vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I want to find out if my husband and I were impacted by Wells Fargo 's illegal practice of opening unauthorized accounts. All the resources say to check our Wells Fargo bank account for unusual activity. But the problem is we are no longer a Wells Fargo customer, because of their unusual and seemingly illegal activities on our bank account, we changed banks several years ago. I contacted Wells Fargo to complain about their practice of taking funds out of our checking account several days prior to the authorized date, causing our account at times to be overdrawn. Especially when they took our mortgage payment out 3-5 days prior to sending it to the mortgage company. I asked repeatedly what were they doing with our money during that period, were they investing it to make money off of it? They gave me all kinds of vague answers saying it was perfectly legal and they wanted to ensure I would have the funds available and this was their way of ensuring that. After months of frustration and unable to stop them from taking our money out of our account unauthorized, first we stopped using their online banking to authorize certain large payments, then we just changed banks. But I believe strongly that the money they were deducting from our account may have been used to set up unauthorized accounts. Can someone assist me with how to research this since I no longer even have an account with them, and we did not have paper statements from them from that time period? Thank you!

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 2017-08-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Asset Recovery Solutions, LLC
State: FL

Complaint narrative:
Hello, My student has sold my student loans to a private collections company, and they are constantly calling me at my job and at work. They are putting me at risk at losing my job because they are calling me there. Also, I am not sure who is the primary holder of the loan. I ask them for paper work of when the loan documents were sign and they have not forward this to me. I am unable to pay it as I have XXXX child, and not able to pay my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have tried multiple times, with no success, to get validation of a debt being reported on my XXXX  and XXXX reports. I have contacted XXXX, XXXX and National Credit Systems for validation, however, the only thing I continue to receive are updates to my disputes that the account has been verified and updated. I have yet to receive documentation, as requested from either party. I 've been trying for two months now with no success. I 've sent US Certified Mail to all three parties on multiple occasions. In addition to me trying to get these two accounts being reported by National Credit Systems deleted from my credit report, there has been a third account added to my report, with an open date of XX/XX/XXXX that was not on my report prior to XX/XX/XXXX. I am not sure why this account was added to my report. The account numbers are # XXXX in the amount of {$1900.00}, # XXXX in the amount of {$500.00} and the third account # XXXX in the amount of {$2400.00}, which is the total amount of the two previous accounts added together. National Credit Systems added a third account to my creditreport combining the two totals from the previous accounts and now, it is showing that I have three outstanding accounts with this company. Not only has XXXX, XXXX and National Credit Systems failed to provide me with written documentation as to the validity of this debt, they have also not provided me with documentation as to how they went about verifying the debt. I do not believe that the debt can be validated and am asking that all three negative entries be deleted from my credit reports immediately. Finally, I checked the North Carolina Department of Insurance website to see if National Credit Systems had the permits to collect on this debt and they do not.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was referred by the XXXX District Court of Maryland in XXXX to the Consumer Financial Protection Bureau regarding my complaint with Bank of America. A representative a couple years ago via phone rudely addressed to myself that Bank of America would aggressively close my account. I had attempted to resolve the issue ; however the financial institution did not listen. They had shared that it was because of a report to XXXX. I had investigated the report ; XXXX had removed the debt because it was proven to be inaccurate with the documentation that I have provided. However, Bank of America still refuses to open a bank account, despite the removal. My complaint is how aggressively they had closed the account in general. I was recently shared by a representative in person it was due to " issues with Bank of America. '' In addition, there are other civilians who occasionally complaint about the financial institution. Respectfully, and as a voice for communities, other consumers have shared that representatives are disrespectful towards them, have high expectations and have them wait for extensive periods of time. As a courtesy, these issues are being addressed because there are communities, such as XXXX, MD, and New Jersey that are unhappy with Bank of America. Consequently, and per the referral of the XXXX District Court of Maryland courthouse, I am raises these concerns, and matter to the Consumer Financial Protection Bureau.

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 2017-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORG GC GP BUYER, LLC
State: WI

Complaint narrative:
XX/XX/2017
 This morning I called GC services to see where the status of my student loan payments were I was currently  on a payment plan for $XXXX a month When I called they told me im no longer on a pay arrangement. GC services stated that I had to start the payment program again I said why im already on the payment arrangement the lady then put the manager on the phone he  informed  me that  they deleted my card information  they claimed to have called me ,but i didn't receive a phone call ,or email ,also I was sent proof of my payment received and put towards my amount .I was told that I had to do the program all over  again which will effect my Income taxes and my enrollment in college. Also the manager stated that there wasn't a payment set arrangement set-up i started it in XX/XX/XXXX here is proof
Information from GC Services Regarding Your Student Loan With XXXX XXXX XXXX
GC Services 
To	XXXX  XX/XX/XXXX at XXXX XXXX
This message contains blocked images.Show Images Change this setting
Your eDocument is best viewed using the latest version of the Adobe Reader - get it here
XXXX
Welcome to eNotice - Please review this email carefully.
XXXX	
Authenticate Your Details:
                                          
