vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We are filing a complaint against our mortgage lend er Wells Fargo ( WF ) for esc row distortion and intentionally forcing our loan into delinquency due to inaccurate adjustments to the loan payments.   After an escrow analysis had apparently been performed on our loan, it was decided by  WF, th at our payments would increase from {$1300.00} to {$1400.00}, this {$110.00}, increase strained our finances because we had already lost approximately {$600.00} in social security income that we once received for caring for our sons special needs. Since these benefits have stopped almost 1 year ago, it was near to impossible for us to keep up with these increases.   Due to the statutes under the Home stead exemption program, we are exempt from paying any county taxes and our mortgage l ender WF, has errone ously increased our payments overtime due to tax disbursements which they have made to  XXXX  County on our behalf. Our home is also located outside of the nearest considered city limits which allows us not to pay any city taxes as well.     We are requesting that these corrections to our escrow accounts be made right away. Furthermore, WF, has threatened to place our loan into foreclosure on  XXXX   XXXX ,  XXXX , if we do not pay all of the outstanding balances of our loan.   We have raised previous grievances regarding this matter on  XXXX   XXXX ,  XXXX , and nothing was done to correct this matter then.   Modified - - - XXXX  c harged to acct.   Payment changed from {$1300.00} went to {$1400.00} * XXXX .  XXXX ,  XXXX  -- {$1900.00} *Last paid  XXXX   county tax (   XXXX   XXXX ,  XXXX  {$1800.00 } )

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 2017-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Senex Services Corp.
State: VA

Complaint narrative:
The company  is Senex Services Corp.and th e debt is in the amount of  XXXX . I was never contacted about this debt by mail or any other source, but it appeared on my credit report. I requested validation from this collection agency and I was sent a detailed description of services rendered with an incorrect address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc.
State: FL

Complaint narrative:
company keeps calling saying that they are collecting a debt. They will not tell me who they represent and ask for personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone used my atm card to withdraw funds without my permission. I went to the bank and requested a copy of the recording so I an see who was withdrawing the funds they said it would take 10 business days. I waited the 10 business days. and went to the bank and they clearly showed me a picture of some young women withdrawing funds from my account. It clearly was not me. They filed a claim which took 15 days. The claims department denied the claim because she had my atm pin number. I have no idea how she got it but according to them it had to be someone who spent the night at my home and must 've gotten the information when I went to sleep. My husband and I both senior citizens and that never happened and we do n't have security cameras in our little apartment so for them to make that assumption was ridiculous they are refusing to answer the claim, I asked for a copy of the picture so I can take it to the police, apparently is not company policy for them to give me a picture of the thief. I am on XXXX and have had to borrower money to meet my bills the transactions are as follows XXXX-2017for XXXX, XXXX again XXXX twice and XXXX for the third time XXXX XXXX and XXXX XXXX for the 2nd time XXXX XXXX Please see attached bank statement maybe they could give you a copy of the picture that shows the woman who stole my money was no more than XXXX years old. Please help me retrieve my funds as bank of America is being unreasonable.

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 2017-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In  XXXX    XXXX  , while a checking counter at a  XXXX   Sam 's Club ( No.   XXXX  ), the cashier suggested that I might qualify for a store credit card with a 5 % cash back benefit. I mentioned that I was not interested in just a store card, rather I would be interested only if the card included other benefits including cash back on purchases. She assured me that was the case. I told her to go ahead and apply for the card for me. I gave her my personal information as well as my Club membership information. I was approved within minutes and I used the card immediately for the store purchases.     A few weeks later I received the card in the mail and kept on using it at the Store and nearby Wal-Mart. I noticed it was a store card and was only limited to the  XXXX  stores. After the first and second statement cycles, I also noticed there was n't any cashback credited to my account. On  XXXX   XXXX , I called the SYNCHRONY BANK, which owns the card. I explained my disappointment and inquired if there was an error or a kind of bait and switch.     I was shocked to learn that even though the store clerk explained that they were applying for me a card with cash back benefits, they automatically applied for a second card without benefits once the first application was declined. So when I was approved it was the second card from the same bank and not the one I had originally applied for. Worse, they never told me that was the case, rather they went on to apply for the card that I did not agree to nor consent to. The Bank representative said there is nothing they can do except file a complaint on my behalf. There seems to be no recourse with the Bank  or Sam 's Club.      This is highly irregular to open a customer account different from the one offered without giving the customer the opportunity to decline. It is possible the store card are less popular so they bait customers with cash back credit cards and then switch them when they do n't qualify to the more beneficial card for the customer.     I am afraid to cancel the card after using it the last two months, fearing it might impact my fragile  credit score.

