vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Two checks were deposited into my wells Fargo checking account on the XX/XX/XXXX from a loan company one for {$700.00} and, one for {$700.00} that were counterfeit causing my account to go negative.I talked to fraud department at wells Fargo got a case # as well they said I would receive info from them sent out in the mail.weeks go by and, nothing is received so I go into my local wells Fargo branch and speak with the branch manager who informs me they do not have my case # on file.Nothing was filed.and they assure me that they will get to the bottom of the situation.and I will receive something in the mail informing me of their decision about 2 weeks later I receive an email informing me that my account is over {$1500.00} overdrawn and they are closing my account that I have had over 4 years never did they research the fraudulent checks or keep me in the loop I had two different case numbers and never received any info.now my account has gone into collection and my credit scores are messed up its been really stressful how can they legally a sure someone they will research or investigate the fraudulent check and, do absolutely nothing leaving me to pick up the pieces.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I Recently reviewed my credit report and noticed i have more than a dozen reported late payments. In years past while I occupied the home for a very short time in XX/XX/XXXX at the time of purchase and the first few months of XX/XX/XXXX I in good faith made timely payments on the home. It was until after XX/XX/XXXX that I longer occupied the home due to relocation with my employer, XXXX XXXX XXXX XXXX. The situation at the time gave me very little time to find tenants as we no longer lived in the same city which in turn made it very difficult to rent out. As the months and years followed we came across tenants that would not pay on time or pay at all which resulted in the negative items. Being the only income for my family and living out of town it was my duty to take care of them first. My position in the line of work that i do does not allow for us to fall into such situations and can result in my question for suitability for employment. I tried on several occasions to see what the bank can do or assist with out it affecting my credit only to be turned down and advised that there wasn't much help for me. Due to medical reasons for my youngest daughter we were able to move back to our hometown and find a place to stay while we dealt with tenants. I somehow managed to catch up on the payments with my own savings but was still a difficult task. I do plan on keeping the property and have also since found reliable tenants that have not defaulted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is the second time I am writing about an issue with TransUnion. TransUnion is reporting that an account status is in " Collection '' in which is wrong. The Account is Paid and Close. I will Like TransUnion to change the payment status to Paid and close. I give them proof that the account was Paid in full and Close.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I Recently reviewed my credit report and noticed i have more than a dozen reported late payments. In years past while I occupied the home for a very short time in XX/XX/XXXX at the time of purchase and the first few months of XX/XX/XXXX I in good faith made timely payments on the home. It was until after XX/XX/XXXX that I longer occupied the home due to relocation with my employer, XXXX XXXX XXXX XXXX. The situation at the time gave me very little time to find tenants as we no longer lived in the same city which in turn made it very difficult to rent out. As the months and years followed we came across tenants that would not pay on time or pay at all which resulted in the negative items. Being the only income for my family and living out of town it was my duty to take care of them first. My position in the line of work that i do does not allow for us to fall into such situations and can result in my question for suitability for employment. I tried on several occasions to see what the bank can do or assist with out it affecting my credit only to be turned down and advised that there wasn't much help for me. Due to medical reasons for my youngest daughter we were able to move back to our hometown and find a place to stay while we dealt with tenants. I somehow managed to catch up on the payments with my own savings but was still a difficult task. I do plan on keeping the property and have also since found reliable tenants that have not defaulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: GA

Complaint narrative:
My husband and I attended a NACA workshop over a year ago. We were assigned to a counselor to begin our journey to homeownership. We spent many months submitting all required paperwork to our NACA file, paying for membership dues and paying for credit reports. We were expecting to get qualified by XX/XX/2018, as indicated by our assigned counselor, XXXX XXXX, in XXXX, NC. When XX/XX/XXXX arrived, our counselor missed our scheduled appointment ( which was to qualify us for a home loan ) and after calling and sending numerous times, I finally reached her and she was very rude, unprofessional and lied several times about our scheduled appointments and missing documentations. She made excuses that documents were missing from our NACA file, even though we submitted every document she requested in our action plan, to our file and to her email. Finally we requested to speak with her supervisor and even requested another counselor. No one contacted us. I sent numerous emails to her supervisors complaining about her behavior and requesting assistance with removing her off our case and assigning us a new counselor so our case could move forward and we could obtain homeownership before our rental lease expired. Needless to say, several days passed with no response. I finally called member services and requested a new counselor, since our previous counselor was unassigned to our case. The lack of communication, missing paperwork, a rude and incompetent counselor and numerous delays have caused many hours of frustrations for us. We would like more oversight and advocates who are willing and ready to assist members obtain homeownership in a timely manner and knows how to demonstrate excellent customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XXXX XXXX contacted my spouse about a credit card debt in my name only. He is in no way affiliated with this debt by name, address, social security number, phone number nor is he listed as an authorized user on the account. They shared information about this debt including amount owed, days delinquent, and asked him to pay the debt. This happened on Friday XX/XX/2018 at around XXXX XXXX. He was contacted by phone number XXXX ext XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
Credence Resource Management , LLC.

