vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a resident of XXXX, Texas. On XX/XX/XXXX, an individual posing as me went into a branch of Bank of America in XXXX, California, and withdrew {$4200.00} from my checking account. Then, within the same day, presumably the same individual went into another Bank of America branch in nearby XXXX XXXX, California, and withdrew an additional {$2000.00}. It has been suggested to me, within the limited information Bank of Americas fraud division has permitted, that the withdrawals were authorized upon presentation of a Texas drivers license and a bank cash card. At no time was I email, phoned, or texted to substantiate the authenticity of the individual before them. I find it unreasonable that the bank would issue sequential, large cash withdraws to an out of state customer on the same day without raising any alarms. To add insult to injury, the next day I received an emailed survey inquiring of my experiences when in their XXXX XXXX XXXX. 
I discovered the transactions on the next day, XX/XX/XXXX, when I went to my online banking to pay bills and found the money gone. I immediately called B/A ( Bank of America ) and reported the fraud. I was told the bank would have to conduct an investigation and, upon favorable findings, I could expect my money to be returned to my account in under 60 days. I was also given a claim number of XXXX. It was also suggested that I file a police report which I did ( incident no. XXXX ). A few weeks later when I called to check on the progress of the investigation I was told that they could not share information with me and that I should not expect my money back for 60 BUSINESS days or, in other words, not until XX/XX/XXXX. 
It has now been two CALENDAR MONTHS and I do not feel that B/A really needs this much time to conduct their investigation, if indeed they are conducting any such investigation. The only reason I can see to hold the money is if there were a suspension that I was a player in the fraud. I resent any such position. Upon my last call to B/A I was advised to just be patient and I would probably be getting my money back. I really resent the position by B/A that I may get my money back. I did nothing wrong except trusting my money to Bank of America. The actions taken by both of the California branches seem to me to be casual and disinterested in the security of my funds.

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 2019-12-04 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 — Problem with personal statement of dispute
Company: Auto Properties II, LLC
State: PA

Complaint narrative:
Ok on XX/XX/2018 a guy from XXXX came to Estimate hiw much it will cost for a tub replacement. He said I can get a discount if I provide him with my SSN which I did. Then he told me that I can not get the discount because I was not qualified for it. Come to find out he lied and it was for a finance check to see if I can get finance for the replacement. Well I reported XXXX and because of all the lies the guy told me, XXXX gave me the replacement for free which was a {$5300.00} tub free. Well I just checked my XXXX XXXX and it shows for hard inquiries that Hrac/Hampton Road for home improvement on the date : XX/XX/2018 still shows on my credit report which should not show because I never gave permission to check or apply for fiance that is why I got a free tub and the guy was fired to begin with. I contact Hampton at XXXX and they told me that because I signed the paper, they can not remove if my credit. I told him that I have XXXX  and that I can not read or write that will and that the XXXX  guy told me what I was signing which was not a financial or a financing paper. That is also why I got a free bath from XXXX   because it was a violation that they did agenst persons with XXXX from the ADA. Now I have to go though all this once more because this is showing up on my report which they had no business asked for in the first place. Now I thought my business with XXXX was over now I have to fight to remove this from my credit which I never gave them permission to start with. I am asking for {>= $1,000,000} for pain and suffering because I have alot of XXXX  XXXX and this is efficient this is a major way.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Credit card airline I have no idea whats this is! Its not mine I never did anything with a card but one

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 2019-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
About a year ago my Mortgage service changed from the company that I took my loan out with ( XXXX XXXX XXXX  ) to Flagstar bank. I didn't think much of this at the time but Flagstar bank has some predatory practices that are highly unethical ; if not totally illegal. Anyhow, recently I got a letter saying that my escrow account balance was short and that I needed to pay more to make up for the shortage ( of {$520.00} ). I thought about it, and having cancelled my escrow account before with a XXXX XXXX XXXX XXXX  for nothing and receiving a check for the balance of my escrow account on that previous occasion and then handling my own taxes and insurance, I oped to do the same. 

The problem came when I called the Escrow account call center division of Flagstar Bank and I was told by an representative named XXXX, managed by XXXX XXXX ( who was not available at the time to speak to me ) that the escrow account cancellation policy comes with penalty fee that is calculated by how much a lessee still owes on a loan. I did not like hearing that. When I asked him how much my fee would be he said in my case is would be almost {$500.00} and then they would send back the balance of my escrow account. 

This is wrong and what makes it worse is that I never asked to do business with Flagstar Bank and abide by their polices and alike. I don't want to do any more business with Flagstar Bank than I have to ; hence not wanting them to handle my taxes and insurance. And the fact that they are discouraging that with a fee/fine is proof that something is not right.

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 2019-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FED LOAN SERVICING has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
1 ) The mortgage servicer PHH Mortgage formerly Ocwen Loan Servicing, LLC had accepted and confirmed the submission for XXXX XXXX XXXX loan modification file on XX/XX/XXXX. 

2 ) PHH Mortgage formerly Ocwen Loan Servicing, LLC approved the trial modification on XX/XX/XXXX. Mr. XXXX made an completed all three trial payments dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ocwen Loan Servicing, LLC, currently PHH Mortgage did not send the final modification agreement ; however, Mr. XXXX always continued to make his payment with fail.

3 ) PHH Mortgage, formerly Ocwen Loan Servicing, LLC realized in late XX/XX/XXXX that the final modification was not delivered to Mr. XXXX. PHH Mortgage allegedly then issued the final modification agreement in late XXXX and asked for Mr. XXXX to send back immediately. The modification agreement was not delivered within the time requested for document to be returned. Instead Mr. XXXX received agreement in mid to late XXXX. Upon receiving Mr. XXXX then called PHH Mortgage, and explained the situation. PHH Mortgage representative XXXX id # XXXX confirmed with MrXXXX XXXX that they would accept the final signed agreement because of the mix up and he would have no further problems. 

4 ) Mr. XXXX returned agreement as instructed and continued to make scheduled payment. However, PHH Mortgage cancelled the modification because, documents were not received per date on agreement ; and set a scheduled sale date. Although PHH Mortgage representative confirmed agreement would be accepted, as it was no fault of Mr. XXXX for the delayed return.

5 ) When Mr. XXXX contested PHH Mortgage actions his funds were returned, and PHH has continued to push the sale date of XX/XX/XXXX. 

6 ) The actions of PHH Mortgage are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, PHH Mortgage violates the rule of RESPA AND ECOA, while failing to properly and timely provide Mr. XXXX with required documentation to complete modification, while discriminating against Mr. XXXX by not accepting said agreement. This practice violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.

7 ) As stated in the opening of this Notice of Error, Mr. XXXX complied with instructions provided by PHH Mortgage and continued to honor his payment commitment. However, a foreclosure sale date was scheduled, and final modification cancelled. As of XX/XX/XXXX, the sale date of XX/XX/XXXX remains on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On XX/XX/19 I made a payment of {$230.00} and the customer service rep said that by making this payment I would be all caught up because I was behind 1 payment. So he told me by making this payment I would be paying for XXXX and XXXX and my Monthly payment would be {$77.00} with 15 % APR and my fees would be waived. 

On XX/XX/19 I called to make my XXXX of {$77.00} and to setup autopay. The customer service rep confirmed my payment amount of {$77.00} a month and said my APR was 11.99 %. So I setup my autopay.

To my surprise on XX/XX/19 barclay drafted {$400.00}. Making my kids daycare payments overdraft. I spoke to the manager and Confirmed it was a mistake and that I would be receiving a check for the refund of {$400.00} and here we are in XXXX and I still have not received that check. 

There were XXXX purchases I disputed because I do not use this card I am trying to pay it off. These charges are still showing on my account. Why? 

Oddly enough my available balance is only {$100.00} how is this possible when Ive made over {$700.00} in payments?

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 2019-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: McCarthy, Burgess & Wolff, Inc.
State: NY

Complaint narrative:
I explained several times not to call to my place of work and they keep calling and is causing me problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EarnUp Inc.
State: NV

Complaint narrative:
I have been using XXXX XXXX now called Earnup to pay my mortgage at a faster rate. I have never had any issues with Earnup until my mortgage company was change on XX/XX/2019. Although I paid my mortgage payments to Earnup for XXXX and XXXX, my new mortgage company, XXXX XXXX  failed to receive the payments. It appears that the payments went to the old mortgage company but the problem has not been resolved. 

I have spoken to Earnup on several occasions regarding the situation and was told payments were made and went to the old mortgage company. I had requested on several occasions documentation from Earnup of the payment so I can show my mortgage company that the mortgage was in fact paid. I was promised that the information would be emailed to me. I have not received the needed documents and as a result I am two months behind on my mortgage payments and my mortgage company, PHH mortgage has filed a negative credit report. 



I believe that my mortgage payments made to Earnup were not used illegally and they in fact forwarded the monies to my mortgage company. Their failure to provide me with the documentation I needed has resulted in me receiving a negative credit report and late fees. I had explained the situation of needing this documentation immediately and on XX/XX/2019 was promised this documentation would be emailed to me in two days. I did not get this documentation. 

After being told by XXXX XXXX  that I am now out of the grace period ( 60 days when mortgage companies are changed ) and they have started legal action against me, on XX/XX/2019 I called Earnup. I spoke to a supervisor and was told they now will put a priority on my request but it will take at least 5 days to get the documentation. On previous calls to Earnup I had explained the importance of the situation to get the documentation and was reassured that I would get this documentation. 

