vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The company is requiring a " cushion '' in my escrow account, which is causing the payment to be much less affordable. Per RESPA guidelines, the company is allowed to implement a cushion comprised of two months of escrow payments, but they are not required to do so. In order to pay my mortgage without undue strain on my finances, I have respectfully requested Wells Fargo waive the requirement as a courtesy. I was continually lied to on the phone by agents of Wells Fargo, who stated that the cushion was required under the law. I advised them this is incorrect, and that it is an internal business decision to require the cushion. My call was escalated to an escalation team, and after speaking with an agent named XXXX, was advised after no contact for two weeks that they flatly denied my request, providing no other reasoning other beyond " other servicers may have different requirements but Wells Fargo requires the cushion. '' I do not dispute that there was an increase in the amount of my escrow obligation, but the requirement of the " cushion '' is not federally mandated, and it is fully within the ability of the company to waive the cushion in order to better accommodate the needs of one of their customers. I have been nothing but respectful in my interactions with the company, and yet now they leave me out to dry. I need assistance so that I can continue to pay my mortgage. I am a first time homebuyer, but have years of experience in the mortgage industry, and it is shameful the way that Wells Fargo treats their customers, especially in light of their XXXX XXXX dollar settlement due to unfair practices. You'd think they would like to help their customers in order to raise their respectability in the public eye, but it turns out that is not the case.

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 2018-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Service of Nevada
State: NV

Complaint narrative:
XX/XX/2010 Dr XXXX provided services for my daughter, after insurance paid we owed {$300.00}. Do to financial hard ship we were in able to pay. Now we are being harassed by Collection Services of Nevada for {$450.00} plus {$250.00} plus legal fees for a court order I have never been served with. In the process of trying to buy a home I have been getting all issues taken care of, they refuse to set up a payment arrangement for just the principal amount stating that it is in a judgment, even though I have not been served.

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 2018-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Union bank charged me around {$120.00} worth of over overdraft fees. They charge two separate fees for the same overdraft. {$33.00} plus {$6.00}. All due to the monthly charge they billed me for ( {$10.00} ) because I was on XXXX and not receiving regular direct deposits from my job ( which I was not informed I would be charged the fee and I have had my account since 2016 and went through periods without direct deposit and never had to pay before ). One {$25.00} payment ( which I was depositing the money until I saw I was negative {$10.00} that night and could not speak with a representative until the morning ) and a {$10.00} monthly fee, cost me around {$120.00}. They submitted this payment 3 times. I think this place is the greatest public agency established to date. I actually wrote a letter to Mr. XXXX about XXXX XXXX doing this when the CFPB got started. Shortly thereafter, his team ( all of you, thank you for your service ) investigated and XXXX XXXX wound up in big trouble. What Union Bank is doing is wrong and they should be punished just like the other financial institutions.

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 2018-08-01 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: TX

Complaint narrative:
In 2016 my wife and I tried to get a HELOC on our primary residence and we were denied because of remarks on our credit report. The remarks stated : Our account was settled for less than full balance ; account paid, foreclosure started. This remark is untrue and is different from the monthly reporting on our credit reports that show we paid all of our bills on time. We sent letters to the credit bureaus and were sent a letter stating the problem would be corrected and that notification to all three of the credit bureaus would be sent. Two years later this negative remark is still on two of my credit reports and one of my wife 's 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 2018-08-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

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 2018-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I was informed by several people that operate businesses in the same category as mine that Flagstar would be a good choice for my banking needs. XXXX at the XXXX XXXX XXXX XXXX, MI XXXX branch informed us that based on our business, ( which they already have customers who operate and have accounts with the same business ) they would not even entertain the idea of opening a business account for us. They did not want to see financials, credit, or any other information. Once they heard we operated an XXXX servicing business he said " they were no longer taking on any more XXXX companies ''.

