vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX, my parents purchased a savings certificate for ~ {$1300.00} from XXXX XXXX, which has since been purchased by Wells Fargo. I went to the Wells Fargo branch in XXXXXXXX XXXX XXXXXXXX, PA but they were unable to help me and it was nearing closing time. I contacted customer service who assured me a branch could help and I went to the Wells Fargo branch in XXXX, PA. When I showed the Personal Banker the Savings Certificate, she stated there was nothing that she could do but she would " go through the paces '' anyway. After roughly 30 minutes of being on the phone I was told it was either cashed or there is nothing that can be done. There was no supporting documentation to show it was cashed and the bond states it " Must be surrendered '' upon cashing it in. I then sent an email to to the board on XX/XX/XXXX. I spoke with " XXXX '' several times who asked me to fax a copy of the certificate to him on XX/XX/XXXX. I sent a copy to fax number XXXX referencing the case number he assigned which was XXXX. He finally indicated on XX/XX/XXXX that they could not do anything to help me. I asked for a letter stating they can not help me and indicated that the funds do not just disappear.

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: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I write to call attention to incident that occurred by Chase Bank employees and loss prevention department of Chase Bank.I received a settlement check from a lawsuit in the amount of {$160000.00} The check was written on XXXX XXXX XXXX. I deposited my check into my personal account on XX/XX/17 I was concerned that the check had not cleared and called and was informed by several Chase employees ( XXXX, XXXX and another gentleman ) that my check was forwarded to loss prevention because my law firm '' had a history of bouncing checks '' and that Chase had put a hold on my account and since they cant verify the check my account was going to be closed on Friday XX/XX/2017 and the check was going to be returned unpaid. I called my law firms bookkeeper and lawyer and explained to them what Chase employees had told me in regards to my deposit and received a copy of my lawsuit check from them which cleared on XX/XX/2017 the day after I deposited it. I also immediately contacted the bank branch manager ( XXXX ) and advised her that I was told that the Chase employees had used XXXX to research my lawyers firm and noticed that his firm changed his name last year. Chase policy is not to allow employees to verify funds using the internet research rather than calling the issuing bank. The law office has no history of bouncing checks.I had to go into the bank on XX/XX/17 with the copy of the cleared check and have a three way call with ( XXXX ) Law-firm bookkeeper and loss prevention.The law office was able to clear the check after going back and forth with the employees. The law office wrote a letter to XXXX XXXX ( Chase market director )  and wanted an explanation about the conduct of the employee and the loss prevention department. I received a reply about deposits holds and that they could not verify the actions of the employee and had no record of any of several phone calls to the bank. ( I do have phone records of all calls to the bank ) I was discriminated agaist by Chase Bank because I am an XXXX women.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am attempting to close with XXXX XXXX XXXX XXXX. I have requested the us of   XXXX XXXX XXXX in XXXX Michigan to handle the loan policy being issued. The credit union is forcing me to use Transaction Title in XXXX XXXX. I do not wish to use them as it will cost me more money

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
My client 's information was used without her consent to submit several fraudulent application for credit. While the accounts associated were not established the inquiries related to the applications were found on her credit reports. Among the creditors are American Express ( dispute submitted XX/XX/2018 ), XXXX ( dispute submitted XX/XX/2018 ), and XXXX ( dispute submitted XX/XX/2018 ). Per FCRA 45 business days total is allowed for investigation of fraud issues and the consumer shall be notified of the results of the investigation. As of this date my client has not been notified of the investigation results from these fraudulent applications.

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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My client 's information was used without her consent to submit several fraudulent application for credit. While the accounts associated were not established the inquiries related to the applications were found on her credit reports. Among the creditors are XXXX XXXX ( dispute submitted XX/XX/2018 ), XXXX ( dispute submitted XX/XX/2018 ), and PayPal ( dispute submitted XX/XX/2018 ). Per FCRA 45 business days total is allowed for investigation of fraud issues and the consumer shall be notified of the results of the investigation. As of this date my client has not been notified of the investigation results from these fraudulent applications.

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: Incorrect information on your report — Account status incorrect
Company: College Foundation, Inc.
State: NC

Complaint narrative:
I attempted to renew my income based repayment program and the paper never went through after repeated attempts. In XXXX of 2015 I began consolidation of multiple student loans. College Foundation of North Carolina was notified. They delayed the consolidation process and while my loans were in the consolidation process the continued to report them as being delinquent and past due. I have submitted several disputes about this with them. I had issues with the other student loans companies that were part of the consolidation and those issues have all been fixed. College Foundation North Carolina admitted to the mistake on there end but refuses to change the reporting on my credit report. Currently the account is closed and paid % 100. There is also a period of late reporting which was caused by them not processing my deferral request after several attempts. CFNC was very hard to deal with they were one of the only lenders who did not except electronic submission of documents and there was no way for me to confirm that they had actually received documents or processed them in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I used XXXX through the Wells Fargo mobile app to transfer {$400.00} to a seller on XXXX for tickets. The seller was a scammer and never transferred the tickets. When I filed a claim with Wells Fargo, they claimed there was no redress because I authorized the transfer. 

