vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
Hello Team, I initiated the transaction # XXXX to transfer the money {$9000.00} from USD to INR on XX/XX/2018. Later on, i had to cancel the above mentioned transaction on XX/XX/2018. I was promised that refund process may take up-to 3 business day but not more than 7 business day.

During this time frame, i tried to call customer representative of Western Union and i also dropped the mail asking for money refund and every-time i was asked wait 24 hours to 48 hours more and issue will be solved on priority.

As now its going to more than 13 calendar days and still don't have any clue where is my money, I am really losing all hope now to get my money back from Western Union.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: MI

Complaint narrative:
This is a complaint against AFNI and XXXX. They are both reporting a debt on my credit report that is not owed. I have a letter stating that they removed the amount. It has bot been removed and I have contacted them and disputed it several times and its still not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have been a customer with PNC for almost 2 years. In XX/XX/XXXX I closed my orginal account with PNC and opened another one. Which is my current account, that I have had now for almost a year. Back in XXXX, I recieved a letter in the mail stating that my previous account was closed due to insuffecient funds. and I now owe a balance of XXXX that is now scheduled to go into collections. Now I'm XXXX! because how in the world can you charge an account that was closed almost 9 months ago a insuffcient fund. So I quickly contacted the Retail escalation team for PNC who handles this account and was speaking with XXXX. Who also was perplexed with the sitiuation and was looking into it. So she stated that she would work on it on her end and get back to me. I waited about a week then called her back. But she wasnt available. Then she called me back and I missed her call. Then I finally talked to someone other then XXXX a week ago. Who was still working on this pronblem. Then on XX/XX/XXXX PNC withdrew XXXX out of my account!!! This is obserd!! When I contacted PNC XX/XX/XXXX the Rep said Oh no I can see why I'm mad and that she is not understanding why that happen. Only that when you have a account closed. Then a transaction is allowed to come through and reopen it?? What!!! That is the most ridiculous thing I have heard!! PNC is nuts!! I need every dime of my money and it should have never happened. And to date it has still not been fixed!! No one has bothered to read my notes they just deduct money from my account with a unsolved situation.!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
It recently occurred to me that the experience I had during the purchase &  subsequent financing of my first vehicle with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, MD XXXX may have violated consumer protection standards. 

On XX/XX/2017 I financed my vehicle with XXXX XXXX in XXXX, Maryland. In the final purchase stage, the financing representative overtly threatened to raise my interest rate which she had offered called several times and offered from Toyota Financial Services. She threatened verbally that if I didn't purchase the add on gap insurance for an additional {$20.00} per month to my {$380.00} car payment, that she would raise my rate she previously claimed to have haggled on my behalf. I told her multiple times after multiple attempts to sell me this product that I already possessed this coverage with my auto insurance and that at this time I don't want to add more to my payment nor to I need the coverage. She was adamant- and she accused me of not knowing what I was talking about since she had not heard of a car insurance ( XXXX ) offering such a clause. I pulled the coverage up on my mobile device, read it, and then showed it to her. The exact quote she said to me was " I can easily call Toyota Financial and have them raise the rate back to the higher figure that I just negotiated down for you. '' I almost walked out of the dealer at that very moment but unfortunately I needed the car more than I needed to leave so I stayed and continued to deny the add- on offerings she presented. It was a terrible combination of aggression and condescension masked by a person pretending to help you- she did not like that I knew about the buying process. 

I am choosing to raise the issue now because I still recall how visceral the experience was and I recently chose to learn about this event to see if it was in fact legal. I am hoping your team can investigate to see if this person is still performing such practices and if there should be consequences. It's important to note that while I've worked in sales and other high pressure industries, the predatory approach this financing agent took to my auto loan as a young person may have larger negative implications for other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: Home Point Financial Corporation
State: OH

Complaint narrative:
XXXX XXXX XXXX is reporting 4 Late Payments ( XXXX, XXXX, XXXX, and XXXX when I was never late or even with that company. This was fixed but has reappeared on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo allowed a payment to go through from XXXX when I didn't have the full amount to cover the payment. But did not allow XXXX payment. I have asked Wells Fargo before if the funds are not available please do not allow payment to clear. Now I have {$35.00} return fee and Wells Fargo did not return the payment. Plus Wells Fargo have a new process in place if you get paid an a purchase comes through and all the funds are not available Wells Fargo will clear the payment and not charge a fee. But I was charge a fee.

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 2018-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: ID

Complaint narrative:
I have a student loan with XXXX XXXX XXXX XXXX for around 38,000. I  heard that Premier Student Loan Center could reduce my loan. I spoke with XXXX XXXX and she assured me she could reduce my payment to XXXX. I gave her all my information. Then I spoke the XXXX XXXX and they said this was a scam. I called XXXX back to cancel and have not heard from her. I have cancel my credit cards but I am worried that this Premier Student Loan Center company has my information. How do I proceed?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I was contacted by Navient by email about a payment due of XXXX on XX/XX/XXXX. The total due was XXXX plus interest ( XX/XX/XXXX ). Since that time I've been trying to find out why I suddenly owe this money. My loan was completely paid off and I received a letter of this on XX/XX/XXXX. Not one person out of the multitude I've spoken to from Navient and myeddebt.ed.gov can show me exactly why I now owe this money. I've searched the websites off both companies logged in under my account and I don't see anything to support what little information I have gotten from them. I've searched my bank records for anything to show what they are saying is why I owe. I've provided those records to them to show that they're wrong and was told I still owe. I will pay this amount if they can show that I absolutely owe this. But they have yet to do this and are still harassing me saying that I am behind. Also you can't contact the Department of Education directly to dispute. They just auto transfer you back to the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I looked at my account with Regions Bank on XX/XX/18 and saw that 3 charges not authorized by me were pending. I called the companies listed and they agreed since the charges were not initiated by me and were still in pre-authorization status to cancel the transactions. However, during this time regions charged me 3 NSF fees for transactions that cleared while the others were still pending. I understand once things are pending the money is on hold however once I notified Regions of the transaction and my working with the other companies to clear them out they refuse to do anything about the NSF fees never mind the transactions that appeared were not authorized to begin with. Also Regions has said that the a couple of transactions were pending with the fraudulent charges and that's why these 3 were charged since the others already accounted for money on hold. However when the authorized charges went through that were pending they charged me with NSF again. How can something already have a hold on money and make other things go over then turn around and go over themselves?? No help from Regions in this matter.

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 2018-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I was contacted via mail on XX/XX/2018 by XXXX XXXX XXXX to collect a debt on behalf of creditors XXXX XXXX XXXX XXXX XXXX. This debt was disputed on XX/XX/2018, citing I did not owe the debt. I requested that XXXX verify that I owe this debt in accordance with all state and federal laws within 14 days of receipt of my dispute. I heard nothing from XXXX until XX/XX/2018, and there was no debt validation or any information proving that I am responsible for this debt. I disputed their claims a second time via mail on XX/XX/2018, requesting that they evidence proof of the alleged debt, including alleged contract or other instrument bearing my signature. I did not receive any information that was requested to evidence my responsibility for this debt, yet this inaccurate account has been added to my credit file on XX/XX/2018. I disputed the account a third time on XXXX XXXX, continuously asking XXXX to verify this account. On XX/XX/2018, I received a letter stating that the debt was verified. Under the Fair Credit Reporting Act, I feel that my rights have been violated by XXXX because they did not correct, delete inaccurate, incomplete, and unverifiable information pertaining to this collection account. I specified that I would like to see the original contract, bearing my signature, accompanied by a photocopy of my Identification to verify that I'm responsible for the debt. I received nothing besides a letter that states it was verified, without evidence, which is highly questionable. I feel that XXXX  have violated my rights according to the FCRA. It is my hopes to rectify this amicably before It would result in legal action against XXXX.

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 2018-07-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ameritech Financial
State: IA

Complaint narrative:
I got involved with Ameritech Financial to consolidate and repay my student fed loans and participate in the PSLF loan forgiveness program. I was deceived by Ameritech Financial who also has involved the XXXX XXXX XXXX XXXX who I have found is taking my money ... .not paying my fed loan at all. XXXX is also taking part in deceptive practices and I would like a full refund. 

Since finding out of these deceptive practices from the FTC, this is the reason for my complaint. I have also contacted XXXX on XX/XX/18 and was able to leave a message stating to cancel my account. issues a refund and stop all future payments. I have not heard a reply yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STERLING BANCORP
State: VA