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 2017-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ORG GC GP BUYER, LLC
State: AZ

Complaint narrative:
I receive cold calls from debt collections needing for me to pay for a loan im unaware of what it is and they will not give me any other information as to who is needing the money. I informed them I only have to  XXXX  types of loans and that is a federal and a private. They explain the loan that I have is neither regarding my educational loan and unbeknownst to me is absurd. Now my wages are being garnished by a collection agency who can sent a doc in regards to the loan terms in which I had explain I received when I was attending  XXXX  College. It is currently being handled by  XXXX . I constantly monitor all my loan payments one which is through  XXXX  and the other is through the FED. It is a scam how I cant see who the creditor and the requesting entity needing their payment. I need help asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
Hello, I applied for a installment loan with Ch eck n Go ar ound and I have ma de 16 pay ments in the amount of {$120.00}.     I have had previous loans with this company and they usually take their money at the beginning and interest.to interest. I went into the  XXXX  different locations to determine why the payments are not being applied to principle.  XXXX  at the  XXXX   XXXX   XXXX  location says its in error and that I needed to have corporate correct the issue. I have called several times to corporate and unable to get a live person. I need help otherwise I will never pay this loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I 've made investments with a company thinking I was taking steps to owning my own business. But it turns out to be fraud and I contacted the merchant for months asking for a refund and the said they have nothing of mine on file. I 've called my bank and my bank said the can not help with my dispute its out of there reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Firstsource Business Process Services, LLC
State: KY

Complaint narrative:
This company stated they have attempted to send my records to validate my debt and I have received nothing in relation to this collection. One Advantage LLC is a third party and having medical records is a violation to my HIPPA rights.   I am allowed under th e Health Insurance Portability and Accountability Act ( HIPAA ) t o protect my privacy and medical records from third parties. I do not give any provider permission to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore I request my release of HIPAA authorization.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: LA

Complaint narrative:
The company, FedLoan Servicin g ( " FedLoan '' ), is se rvicing my federal student loan. I am making payments und er the Public Service Loan Forgiveness Program and having  a payment each month under the Income-Based Repayment Plan is the only way for me to be able to afford the payment. And, I want to qualify  for Public Service Loan Forgiveness as soon a s possible.     FedLoan advised me that the date for recertification of my student loans was due by  XXXX   XXXX ,  2017.   The documents to recertify were submitted today (  XXXX   XXXX  , 2017 ) an d while on the phone with FedLoan I was told via phone that my  XXXX   2017 pay ment may not be under the Income-Based Repayment Plan amount because of processing delays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In  XXXX   2017 I su bmitted all requir d annual documentation to re-certify my participation in the REPAYE payment plan with student  loan manager NAVIENT.  However, instead of putting me back on the REPAYE plan they automatically puts in th e IBR pla n which has higher monthly payments. They put me in IBR even though I submitted documentation saying that I wanted to remain in the REPAYE plan.this was  XXXX     2017.  Since  XXXX , I have called them on at leas t 5 sep arate occasions requesting that they put me back on the REPAYE plan. It is now  XXXX   2017 and t hey still have n't put me back on the REPAYE plan -- they actually removed me from any income based plan and my monthly payment has shot up frlm  XXXX  a month to  XXXX  a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Multiple unauthorized inquiries from   XXXX   XXXX   XXXX  ,  XXXX ,  XXXX , and  XXXX   XXXX   XXXX   XXXX   XXXX ,    2016 to   XXXX   XXXX ,  2016 listed  on my Transition credit report. Contacted Transunion and they said they ca n't remove them. I do not recall giving consent to have my credit pulled.

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 2017-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed claim XXXX identifying the principal and interest amount used in my appeal for the denial of a home loan modification was incorrect. The response that Well Fargo provided still listed the incorrect information. I am attaching documents which will confirm my original complaint. Attached you will find : 1 ) Denial letter from Wells Fargo dated XXXX XXXX, 2017 ( 4 pages ) ; 2 ) Appeal request form dated XXXX XXXX, 2017 ( 1 page ) and related attachments, [ description of reason for appeal ; Net Present Value Input Data Values -- please note # 16 that describes the product as " Fixed-Rate '', which this is a " Pick-A-Payment '' loan, and # 22 which list the Principal and Interest amounts incorrectly ; and remaining pages are Mortgage statements that I have received from Wells Fargo that verifies that the amount of {$3900.00} does not include principal ]. As I have continued to state, and is verifiable by the statements that I have received from Wells Fargo, the  Principal and Interest amount at the time I filed for a Loan Modification was : {$5200.00} ( Principal amount : {$1000.00} ; Interest amount : {$3900.00} ) NOT {$3900.00}. This has been an ongoing issue for the past 5 months. Hopefully with the attached documents, Wells Fargo will be able to recalculate the NPV using the correct 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 2017-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I discovered XXXX checks from my ESCROW OVERAGE account that I had n't cashed. I have gone to all steps & measures to get these reissued. See 9 pages of documentation. I was never notified the checks were not cashed, nor were the funds turned into the State of IL. XXXX XXXX XXXX XXXX XXXX XXXX were bought by Citibank. I was finally able to track down the mortgage & they found the info & instructed me to send the info so they can reissue the checks. Since then, I have received nothing but a run around of excuses of why they can not reissue the checks. They keep instructing me to contact XXXX XXXX XXXX or XXXX XXXX back which are now dba as Citibank & Citimortgage. I keep telling them you are them, then they tell me either the checks part did n't get transferred to them or I signed off the mortgage & there is nothing they can do. # 1 The checks are from ESCROW OVERAGE. # 2 The  monies were an asset that got transferred somewhere. Generally in a sale all assets & liabilities get bought. # 3 If they have all my other info on my loan & a # was assigned to it & the 1st 2 people I talked to walked me through it & told me what to do, why ca n't I get these reissued as they said would happen. I have contacted my bank ( & gone through all old records with them ) &  government agencies & they all tell me since it is ESCROW OVERAGE money they should be reissued. I am at a standstill with Citibank/Citimortage/Citi group.

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 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
I am a   XXXX   XXXX   XXXX  working with the borrower,  XXXX   XXXX . His loan is with  Fay Servicing. I submitted a loan modification request to Fay   XXXX / XXXX / XXXX . They have been continuously requesting documents since that time, which we have always provided and they never provide a decision on the file. As of  XXXX / XXXX / XXXX , I received communication from the assigned single point of contact,  XXXX   XXXX , stating that the most recent documents we submitted were received and were under review. Now, my clients just received a notice of a foreclosure auction date of  XXXX   XXXX ,  XXXX . There are several violations here. First , Fay has taken well beyond the 30-day ti me frame for making a decision on the file, which was originally submitted  XXXX / XXXX / XXXX . Second, scheduling an auction while the  XXXX  's are still in active review for loss mitigation is clearly a violation of the CFPB 's prohibition on dual tracking. I have advise d Fay of my concerns by leaving three voice mails, sending three  emails, and calling numerous times. My calls and emails have been ignored by  XXXX   XXXX  and all others contacted at Fay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I opened a Santander checking account with their {$220.00} bonus offer  (  promotion code  XXXX  ). I met the direct deposit requirements and have not received my promotional bonus.

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 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Financial LLC
State: MN

Complaint narrative:
This company called using my name and threatened to see me or my son in court. I laughed them off and said go right ahead - thinking, " this is a scam ''. I looked up the number and found it to be a real company so, I called them back to complain about the threatening tactics being used. I spoke with the same individual as the first call. He informed me, " it 's a good thing you called back '' - again implying that he was going to get me. When the company representative gave me the full name of the individual he was looking for it was established I was not that person and the person he was looking for had put my number down as a secondary contact number ( not sure I believe that ). These people threatened me without any knowledge I was the person they were looking for and given their business I fear what might happen to my good name and credit rating.

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 2017-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I received notice of a lawsuit from Cooling and Winter on XXXX XXXX, 2017 for an XXXX card balance {$920.00}. I contacted them and because I did not want to have this dragging out or have to go to court, I discussed with XXXX XXXX XXXX, a possible settlement. I contacted the gentleman within a day, indicating a family member would assist me but could only give us {$400.00}, we agreed on a settlement of {$500.00}. I never received a letter indicating same. A settlement letter was sent to me for the amount of {$650.00}. Every time I contact the office I get the run around. I was told the letter would be sent, it was never received. When I called back I was told it could be emailed and would be received by the end of the day. It was never received. I contacted the office again on several occassions and every time there was an excuse. I have been told it has been sent and I have been told it was not sent - all by the very same individual as he is the only person I have spoken to at the law firm. I have been told there is a backlog and I was also told because in my answer to the court I disputed the debt, it had to be cleared by the original debtor, XXXX XXXX and they could not send the settlement letter. I contacted XXXX XXXX and was told they could not provide any information. It appears they are deliberately preventing me from resolving this matter by giving inaccurate information. Thank you for your assistance. I do not know whether or not the amount in question is correct, but I do not want to be hassled by these dishonest people any longer. This firm is known for and has previously been sued by federal agencies for dishonest collection practices and now I am another victim. They have never provided any proof of contract in addition.

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 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: IL

Complaint narrative:
Someone opened an XXXX XXXX XXXX account in my name and the account is fraudulent. The account has a balance of {$250.00}. It was opened on XX/XX/2016. I have filed a police report and have spoken with XXXX XXXX XXXX regarding this matter. Hopefully it will be resolved soon.

Company response to consumer: Closed with explanation