However, there are few reasons why Wells Fargo should be responsible and reimburse me for the loss : - The XXXX function is fully integrated into the Wells Fargo app and website, which makes it look like it is part of the bank and not a third-party provider. 
- By trading on consumers ' trust and confidence in Wells Fargo, XXXX makes it seem safe to transfer funds using its service. 
- Based on this integration, a consumer would have a reasonable expectation that XXXX comes with the same consumer fraud protections that other payment methods through the bank have -- such as paying with a check, credit card, or debit card. 
- XXXX asks for the recipients name and phone number -- this makes the consumer think that the bank is checking to see if the recipient 's bank account matches the recipient 's name and phone number. But that can't be the case, because the scammer was impersonating someone. 
- Both Wells Fargo and the recipient 's bank have Anti-Money Laundering/Bank Secrecy Act requirements to " know your customer '' but it does not seem that either bank is conducting any due diligence to ensure that the recipient is who s/he claims to be. 
- Even though I have now found many articles online warning about XXXX scams, Wells Fargo has no warning about these scams to users. If you know that a payment system is being exploited by fraudsters, you should have some information about it on your website. 

I understand that Wells Fargo views XXXX like a wire transfer and therefore they claim to have no ability to return the funds. However, I believe that Wells Fargo bears financial responsibility for hosting a payment system that is so easily exploited by criminals. Even if Wells Fargo has to pay for the refund itself, it should have to internalize the cost of the risk of scams that it exposes its customers to. The relationship that a customer has with his/her bank is totally different from the relationship with an unknown payment service provider. I would not have used XXXX if I had understood how it works and how little protection there is. 

If Wells and other banks had to take responsibility for scams through XXXX, they will have the incentive to try to stop these scams. If they refuse to take responsibility, customers will lose confidence and trust in their banks.

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: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was suffering from financial hardship and was seeking assistance and then hurricane irma hit and we were in a FEMA declared disaster zone. I understood that Bank of America would be providing disaster loan modifications for those impacted. I was on the disaster forbearance but they did not do the disaster modification as I was told. I had to apply for standard assistance. 

I did and there was some mix up until finally on XX/XX/18 after finding out they had not reviewed me even though I sent in an updated application on XX/XX/18. I spoke to a very helpful supervisor " XXXX XXXX '' who took the time to look at my file and found out what the problem was. I had to resubmit with the correct address information so I did and was encouraged as I would finally be getting help As a XXXX military veteran I also was seeking SCRA protection from the upcoming XX/XX/18 foreclosure sale date and have not received it to this day. 

Everything seemed to be going well and I was able to have a complete assistance package and was submitted to the underwriter and on XX/XX/18 was told they were postponing the sale as Bank of America does not practice dual tracking then a borrower has a complete package as they have always done they post pone the sale date to allow time to review. 

Days went by and still the sale had not been postponed. On XX/XX/18 after 2 other escalations my customer relations manager submitted another post ponement. 

I was told an assured by many representatives that once I had a complete package the sale would be placed on hold. I had no reason to doubt because that was the practice ever since the DOJ mortgage settlement restricting dual tracking. 

I am submitting this complaint as Bank of America has defaulted on their commitment made by it's own representatives.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hello my name is XXXX XXXX and there are multiple inquiries from the same company By the name of XXXX which is inaccurate and fraudulent I will state them below XXXX  XX/XX/2018 XXXX  XX/XX/2018 XXXX  XX/XX/2018

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have a 7 year arm libor type home loan through suntrust mortgage, which defaulted to the market rate based upon the libor rate 4-5 years ago. It has seem to correlate until this year where my interest rate jumped 25 % and doesn't seem to correlate with the libor rates/change. I get no clarity in the matter when talking with my banking institution.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
XXXX, has not credited my XX/XX/XXXX payment. I have sent them numerous " proof of payment '' from my bank.I have never been late with a payment since doing business with them. I did, however short them in XX/XX/XXXX and XX/XX/XXXX because I did not realize they had raised my house payment amount. Which I sent to them in XX/XX/XXXX ( the shortage amount plus a late fee. ) One day they say : not received XX/XX/XXXX payment and sometimes they make it a current like XX/XX/XXXX. NEVER HAVE I MISSED A PAYMENT OR BEEN LATE WITH A PAYMENT!

this process has been ongoing since XX/XX/XXXX. The complaint file # they have for me is XXXX. They ask that I use this number when inquiring about this issue.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My Mortgage ( with my escrow account ) was sold to Wells Fargo 8 months ago and they have been mismanaging it ever since. I would like to get compensated by them for costs I incurred and time wasted due to their mismanagement.

