vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
A refusal of a bank to refinance a maturing 2nd mortgage with a predatory balloon payment. The mortgage holder ,a senior citizen  never missed a payment for 15 years and can continue to pay monthly principal and interest payments until the sale of the house.This is the same bank that ripped off it's mortgage holders in a forced place insurance scheme class action scam.  I am part of their New fee scam. In XX/XX/XXXX XXXX XXXX XXXX made a consumer loan to me never mentioning the pending balloon maturing in XX/XX/XXXX.A New local loan officer  in XX/XX/XXXX called me warning me of my pending foreclosure. She suggested I apply for a modification borrowing not the current amount of XXXX but $XXXX principal. After several weeks I was denied the modification on the basis of too many inquiries(all the inquiries were made by XXXX XXXX),outmoded and arbitrary loan ratios,and the loan the bank made in XX/XX/XXXX.Now the bank has started foreclosure.Dreams of anew fee scam are dancing in their heads.I wrote the president of XXXX XXXX XXXX alerting him .Never a reply. This bank is corrupt from it's head I expect much false witness against a me from this bank. .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: MD

Complaint narrative:
They kept calling me everyday! I told them that I have no co trip to pay the payment to pay back the phone company spirit and will try figure out to pay back when I do my tax return and they kept on pushing me pushing me i repeated told them what I plan and they did not listen to me so i told them the same answer and hung up the. they kept call me everyday! so i blocked them and it still go thru and call me everyday!!! harassing me i 'm tired of getting their calls!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation
State: TX

Complaint narrative:
I have written to XXXX XXXX in the past and have asked them not to contact me through my work number. I have given them permission to call me on my cell phone and through text. I have continued to receive phone calls at my work from a guy by the name of XXXX. The dates listed below are when he has called me. I understand I have a responsibility to take care of my account, but I have explained to them many times to please not call my job. I would like to keep my personal debts separate from my employment. It is not acceptable to my employer to receive personal calls and is embarrassing to have debt collectors call. XXXX XXXX ( XXXX ) is calling and leaving his name, where he 's calling from ( yes, he is saying XXXX XXXX ) and his number. Again, I have asked them not to do this. I have written it down for them to know. I spoke with the manager today and he confirmed this was notated in my account, it was also confirmed by the receptionist XXXX that this was notated as well on my account. Yet, XXXX is still calling my work number. 

Dates company has called my work number : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
The summary is that Heartland ECSI charged a late fee for a payment I missed. However, when I made the payment they did not apply anything to the late fee and instead let it accrue for several months. After the missed payment I established a monthly withdraw from my bank account to ensure a payment was not missed. So for months my bank account was being charged. But the company never applied any of my payments to the late fee. Nor attempted to notify me that a late fee still applied. 

The late fee was first charge in XXXX in the amount of XXXX and continued into XXXX when I logged in to check this account, under the assumption that it was current, and saw that the amount due ( usually XXXX ) was now XXXX. This is when I saw that none of my payments ever applied to the late fee. However when I applied the first manual payment in XXXX to pay this account I saw that XXXX was due after I made the payment. 

I attempted to deal with the customer service but they insisted that it was my fault for not making a separate payment just for the late fees and that recurring payments would never be applied to a late fee. I was then told that the manual payment that showed XXXX due, only applied to the recurring amount due and that I should have known the late fee would require a separate payment. 

The attachment below shows 3 consecutive billing statements that show a late fee, and show that a payment was received each prior month, but the late fee continues to accrue. 

Finally when setting up recurring payments, the website intentionally does not show the monthly payment amount on the same screen it asks the user to input a monthly amount to be charged from their bank. there is no selection available that allows the user to pay the minimum amount due or show any other previous payments for reference. This means that the user must either guess, or navigate away from this screen to find out. This is clearly an intentional attempt to get users to underpay without knowing it and be charged a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: MS

Complaint narrative:
I am getting daily calls from CBE Group. They always call from a XXXX number but the last four digits are always different. They never leave a voicemail. I 've received nothing via postal mail from this company so I do n't know what their supposed business is with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: MS

Complaint narrative:
Inquires are inaccurately appearing on my Transunion credit report and Transunion will not verify/investigate/remove them. The following inquires on my credit report were not authorized and I would like them removed. 

