vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CT

Complaint narrative:
In the years XX/XX/XXXX - XX/XX/XXXX, my identity got stolen and someone started using my Discover credit card. The person would use the card and then they would pay it off. I realized this was happening in XX/XX/XXXX, when a letter arrived to my house saying that a payment had been returned from an account I did not recognize. The person had access to my account and my information. They were using my account and making purchases at some place called XXXX XXXX XXXX XXXX XXXX Fl and to XXXX XXXX in XXXX as well. None of this transactions were made by me, nor were the payments. Payments came from an account marked as XXXX ending in XXXX under the name of XXXX XXXX XXXX. All the payments returned in XX/XX/XXXX, some of the payments date back to XX/XX/XXXX and they still were returned. This left my card with a balance of XXXX when my credit limit is only XXXX. I did not know it was even possible for a payment to return after 90 days, but they all did. Discover says that the transactions are not suspicious and I am responsible for it. I have filed two police reports and created an identity alert with the credit reporting agencies. XXXX and XXXX have deleted the account of my credit report, but XXXX has not. I have tried to talk to the investigators at Discover, but they have not been consistent with what they say. They have threaten me to report me to the credit reporting agencies if I did not start paying the account while it was still in investigation ( XX/XX/XXXX ). I never noticed this was happening in XX/XX/XXXX, because the balance on the account has never been accurate and I have a screenshot of when this happened in the past few months. The balance would say a number but the pending balance would say something else, leading to this never being discovered in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portnoff Law Associates, Ltd.
State: PA

Complaint narrative:
I have a property at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Every year I paid my Levee Fee. 

I used to live at XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX. I used to received my Levee bill there, I moved out since XXXX and every year from then I contact the Levee office to send the bill to my new address, which is XXXX XXXX XXXX plus I ask the agency to update their file with my new address. I also send a letter to the Levee Office stating my new address, but the levee office fail to update their system with my current address. Because of that I miss XXXX and XXXX Levee payment. 


In XX/XX/XXXX, Portnoff Law Associates located at XXXX of XXXX send a letter to XXXX XXXX XXXX with outstanding balance of {$610.00}. Again I no longer live at that address. The firm claim they send several documents to XXXX XXXX XXXX, however, I never received any document because I move out of that address over 10 years. 

I called the law firm to explained that I moved out of XXXX XXXX XXXX for over 10 years, and I ask if they can reduce the billed because the agency who usually send out their Levee bills fail to update my address in their system, and somehow I missed XXXX and XXXX payment. The law firm refuse to reduce the outstanding balance. 

I would like a reduce fair balance, because this happen because the Levee Office fail to update their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
Requested mortgage assistance for my property with financials XX/XX/2019. The  mortgage company is hard to work with and is not wanting to help me.. I have been trying to get the mortgage back on track for over a year now. Recently I moved in the property to care for my mother who is not in good health, I am responsible for her care. There is a foreclosure sale set for XX/XX/2019. I do not want to lose the house. 
The balance of the mortgage note has come due I need the mortgage assistance to get back on track with the payments and make it affordable. 

Please Help See Attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Arete Financial Group
State: MI

Complaint narrative:
On XX/XX/XXXX I was falsely mislead into believing that in order to get my student loans back on track, I needed to sign up with this company, ARETE FINANCIAL FREEDOM LLC. I was coerced into doing this when I fully disclosed a XXXX XXXX to the loan specialist I was speaking to. I was told that my student loans would be consolidated and I would be put on a Public service loan forgiveness program. To enter into this, I had to pay an upfront service fee of {$790.00} and monthly maintenance fees of {$39.00}, in which a portion of that would be going to my student loan provider. All of which I did. 

On XX/XX/XXXX and XX/XX/XXXX I received emails from XXXX XXXX ( My student loan provider ) reminding me that I needed to submit annual documents by XX/XX/XXXX. ) On XX/XX/XXXX I emailed Arete asking if I needed to provide anything to them and alerting them of recent emails from my loan provider. I never heard back from Arete, so I called XXXX servicing. At that time, I was informed that I was not enrolled in Public Service Loan Forgiveness, and that they had not received any payments from me in over a year. I was also told that a company can not charge any up front fees and that every " service '' that Arete was charging for could have been accomplished for free. 

On XX/XX/XXXX I called Arete Financial and asked for a cancellation of agreement. Person on phone was avoiding my statements. I asked to speak with a supervisor and was told no. I asked for the compliance department and was told that someone would contact me on Monday. I asked again to terminate contract and was told I would not get a refund for " services '' I asked " what services? '' The person on phone told me that the monthly service fee was for " all the time spent on the phone '' XX/XX/XXXX No one from the compliance department at Arete contacted me so I emailed Arete to terminate my contract agreement. I also cancelled my debit card. XX/XX/XXXX I emailed Arete requesting that my money be refunded. 

