vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied for a mortgage refinance loan from PenFed credit union in XXXX 2016 via the internet and gave them the requested information they sought, which included income from my wife and myself, past credit experience etc. About four days later I received an E-mail from their loan broker in XXXX, Oregon stating that he had my application from his home office, and that it appeared I would not qualify for the loan because of my income level, even though it all had not been verified. I therefore ask the loan officer to cancel my request, which he agree to do. In the loan application they requested a bank card to cover expenses in processing the loan. I believed they have incurred no expenses but they have charged my credit card with {$84.00}. Why? 
I called the PenFed office and asked that they remove the charge of {$84.00} since they have incurred no expense except for the on line application. They refused my request. I argued that the only information they had for the application was the info I provided for them on my online application. 
I would like to have the PenFed charge removed from my credit card or the amount of their charge be returned to me.

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 2015-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I did not receive Notice of Sevice Transfer from Bank of America until 9 days before it is due to changee. I received it yesterday ( XXXX XXXX, 2015 ) even though the Notice Date says XXXX XXXX, 2015. If I am paying a bill through the mail and want to avoid late fees, it is MY responsibility to make sure that I send it in a timeframe which will guarantee it will arrive ON OR BEFORE the date it is due. Why is n't a BANK held to the same standards? Also, I do n't know if it is pertinent, but I am XXXX and they sold my loan to XXXX, a company that has been sued. I never missed a payment, my loan is in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Months ago I went to the bank to get options from regions bank about IRAs. I explained I was interested in a IRA but this employee insisted on telling me to put the money in a annuity after I explained what I needed the money for. She did not tell me all the of the pitfalls of the annuity. When I needed to take out money for an emergency I then learned from the annuity that there was a stiff penalty. I complained to the bank manager after finding out the penalty and he said he would cancel the annuity for me after being duped by this bank employee. It was never done and I have a medical emergency and can not take out the money without a stiff penalty. I do not know where to turn to. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
I am constantly receiving " Notices to Foreclose '' because my lender, First Republic Bank, is not managing my loan properly. I make monthly payments and they apply them to reduce the principle of the loan instead of making the monthly payment as intended. Out of frustration, I set up my monthly mortgage payment as an auto-debit through my XXXX checking account. They did n't get that processing handled either and, again, I received a " Notice to Foreclose ''. I do n't know what more I can do to get these payments made properly. I am completely convinced that they are making errors in order to charge late fees. I am concerned about their errors as it relates to my credit scores. I have owned eight homes over the last 30 years and I have never, ever had these problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
The company Fortiva has provided misleading information when it comes to submitting online payments and their customer service is horrible. I normally pay all my credit cards online because I feel safer if I am able to submit an online payment. Every time i have tried to submit a payment online the website it always under maintenance no matter what time of day it is. Which leads me to believe that this method of payment is not available. This is very misleading as mentioned on the statement this is a method of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Nationwide Biweekly Administration, Inc.
State: CA

Complaint narrative:
I enrolled with Nationwide Biweekly Administration for bi-weekly debits to pay-down my mortgage " quicker '' and save money on interest. I signed a contract that was to last the lifetime of the loan ( 30 years ) and they were to provide the service bi-weekly to pay the loan for me. I was charged {$580.00} for these services with on-going charges of $ XXXX/year. After 2 years with the program, my bank is no longer being debited and NBA is no longer paying the loan for me. They have " suspended '' all accounts and refuse to refund the enrollment costs taken for their services which they are no longer providing. There is no where in the contract that says they can temporarily not provide the services I paid a very large sum to use. 
They are not available by phone and after weeks of trying to reach someone I was told that no refunds will be issued - which is a problem for me because I am not interested in paying for services that I am not receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Over the XX/XX/XXXX holiday, my Regions XXXX Debit card was hacked and over {$1000.00} of unauthorized purchases were made using the card. Of course, the bank was closed for 3 days during the holiday and would not allow a dispute be filed until the charges " posted ''. Did you know, Regions does not immediately put the money back into your account, pending an investigation like every other bank in this country does. There is a XXXX waiting period and they do n't make exceptions. Did you know they do not issue temporary bank cards ( bank personnel told me they are not that technically savvy! ) The also do not have courtesy checks for a customer to use when they ca n't get a temporary bank card - according to my " personal banker '', Regions had too much " fraud '' that way ... .. REALLY?? 