XXXX/XXXX -XX/XX/XXXX XXXX/XXXX -XX/XX/XXXX XXXX XXXX XXXX -XX/XX/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 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I received a letter from Carter-Young, a debt collector, around XXXX claiming that I owe approximately {$650.00}. After speaking with them they claim that I co-signed a document for XXXX XXXX XXXX in Florida. I asked for a copy of the contract and they sent me an electronically signed document that I did not sign. I asked them for proof that I electronically signed this document of which they would not provide any. This is because I did not sign this lease document at all. Now they have reported this to XXXX. I went through the XXXX process denying that this is my debt and XXXX basically rubber stamped in favor of the debt collector without calling me or providing any evidence of a true investigation. I have resubmitted a claim with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
I fell behind on mortgage due a loss income, increase in expenses and divorce. I contacted XXXX XXXX XXXX in XXXX XXXX, Michigan. I was working with XXXX XXXX who was one of their financial counselors. She helped complete a lost mitigation application and it was submitted on XXXX XXXX, XXXX. Carrington kept requesting documents that were already submitted. This was n't the first time they have done this to me when submitting a loss mitigation application. I filed a complaint with CFPB back in XXXX of XXXX regarding the same issue. Complaint number XXXX. All the documents that were requested were sent on XXXX XXXX, XXXX. XXXX XXXX took over my case at XXXX XXXX XXXX. He contacted Carrington on XXXX XXXX, XXXX and was informed that my case had been closed because I did not submit the documents that we were being requested which were sent on XXXX XXXX. XXXX suggested to resubmit a new application since Carrington had already closed my case and they were n't willing to re-open it. A completed application was submitted on XXXX XXXX, XXXX. I have attached a copy of the entire application. I was told on XXXX XXXX, XXXX that my case was close because I submitted an incomplete application. XXXX contacted Carrington and was told that I was missing the following : -Recent paystubs ( which are on pages XXXX ) -Bank Statements ( which are on pages XXXX ) -Letter stating how many household members are in the house ( which is on page XXXX XXXX paragraph. This information is also listed on my food stamp benefit letter found on pages XXXX. ) I did not receive a written notice or email stating that this information was missing ( even though this information was not missing. ) I think that what Carrington is doing is unfair to me and all the work that XXXX XXXX XXXX has put into my case. They have been giving me the runaround for over a year and they have closed my case twice for invalid reasons. I am asking Carrington to review my application completely and to read and pay attention to all the documents that are submitted. This will be 4th time applying for loan modification. All I want is to ensure that my kids and I have a place to live. Thank you for taking the time to review my complaint. I have attached my completed application from XXXX/XXXX/XXXX and the fax confirmation stating that my application was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
Hello OnXX/XX/XXXX I initiated a wire transfer to Coinbase.com to from my XXXX bank account. 

The amount of the wire transfer was {$7000.00} to be deposited into my coinbase account within 2 days. On XX/XX/XXXXI received an email saying : " You recently sent a wire to fund your Coinbase or GDAX account for {$7000.00} USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us XXXX business days for processing. '' I was very frustrated as the owner names on both accounts are the same and Coinbase prefilled the information I needed to give my financial institution. 

I waited 7 days for this to process and finally contacted them on XX/XX/XXXX as no money was received. They instructed me to go to a certain form which led me right back to where I was in the first place to fill out information ... 

I gave them ALL reference numbers, bank wire numbers, FED reference numbers and they have gone silent. 
This money is very important to me and something I need to rely on. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I purchased a product for a trial period and after that I did not know I would be billed for payments and accessory product monthly. I complained to the company and the issued a return authorization for the product. During this time I informed Citibank of the situation ( XXXX XXXX ). I returned the item in XXXX. Provided Citibank with proof of the return. Citibank issued 2 credits for 2 recent charges, however the merchant charged me 5 times which meant I had 3 additional credits to be issued. I have contacted Citibank at least 5 times by mail, fax, phone and email from another internal department regarding those additional credits in XXXX XXXX. As of this date XXXX/XXXX/XXXX, Citibank has not issued credit. The credit amount is {$160.00}. Their delay has caused a hardship to me. I am not working full time and need that money to pay a mover to get my belongings rearranged in a storage facility because they were packed wrong and I can not get to items that I need for daily use.

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 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I recently received an alert that a collection was added to my XXXX, XXXX, and XXXX credit report. The report showed a collection from XXXX XXXX XXXX XXXX, stating that I opened an account with XXXX on XXXX XXXX, XXXX, and owed a balance of {$660.00}. I contacted the collection agency and told them that I 've never had a XXXX account and that I do n't owe them {$660.00}. I also asked them to provide me with proof of a written contract stating that I opened a XXXX account on XXXX XXXX, XXXX, and they refused to provide me with such documents. I also called XXXX, XXXX, and XXXX to dispute the collection and the collection was removed from XXXX, but not XXXX and XXXX. Please have this collection removed from my credit report because it is making a very negative impact on my credit.

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 2018-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
APM FUNDED AN UNINSURABLE LOAN On or about XXXX I applied for a refinance of my RanLife FHA with American Pacific Mortgage. I closed on the refinance on or about XXXX/XXXX/XXXX. On or about XXXX XXXX I was informed that there was an error in my title paperwork ( a date that was dated after some critical date it should have been dated before ) and all I was told was that a ) it was impossible to re-sell the loan on the secondary market (? ). I was told it was a " scratch and dent loan '' ; and b ) APM would have to service the loan itself. I paid 11 months mortgage payments to them without receiving benefit of a positive credit line. 

APM WOULD NOT WRITE OUT OF UNINSURABLE LOAN On or about XXXX XXXX, APM said they wanted to re-finance my loan to be able to " write me out of an FHA '' to drop the PMI. On or about XXXX XXXX they told me that not only were they unable to refinance me into a conventional loan ( even though I am appraised well over 80 % ). They blamed the fact that I have a HERO loan and they could not " do a conventional loan '' on the loan, but they also could not do an FHA streamline either. The rules on FHA not refinancing did not change until XXXX XXXX and HUD said any loan pulled within 30 days of their XXXX XXXX announcement would be okay for a HERO or PACE loan. APM has elected to do neither. 