Complaint narrative:
We filed a loan modification application which was deemed complete on XX/XX/XXXX. Per XXXX XXXX, they required thirty days to review the application before a decision was to be made. Mind you we have gone through this process with this bank before ; however, this time it was different because we clearly had a hardship -- we had to file bankruptcy on XX/XX/XXXX to save our home. Once the file was deemed complete, I contacted them at least once a week for the next thirty days to see if a decision had been made. On or around the end of XXXX, I contacted Sterling and spoke with XXXX XXXX. He was handling our modification. He told us it was denied because we failed to demonstrate a hardship ( basically our gross monthly income to mortgage ratio was at 26 % ). According to him, our ratio needed to be 31 % or higher. During the time our modification package was being reviewed, my husband lost his job ( document attached ). We decided to appeal and we had until XX/XX/XXXX to submit our appeal. The appeal required an appeal letter, along with the supporting documentation to support the appeal. I sent three documents 1 ) the appeal, an updated financial statement, and a copy of the lack of work letter. 
Sterling received these document on XX/XX/XXXX, and told me that they had 30 days to review the documents before a decision was to be made. Again at least once a week, for the next thirty days, I contacted them to get an update. Yesterday, on XX/XX/XXXX, I contacted Sterling again, and spoke with XXXX ( who handled our appeal ). She told me again they were upholding their original decision because we failed to show a hardship. She told me that when she  prepared the file, she removed my husbands salary, took our arreage and put it on the back end of the mortgage and moved it out from 360 months to 420 months. She also took into consideration my monthly gross income ( {$10000.00} ). Our mortgage payment is {$5000.00}. If you divide XXXX by XXXX, you get 49 % which is clearly HIGHER than the 31 % which is what Sterling considers the hardship minimum. 49 % ratio would qualify as a hardship under their own guidelines, but she told me that the " committee '' looked at the whole entire situation since XX/XX/2016 when we first fell behind on our payments. We fell behind because we have an ARM and our rate adjusted which DOUBLED our mortgage. My issue is that they have changed their rules and now I feel that this is personal. If the guideline says that 31 % or higher is what they considered to be eligible for a hardship and our appeal showed that the lost of income put us at 49 % then we should qualify. They have to apply the same rules to all applicants. This decision to uphold their original decision is purely a violation of their own rules and I would like the CFPB to look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I borrowed {$30000.00} from my mother ( who borrowed from her investments ) to pay off my student loan and a consolidation loan. I accidentally sent the money to my daughter 's student loan on XX/XX/XXXX, which cleared on XX/XX/XXXX ( all XX/XX/2018 dates ). I called Wells Fargo claims department@XXXX and the claims dept. called my daughter 's student loan agency explaining what happened. The student loan agency told us that it could take anywhere from 30-45 days for the money to be returned. To be clear, the amount we are discussing is {$19000.00}. On XX/XX/XXXX, I decided to call the student loan company just to see where they were on processing this refund and they stated my daughter 's student loan is showing a balance due, so this was refunded. I called Wells Fargo claims dept. same day and was told that they have had the money since XX/XX/XXXX and she could not tell me why the money had not been deposited into my account. I called again on XX/XX/XXXX and spoke with XXXX ( Supervisor ) and he stated that he could not see why they had not returned the funds to me, but would have the money back into my account the same day. It is XX/XX/XXXX and I still do not have a credit of {$19000.00}. I am currently contracted to pay my mom {$500.00} every 2 weeks, which I have been doing, and my student loan is still outstanding and earning interest while Wells Fargo holds onto my money.

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 2018-07-10 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: TCF NATIONAL BANK
State: MI

Complaint narrative:
On XX/XX/2018, my check/debit card numbers were used fraudulently to make a purchase in New York State. The merchant was # XXXX XXXX, and the amount was {$150.00}. I did not authorize this transaction, nor did I make this transaction. I was not in NY State. I was in XXXX, MI, attending an orientation for work. 

I found the fraudulent activity on my account on XX/XX/2018, due to a text alert I get on my phone telling me my daily balance. My account was overdrawn, and it should not have been, since I had {$55.00} in my account as of XX/XX/2018. I then logged in and saw the fraudulent charge. 

At this point, I immediately contacted my bank to have them cancel the card numbers, and to report the fraudulent activity. The representitive in TCF 's Fraud Department, XXXX, was very rude to me and refused to give me a provisional credit and reverse any fees. Speaking with his manager ( I believe XXXX ) proved futile, as he said there was nothing that could be done until an investigation was done. 

I called TCF 's Fraud Department on XX/XX/2018, and was told my fraud claim was denied. The NSF fees have now piled up, costing an additional {$330.00}. He said the claim was denied because other transactions had occurred around the time of the fraud, and therefore the activity was not fraudulent. 

TCF Bank 's fraud department is willfully and intentionally refusing to acknowledge the following : 1. Pending transactions may clear in a different order than they were executed. The following is from TCF 's web site : " Transactions may not be posted in the order in which they occurred. '' 2. I was not in New York State on the day of XX/XX/2018, when the transaction was made. 

3. Credit card numbers can be stored at online merchants and be used concurrently with unauthorized transaction. My buying something online at the same time someone uses my card numbers fraudulently does not prove that fraud has not occurred. 

I am asking for my funds to be recovered to my checking account : {$150.00} plus {$330.00}, for a total of {$480.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
letters were sent on XX/XX/2018 to the company that they were reporting an incorrect account, incorrect account number, a missing field of 81- month payment history, an inaccurate date of last activity, an inaccurate date of high credit, an inaccurate date of credit limit, an inaccurate actual payment amount, an inaccurate date of last activity, an inaccurate activity description, an inaccurate date of last update an inaccurate description of month reviewed. I get computer generated responses

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: OH

Complaint narrative:
XX/XX/2008 XXXX XXXX  court shows a balance of XXXX for a child restraint ticket. I contacted the court and was told this was paid in full XX/XX/2008. This report should show no balance and clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Refused to all me to connect my account to an outside service and to access and manage my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
On XX/XX/2018 I purchased a money order from Moneygram for {$370.00}. The Money order # XXXX. The money order has not been cashed, nor been received by my mortgage company. 
I have contacted the XXXX XXXX. But I am not getting anywhere with them. They have referred me to a web site that I am not able to maneuver. 
I would like to be able to pay my mortgage and also find out where my money is. 
In order to get my money, I will have to pay {$18.00} and if I wanted over night it is {$25.00}. 
Moneygram has not been helpful at all in replaceing my money.

Company response to consumer: Closed with explanation