XX/XX/XXXX Arete refunded me {$350.00} ( equaling amount of monthly maintenance fee 's I had paid to them ) XX/XX/XXXX I emailed Arete asking for the remaining {$790.00} and offering to call it even if they were to give me back half of that amount ... ..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Synovus Bank
State: GA

Complaint narrative:
I have been charged over {$20000.00} in overdraft fees over the last 12 years and Synovus will not renew my line of credit under my wifes name. She has a XXXX XXXX XXXX score. My theory is that Synovus just wants to keep billing me {$36.00} for every overdraft. They have charged me {$6700.00} ( overdraft fees ) since XXXX of 2017 alone. I also have hundreds of emails with Synovus employees where they have approved my overdrafts but declined my request for a line of credit to cover the overdrafts. I have never missed a payment of my line of credit/installment loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regions bank charges overdraft fees based solely on available balance. I was most recently charged 2 overdraft fees on transactions that brought my posted balance to a positive amount because there are pending transactions completed after the posted transactions, which will receive ADDITIONAL overdraft fees if a deposit isnt made. These charges arent based on anything other than the available balance being low, even though my actual posted balance was POSITIVE. 

Example : Starting balance : {$55.00} Pending transactions : {$25.00}, {$25.00} New posted transactions : {$25.00}, {$25.00} Despite the posted balance being + {$5.00}, I receive {$72.00} in overdraft fees, then an additional {$72.00} in overdraft fees when the pending transactions post.

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 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I deposited a cashier 's check for {$1000.00} on Monday XX/XX/19. Bank of America has placed a hold on this cashier 's check until XX/XX/19. I do not have a history of depositing fraudulent checks and my account is not new. I have called customer service repeatedly and have not been told why they are holding my funds.

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 2019-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
RE : XX/XX/2019 CFPB complaint # XXXX-XXXX and subsequent XX/XX/2019 application for SPS RMA program. 

I received a letter from SPS dated XX/XX/19 ( today XX/XX/19 ) explaining that XXXX   XXXX actually owns my mortgage account not SPS? 

SPS also is sending account verification documents which is not the subject of my CFPB complaint. The essence of this CFPB complaint is germane to my SPS mortgage payment was that : ID Theft activity left me unable to make my monthly payments putting me 2 - 3 months behind with all of my current creditors. 

And the SPS relationship managers e.g., XXXX XXXX were calling demanding payments after I explained my circumstances e.g., ID Theft ( no money in the bank ). 

And to explain that I am in the process of working with those creditors including SPS ( Legacy Mortgage ) for payment arrangements ( RMA ) while I wait for whether or not XXXX investigators finds the person ( s ) that seems to have unfettered access to my XXXX accounts using PII?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
The complaint is against American Express, namely an American Express " Blue Cash '' account, a joint account between my wife and I. We had set up an automatic payment of $ XXXX/mo to the account. On XX/XX/2019, this payment was made to American Express, then on XX/XX/2019, TWO MORE {$200.00} withdrawals were made to our checking account, for a total of an additional {$400.00}. Upon noticing this, we immediately contacted the company customer service, and on XX/XX/2019, they refunded ONE of the additional {$200.00} debits. We asked when we could expect the 2nd refund and were told it would have to come by check and an inquiry would be started. Since then we have called American Express customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX.

Each time the customer service rep was very sorry this happened, and would add ANOTHER inquiry, which when we checked the website, were closed. Also each rep seemed to have a different answer on whether we would get a check or they would deposit the remaining {$200.00} back in our account. Each rep was asked WHY the initial {$200.00} that was taken on XX/XX/2019 could be refunded to us basically TWO DAYS LATER on XX/XX/2019, via deposit to our checking account and WHY are we still looking for the second {$200.00} OVER TWO MONTHS LATER? NONE had any kind of an answer to this. The inquirys that have been placed for this problem up until the last one ( XX/XX/XXXX ) were closed with no apparent action. Also all of them, up to the last two had " Ticket/Merchandise not recieved '', which, to us, meant nothing. The last two inquiries, XX/XX/XXXX and XX/XX/XXXX, at LEAST showed " Credit Balance Refund '' BUT the XX/XX/XXXX one was closed without any action apparent to us.

BOTTOM LINE : We have been led on a merry chase with American Express and since we are retired and living on a fixed income, for this company to take our regular payment then take TWO ADDITIONAL " payments '', is unconcionable. Needless to say we no longer allow them to take payments monthly from our account.

Thank you, XXXX  and XXXX   XXXX  XXXX NOTE : Account Number/Inquiry Numbers available on request..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-18 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: AR

Complaint narrative:
I have a trade line XXXX/XXXX on my credit bureau report. This account reported 30 days late in error. In response I contacted the XXXX XXXX, filed a complaint with CFPB, and filed disputes with all the major credit bureaus. While the disputes were pending, XXXX XXXX processed the correction to the CBR to show the account was never late. Experian and the others ( XXXX XXXX and XXXX  ) updated the file to show that the account was current. A few days later the dispute from experian concluded and they changed the account from current back to 30 days late. I have been trying to correct this with them to no avail. My score has dropped 100 points and I am we are in the process of trying to buy a home. This is causing real damage and needs to be corrected immediately.