FHA SAYS I DO NOT HAVE AN FHA LOAN BUT BANKS SAY I DO This brings me to my biggest legal issue ; do I have an FHA loan or not? FHA says " no '' and I have called them twice. Another lender pulled an FHA case number for me. This means I have an uninsurable FHA loan which no one ( and I am assuming APM knows this ) else will touch because its not FHA insured in the first place. Moreover, I am supposed to have an assumable loan, which it is not, and I certainly can not apply to FHA if I have a case that is uninsured.

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 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, I am the Sole and only beneficiary of an XX/XX/XXXX irrevocable court crated trust for an incapacitated minor, created with funds awarded from settlement / finial judgment in Case XXXX in the XXXX Judicial XXXX XXXX XXXX XXXX XXXX XXXX Texas in XX/XX/XXXX. 

In XX/XX/XXXX ( XX/XX/XXXX ) XXXX XXXX/ Bank of America was court appointed sole trustee of a court crated incapacitated minor irrevocable trust. XXXX XXXX/ Bank of America Sole Trustee received specific trust investment options ( stocks, annuities, mutual funds etc ) to invest irrevocable trust funds. XXXX XXXX Bank of America used trust funds to secure XXXX XXXX Bank of America Life Insurance Policies as trust assets in XX/XX/XXXX. 

In XX/XX/XXXX XXXX XXXX/ Bank of America started placing loans against the irrevocable trust/ trust asset ( s ) to send care distributions for the incapacitated minors care, not sending care distributions from trusts net income and principal per the trust terms/ trust distributions guidelines. 

More than XXXX years later ( XXXX years ) XXXX XXXX Bank of America sales the irrevocable trust asset ( s ) belonging to the incapacitated minor to XXXX XXXX XXXX XXXX XXXX , with current debt on the asset ( s ). In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX communicates to the sole and only beneficiary of the trust / trust asset ( s ) that he has ordinary income of {$690000.00} to be reported in XX/XX/XXXX to the IRS, which is the loans and loan interest placed on the irrevocable trust starting in XX/XX/XXXX. 

* Irrevocable court crated trust for incapacitated minor with specific distribution terms, from net income and principal ( if income is insufficient ) were violated/ not followed by Sole Trustee- XXXX XXXX Bank of America . 
* The use of loans is/ was not authorized within the irrevocable court crated trust for incapacitated minor, by beneficiary or trustee. 
*Texas Property Code 142.005, which the irrevocable trust was created under specifically voids out trustee lending beneficiary property/ funds from the irrevocable court created trust. 
*Trust asset ( s ) and all income should have been paid-out to the beneficiary free of the irrevocable trust upon termination in XX/XX/XXXX. 
*Assets were sold to XXXX XXXX XXXX XXXX XXXX from XXXX XXXX Bank of America around XX/XX/XXXX according to an employee with XXXX XXXX XXXX XXXX XXXX XXXX 

The above information has been communicated to XXXX XXXX Bank of America for a resolution. Current day only letters of acknowledgment have been sent stating more research is required to address the identified trust 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 2018-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Towards the end of 2013 I switched credit cards from XXXX to a XXXX credit card. All charges should have switched starting in XXXX. Knowing that all charges were switched I thought everything was good, and I do n't need to monitor XXXX account any more. It turns out one small charge of {$25.00} dollar slipped and hit XXXX account. For some reason, starting that month, XXXX system failed to send email notice of statement balance. So the charge resulted in penalty and interest charges for a few months, before someone from XXXX finally called me to tell me I had a delinquent account ... all due to {$25.00} charge that I was never notified about. Long story short, and tons of calls, they decided to remove 1 late fee. I paid it promptly. The problem is the delinquent account and missed payments are still on my record. The worst part is the associate from discover admitted that system was not sending me any form of monthly statements nor did anyone call me about missed payments until account became delinquent.

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 2018-01-09 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: GA

Complaint narrative:
I was a student at XXXX college from XX/XX/XXXX -XX/XX/XXXX, I was given false information by recruiter stating the school offer job placement and would pay for students to receive state certification, which did not happen. I was contact XX/XX/XXXX by XXXX XXXX offering my loan to be put in the loan forgiveness plan using the income driven repayment option, and since then my account has accrued more interest which is ruining my credit by report false information to credit bureau which caused me to be denied when trying to refinance my home, while speaking to the gentleman he informed me that the school was still receiving founds for me in XX/XX/XXXX but I had graduated 3yrs prior, he told me, I need to fax a copy of my diploma showing when I graduated and they could look into it, I fax a copy and never heard anything back I tried several times to contact someone from the agency, but was place on hold until had to disconnect the call or hang up on me when I call to get information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There are credit inquiries listed on my report that I did not authorize. I have sent a certified letter to Equifax, but they refuse to verify/investigate or remove inquiries. The inquires are : XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation