vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-03 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I paid {$420.00} for a retreat, but immediately attempted to cancel it ( within the hour ), through PayPal. The reason for the cancellation was because certain details about the event made it difficult for me to attend. These details were revealed only *after* payment was made. I spoke to Paypal who suggested that I speak with the merchant about getting a refund. Through email correspondence, the Merchant agreed to a full refund. I provided Paypal proof of the email conservations I had with the merchant, granting full refund of {$420.00} but to this day, PP has refused to honor the refund. In addition, the purchase should have been eligible according to PP Buyer Protection refund policy. Also, the immediacy of my dispute was way in advance of the event and should not have posed an issue with PayPal or the merchant to reolve the issue. If anything, the transaction could have easily been written off as an incomplete. As clearly shown in email correspondance, the Merchant recognized that leaving out certain event scheduling details, could mislead customers and therefore, in my case, became an unusable product. I used PayPal for such transactions as a way to provide me with protection and resolve any disputes. I expect this amount to be refunded and retrieved from the vendor or PayPal in a timely manner. Thanks in advance for CFPB 's assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings
State: ID

Complaint narrative:
See previous complaint for initial details. 

My account was attempted to be debited twice. Speedy Cash stated in was " impossible '' for them to have attempted a second deduction. I sent bank information proving my account was attempted a second time, regardless of what they claimed in their answer. I received an email back from them stating they would refund " ANY '' fees associated with their error after 3 days. This was a contradiction to what they were stating before when they were refusing to issue a credit even though it was verified as an error on their side. 

Speedy Cash finally issued ONE {$29.00} credit, however, they failed to issue a second credit for {$29.00} and I have now incurred a {$10.00} Negative Balance Fee from my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pendrick Capital Partners Holding, LLC
State: CA

Complaint narrative:
I received ER services while covered medically thru service known as XXXX. A subsidy of XXXX. In XXXX XXXX County. I have told every single person who calls in the past 3yrs I was covered thru wat is known as XXXX, meaning I have no financial resources. I even called XXXX and was told by them to tell those who called demanding payment that I was covered. To call them and they could validate it. But when I did tell those tht called me, they refused to acknowledge this and then hung up. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I was served with a foreclosure complaint on XXXX XXXX, 2014. The alleged plaintiff is XXXX as Trustee for XXXX Master Participation Trust. However, the actual entity is XXXX TRUSTEE. This entity was created in XXXX, XXXX with an address of XXXX XXXX XXXX XXXX, XXXX. This is the same address for CALIBER HOME LOANS, XXXX MASTER PARTICIPATION TRUST, VERICREST FINANCIAL. Caliber Home Loans, the alleged mortgage servicer, is the real party who is executing this foreclosure. It appears that CALIBER has been foreclosing on many properties over the last few years using their bogus entity XXXX TRUSTEE. They alter the name to XXXX as Trustee. I contacted XXXX and they readily admit they have nothing to do with the foreclosure. XXXX says CALIBER Home loans is doing the foreclosing. I am sharing my research with all agencies, DOJ/FBI, XXXX Atty general, US ATTY GENERAL, XXXX ATTY GENERAL, and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Speedy cash without my permission debted my checking account twice. This unauthotized transaction caused my account to be insufficient. Spedy cash was suppose to cash my personal check not debted my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I was on XXXX and applied for a loan modification XX/XX/XXXX/XX/XX/XXXX to get the payments of 3 months attached to the back of the loan. The company would take 5-7 days to process any documents that were uploaded and then send out a letter taking another XXXX days asking for more documentations. I called several times asking for a list of everything they needed so that I could get it all done at once. It is now XX/XX/XXXX and the company is still asking for more documents. on XXXX/XXXX/XXXX Caliber stated the last thing Underwriting needed was an updated XXXX which was completed and uploaded on XXXX/XXXX/XXXX because it took them until XXXX/XXXX/XXXX to process it Caliber is now needing more documents and an application because as of XXXX/XXXX/XXXX the file was 90 past initial start. I have documents of over XXXX pages of uploaded documents they have asked for. I was also approved for XXXX california but because of my past due amount Caliber refused to approve keep your home california which would have given us assistance for up to 18 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
On XXXX/XXXX/15 I started an International Wire Transfer to XXXX at a Union Bank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Since the transfer was going to be sent to XXXX US Dollars were converted to XXXX XXXX After 72 hours that transfer was started I went back to the branch and I was told that the Wire transfer was not completed because of incorrect beneficiary information. I was told that if I decided to cancel the Wire Transfer I would be receiving less money because of the difference in exchange rate. I was never told that if I did not decided to cancel the wire transfer I would have gotten all of my money back into my account. Because the currency was changed back from XXXX XXXX to US Dollars, by cancelling the wire transfer I ended losing {$930.00} US Dollars

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Failed Mortgage modification with Caliber loans they actually made it worse

