updated report sent to me I am in the process of purchasing a home and this is corrupting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
The original debtor is XXXX XXXX it was sold to ic systems in XXXX XXXX MNXXXX.Debt occurred in XX/XX/XXXX.  I called XXXX XXXX to suspend my services because I was being forced to move. I made a payment to my bill of XXXX leaving me with the amount of XXXX left due. I was told by the rep that my services would be suspended for a year and to call back in XX/XX/XXXX  to see my other options because I was on a contract at the time. The next month XXXX was taken out of my XXXX account so the account was paid in full. A year later I call back and was told that the account was never suspended because of the XXXX balance at the time of the suspension something that I didn't know and account was paid off in full.

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 2020-02-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account has been previously Deleted and has appeared again, I have Cfpb documents from the past year that shows the details of this dispute in which the company said that it is deleting this item only to put it back on my report a year later, this is a violation of the FCRA and FDCPA law.

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 2020-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I am disputing the following : XX/XX/XXXX {$800.00}, XX/XX/XXXX {$840.00}, XX/XX/XXXX {$0.00} I discovered the fraudulent charges and reported them to my bank right away. I was advised to change my user id/password for my online account, and get a new account number which I did with the assistance of a bank representative. I have not had any additional fraudulent activity on my accounts since. 

I received a provisional credit letter dated XX/XX/XXXX, advising temporary funds were issued to me while an investigation took place. I then received a final resolution letter dated XX/XX/XXXX, stating a confirmed error occurred and the provisional credit received is final and will remain in your account. Then on XX/XX/XXXX, the credit was removed from my account. It was finally on XX/XX/XXXX, that I was been able to get a formal response from the bank as to why they took the credit back. They state the credit was removed due to missing information that was not changed when directed to your online banking login on XX/XX/XXXX. This reason is contradictory to their initial resolution reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My son ( of which I am a signer on the account ) had two fraudulent checks deposited into his account. The money was subsequently taken out by an unknown person. The bank initially froze all of our bank accounts ( without us knowing ). Since that point, they have not refunded the moneys that were withdrawn nor have they allowed us any access to the accounts. Now they have presented us with a bill of {$800.00} dollars for some unknown reason. Chase Bank has been absolutely no help in either explaining the transaction nor have they been forthcoming as to why he owes more money now. He is out {$1300.00} for a transaction he knows nothing about. What is upsetting about this is that the bank will not help us at all. I have contacted a detective to try and access the video but have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The latest response from Wells Fargo I already sent to you continues to state than They are unable to provide the name of the third party person that interfered with the appraisal or how it came about.To this I say that is putting this obstruction in providing this information is a class of being a whistle-blower worthy of Rep.XXXX XXXX and his impeachment of the President of The United States of America and we all know how that turned out. Today I received a telephone call from XXXX XXXX from Wells Fargo reaffirming that they will not provide the information because it is confidential Talk about an abuse of p [ power and or authority this is it How do I make you " cfpb '' order Wells Fargo to produce the requested information

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 2020-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I followed the process outlined to revoke my EFT agreement. I received an email saying the agreement was revoked however they still attempted to process the EFT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I tried to join Robinhood.com, an investment website for stocks and trading. They sent me a rejection email, stating I already had an account with them. They asked for the last 4 digits of my SSN, DOB, and Zip to identify myself. I did. They responded that there was a discrepancy in my answers and requested that I send a picture of the front and back of my drivers license. I did so. Then they requested that I send a picture of my Social Security Card. I did that. They said your account is under XXXX. I responded that that's not my email address and that I believe this is a fraudulent account. They responded that I joined on XX/XX/XXXX. I again replied that it wasn't me. I requested to know what information of mine had been given to them. I asked who the account name was under, what banking information they gave, what address they had on file, etc. It's been 5 days and I've still not received a response. I found two phone numbers after searching XXXX, and both phone numbers are voicemails that tell you to go to the website help section. I've sent a total of 4 emails without any replies. I have pulled my credit report, put a freeze on my credit, filed a police report, filed a FTC report, a XXXX  report, and will file with XXXX if I don't hear back by this weekend. I have saved all email exchanges up until this point and have an investigator from XXXX helping as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
My mortgage got transferred to Fay Servicing about 4months ago from XXXX XXXX. 
This month XXXX I made a payment, but this month I will still be three months behind. I got a call yesterday ( XX/XX/20 ) from the same lady and I told her that I would make another payment this month with the money I have in my surplus and money I have. She told me I couldn't do that because I received a demand letter and my house is going into pre foreclose if I don't pay {$5200.00} this month. 
I got behind in my payments because of medical bill I have to pay to keep my husband on medication and XXXX. He has XXXX  XXXX. I had explained that to her the last two times we spoke. 
Please help me. 
Thank you, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account has been previously Deleted and has appeared again, I have Cfpb documents from the past year that shows the details of this dispute in which the company said that it is deleting this item only to put it back on my report a year later, this is a violation of the FCRA and FDCPA law.

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 2020-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I went to put money into my account at a PNC ATM on XXXX XXXX, XXXX, MD. Immediately after receiving my cash the machine went " out of service '', kept my money and gave me no receipt. I immediately called the Customer Service desk and they showed no record of my deposit. I went to the bank first thing the next morning and all both of these could say is they will put in a complaint and investigate and it will take 2-4 weeks. I am a senior citizen and I don't have {$600.00} to sit and wait. Can't they look at film or have the company that services their machines check to see if there is a {$600.00} overage? No one at this bank seemed to care that I've lost my money and I don't know where to go.

Company response to consumer: Closed with explanation