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 2019-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received a Pre-Qualification letter in the amount of {$450000.00} from XXXX XXXX at Santander Bank on XXXX XXXX. I told XXXX that I didn't have 2yrs income, but XXXX said I would still be approved. I then went searching for properties in Connecticut. I found a property and my offer was accepted on XX/XX/XXXX, I sent XXXX the contract to start processing right away. Throughout the process XXXX has been misleading and didn't inform me on anything that was going. My Realtor called XXXX on XX/XX/XXXX to get an update on the process she asked why haven't I started my Loan application and XXXX told her I did my loan application a long time ago which was incorrect. She then told him that I never signed anything so how was the mortgage application completed with my knowing and without a property in place. She asked XXXX if he explained the process to me and he told her he did, but he can't always be available because he is over 3 different branches and is busy.she asked if there was someone else she could speak with regarding this loan and he told her no. XXXX then called me to process the mortgage application on XX/XX/XXXX. My Attorney, My Realtor and myself called XXXX to get an update on XXXX and XXXX stated he should hear something by XX/XX/XXXX. He never told us he just processed the application. I didn't hear anything back from him so my Realtor called him on XX/XX/XXXX for status update but XXXX didn't answer her call. He then called me telling me the loan was denied. He didn't give me any paperwork or anything. My realtor called the branch located in the XXXX and the staff wouldn't connect her to a manager. The Sellers are holding {$7500.00} of my money and I can't get it back without a denial letter. Also, XXXX knew I only earned {$15000.00} in XXXX and my XXXX XXXX  was XXXX for my new business that has been opened for 1yr. Instead of telling me the truth he lied and dragged this whole process out. He also switched my loan fromFHA to Conventional without my knowledge but told my Realtor he didn't know Connecticut FHA guidelines were different from NEW Yorks.

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 2019-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I called PHH mortgage to request my pay off on XX/XX/2019. I have since then called about 7 times with no resolution. My title company has called as well and i have spoken to a manager. Until this day we have yet to receive a pay off and it has past Seven business days. notice of error ). ( 12 C.F.R. 1026.35. ) This has caused me a financial hardship and about to loose the sale of my home due to the lengthy waiting period. I need your help in resolving this issue please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
My payment to pay down credit card balance was not processed despite the transfer being cleared by the financial institution the transfer originated from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The Veterans Administration determined my date of total disability as XX/XX/XXXX. Due to backlog, my VHA determination was not processed until XXXX. From XXXX to XXXX, I have REPEATEDLY disputed the information on my credit report with TransUnion. TransUnion has FAILED to properly investigate my dispute and this has resulted to adverse credit decisions for nearly half-of-a-decade. 

XXXX XXXX no longer has this loan and it was transferred to XXXX. According to XXXX, the debt was forgiven effective XX/XX/XXXX and the information in the TransUnion credit report is incorrect and should have never been reported. 

No one is accepting responsibility to for the incorrect adverse information, yet it is still on my credit report. Despite repeated disputes, TransUnion has failed in their due diligence to properly investigate and report my information.

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 2019-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: CO

Complaint narrative:
XXXX XXXX of Fairway Independent has been unresponsive for months and made it difficult for me to get clarification on questions I have regarding the refinance. After contacting multiple people and expressing my frustration I finally got a few answers to questions I had. I was then directed by XXXX to skip my XXXX payment and that wed close the first week of XXXX. My refinance happened and I have received a late payment notification and threat from XXXX if the mortgage is not paid. I reached out to XXXX for clarification and have been ignored. He is now messing with my finances and credit. This is unacceptable. I have contacted him weekly since XX/XX/XXXX and received zero response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I was presented with a promotion from Merrill Edge claiming that if I opened an account and deposited more than {$20000.00} into it, that I would get two benefits from Bank of America : 1. I would be granted Preferred Rewards status within 30 days.

2. I would be moved up to the tier of Preferred Rewards corresponding to my total asset value regardless of the 3-month rolling average within 30 days after that. 

On XX/XX/XXXX, in accordance with this promise, I deposited {$50000.00} ( which would qualify me for the Platinum Tier ). 

As of XX/XX/XXXX, I was not enrolled in Preferred Rewards. I went to the bank the next week and was told it would happen by the end of the week, which it did ( 7 days after their printed promotion had promised ). 

Today is XX/XX/XXXX. As of today, I STILL have not been moved up to the Platinum Tier. This is 19 days after it should have occurred. Every time I use my credit card, I am missing out on rewards dollars because of Bank of America 's rewards booster for Preferred Rewards clients ( which increases based on tier ).

I have gone into the branch and called, and no one will fix the problem. The Merrill people say the bank has to do it, and the bank people says that Merrill has to do it. It is very frustrating.

For me, this is primarily a matter of principle. Investment organizations should NOT be able to lie to their clients in order to get deposits.

I have been informed I am not the first person to be deceived like this.

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