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Vion Holdco I LLC
State: CA

Complaint narrative:
I was sued by a creditor other than the original without properly notifying me of the lawsuit. The debt collector, Vion Holdings LLC, knowingly filed the lawsuit in a court that was outside the County where I live. After obtaining a judgment they were able to collect exempt funds ; levied my bank account for an amount that exceeded the original debt that had been timely disputed. They sent correspondence to me at my correct home address which enabled me to dispute the debt.The funds were seized while I was out-of-state to enroll my daughter at the University XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: WA

Complaint narrative:
The bank gives out bad financial advice. Recommended that I put money into an IRA account. Because of this advice I pay more in taxes, .. a lot more! The bank is unable to give me details of my account. Can not tell me if I 'm making money or losing money on investments. Can not tell me how much money I put into a investment account. Can not tell me the rate of return or how much the gains are of the account. I can only assume the bank is stealing money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
After several failed attempts trying to save our home it was sold on XXXX/XXXX/16 beginning in XXXX 2016. We contacted Caliber Home Loans and explained our situation at which point we begin the process of " loss mitigation with Caliber Home Loans. We were also advised by Caliber Home Loans to contact " Keep your home California '' which we did as well. We were notified at the end of XXXX that " keep your home California '' approved us for financial help and that a packet was being sent to Caliber Home Loans. XXXX XXXX we were notified by " Keep your home California '' that Caliber Home loans ( who referred us ) rejected the assistance that was being offed from " Keep your home California '' on the basis " Your loan servicer ( Caliber Home Loans ) has not approved your loan for participation in the Keep your home California program. 
Caliber Home Loans has not once offered any alternative to foreclosure. We have reached out to Caliber several times and requested assistance however none was ever offered. As a former customer of Calibers I 'm embarrassed and horrified by Caliber 's treatment of a customer who has done everything to try and keep our home. I was laid off XXXX XXXX 2016 and have been looking for work and trying to save our ( My wife and XXXX children ) home. 
I will be sending this along with the offer to assist letter from " Keep your home California '' that was denied by Caliber home loans, to anyone that is willing to listen. Councilman, Congressmen, Representatives, Federal Trade Commission & media outlets. I want my situation to help others unlike Caliber Home Loans. I have also included the approval letter from Keep your home California dated XXXX XXXX 2016, were assistance was denied by Caliber Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and observed that COMENITY BANK CONDUCTED A HARD HIT INQUIRY ON MY CREDIT REPORT THAT I DONT RECALL AUTHORIZING. I am requesting COMENITY BANK to provide me physical proof that I authorized the inquiry. If the fail to provide me physical proof of my authorization COMENITY BANK NEEDS TO CONTACT XXXX, XXXX, & XXXX and remove the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
My mortgage was sold XXXX to Caliber Home Loans after my bankruptcy. At that point I attempted to obtain a mortgage modification and this has been a year long process that has gotten me nowhere but further behind in my payments. No matter what documents I submit they ask for more. When they give me a list of needed documents, I submit them only to find out they need more. After my bankruptcy I began making my mortgage payments to keep the delinquency from growing and for XXXX months they accepted these payments and then all of a sudden they said they could not accept the payments anymore. Understandably the fines and fees continue to grow. On XXXX XXXX, 2015 I was told by their agent that if I came up with $ {$17000.00} and was willing to pay {$960.00} per month extra for XXXX year, we could settle the whole thing. I had to the end of the month to come up with the money. I called on XXXX XXXX, 2015 and all of the sudden the deal changed. They said they needed more money up front and could only finance the deficit for eight months. It seems as though they really do n't want to help me settle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX/Comenity Bank charges fees on fees!! 
I hold a XXXX credit card through Comenity Bank. I was charged a late fee when I paid off my full balance two days late. Although the payment made two days late was my oversight, that late fee was subsequently reversed, and as I paid my balance in full I was not expecting any further payments due. However, unbeknownst to me there were XXXX additional late fees charged as well as interest because of the initial late fee. There were no additional purchases made and the balance outstanding on the account was all fees and fees charged on top of fees. I spoke to a representative named " XXXX '' Id # XXXX and she was unwilling to remove the fees. I hope the principle of charging fees on fees is not one that XXXX nor Comenity bank condones. The amount is negligible, but the practice of charging fees on top of fees is reprehensible. I enjoy shopping at XXXX, and I hope this matter can be addressed expeditiously to keep me as a loyal customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
In In XXXX I purchased a 3 year cd from Union Bank which was to be linked to the S & P 500 index and have a minimum return of 2 % per year. If the S & P went up I was to get a return that equal to the amount of increase. If the S & P went down I was to get 2 % a year on my investment of {$100000.00}. The S & P index increased 27 % in that period and Union Bank credited my account for only {$4900.00}. I should have recieved about {$27000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
There is no way you can speak to someone when you call OCWEN. Their offices are overseas in XXXX and you can not understand them. My payment has to be in by the XXXX of each month. I mail the check each month now because they could not get the electronic payment done right either. They, this month XXXX 2015, want to charge me a fee of {$40.00} for their inability to process my paper check. When a check is received by mail, and of course with the US mail so messed up who can say when they will receive your payment.. I mailed my payment on the XXXX of XXXX they received and posted it on the XXXX, the check was to be deposited on the XXXX.AS IT WAS DATED so when it went through my bank 2 days early my SS check was not in yet and OCWEN charged me {$40.00} b/c their people do not know what they are doing!! and it was returned for non sufficient funds by my bank. I used to pay online and then they wanted to charge a {$10.00} fee for that as well. When you are on a set income it is hard to survive in this dog eat dog world. I have never missed a payment or been late with anything UNTIL OCWEN. Someone needs to go in and close their doors or maybe bring them back to the XXXX to be serviced.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I submitted a request for a payoff statement from my current mortgage company ( Seterus ) on XXXX XXXX. I am refinancing my home I have submitted many request as did the bank that I am refinancing with, We sent both email and faxed requests and I called and spoke to one of the managers but they do n't seem to want to cooperate.I 'm told when I ask that they are backed up sending faxes and emails. This is causing me a significant financial burden. 
When Seterus took over iur mortgage from XXXX we were in Chapter XXXX ( our mortgage was not included ) Seterus rated our loan incorrectly and that needs to be corrected as well. They insist that does n't make a difference but the bank we are refinancing through disagrees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
As part of a bankruptcy proceeding any American citizen is protected by Constitutional mandate. Bank of America has decided to follow a different course of action than any other creditor pertaining to my Chapter XXXX discharge of creditors. As I have submitted, Bank of America followed through a due process on my initial dispute on the carrying of balances on discharged debts. Bank of America re-inserted balances on XXXX ( XXXX ) lines of credit since they initially placed balances at XXXX from my initial dispute. 

Bank of America must file a release of any judgments filed against XXXX XXXX XXXX immediately in the county of my jurisdiction, XXXX County, New York. 

Bank of America must show a payment history of all late payments dating back from the inception of all accounts, and delete all accounts if a late payment occurred 84 months or greater based upon the 7-year rule mandated by the Fair Credit Reporting Act. 

Bank of America my XXXX out all account balances immediately as part of the bankruptcy judicial process, since under Federal Deposit Insurance Corporation ( FDIC ) Rule XXXX, the debt discharged through bankruptcy was listed as a sub-standard debt, written off or charged off by legal statute, and applied on a XXXX SEC quarterly filing on written off debt. 

Bank of America id " Double Dipping '' by maintaining balances on XXXX set of books, after applying all legal tax remedies through a XXXX SEC filing for written off debts. 

Bank of America must delete all aspects of past accounts if the XXXX month calculation is applicable, or the accounts will be considered re-aged, an FTC violation of Fair Credit Reporting Act protocol and Fair Debt Collection Practices Act processes on legal collection practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The school I went to was XXXX XXXX XXXX and they closed all of their North American schools due to false claims and wrongfully higher loans with XXXX XXXX. I have over XXXX dollars in student loan debt and non of my credits for my XXXX can be transferred to any school. This was a scam and they should be ashamed of lying to their students.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I was basically duped into thinking I 'd be able to get a job with my XXXX degree after graduation. My school refuses to hire me. I reached the student loan cap, so now I ca n't even go back to school for a useful degree. On top of that, Navient, which used to be XXXX XXXX, so I 'm pretty sure I did n't sign a contract with Navient, keeps sending me emails and ruining my credit score yet when I attempt to contact them on their website, my personal information is " wrong '' and when I called about it, the person on the phone said that was n't his job. Well I 'd like a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am unemployed and applied for the Keep Your Home CA program ; was a few days late with my XXXX 2015 paymt to BofA when the online payment system asked for a reason I told them I was working with KYHC. They started sending me home mod./foreclosure alternative paperwork via overnight XXXX and calling me daily and sending me letters requesting documents. I repeatedly notified them of the status and progress with KYHC and was even told at one point I would only be called one time per month for a status check. I am called at least weekly by " XXXX '' and asked the same questions. I received letters from her ; most recently one stating they will be receiving funds from KYHC, but she still calls me on XXXX/XXXX/15 wanting to know when they will receive XX/XX/XXXX Mortg. pymt. I am current! I have been current. I am current on my now second mortg.! She claims the letter is auto-generated ; has no clue what is being sent from her own organization ; calls and sends letters constantly ; I am current, they will get paid as always ; Bof A will never get my property ; why do n't they spend their money playing their precious employees to spend their time calling people who are behind? Or is all of America on time with their mortgage? I reached out to Bof A 3 years ago for assistance when I fell behind due to taxes owed ; since I was not underwater, they made my HELOC a second mortg, my fixed rate a 40 yr mortg. and now I can not refinance ; but I obtain help from KYHC and I can not get BofA to leave me alone. I am current and they will not stop calling and sending me letters, that is harassment! They had NOTHING for me when I needed their assistance, what possessed them to flood me with calls and modification paperwork once I informed I was working with KYHC? Less is more apparently. I will lean toward keeping them uninformed in the future. I have zero trust in the BofA. I can not wait to get on my feet soon with a job, repay KYHC what little I will owe them, sell this property, gain the equity I have in it and never again allow BofA to carry a home loan for me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief