vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Social Finance, Inc.
State: TX

Complaint narrative:
I applied for a refinance mortgage with SOFI ( # XXXX ) and was declined last minute via phone call. I spent nearly 3 months with them submitting documents and sometimes waiting weeks for a response. After the last call from my processor ( XXXX XXXX ) I did not received any other communication from them. I recently learned SOFI called my property insurance company, XXXX, in XX/XX/XXXX and  requested they change the Mortgage Company to SOFI and  to send the bills directly to me. Due to this error by SOFI, I just received a notice of cancellation from XXXX. My current mortgage company is XXXX XXXX XXXX and I pay escrow for taxes and insurance. XXXX stopped billing XXXX due to SOFI 's request. XXXX has been using a 3rd party showing my insurance was past due and has been paying it monthly but they have been paying late. Therefore, XXXX sent a notice of cancellation. I also learned that SOFI requested an expedited payoff demand from XXXX and I was charged {$30.00} for the request which was refunded to me by XXXX after I explained what happened. I am complaining to the CFPB because SOFI 's actions do not seem right. I also find it hard to accept that XXXX would make such a change without my knowledge. I do not believe SOFI followed current TRID rules as I understand them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
This seems to be the only way I can get a response out of Wells Fargo, I do n't have access to my account, I have tried writing to the following email address they gave me : XXXXXXXXXXXX but I never get a response. I have tried TTY and using an IP Relay but we either get disconnected, ca n't get through to a person, the customer service agent does n't quite get IP Relay or gets frustrated, etc It 's a never ending stream of problems trying to contact Wells Fargo. I 'm XXXX and XXXX, whenever possible I prefer online correspondence but Wells Fargo is n't on board with this century I guess. In any event in XXXX 2017 I opened an account with Wells Fargo because of a promotion they were running, in XXXX 2017 I got a settlement check from an ADA lawsuit, it was too large to do via mobile deposit so I sent it to a friend to deposit on my behalf because there is n't a branch anywhere near me, I ca n't drive/do n't have a car, getting out is extremely difficult, and so on. So far no problems but then without warning Wells Fargo freezes my account with no explanation as to why, I ca n't get through to find out how to resolve it, I have offered to send them my SS, birth cert, bills with m address, etc, whatever they may need to identify me but the few times I 've gotten a response via BBB or letter in the mail they only say that they ca n't help me until I come in. Even though I have explained over and over again that I PHYSICALLY can not come in, it is an impossibility and they have offered zero alternative. Because of the numerous problems I have requested that they send a check for the remaining amount in my account ( {$4000.00} ) and close the account. I paid a guy {$50.00} to come to my house and notarize all of Wells Fargo required papers to close an account without coming in. Exception Payments contacted me via mail to tell me that more information was needed, they suggested I either come in or contact at XXXX, as explained multiple times over there is no way shape or form that I can physically go in to a branch so I tried calling the number via IP Relay and could n't get through to anyone. I have mailed them a close request once again, it was sent with the notarized form that they require, as well as a copy of my XXXX ID and birth certificate. What they are doing is wrong on so many levels, I 've never had so many problems with any bank or institution. <P/>I just want my money sent to me and the account closed, I have no intention of ever doing business with Wells Fargo ever again.

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 2017-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
In XX/XX/XXXX I sold some digital game codes on XXXX. Every code sent had the buyer confirm that understand they were a code before being sent, and all codes have a XXXX e mail showing they were authorized, the code was sent, and in two cases the buyers issued glowing reviews. Soon after a few complaints were raised at Paypal saying the charges were not authorized for the codes. I sent the proof to Paypal as well as contacted the buyers and XXXX. XXXX said this was not their issue and to deal with Paypal. I have had multiple contacts with Paypal via email, EFax and phone. <P/>One supervisor a week ago at Paypal agreed with me and issued some credits back. The issue is Paypal is giving full refunds and hitting me with a XXXX fee per transaction. They are saying that Digital codes are not covered under seller protection. They are of course keeping their transaction fees on the non covered transactions. The issues have continued and a Paypal rep today said that I had proven the transactions were verified and shipped yet they will not overturn the fees. They state it is the customer 's bank or card company issuing the fees. I have asked multiple times for that contact information so that I and my bank can dispute them directly and they have refused multiple times. I have also been contacted by an XXXX member who said there is a fraud ring going on with digital codes and he named two of my buyers without any information from me as people who have frauded him. XXXX and Paypal have been given this information and still refuse to act. They now have my account XXXX in the negative with two more pending and are demanding I pay the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Netspend Corporation
State: VT

Complaint narrative:
I am on XXXX XXXX XXXX and receive a direct deposit on my NETSPEND card monthly. I received my XX/XX/XXXX deposit on X/XX/17 of 2017. I went to the ATM and withdrew only XXXX of the XXXX deposit. Imediatley came home to pay my utilities via telephone with my Netspend card and was declined. I called Netspend to check my account balance and had XXXX and change left. I then received a mobile text alert that said there was a money transfer to XXXX XXXX in the amount of XXXX and a XXXX fee for the transfer I did nor=t authorize. I imediatley reported this to the Dispute Claims department at Netspend. I received a reference number, claim number and contacted the Better Business Bureau..to file this complaint. I was told by Netspends fraud department 2 days after filing the dispute that I was in fact a victim of fraud and they had to close my account because my safety and personal information had been compromised. The fraud department rep I spoke with admitted to seeing that multiple numbers from California had called, checking on the status of my deposit since X/XX/17. That the frauders had my D.O.B., social security number and even tried to change my PIN number. She also admitted to knowing about XXXX XXXX fraud ring occurring at the present time. I was TOLD I WAS A VICTIM, yet they refuse to refund my money. As far as I can tell, the investigation has been verified to be a legit case of a Money transfer scam and Netspend refuses to talk to me now. I called them to give them an updated email address and was told I could NOT be connected to the fraud department or the Dispute Claims department, as I had to wait for the investigation to be complete which is 56 days away..I am on a fixed income and facing serios hardships due to their bad business practices. My utilities will be shut off in 2 weeks and have no other means of financial help. I have contacted the Better Business Bureau ... .and just today I received a call from Netspend , stating I can no longer receive their services. The mans name was XXXX. I am serious about my financial hardships from this and need to be contacted and/or advocated for in this matter ... My home phone is XXXX and my email is XXXXXXXXXXXX ty

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 2017-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, 2017, XXXX, California Wells Fargo Bank Representative, XXXX XXXX said that a {$100.00} bill that I presented at the Bank looked counterfeit because, " It does not have the security strip and ( he ) could not feel the raised marking on the bill. '' He confiscated the {$100.00} bill and had teller XXXX XXXX # XXXX fill out a receipt that did not contain the bill 's serial number or any other marking that would attribute that specific {$100.00} bill to me. <P/>I challenged XXXX XXXX because i had reviewed the bill and noted that it was an older, worn {$100.00} bill that was printed prior to the insertions of the security strip, but the paper was checked out as good and there were no bleed through indications that it had been printed from a lesser bill. XXXX XXXX agreed with this but said that since it did not have a security strip and he could not feel the raised markings, he was going to confiscate it. Then he became a jerk and said that he did not have to give me anything other than the receipt and tried to bully me saying, " I thought you checked the bills ''. <P/>On XXXX XXXX, 2017, I filed a claim # XXXX with Wells Fargo Bank. On XXXX XXXX, 2017, I spoke with XXXX at Wells Fargo Bank complaint division who said the previous complaint had been closed out with the previous representative stating that the XXXX Branch Manager would call me. I never received any call and my caller ID would indicate it I had. <P/>I filed a second complaint on XXXX XXXX, 2017, Claim # XXXX with XXXX who later called me back to say that the XXXX Branch Manager would contact me. Again, I have received no call from the XXXX Branch Manager. <P/>As of today, XXXX XXXX, 2017, I have not received any communication from the XXXX Branch Manager, Wells Fargo Bank, nor have I received my {$100.00} back