I disputed the charge because it was fraud. A company employee charged a phone bill to my personal account ( not authorized ) then was fired after discovery. XXXX XXXX XXXX  sent the bill to collections and I continued to dispute the charge as fraud. Finally, after two years of no action I paid the amount, only to have Credence Resource Management refuse to delete the negative credit hit on my personal credit report. Credence Resource Management told me on the call they often delete negative credit hits for other consumers, just won't do it for me even though I actually paid the fraudulent amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I submitted a fraud claim on a bank of America debit card on XX/XX/18. The claim was denied XX/XX/2018. I was told it was because I did not have the card but there were charges in the period that used the card. The claim was for international charges on my debit card. On XX/XX/XXXX I explained to the bank that I did not lose the card, the agent must have misunderstood me. A request for reconsideration was submitted XX/XX/XXXX. In the meantime they reversed {$400.00} in temporary credits. I have automatic drafts for bills which have been coming out of my account. I am charged {$35.00} per occurrence for insufficient funds. In the past week I have been charged {$280.00} in fees. The bank has been giving me different answers about when they will review my reconsideration. A hardship review has not been acted on either.

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 2018-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I paid off a collection account from the original creditor ( XXXX XXXX XXXX XXXX ) with a collection agency named ( XXXX XXXX XXXX ) Under a written agreement from them stating to remove from all credit reports. Experian has not removed this collection from my reports. I have disputed more than once with them. I have the Pay for Delete letter that XXXX XXXX XXXX sent me as proof. XXXX and XXXX   have already graciously removed said Item from reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Thursday XX/XX/XXXX I opened a payee account for my son who receives ssi. I successfully opened the account and deposited the check which they were going to hold until the XX/XX/XXXX. Now I tried to use my card on Friday to make a purchase and I went to my chase online account only to find it suspended and I called and no one can tell me why and they won't realse my money until 10 bussiness days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX my payment to pay the remaining balance of my student loan cleared my bank. After I had made the payment a representative told me to to call back the following Monday to request a paid in full letter. When I did so I was then told it takes 30 days, so I waited 30 days and called back, at this time I requested if the letter had not been requested yet to please send a paid in full letter by mail. A week later I still had not received anything so I called to follow up, was advised a letter had just been requested on the XX/XX/XXXX which was several days after I had requested it however I said ok I will wait to receive it and call back if I dont have it in a week. A week later I received a receipt not a paid in full letter stating I would receive a paid in full letter within 45 days, so now I hears different time frame and I called to talk with a manager by the name of XXXX. I explained to her my frustration with getting a different answer every time and mention how this only confuses consumers and I was thinking about filing a complaint, XXXX seemed understanding and placed me on hold to speak to the department that sends the letters, she then gets back on the phone and tells me it could possibly take 45 to 60 days to generate the letter even though my payment had already cleared my bank, I again stated now I have a time frame in writing and being told yet again a different answer. She had said she apologized and since I mentioned filing a complaint she could do that on my behalf, I questioned this and she stated she could send me email confirmation the complaint had been filed. I NEVER received an email of this and to this day XX/XX/XXXX have yet to be sent a paid in full letter. This is absurd that a lender is so careless and does not send requested documents that they legally have to supply. This may be a reason we have so many issues with defaulted student loans is lenders dont give the required information and consumers get frustrated and dont want to deal with it. Also when this was reported on my credit report it did not do anything to positively effect my score, I am not sure how that portion works but would like it looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
XXXX XXXX keeps calling my work and people that put down as references. The problem is they told me I have 10 days after the due date to make a payment. I didn't have enough to make the payment on the XX/XX/XXXX and just made the payment today XX/XX/XXXX. I don't appreciate them calling and harassing me at work or my references. The XX/XX/XXXX is technically the 10th day of the due date. If you go one day after the due date that is when they start calling you and it get irritating. This leads me no choice but to submit a Cease and Desist order through Consumer Complaints website to get this company to stop harassing me. There will be times when I can't pay on the due date, but will have it paid during the 10 day grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I received an email saying that I had a " Google Pay Balance Statement ''. I was not aware I had a Google Payments account, so this was an alarming revelation. 