I can not be compensated for the number of hours I have put into resolving this issue as well as the emotional toll this matter has taken on me. Had the needed documentation been given to me at my first request I would not be in a situation of being behind on my mortgage payment and receiving negative consequences as a result. I am having to make a formal complaint as I can no longer trust that Earnup will provide what is needed to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Coastal Credit, LLC
State: GA

Complaint narrative:
Due to my vehicle being totaled out, I paid the balance off for {$2900.00} on XX/XX/2019. I've reached out several times where each time a different story in reference to obtaining my title. I contacted Coastall Credit again on XX/XX/2019 to speak to someone in the title department and the representative stated XXXX was the only individual in the title department and she wasn't available at the moment. I received a call back by XXXX and was told I have to wait 60 days from payoff to see if the funds clear. I confirmed the bank has already deducted the funds from my account as to the information she started was incorrect. She then said that I could possibly retrieve the funds back however, after I called the bank, I was told that the merchant has received their funds already. XXXX then said that they have the title in hand, I asked for it to be released electronically, she refused. She stated that they're holding the title for 60 days from payoff and it will be mailed on XXXX XXXX, 2019 without just cause.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: OH

Complaint narrative:
The Company, Loan Depot, ordered an appraisal within their internal order process. When I received a copy of the appraisal, the value was underestimated at {$220000.00} primarily because the appraiser misrepresented my total square feet and room count as approved by the county appraiser. This resulted in many unfavorable comparables and a low evaluation. I refuted this with the Loan Officer and his manager and they both agreed to that analysis. My neighbor 3 houses away at XXXX XXXX with slightly more size and with noted wall and water damage to the 2nd floor SOLD her house for {$330000.00}. My neighbor same street with a black top driveway and no updates has a pending sale for {$280000.00}. The appraiser likely discriminated me because of my national origin and forcefully lowballed my value which resulted me in not qualifying for the loan I requested. I have repeatedly emailed both the corporate contacts and the individuals who handled my loan application and no one has handled the matter. The manager, verbatim said in writting " I agree with you, I think your home should have appraised for more than it did ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
I contacted the debtors on XX/XX/XXXX requesting my signature proving this to be my debts and or paid the accounts late. These companies are reporting this information to XXXX, XXXX, and XXXX without providing me information validating the debts, so this information has been reported inaccurate every month and have been reported to future creditors.This is causing me financial injury and stress because Im unable to acquire a new credit card, personal loan, and apply for a mortgage loan based on these false invalidated claims. I was also a victim of a violent car jacking in XX/XX/2016 where my purse and id was stolen and they have again fail to report that information on my credit report and the thief has even opened up new credit in my name repeatedly causing my credit report and score to be negatively impacted.

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 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I used a promotional convenience check. The expiration on the promotional interest rate of 0 % was XXXX. In late XXXX I realized the balance of the promotion was still virtually unchanged. I called to pay off the promotion balance to avoid the future interest on this balance. I was told that I could not pay on the promotion balance even though I had already paid the minimum due on the higher interest rate balance because of their algorithm. The promotion gives you 0 % interest for a limited time as long as you pay the balance within that limited time. However none of your payments go towards that balance and I was not allowed to pay that balance without first paying all the higher interest balances on the account. This is locking me into a high interest rate on this balance and unfairly leaving me no options to pay the promotion balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2019, I filed a compliant with CFPB against Citibank. Two days later Citibank Engaged in immediate retaliatory actions and lowered my line of credit from {$21000.00} to current outstanding balance of {$9700.00}.

According to Citibank this was based on a recent review of my credit reports which shows a substantial number of debts owed to other creditors. 

This makes no sense due to the fact when Citibank increase my line of credit to {$21000.00}, the same amount of debt if not more was showing on my credit reports. 

In addition, during the same period I paid down credit card debt by {$5000.00} dollars therefore if anything the line of credit should have increased. 

I had been with Citibank for over ( 8 ) years had never missed or been late with any payments. Citibank decision to lower my line of credit was based solely on Retaliatory action for filing a complaint with on CFPB.

I want CFPB to through investigate Citibank and enact or enforce laws to protect Consumers from this type of abusive practice designed to discourage consumers from filing complaints with your organization. 

Citibank engaged willful misconduct with full knowledge decreasing the consumer line of credit had an immediate impact and lowered the consumer 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 non-monetary relief
Consumer complaint received 2019-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The Transunion Credit Services website design causes the consumer to signup for their credit monitoring services when they are just trying to pull their individual credit score.

The website is designed to have the applicant become a ongoing member instead of a 1 time information seeker. This is bait and switch. 

The design is intentional.

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