vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
My complaint is that Union Bank & Trust withdraws the funds for checks mailed to companies the day the check is cut and mailed, not when the company being paid actually cashes the check. Most recent example : The Rent payment for my business location was setup thru bill pay to be paid by the XXXX of XXXX. The funds were actually withdrawn from my account on XX/XX/XXXX. The check did not get to my landlord until Friday XX/XX/XXXX. The bank is earning interest ( the float ) on my funds for over a full week. I have never banked with a company that pulls the funds out the account when the check is cut, unless I was getting a certified check. If this practice is not illegal, it is surely unethical. This check will probably not be cashed until today, XX/XX/XXXX. However, I have no way of knowing for sure when the check is cashed because of the way they are processing checks. To top it all off my payment was a day late! I find this process to be completely unacceptable. This was not the policy at Xenith Bank. So far I am very disappointed with this bank merger and considering moving my accounts to another bank.

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 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The credit card was closed on XXXX XXXX by the company. The balance owed at that time was estimated to be around {$600.00}. I have made a payment on the closed account every month. What I'm noticing is that the minimum payment is going up, late payment is charged along with interest. It appears that after an entire year of making payments, what I owed will never be paid off. I actually owe more. 

When I contacted the credit card company they explained that I will continually be charged interest on the amount owed and the minimum payment amount will change ( go up ) based on the balance owed and late fees will be charged when I don't make the full minimum payment amount. 

Well that sounds to me like the account isn't closed. They are treating this account as an active account. Plus they reported some of my payments as late payments to the credit bureau. I need a set minimum payment amount under {$75.00} to pay every month on this closed account. After all when the account was active the minimum payment was {$25.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
During the course of servicing my loans, Sallie Mae ( later Navient ) would not allow me to consolidate ANY of my loans. Further, i was not given the opportunity to enter into an IBR plan. I was constantly told I could only do a temporary " economic hardship '' or defer my payments. Over the course of the servicing period, I had to do BOTH economic hardships and deferments on my payments. Sallie Mae also attempted to claim I defaulted on a payment due to their own mistake ( luckily, I was able to prove to them that the payment was made and the mistake was on their side ).

In 2015, my loans were moved to another carrier in which I was able to consolidate the loans AND enter into an IBR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
On XX/XX/2018 I engaged SunTrust to wire money to a recipient in XXXX. The " date of availability '' listed on my receipt is XX/XX/2018. The money has not reached the recipient and the recipient needed the funds by the end of XX/XX/2018. SunTrust sent out a tracer request on XX/XX/2018 to find out what has happened to the funds. SunTrust has used XXXX XXXX XXXX as a " pay through bank '' and placed an inquiry with XXXX XXXX XXXX. SunTrust claims that XXXX XXXX XXXX has not responded to its requests for information. It is now XX/XX/2018 and I have not received any information about where the funds are and SunTrust says that they can not tell me when XXXX XXXX XXXX will respond to its requests for 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 2018-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
This account repeatedly appears on my credit file and it does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: PNC Bank N.A.
State: MD

Complaint narrative:
I opened checking account and Money market account with PNC bank in XXXX. According to the documents that I received then, there is no minimum balance requirement to maintain the checking account. I deposited {$290.00} on XX/XX/XXXX. On XX/XX/XXXX I deposited XXXX and paid online bill for XXXX in the amount of {$78.00}. In XXXX, I deposited XXXX. I have not received any paper statements pertaining to my checking accounts. In XXXX, I deposited {$1500.00} another deposit {$270.00}, balance in the account was XXXX. 
Just recently, I learned that the balance in the account is {$850.00} and that the PNC bank changed the balance requirement from XXXX to XXXX on XX/XX/XXXX ( significant change ) and changing it to a different account without my permission. I have not received any notification about this major change from the bank. PNC bank has been deducting {$25.00} per month due to insufficient funds according to the change in the balance requirement which I was not informed via any paper statement. 
Any financial institution has a Fiduciary responsibility with the consumer. 
I tried to resolve the issue with the PNC Bank in person and again this morning via telephone. The bank is giving me a run around and not taking any responsibility in resolving this issue, meanwhile they deducted another {$25.00} from my account this weekend after I started the inquiry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent an investigation request to Equifax on XX/XX/XXXX. THey are supposed to respond within 30 days. But two months have past, and I have yet to get a response from them. I got responses back from XXXX XXXX and XXXX weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. There is a serious issue of possible fraud, I am not associated with these following addresses please delete. 

XXXX XXXX PATH, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I became ill and was unemployed. I struggled making house payments and went through XXXX XXXX to get myself back on track. I was told to become delinquent and they could assist with modification. 

Once I was through the modification with XXXX XXXX, the loan was transferred to ShellPoint Mortgage Servicing. 

I am in the process of refinancing and was told by my lender that I owed a much greater amount then projected as I have a {$21000.00} deferred principal balance. I am confused as in 2014 upon approval of the modification, I have a document that shows my Principal balance as {$61000.00} - as of XXXX see attached. 

The payoff shows my principal balance as {$47000.00}, deferred {$21000.00} and a few fees which total {$69000.00}. 

I along with my lender have called numerous times to find out why the principal increased but no one seems to be able to provide a clear explanation or provide the documentation to show where the difference is coming from. They have indicated fees but have no idea what the fees are from as I was told the late fees from the past mortgage company would be forgiven. 

Nonetheless, before paying off Shellpoint, I need a clear explanation how the balance went from {$61000.00} to {$69000.00}. 

Any assistance would be appreciated as I am not able to get any where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I opened a XXXX dollar secured credit card with Wells Fargo in XX/XX/2016. In XX/XX/2016 my balance was XXXX  I called Wells Fargo and closed the account and told them to apply my XXXX to the balance. Close the card and send me the balance. I never received any money from them. I recently signed up for XXXX XXXX and found they have been reporting the account in a negative status ever since and eventually as a charge off. I want them to stop reporting anything about me to any credit bureau.

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 2018-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CO

Complaint narrative:
I have been over sea with my company from XX/XX/XXXX- XX/XX/XXXX. And I have a collection company Phoenix Financial Service Trying to collect a medical debit for {$2400.00} from XX/XX/XXXX I was never in a medical ins tuition. this is a fraudulent account and want it removed from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am an authorized user. I have been in contact with the Executive Office since XX/XX/2018. The account is not appearing on XXXX, XXXX, and 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 2018-07-09 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: NJ

Complaint narrative:
I sent transunion llc a dispute letter to which they had 30 days to respond to and they haven't.

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 2018-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JPL Recovery Solutions
State: TX

Complaint narrative:
This collector has been calling about a debt and been calling posing as a law enforcement agency for years and I would like for them to cease communication altogether and stop the harassment. They have yet to be able to provide information on the alleged debt and have threatened to either sue or arrest me which is illegal according to the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
What is the complaint? 
I have a property up for short sale and closing listed with a realtor since XXXX last year XXXX. The property has a buyer and all paper work and documentation for this transaction has been provided. I AM TRYING TO AVOID FORECLOSURE. And feel my mortgage servicing company ( Ocwen ) is not acting in good faith as a fiduicary. Also use delaying tactics of requesting the same docs over and over again, having uncertified realtors act as as appraisers to come up with an BPO or valuation price for the property, which is unrealistic based on the damage and required repairs, etc. The property is listed as under XXXX, but their valuation price is over XXXX. 
What problems are you having? 
Ocwen is not accepting our licensed and certified appraisal sale price report in making their approval decision for the sale of property. We want them to used the certified appraisal report in the decision and act in good faith as required by law. Also we need the cash incentive offer to help with our moving expenses to be allowed due to all the delays in processing our transaction. 
What happened? 
The mortgage servicer had BPO done twice by unqualified appraisers ( realtors ), My realtor and I requested a copy of the lastest BPO done by their realtor in XX/XX/XXXX, and they denied such a report exist. Although my realtor talked to their realtor at such property and say it was to be kept confidential. We need a copy of the lastest valuation report prepared by the mortgage servicer. I believe their BPO is  not a good faith estimate or fair market price. Certain factors such as damage and repairs should have been factored in determining the market value such as new roof, repair sewer septic tank system, garage door replacement, kitchen repair due to water damage and mold remediatation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i'am a capital one customer and also part of a reward program named drop. from XX/XX/XXXX till present I have not been able to access these points from my purchases using my Capital One card because they are not allowing third-party access and I would like them to allow third-party access on my account through drop thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: WA

Complaint narrative:
In XXXX of 2017 my grandma called to tell me a debt collector had called her and said I was being sued for an old payday loan. I called the XXXX number she gave me and someone claiming to be with automated accounts told me I was about to be sued unless I paid {$260.00} and some change asap. As I recal the scammer had my social security number too. I paid {$260.00} with my debit card which is a prepaid card from XXXX XXXX. 

I did not realize that was a scam until a few weeks ago when the real creditor called me and told me it had not been resolved. I looked up the {$260.00} transaction in my records and googled the XXXX number associated with the charge marked as Regional. It came up as a common scam. 

So i disputed the charge with XXXX XXXX. They came back 2 weeks later and closed the dispute telling me it had been over 120 days since the charge so they could do nothing. 

I am going to cut up my prepaid cards and not use them anymore if they are not going to even attempt to recover my stolen money.

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 2018-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: MD

Complaint narrative:
I hired a lawyer and sued XXXX XXXX XXXX XXXX for knowingly and falsely providing false information to PDM to provide to creditor reporting agencies. I provided proof that their information was erroneous and I exhausted every possible effort to resolve the matter with the XXXX XXXX XXXX, before suing them and securing this final judgement ( attached ), from the XXXX XXXX XXXX XXXX of XXXX XXXX, TN, against them. The information they issued to credit agencies against me is erroneous and I am requesting that this information/trade line be immediately removed from credit report/file. *Finally, please file this judgement against the 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
Consumer complaint received 2018-07-09 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: WA

Complaint narrative:
I opened a XXXX dollar secured credit card with XXXX XXXX in XX/XX/2016. In XX/XX/2016 my balance was XXXX I called XXXX XXXX and closed the account and told them to apply my XXXX to the balance. Close the card and send me the balance. I never received any money from them. I recently signed up for XXXX XXXX and found they have been reporting the account in a negative status ever since and eventually as a charge off. I want them to stop reporting anything about me to any credit bureau.

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 2018-07-09 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: WA

Complaint narrative:
I opened a XXXX dollar secured credit card with XXXX XXXX in XX/XX/2016. In XX/XX/2016 my balance was XXXX I called XXXX XXXX and closed the account and told them to apply my XXXX to the balance. Close the card and send me the balance. I never received any money from them. I recently signed up for XXXX XXXX and found they have been reporting the account in a negative status ever since and eventually as a charge off. I want them to stop reporting anything about me to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I opened a XXXX dollar secured credit card with XXXX XXXX in XX/XX/2016. In XX/XX/2016 my balance was XXXX I called XXXX XXXX and closed the account and told them to apply my XXXX to the balance. Close the card and send me the balance. I never received any money from them. I recently signed up for XXXX XXXX and found they have been reporting the account in a negative status ever since and eventually as a charge off. I want them to stop reporting anything about me to any credit bureau.

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 2018-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. 
There is a serious issue of possible fraud, I am not associated with these following addresses please delete. XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX , OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: AR

Complaint narrative:
The amount due on the loan for XX/XX/2018 was {$480.00}. I had requested at an earlier date that any overage be applied to the principal. I sent in a payment of {$1300.00}. The amount they applied to escrow was {$140.00}. The amount applied to the principal was {$780.00}. The amount applied to interest was {$420.00}. My interest rate is 8.24 %. The amount that should have been applied to interest was {$210.00}. The excuse they used for charging so much interest was they thought I was making two payments. I did call and they said that they would resolve the issue but my concern is that if this is a common practice other people might not catch this and end up paying more interest than they had agreed to. The company 's name is 21st Mortgage Corp. NMLS # XXXX, XXXX XXXX XXXX XXXX TN. XXXX.

Company response to consumer: Closed with explanation