vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo has been has been taking claims and then reversing the fees even after I worked with the consumer and was advised by the consumer themselves to contact the bank. The company, in certain cases even authorized a partial refund as the problem continued. I contacted the bank they issue a refund and file the claim but, then would reverse the charges at very inopportune time during the holiday. As well as all year. I had another issue where they just out right refused to file the complaints fully through at all and the error was their own and I even had a banking reference number and contacted to make sure the funds were available before submitting the payment. And in addition, I was offered a presidential reimbursement, where Mr. Trump, Mr. Obama and my dad as well as a couple friends ... left checks written out to the bank with my name on it as the person it to be in care to. I understand this may not be a typical form of payment to some, but I was advised they leave the checks at the branches they are typically closest to and will even reach out to the other ones in moat cases. There is no reason that my claims should be reversed back especially my claims are of legitimacy even with out compensation offering to my claim filings. Also, I noticed anywhere from a 50 to 150 with holdings from my balance Like is just lost in air space. Please help ASAP to have this situation financially reimbursed on my behalf 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 explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: LA

Complaint narrative:
In early XX/XX/XXXX, my mortgage was sold to Roundpoint Mortgage. My mortgage payments includes escrow for flood and hazard insurance. In XX/XX/XXXX, Roundpoint mortgage paid my flood and hazard insurance with my escrow with no assistance from me. In XX/XX/XXXX, Roundpoint mortgage failed to pay my flood and hazard insurance and let them expire without contacting me. Roundpoint mortgage opened two new policies using their insurance company and used my escrow to pay for the new policies. These policies were opened without contacting me. Per Roundpoint mortgage " they did not receive the invoices my insurance company sent them and they didn't know who to pay '' ( even though they paid it last year ). The new policies only cover the structure of the house ; therefore, I have lost contents insurance, loss of use, personal liability and medical payment insurance. I was made of aware of the issue when my house flooded on XX/XX/XXXX and my insurance company told me my policy was cancelled due to non-payment. Roundpoint mortgage is also refusing to provide me copies of the two new policies because the policies are in Roundpoint Mortgage 's name, even though my escrow money was used to pay for them. In addition, it has been 11 days since I filed the flood claim and an agent has yet to be assigned to the case so no one has come to the house to inspect the damages. Roundpoint mortgage did not pay my insurance policies so they would be able to open the new policies and record the revenue for the policies. Roundpoint did not contact me in regards to these changes. Roundpoint insurance has not provided timely inspection of the property. Due to Roundpoint, my family ( including a XXXX year old ) are forced to live in a flooded house with no contents insurance and no future knowledge of when our house will be able to be livable.

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 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I made legit purchases and I got an overdraft fee for {$140.00} including for a maintenance fee. I have been with the bank for a year and supposedly I can't get anything wavered because something they never explained to me from the beginning when I first opened the account. There is always something hidden or not explained at all with any customer representative with TD on the phone or in person. 

They always seem to try to stick it to you one way or another and not care about it. I'm extremely exhausted with TD Bank and the treatment I have received from them. I haven't been through this much hassle from any other bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX - called USSA for justification *had policy explained redundantly, transferred to resolution department *resolution department extremely rude and unhelpful *Senior memeber advisor to the super boss told me i was not allowed to record him and disconnected the call. Even though they were recording. He said he would not email me any policy letter that shows what he was informing me on and i could find the information myself online. Apparently, explaining i was stranded on vacation and could not wait 5 days for the funds ... an exemption wont be granted that will release XXXX because of XXXX worth of clarification. Instead he captured the complaint for a team to reveiw. When banks are too big to need customers we clearly have an issue. Take your money to a bank that doesnt spend millions on marketing to cover up terrible customer service. Or contiue to receive explanations like you clicked agree so technically we can hold it for a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
This is an update to the claim where the bank reversed a credit of XXXX TWO times and they were wrong and did it in error and now recently sent me an email claiming they will give it back but have yet to give it back. I have made 0 purchases as a result and they never issued the the money back yet claimed they have by email. Please have a President Vice President or CEO contact me and oversee the process where it is Actually, given back to me and not just stated that it will be given back to me. They have my account in the negative because they never gave it back after claiming they would give it back. Please stop them from stealing from me and messing up my account ledger.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC
State: IL

Complaint narrative:
I came into a financial situation and was no longer able to pay my loan. I tried to email and set up a plan in writing and have heard nothing. I tried to go on line and see the terms of my agreement and they are no longer available. I know for a small loan the amount is outrageous that I have to pay and now having a situation that is beyond my control and no communication with them to solve the situation.