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 2018-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/18, just as I was about to buy dog food, I saw XXXX XXXX on my checking account in the amount of {$170.00}. I was told to wait until it posted on the account which usually takes two days. Today, XX/XX/18, I woke up just to see that all my TD Bank accounts were frozen and almost all of them has transaction starts with DDA on the statement and also triggered the overdraft protection fees. I was shocked because that is all the money that I got and I do not have enough to pay for dog food, rent, and other expenses. I called TD Bank customer service around noon and was told to step into the branch to resolve this issue. When I arrived at the bank, after fully verified my identity, a teller asked for my debit card and broke it in half right in front of me and other customers then repeatedly saying that I have too many charged off accounts that is why TD Bank is doing this to me. I told him that it would be nice to reach out to me first and ask if I will be ok without this money. What happened to the business ethics and human right? TD Bank will do just fine without my $ XXXX but what about me and my dogs? Do I have any right to know anything before the bank take actions that would impact my life? You guys kept saying it's in the user agreement that I signed when opening the accounts. In the afternoon, I called and spoke to a lady from the recovery department. After verified everything, we went over the charges and fees and explained step by step in order to resolve this issue. She told me that one of the accounts [ XXXX ] is still active but it is negative at the moment. I told her that I just got a new job a few days ago and will work to pay the balance little by little because I get paid daily. She told me to step into the branch as soon as that account is positive and she can remove the lock so I can get a new debit card. I forgot to tell her that last night I made a transfer from my job into the account ending in XXXX but I don't see it on the bank statement so I called back just to have her help me look into it and see if we could apply that to the account ending in XXXX instead to help me pay off the negative faster. The lady that answered the phone told me the whole different story. She said every charged off accounts must be pay in full in order to lift the restriction. I told her that TD Bank sold my debt to the collection agencies already but she said that was not the case but demand that everything must be pay in full otherwise there's nothing she can do on her end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
So this is my complaint # 3 regarding Round Point Mortgage Servicing Corporation since i never gotten fully explained responses and provided numbers - only partial dismissive responses. 
So on XXXX I've sent following email to RoundPoint : Good afternoon, Mr. XXXX I just received the respond to my complaint to you and CFPB on my request to update the escrow monthly payment. Your respond contains 3 pages, The first page info that you DID adjust the amount from {$2800.00} to {$2800.00} per month.

The second page disclaimers The third page very general payment history.

You didnt send me detailed escrow analysis for which I asked in my complaint!

You didnt send me updated monthly Mortgage Billing Statement for which I asked! 
You didnt send me a check to cover the difference that I have overpaid in XX/XX/XXXX, which would be : {$2800.00} {$2800.00} = {$25.00}! 
I ask for the prompt respond to these 3 abovementioned requests, because ignoring my requests will prompt me to complaint yet again 3rd time to Consumer Financial Protection Bureau. 
Please correspond in writing so I have a copies of your responses if further need for such arises. 

XXXX XXXX loan # XXXX / complaint # XXXX Nobody contacted me with this letter which is no surprise considering their luck of customer service there. 
on XX/XX/XXXX I've sent the following email to RoundPoint : Good morning.

I did receive the new Escrow Analysis Statement, but TABLE 2 Escrow Activity History, on the back has just one line beginning balance - {$3900.00}.

I would like to know how did you get this number I do need the whole history printed from the beginning, from XX/XX/XXXX! I need to go thru the numbers. 
I still didnt receive the check for {$25.00} and no updated Mortgage Billing Statement Tomorrow is XX/XX/XXXX and I have to pay my monthly mortgage. So if I dont receive the requested papers by tomorrow and no manager/supervisor calls me with explanation ( please no customer advocate I need a manager ) I  will have to complain yet again to Consumer Financial Protection Bureau XXXX XXXX loan # XXXX / complaint # XXXX Nobody responded, so as I advised to RoundPoint - I'm sending yet another complaint to CFPB. I'm also getting prepared myself to consider legal pursuit since the mortgage servicer whom I did not choose to begin with, keeps ignoring my requests. 
thank you XXXX XXXX

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 2018-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2018, a mobile deposit was made into my checking account in the amount of {$1000.00}. This item did not post to the account until XX/XX/2018. 

On XX/XX/2018 my husband contacted USAA regarding our checking account. USAA claims the cutoff time for mobile deposits is XXXX Central and the deposit was not made until XXXX Central time, however I do not believe it was made that late. In addition, we make deposits via mobile deposit often later than the supposed cutoff time and have never had a delay in posting previously. It seems USAA has recently changed this practice and did not notify all of their clients of this new practice. Regardless of the cutoff time, we have never had this issue before. This new practice caused a downstream issue with our accounts at other banks. Deposited items were returned at other banks because we thought this deposit had been posted. The customer service representative refused to allow my husband to communicate with a supervisor until I said we would be filing a complaint with this office and others. The supervisor was not helpful either. I would think that a company that claims to support our veterans would be slightly more helpful and definitely more transparent with their common practices they call " cutoff '' times. 

When a mobile deposit has been completed, a notice displays that the funds are available " immediately. '' There is not a " cutoff '' mentioned in this notice nor is there a disclosure advising these funds are not posted. 