In addition to a XXXX day delay, they start hitting you with NSF charges even though my legitimate charges came BEFORE the unauthorized charge. Regions chose to hit me with approx. {$250.00} in NSF charges. Since the bank took an additional XXXX day New Years holiday there was no way to get any money out of my bank. My direct deposit paycheck was taken by the bank to cover the charges including the NSF fees. I am closing this account as soon as I can change my direct deposit to another bank. I would NEVER under any conditions open an account or recommend this bank to anyone!! As for my Regions " personal banker '', I want to thank you for nothing and a special thank you to the bank XXXX who refused to reimburse me the NSF fees knowing that I have never over-drafted my account and the fees were incorrectly charged. And please change the automated message on your voice recording saying Regions has the highest customer satisfaction rating of any bank. You MUST BE JOKING!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF THE WEST
State: TX

Complaint narrative:
Bank of the west financed my boat for fifteen years during the first five years at XXXX XXXX they had a promotion to extend a payment for fifteen dollars I took advantage of this for five years .I paid off the loan including the five extra payments, then, I was told I still owed XXXX more for interest on those promotions.i complained but to no avail so I continued to make three more payments before I found out they reported my loan a write off to the credit bureau.I turned this over to a law firm they are writing a letter stating deseptive trade.the law firm advised me to turn this in to you .please advise me of what else I can do to get my titles on the boat and motor and clear 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 2016-10-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Call Center Technologies, LLC
State: NJ

Complaint narrative:
I currently have a part time job and unable to pay for my debt that 's been sent to collections. Spoke about a payment plan I also can not commit based on my income. It 's frustrating to know how the government deferred my student loans based on my income but this company can not do the same. I addressed I do NOT wish to abandon my financial responsibilities, but with their repeated calls everyday ( 4 times average calls throughout the day ), they expect me to already have a new job when In fact I 'm still looking for a full time job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Concord Resolution Inc (Closed)
State: OK

Complaint narrative:
A PayDay Loan Company is trying to send my " account '' to collections and Concord Resolution Inc contacted me on their behalf attempting to get my SSN, Bank Info, ect. 

XXXX. I have n't received a PayDay Loan. 
XXXX. None of this shows in my credit report. 
XXXX. Concord Resolution keeps calling me incessantly with an automated message to call them and " file a formal statement on my behalf ''. 
XXXX. They are n't giving me the name of the Pay Day Loan Company that is supposedly launching this complaint. They are just threatening me to try and obtain my banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C.
State: NE

Complaint narrative:
Gurstel Chargo has committed numerous FDCPA violations related to a dunning letter sent to consumer dated XXXX XXXX, 2015. In the letterhead of the 'dunning ' letter Gurstel Chargo claims to have offices located in Nebraska . Checking with the Secretary of State 's Office, no licensed collection agency by that name exists. Furthermore, the letterhead represents Attorneys at Law but has a 'disclaimer ' in the body of the letter that states : " At this time, no attorney with this law firm has personally reviewed the particular circumstances of your account. '' - If an agency incorporates the use of form collection demands on attorney letterhead the agency MUST incorporate " meaningful attorney involvement '', into its collection process. 15 U.S.C. Section 1692e. These are just a few violations regarding a dunning letter sent to consumer dated XXXX XXXX, 2015. 
Consumer will file a federal and state lawsuit against Gurstel Chargo for violations of the FDCPA, FCRA and TCPA if Gurstel Chargo continues to contact consumer by mail and/or telephone after receipt of dispute notification. Consumer wishes Gurstel Chargo to 'cease ' all contact with consumer as consumer does not owe a debt to Gurstel Chargo . Consumer has no fiduciary, contractual obligation to pay Gurstel Chargo anything. There is no payment history, nor products, or services that have been rendered to Gurstel Chargo, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Consumer 's sole income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of -household and possesses no property of value. Consumer 's federally protected income presents a 'genuine issue of material fact ', that will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will 'tender ' as evidence in a court proceeding if Gurstel Chargo pursues this matter. Consumer refuses to be a victim of 'unjust enrichment ' or extortion. Consumer thanks CFPB for providing this venue as documentation.

Company response to consumer: Closed
Consumer complaint received 2015-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I started the weekend with my account at XXXX dollars. I had my rent come out on monday which was XXXX During the weekend I deposited money that I knew would not be available until tuesday. On tuesday the money was made available from my deposit. Also on tuesday my transactions from the weekend posted. According to my account history provided by the bank to me, Before any transactions posted I carried a balance of XXXX dollars. I had XXXX transactions post all of which were less than the amount of the deposit I made over the weekend. According to bank policy which was verified to me by the bank manager transactions post from large to small. therefore i had enough funds to cover all transactions, and my bank register confirmed so. However, I was charged with almost XXXX dollars in overdraft fees. Furthermore, I am having issues with getting more fees and dishonored payment fees because the banks original overdraft fees made me go into the negative almost XXXX dollars. The bank claims no refunds unless bank error. I argue that it is a bank error because i had the funds available to cover all transactions. I spoke with the teller and manager as well as customer service. I was hung up on by customer service when the issue was brought up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Two years after I thought I paid off my student loan Navient contacted me, without introduction, asking me to pay off my student loan. What loan, I thought, they I have another loan I was unaware of? The long and short, after six months of hounding me, along with the XXXX, ( not their fault ) they finally certified the loan " paid-in-full. '' However, the experience was a big pain : calls, letters, more calls, more letters, more calls_ususally a call center in the XXXX. Talking to them was like talking to a wall. I kept asking for an " amortization schedule '' to no avail, just a useless list of how the money was disbursed. Finally I spoke to an some specialist " adviser '' with them. I insisted I would not pay anything without an " amortization schedule. '' But, he said, that will take a lot of time. That 's when they " forgave '' the loan. They are the worst. Now I 'm concerned that all these years they may have mishandled my loan without my knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
This is a complaint against the CFPB. I filed a complaint with you over violations of the CARD Act of 2009 by Pentagon Federal Credit Union ( case no. XXXX ). Their entire response was only to claim they needed more time to " research '' the issue. A week later their " update '' was that they were still " researching '' : it. When I disputed that, your own response was simply to close my complaint. What kind of XXXX is this? Are you going to enforce the law or not? And if not, who do I need to contact in order to hold Penfed accountable? Or can they just get away indefinitely with violating federal law? You are a useless agency. Perhaps CFPB should be shut down. I think it is not unreasonable to expect some accountability from someone around here and so far I 'm not getting it. Is anyone there going to actually DO something about this or not? And do n't tell me to hire a lawyer. If I have to sue these people myself, then what exactly is your function?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I contacted PayPal to inquire as to why a transfer of funds was " Pending '' and not sent. I was informed by " XXXX '' that the funds were in fact sent but were currently " at the Federal Reserves so they can confirm the money and the bank account are [ mine ] through the Federal Reserves clearing process. '' I asked to speak with a manager and proceeded to hold 10 minutes. Once the manager, " XXXX, '' got on the line she stated PayPal no longer had the funds and that there is a 3-5 day clearing process by the Federal Reserves. I stated the Federal Reserve does not " hold '' funds as it is an automated clearinghouse function. XXXX stated PayPal does not hold any funds. Before disconnecting I confirmed what I learned from my inquiry was PayPal sent the funds to the Federal Reserve and the Federal Reserve currently had my funds to confirm they were actually mine and my bank account was actually mine. XXXX confirmed this was accurate. I stated I would be contacting the Federal Reserve. 

Following the call I contacted the Federal Reserve and was told " PayPal continually tells customers money is being held by the Fed. '' I also learned there is a max of 2 days to hold funds. I inquired about who governs PayPal and was told the CFPB. Once I disconnected from the call I logged back into my PayPal account and the transaction was magically marked " Completed '' and no longer " Pending. '' Can you please explain how UDA ( A ) P would not apply to this situation? Is this not an example of a misleading act ( or even practice given the statement made by the individual with the Federal Reserve related to PayPal continuing to tell customers the Fed is holding their money )?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: VA

Complaint narrative:
This company has placed a stop on my vehicle registration for supposed tunnel fees that they should not have been accrued due to me having XXXX EZ pass accounts for over 8 years. I spoke to a manager by the name of XXXX XXXX who was rude and unwilling to even listen to me. He tried to tell me that they have charged me {$53.00} per transaction for {$1.00} tunnel fees that they admittedly never sent me an itemization of from 2013. They apparently received my information from the XXXX XXXX XXXX XXXX, which I have only used about XXXX times in the past going to see XXXX, as I am a XXXX. This is an absolute scam. The manager told me that he was unwilling to release my registration with the Virginia DMV unless I paid him {$450.00} for my car and another {$400.00} for my SUV that I no longer even own. The state needs to do something about these companies praying on people to collect fictitious fees. I asked him over and over to give me dates because I am disputing this being that I have an EZ pass account with XXXX EZ passes. This is ridiculous and futhermore, if this was from 3 years ago, why havent they made any contact with me and why are they just now placing a hold on my registration? I contacted them when I found out about the hold while trying to register my XXXX. My SUV was registered with no issue back in XXXX. This should be illegal and the state should put a stop to these predatory practices. I am attaching proof of my EZ passes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have provided Identity theft Report, disputed.this debt as such with the original creditor, advised XXXX that I DID NOT open this account. There have been other creditors that I have notified and had this issue resolved. LVNV has purchased this debt, and I have submitted to XXXX XXXX XXXX a validation of debt and a copy of the Police report which I am not sure if they have received. I will be filing an Attorney General, FTC complaint against XXXX, LVNV, and XXXX XXXX if this is not resolved. This is the only headache that I have endured after I started to receive collection calls and then check by credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Resurgent Capital ( XXXX ) submitted a claim on a credit card that the Statute of Limitation has run out. They have submitted a claim on my chapter XXXX bankruptcy that had a charge off date of 2003. I have prevously disputed the debt several times when they bought this debt from XXXX. They have not been able to provide me a verification of the debt, so this debt is not valid.

Company response to consumer: Closed with explanation