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 2019-01-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. My personal information was compromised and fraudulent inquiries were included in my credit report without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting these fraudulent inquiries. For yet another last time, the following inquiries are fraudulent : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX   XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX/XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX  XXXX XX/XX/XXXX 12. XXXX/XXXX  XX/XX/XXXX This letter is a written proof of my last intent to find a resolution for this case failure to which I will file a lawsuit against this company. 
I have attached for your review my dispute letter I sent to this company earlier and my FTC report

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 2019-01-08 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
hello, On this day of XX/XX/XXXX I would like to file a complaint against XXXX  and Experian for inaccurate information on my credit report! I've filed a complaint more than once to no avail. I would like you to make sure that I am treated fairly and not discriminated against based off of history, color, race, age, national origin, disability, sex, and/or religion. I'm in the process of applying for a loan with all credit accounts in Good standing, but have some negative items that are inaccurate on my credit reports with Experian and XXXX. The first and most negative item is XXXX XXXX, which appears on my XXXX credit profile. This item was removed by XXXX XXXX and Experian from my credit report but with XXXX  it still remains! XXXX XXXX closed this account with all three credit bureaus on XX/XX/XXXX. The next items in dispute with XXXX are XXXX/XXXX  in which has a balance of {$0.00} as of XX/XX/XXXX but is still showing a {$600.00} balance, and XXXX/XXXX  is showing a balance for {$23.00} in which also has a {$0.00} balance as of XX/XX/XXXX. Experian also has a balance showing on my credit report for XXXX XXXX in the amount of {$470.00} which has a balance of {$0.00} as of XX/XX/XXXX. Experian also shows a balance of {$23.00} for XXXX/XXXX which has a {$0.00} balance as of XX/XX/XXXX, and Experian also shows a balance of {$420.00} for XXXX XXXX  which also has a balance of {$0.00} as of XX/XX/XXXX. I've called them numerous times as well as filing a dispute to have these inconsistencies corrected but they still remain unchanged, although they told me that they see where the accounts have been paid in full they have not updated my report in a timely manner! Their adequate response is desperately needed to get approved for a loan, otherwise I would be denied based off of inaccurate information posted in my credit report by the Bureaus! Thanks in advance!

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 2019-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
On XX/XX/2018, my Mortgage Co. ( Ocwen ) bought my home in a sheriff sale. Prior to the sale, I felt 4 specific times my situation was mishandled.

Fast fwd to today, I can not reach my contact @ Owen. I was granted a modification after the sale, due to my complaint of mishandling/misinformation.

I completed the modification and now I owe {$9000.00}.

I don't even know who owns my home, if I can keep it if/when I can raise the money owing, etc. I can not seem to find any agency, after contacting @ least 4, that can help me. I am afraid of being homeless, I need answers of where I go from here.

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 2019-01-08 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: Nelnet, Inc.
State: FL

Complaint narrative:
This company violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my account randomly nearly 3 years ago. I was not given an answer and upon going into the branch as advised over the phone, I was given horrible service and mistreatment. The bankers that are usually nice to me were very cold and mean. I was given no reason as to why my bank account was closed and was told I can never bank with them again or reverse the decision. Ever since Chase switched to chip cards, I had a lot of trouble with my account and people had stolen my information. It seemed like my card was always being blocked for the wrong reason or messed up. Ever since Washington mutual switched to chase, the service has just gone downhill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc.
State: VA

Complaint narrative:
Any account with my name on it at XXXX XXXX XXXX XXXX was closed in good standing. Me nor my wife were informed of any debt when the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I open an account with XXXX XXXX Bank of New Jersey back on XX/XX/2018, it was reporting to Equifax for a few months then stopped. I have contacted the company which they stated that they have been reporting to the credit bureaus every month but the bureau is not listing this account & my payment history. I have called & they tell me to contact the furnisher of the information ask to have the account reinserted which I have done over five times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
I have several loans being managed by XXXX XXXX. All of these loans have been enrolled in an income based repayment plan, according to the rules for Public Student Loan Forgiveness ( PSLF ), for the better part of 6-7 years. During this time I have worked for a 501c and have submitted my Employee Certification Form every year. I make my income based repayments ( IBR ) every month and have not missed one.

However, every month I am sent a loan detail summary and the total payments XXXX XXXX says I have towards my PSLF is inaccurate. Some of the loans show as little as 3 payments, others a bit higher, but none of them show the correct number of payments for the amount of time I have been enrolled in this program.

On XX/XX/2018 I called XXXX XXXX about the incorrect qualifying PSLF payments shown on my monthly statement. I spent several hours on the phone and spoke to a few different employees from different departments ( employee ID XXXX and XXXX ). Ultimately I was told all of my payments would have to be researched and verified against all of the Employee Certification Letters I submitted. I was told this would take about 6 months.

It is now 8 months after I had this conversation. I have received no follow up from XXXX XXXX   and my monthly statements from them continue to show incorrect qualifying PSLF payments. In fact, since my phone conversation, the total number of qualifying PSLF payments on my monthly statement has not changed. Every month the numbers are the same.

It feels hopeless calling this company over and over again, reiterating the same story and hearing the same thing. I feel like this will never get addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia
State: IN

Complaint narrative:
I have had multiple issues with my closed account with XXXX XXXX. I held my account with them for 30 days, in these 30 days, I closed my account. Account # XXXX was closed on XX/XX/2018. At this time all balance amounts were paid for the 30 days I held service with the company. 
On XX/XX/XXXX, I received my first invoice from XXXX on my closed account stating I owed a balance of about {$360.00} dollars for un-returned equipment. I called the customer service line and they let me know it would take a month to process that they received my equipment and to update my account. Every month after that I kept receiving a balance of {$110.00} due. I kept calling to dispute this amount and was assured this was an error on their system and they would fix the issue. 
On XX/XX/2018 I received my final notice for the amount of {$110.00}. I called customer service, which sent me to billing. Billing let me know that they no longer could help me because my account was closed and that I had to work with their collections department. My account was closed since XX/XX/XXXX and this was the first time I was told this by the billing department. They sent me over to collections, whom told me it was up to billing to change the issue since collections had no information on the missing equipment. I was receiving no mercy. Finally, I called the office of the president to dispute that this issue has been ongoing since my account. I was given reference # XXXX for this dispute and was told it would be taken care of. 
I have since received the message from XXXX XXXX XXXX saying if I do not pay the amount it will affect my credit. I am again, disputing this collections reference. 

I have attached the proof that the equipment was delivered to the address XXXX XXXX XXXX XXXX XXXX, IN XXXX and delivered to their delivery dock and signed off by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SLM CORPORATION
State: KS

Complaint narrative:
I have a savings account with XXXX XXXX Bank aka " XXXX ''. Today when I tried to log on, I received a message that my account was locked and a phone number to call. Upon calling that number, I was transferred to a " specialist '' by the name of XXXX ( employee number XXXX ) who informed me that my account was closed because my automatic contributions were being rejected by my checking account and further that I would not be able to log on to retrieve my statements, account number, or withdraw my existing balance of {$150.00}. When I asked for her supervisor, she told me that one was not available and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Yes I am totally XXXX cant XXXX or XXXX XXXX XXXX of my right arm I am on a fixed income have too pay for medication food rent I have sent all my papers and they said they didnt receive it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
This is a continuation of the issue as detailed in complaint # XXXX.

After requesting a debt verification in a physical letter on XX/XX/XXXX, I received a phone call from someone claiming to be a representative of IQ Data International also operating as XXXX saying that they were aware of my request to verify the debt, and that they had attempted to collect a debt after the dispute was received, and they knew it to be already paid before any attempt to collect.

The representative promised to send a written response to my debt verification indicating that they had acted improperly and in error, and that the case had been closed.

To date I have not received a verification of the debt or the written response that was promised despite the deadline having passed.

IQ Data/XXXX is now refusing to respond to my communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been receiving emails starting from XX/XX/XXXX, regarding an unpaid student loan ( account no XXXX ) from XXXX. I have not taken any loan from XXXX. As I contacted XXXX the customer representative confirmed that even though the account is under same name the year of birth and the last 4 digits of SSN do not match with my credentials. Besides, the loan was taken in XX/XX/XXXX and I have entered USA in XX/XX/XXXX. Hence XXXX promised that I will not receive any email or letter communication from XXXX going forward as this is a case of mistaken identity for debt collection. However, I am still getting mails from XXXX. I contacted XXXX again but it is not getting resolved.

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