I would like some assistance with this issue and believe USAA does not have an client focused approach that is conducive to the best interest of their clients.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/2016 my wife and I tried to get a HELOC on our primary residence and we were denied because of remarks on our credit report. The remarks stated : Our account was settled for less than full balance ; account paid, foreclosure started. This remark is untrue and is different from the monthly reporting on our credit reports that show we paid all of our bills on time. We sent letters to the credit bureaus and were sent a letter stating the problem would be corrected and that notification to all three of the credit bureaus would be sent. Two years later this negative remark is still on two of my credit reports and one of my wife 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Last XX/XX/2018 I mailed a letter to this credit bureau requesting investigation on several accounts including accounts from XXXX XXXX and XXXX. However nothing seems to have been done. For my XXXX XXXX   account XXXX, there has been fraudulent charges applied on the account. I sent XXXX XXXX copies of my FTC and Police report and send this credit bureau a letter an a copy of the FTC and Police report and they failed to delete the account and violated FCRA 605B. The XXXX account is also reporting incorrect balance and and status investigation still shows in progress per credit report I downloaded XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
This account was paid in full XX/XX/2016, it was a secured and was not any late payments. it was a loan company which the bal. at the time due was XXXX a mo. I have called to see if the company would correct this no action has been taken. 



On the account XXXX XXXX shows on my credit report as a charge off but this account was a secured account loan company that was never charge off loans were paid in full. And I would like for them to remove it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When I opened my Chase XXXX XXXX card, I chose paperless statements. There is a statement under the checkbox for this online : " We'll still send you email reminders 10 days before your payment 's due. '' ( See attachment. ) My due date is the XXXX of each month. 

1. They NEVER actually send a paperless statement by email. I have NEVER received an emailed statement for this account. 

2. The payment reminders NEVER arrive when they claim they will. My last reminder arrived on XX/XX/XXXX, so it either was sent by Chase five days AFTER the XX/XX/XXXX statement deadline, or 26 days BEFORE my XX/XX/XXXX statement deadline. They specify nothing in these vague reminders ; they don't say which month 's statement they refer to ; they don't even provide a link to the statement in question. ( see attached image of this email, including date it was received. ) As a result, I have racked up late fees and interest charges from this confusion and lack of timely reminders, not to mention the fact that they AREN'T EVEN SENDING ME PAPERLESS STATEMENTS. All of these things tell me that they are doing EVERYTHING they can ( barely legally? ) do to set people up to rack up late fees and interest charges. 

I called them today to cancel paperless billing and have statements sent by mailit 's the only way I can reliably get the information in need in the time frame I need it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/2016 my husband and I applied for a HELOC and were denied because of a remark on our credit report. It stated that our loan was settled for less than the full balance ; acct paid, foreclosure started. This is not true and our monthly reporting shows that we paid our bill on time. We wrote letters to all three credit bureaus and were able to get XXXX to remove the remark from both my report as well as my husbands. We have not had any luck with the other credit bureaus. We have hired a law firm to help us and they successfully got XXXX to remove the remark from my credit report but the negative remark is still there on Equifax. We have spent countless time, money on the phone trying to get this matter resolved. We were told it would take at most 30 days to resolve after we sent in our proof that the loan was paid in full and two years later this is still a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
We moved out of our apartment on XX/XX/2018 and we were supposed to get a final all bill by email but never did receive it. After contacting the original company by email requesting the final bill as we never re eived it, they informed me that the bill was sent to an old address on file and that the person who was supposed to send us the final bill whose name was XXXX XXXX never emailed it and also she is no longer with the company. The property manager XXXX XXXX informed me of this XXXX email. She then emailed me a final bill with incorrect charges and overbilling. When I disputed the charges, she refused to help fix the situation and sent this account to collections damaging my perfect credit and any chances of me obtaining a house. They never emailed me the final all bill within 30 days and they purposely sent the bill to a wrong address.

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 2018-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I initiated a international wire transfer through Chase Bank, and the same day after a few hours the fraud department called me to confirm it was an accurate wire transfer and to confirm the amount. I actually appreciated that and I told them I appreciated it. Then, they started asking me personal questions about my communications with the person I was sending money to and what the money was for. I explained they were not privy to my personal communications in any way. They said they will cancel the wire if I don't answer the questions they asked, I said go ahead and cancel it and I will find another way to send my money. They then locked down my account. I can not access my account at this time until I take two forms of identification to a branch location. I explained the wire was accurate and it was for renting an apartment for my vacation. That wasn't enough information for them. I am absolutely furious! How can a financial company company have this much power over my accounts without oversight? They have wasted a good hour of my time in the middle of my work day to deal with Chase 's unreasonable requests to go unlock my account.

Company response to consumer: Closed with explanation