I logged into the account and attempted to close it, but instead of closing the account, Google displays a message " We're currently unable to close your payments profile due to the Google subscription services that have been used with this payments profile. '' I contacted Google support and was told that I had an active XXXX XXXX cell phone plan. I advised that I have NEVER had XXXX XXXX service. I did click a " notify me when available '' option on a Google smart phone, several years ago, but I was never notified that the phone was available and instead use XXXX. Google support claims that this pre-order created a XXXX XXXX account. I advised Google that I did not want XXXX XXXX service and that the account should be closed. They advised they would escalate the issue. 

On XX/XX/XXXX I received an email from XXXX XXXX support advising that the account had been closed. I logged into the Google Payments profile but was still unable to close the account. I again contacted support and was told the issue would be escalated. 

On XX/XX/XXXX I had not heard any status updates from Google support, so I again reached out to them. At first, Google support told me that they didn't believe that I couldn't close the account, myself. I advised I received error messages when I try to close the account and I provided screenshots of the error messages to Google support, via email. I was told that they would escalate the issue, again. 

On XX/XX/XXXX I had not heard any status updates from Google support, so I reached out to them, via email. I received a response on XX/XX/XXXX that Google is refusing to remove my payment card and that they do not allow customers to close Google Payment accounts -- despite that option being presented on the Settings page. There is also a google support article titled how to " Permanently close your Google payments profile '' that provides steps. Unfortunately, following these steps results in the error messages I mentioned, previously. 

It is unacceptable for Google to refuse to remove my payment information, even after I have advised them that I revoke authorization for them to retain it. 

It is unacceptable for Google to refuse to close my Google Payments profile, even after I have advised them that I do not accept their privacy policy or terms of service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: IA

Complaint narrative:
Dealing with this company has been utterly ridiculous. They've had my account since XX/XX/XXXX, yet I still can't view my account details online nor make a payment online. " Due to the status of your loan, please contact us directly to discuss available payment options and verify amounts due. '' My XX/XX/XXXX payment date came and went because they wouldn't allow me to make a payment due to their 'auditing ' of my new account. Finally on XX/XX/XXXX I was allowed to make what should have been my XX/XX/XXXX payment ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} ... but, they applied it incorrectly to XX/XX/XXXX. I  had already made my XX/XX/XXXX payment to my prior servicer. So, I rounded up the documentation and submitted that to them approximately 2 weeks ago. They still haven't resolved that issue. In the meantime, my XX/XX/XXXX payment is now due. I called on XX/XX/XXXX and spoke with Rep ID XXXX, XXXX, and she told me they can't accept a payment at this time. I asked her why not because they already accepted that previous payment from me. She said my account was still being audited. It's been 2 full months now since XXXX has had my account and they still haven't resolved my misapplied payment nor will they allow me to make my XX/XX/XXXX payment. What terrifies me now is they are going to end up reporting incorrect information to the credit bureaus. Calling XXXX is a complete waste of time. Every rep you speak with seems to know very little about the process and they offer no solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
This bill is not being paid because the provider posted unauthorized charges. I called numerous times to reconcile but the office manager refuses to discuss adjusting appropriately even though I have marketing documentation showing promotion rates at the time of service. Bad provider fraudulently charging fees never authorized. I always pay my bills as can be seen by my payment history for much larger amounts but I will not pay this fraudulent bill and be held hostage to a dentist office manager who chooses to make up rules and fees as she desires. No one should be held to pay whatever the provider charges without recourse because they post a charge to collections without having to justify their actions. I suggest all stay away from this provider and find another dentist who is about patient care and not robbing people holding them hostage by sending them to collections because they increase fees without approval from the customer. 
This is NOT about {$250.00}, but the point of this dentist fraudulently charging fees and being very rude when trying to gracefully reconcile the correct amount for prompt payment. I will not pay this erroneous charge. For all those seeking my business, please feel comfortable by seeing my overall payment history that I pay my bills on time for much larger amounts. It is simply the point of it. Thank you in advance for your consideration. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RELIANCE FIRST CAPITAL LLC
State: IL

Complaint narrative:
I began the process of a debt consolidation refinancing in XX/XX/XXXX. All forms were submitted and approved. I was sent the application to sign that would allow the appraisal and closing process to begin. Once I signed and submitted the paperwork the loan officer NMLS # XXXX did not return phone calls nor did his manager. Once I did receive a call back. I was told the application documents are computer generated and I was not approved based off income. When he verified income to produced application for signature. Then I was sent a letter stating that I indicated I no longer wish to proceed. A lie.

Company response to consumer: Closed with explanation