-Wells Fargo didn't pay my property tax on time, incurring a {$45.00} late fee that came out of my escrow account -Wells Fargo didn't process the insurance document I provided them ( a few times ) and that caused them to buy supplementary insurance policy for {$1400.00}, which later they refunded to my escrow. Dealing with that took me close to two hours on the phone with them -Wells Fargo is miscalculating my insurance costs, resulting in my monthly payment being {$300.00} higher than it should be -Wells Fargo phone agent are providing very low level of service, most calls result in them needing to further research but they never follow up as they promise to. This results in me having to call many times.

-Wells Fargo refused to cancel the escrow on my mortgage. Despite the fact I made multiple requests to manage my own tax and insurance payment, in light of their severe incompetence in managing my escrow 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 2018-08-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted these auto dealers and places about these 34 inquiries on my credit report with equifax. I also contacted equifax and there response to me is they cant do nothing about it. I never signed or agreed to have these inquiries on my credit report. I am very unhappy about there customer service and what they are doing to my life with credit reporting.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has not responded to my complaint to verify items submitted XX/XX/2018. I am very aware that it's their responsibility to keep detail records of my credit file. I am challenging them to do so by disputing and making sure they are reporting information correctly by obtaining original information and reporting only what is provided to them. They did not send the requested documents and they are still reporting the items in question on my report. Right now you I can say the items can not be verified due to them not getting back with me and not providing documents that will give details of my history. I have a right to check a reporting agency to be sure they are in compliance and right now they are not. They did not even answer my 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 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 fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am a loyal customer of Navy Federal Credit Union, I've been with this company for almost 20 years. On the evening of XX/XX/2018 I received a call from a XXXX XXXX XXXX, XXXX. An agent says his name is XXXX XXXX Employee number : XXXX called me from a series of numbers, his first number was ( XXXX ) XXXX and ( XXXX  ) XXXX. That evening i gave the XXXX  technician authentication to upgrade my malware on my XXXX. I later discovered that he was able to get into my bank account and transferred a balance of {$10000.00} from my credit card. I later asked the bank how can someone be able to transfer that large of a sum without myself being called or my account being frozen. I spoke with a bank claims manager who was very disrespectful and condescending, I honestly don't feel safe with my money in their hands after this situation and quite frankly I don't know how can they allow this sort of cash advance without some sort of authentication? I asked to speak to numerous managers regarding my claim all trying to interrogate me like i'm a criminal or something. I've been banking with this bank for almost 2 decades, I have outstanding credit so this situation have been really disheartening that they are trying to disclaim my claim. They said that they do not cover hacks or identity fraud. Please can you investigate this bank, this could be an inside job. Navy Federal Credit Union is the bank I'm referring to. Thank you so much and looking forward to hearing from you.

XXXX XXXX, ( XXXX ) XXXX

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: FL

Complaint narrative:
I got a letter from Allied Interstate LLC. claiming that i had a debt of {$19000.00} from a XXXX XXXX /XXXX   account. I have NEVER procured, solicited or entered into any contract with XXXX XXXX/ XXXX over any of their services or products. I would also like to stress that the first name that appears on that account is not my own. This fact alone should make their claim null & void. I have asked for proof of claim for them.

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: 1st Franklin Financial Corporation
State: PA

Complaint narrative:
Date : XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX  CC : XXXX XXXX XXXX   Consumer Financial Protection Bureau Federal Trade Commission Georgia Office of Attorney General XXXX  XXXX  XXXX XXXX XXXX XXXX / Directing Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX  To : 1st Franklin Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX  RE : Failed to respond to FACTA ACT FCRA 623 Letter Tracking number XXXX CFPB / Complaint Number XXXX XXXX XXXX on XX/XX/2018 I sent a FACTA ACT FCRA 623 letter via CFPB ( XXXX ) and certified mail with return receipt tracking number XXXX. As of today, it marks 30 days with no response, as per my letter I granted your offices 30 days to respond and your offices have failed to provide documentation that was demanded. With that being said, Ill allow you to go ahead and prepare a letter on your companys letterhead stating that this item be deleted at once and this deletion request must be forwarded to all three of the major credit bureaus and all parties carbon copied up above in this letter no later than 30 business days. My attorney will also will be awaiting a copy of the deletion request to be forwarded to his offices as well. Your immediate cooperation is needed at once.

Best Wishes XXXX 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