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 2017-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
In XXXX of 2016, while reviewing my credit report, I noticed a collection from XXXX XXXX XXXX for XXXX in the amount of {$700.00}. Upon further investigation I found the account was open with an address I never lived at & the social security number used was similar to mine. The 5th & 7th digits were incorrect. I immediately filed disputes with XXXX & XXXX. Both agencies responded " Result Verified-No Changes ''. I then filed an Identity Thief Report with the FTC and sent letters to XXXX request they provide copies of the paperwork used to open the account ; copies of bills with phone numbers called ; any & all information showing when, where & by whom the account was opened. I filed a total of 8 disputes with the Credit Bureaus & all that was resolved was the wrong. They continued to claim the account was mine, but stated they COULD NOT provide me with any information regarding their investigation. XXXX never responded to my letters. Today, I received a collection letter from XXXX XXXX XXXX How I need to start the letter writing process with Convergent.

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 2017-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
XX/XX/17 - I applied for an American Express Blue Cash Everyday Card. <P/>XX/XX/17 - I received a denial letter from American Express Blue Cash Everyday Card. They stated American Express cancelled your previous account ( s ). <P/>XX/XX/17 - I informed American Express that I dont remember previously having an account with them and asked they send me a copy of the account ( s ) including : Name of account ( s ), Account  numbers, Debt ( s ) and Dates on the account. <P/>XX/XX/17 - I received a second letter again stating American Express cancelled your previous account ( s ). <P/>XX/XX/17 - I again asked them to submit me proof that I ever had an American Express account by sending me : Name of the account ( s ), Account numbers, Debt ( s ) and Dates on the account. <P/>XX/XX/17 - Again they ignored my second request for proof from a previous American Express Account and stated they would request Experian to suppress the inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery calling me every day like seven times a day. My cell number is register to do not call service, but they keep calling from diferent telephone numbers. They already suit me, but they insisting and keep calling some times three times in a roll ... from XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I 'm a seller on XXXX. I have sold a few products with no problems. Today I sold a cell phone for XXXX dollars XXXX dollars shipping. After getting the product ready to ship I went to pay pal to confirm payment. I see that pay pal is withholding funds for no reason at all. Now I do not have access to funds in order to ship the product out. I see no reason to withhold funds after I have already made successful sales previously other than Paypal wants to keep my money for as long as possible. This amounts to theft, they have given me no reason to withhold money on this transaction other than there could be a potential problem. I have given them no reason to suspect there will be a problem. This practice needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank is reporting to XXXX an open XXXX balance on a paid off closed 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 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is reporting to Transunion an open XXXX balance on a paid off closed 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 2017-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
According to HUD guidelines ( see 24 CFR 203.604 ), a face to face home visit was supposed to occur prior to the start of foreclosure activity being conducted by Wells Fargo. Initially a certified letter should have been requesting a face to face visit. Then a Wells Fargo representative is supposed to come to the home to make the request in person. This did not occur. HUD guidelines are very clear that this must happen before a foreclosure filing can happen.

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 2017-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I graduated University XXXX XXXX in XX/XX/XXXX during this time XXXX kept pressing to take out more loans putting pressure on you in order to graduate. After graduating the job market fell I could only afford so much but XXXX XXXX now know as Navient kept pressing me to put it in forebearance. I had to do that up until XX/XX/XXXX when I finally got a job and I have to keep calling and spending a lot of time on the phone to keep my payments low. They asked for {$180.00} a month so I was paying {$200.00} with my last payment as of XX/XX/XXXX only to receive an email stating that my payment was due. I checked the website and I also called to find out that my payment had been reinstated and that aTotal Payment Due : {$800.00} Current Amount Due : {$500.00} and I have a Past Due Amount : {$290.00}. The customer service rep I talked to said that my 2 year lower payment time was over but I had never received any notifications from them and they always add late fees and if adding up late fees from all the previous times they have done this to me it will add up to over {$2000.00} in late fees when I was never late with one payment. 

This does not include the fact that they increased the interest rate from 2.65 % to 6.8 % so when I asked about that she stated that is because I could not pay the amount they want for 6 XXXX loans they carry. When I commented on the interest and stated to this rep " So they pretty much just raise the rate when they feel like it because you can not pay the large payment they request every month '' Her answer was yes they do so I think they need to be investigated for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I applied for the XXXX VISA card this afternoon to take advantage of an offer that would give me {$50.00} off of the airfare I was purchasing through XXXX. The credit card was offered through Barclays. I completed the online app and was approved and the screen instructed me to click on the accept button to proceed with the purchase ; however, when I advanced to the next screen it asked me for a credit card number. I never got the new credit card number, so I called Barclays and they told me that they were unable to give me my credit card number for security reasons and that I would have to wait to receive my card before I could make the purchase. I then requested that the account be closed, because I only wanted it to make the airfare purchase. The customer service rep then proceeded to ask me for my account number so she could close the account. I explained to her that that 's the reason I was requesting it be closed. She said there was n't anything they could do about the website because it was XXXX 's website, but I told her it was Barclay 's card, to which she agreed. It was clearly false advertisement, so I bought the plane ticket through another company and hope that Barclays closes my newly established 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 monetary relief
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received an Escrow Review Statement from Wells Fargo Bank on XX/XX/XXXX that indicated my escrow account has a shortage of {$8600.00}. Perusing the Statement, I discovered that only {$170.00} had been taken out of my mortgage payment of {$980.00} per month, an amount clearly insufficient to pay the escrow items of {$6000.00} in property taxes and {$1000.00} in insurance ( for a total of {$7100.00} ). Because my home is located at XXXX XXXX XXXX, which is within the city limits of XXXX, TX ( in XXXX County ) but is physically located in XXXX County, it is assessed for property taxes by entities from both counties. Looking at the Escrow Account history from XX/XX/XXXX to XX/XX/XXXX, I noticed that only {$1200.00} had been projected for the XXXX County portion of the property taxes ( instead of the actual {$4800.00} ), and that {$0.00} had been projected for the XXXX County portion ( instead of the actual {$1200.00} ), a gross underestimate. As a retired XXXX and XXXX veteran on a fixed income, I could have paid the {$1400.00} monthly mortgage which would have prevented this shortage. I have contacted Wells Fargo to address this situation, and they have offered to allow me to repay the shortage over 24 months, at {$1600.00} per month. However, I feel that since the Loan Officer was made aware of the {$990.00} per month rent I was paying before purchasing my current home ( the purchase closed on XX/XX/XXXX ), he made certain that the mortgage payment was similar, in order to increase the attractiveness of the loan. The home is not a new construction ( it was built in XXXX ), and the property tax rate actually decreased from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX, so uncertainty about the property tax rates during the closing process is unlikely. On XX/XX/XXXX, I notified Wells Fargo that I had successfully challenged the valuation of the property, lowering that amount by approximately {$40000.00} and had added both a homestead exemption and a XXXX veteran 's exemption, with the result that my XX/XX/XXXX property taxes will be reduced from the {$6000.00} paid in XX/XX/XXXX to {$4600.00} due in XX/XX/XXXX, so the escrow portion of the mortgage could be reduced to {$470.00} per month ( disregarding the shortage amount ). Since the shortage is due to a " miscalculation '' by the Loan Officer, which " happened '' to give a mortgage payment {$0.00} less than my monthly rent at the time, do I have any recourse available to address 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 monetary relief