XXXX XXXX XXXX
Address: XXXX XXXX XXXX XXXX 
Dear XXXX XXXX XXXX
Our records indicate that we have your permission to communicate with you via email at the following address: XXXX
To open your secure enotice document:
1.  Open the PDF attachment.
2.  Provide your five digit zip code to open the secure enotice pdf.
We are committed to customer satisfaction. If you have any questions, please contact us using the contact information below.
Sincerely,
GC Services XXXX XXXX	Your eDocument is Secure
This eDocument is encrypted for your protection. To view the document enter your five digit zip code in the Password field of the PDF.
                  
XXXX	Get Adobe Reader
You'll need the Adobe Reader to view your secure eDocument. Get it now.
You may contact us at:
Phone: (XXXX) XXXX
Website: www.gcserv.com
Email: XXXX 
Unsubscribe Instructions
If you no longer wish to receive emails regarding your account, please give us a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: NC

Complaint narrative:
I have tried multiple times, with no success, to get validation of a debt being reported on my XXXX  and TransUnion reports. I have contacted XXXX, TransUnion and XXXX XXXX XXXX for validation, however, the only thing I continue to receive are updates to my disputes that the account has been verified and updated. I have yet to receive documentation, as requested from either party. I 'vebeen trying for two months now with no success. I 've sent US Certified Mail to all three parties on  multiple occasions. In addition to me trying to get these two accounts being reported by XXXX XXXX XXXX deleted from my credit report, there has been a third account added to my report, with an open date of XX/XX/XXXX that was not on my report prior to XX/XX/XXXX. I am not sure why this account was added to my report. The account numbers are # XXXX in the amount of {$1900.00}, # XXXX in the amount of {$500.00} and the third account # XXXX in the amount of {$2400.00}, which is the total amount of the two previous accounts added together. XXXX XXXX XXXX added a third account to my credit report combining the two totals from the previous accounts and now, it is showing that I have three outstanding accounts with this company. Not only has XX/XX/XXXX, TransUnion and XXXX XXXX XXXX failed to provide me with written documentation as to the validity of this debt, they have also not provided me with documentation as to how they went about verifying the debt. I do not believe that the debt can be validated and am asking that all three negative entries be deleted from my credit reports immediately. Finally, I checked the North Carolina Department of Insurance website to see if XXXX XXXX XXXX had the permits to collect on this debt and they do not.

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 2017-08-02 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: NC

Complaint narrative:
I have tried multiple times, with no success, to get validation of a debt being reported on my Experian and XXXX reports. I have contacted Experian, XXXX and XXXX XXXX XXXX for validation, however, the only thing I continue to receive are updates to my disputes that the account has been verified and updated. I have yet to receive documentation, as requested from either party. I 'vebeen trying for two months now with no success. I 've sent US Certified Mail to all three parties on  multiple occasions. In addition to me trying to get these two accounts being reported by XXXX XXXX XXXX deleted from my credit report, there has been a third account added to my report, with an open date of XX/XX/XXXX that was not on my report prior to XX/XX/XXXX. I am not sure why this account was added to my report. The account numbers are # XXXX in the amount of {$1900.00}, # XXXX in the amount of {$500.00} and the third account # XXXX in the amount of {$2400.00}, which is the total amount of the two previous accounts added together. XXXX XXXX XXXX added a third account to my creditreport combining the two totals from the previous accounts and now, it is showing that I have three outstanding accounts with this company. Not only has Experian, XXXX and XXXX XXXX XXXX failed to provide me with written documentation as to the validity of this debt, they have also not provided me with documentation as to how they went about verifying the debt. I do not believe that the debt can be validated and am asking that all three negative entries be deleted from my credit reports immediately. 
Finally, I checked the North Carolina Department of Insurance website to see if XXXX XXXX XXXX  had the permits to collect on this debt and they do not.

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 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: North American Credit Services
State: NC

Complaint narrative:
Spoke with the company responsible for the inquiry on my credit report on XX/XX/2017, was told that they do not remove inquiries, and that it remains. I have also contacted XXXX the credit reporting agency where the inquiry is showing. Neither attempts have been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have had this account with US Bank since XX/XX/XXXX, with very few issues. On XX/XX/XXXX my account was overdrawn by {$2.00}. I made a deposit during regular business hours in the amount of {$330.00}, on XX/XX/XXXX, which should have covered the OD. Instead the bank charged me {$72.00} worth of OD charges. My deposit was the same day. I am retired, and on a fixed income, and the bank has put me in a position, where I will not have enough $ to pay all my obligations for this month! How can I get the funds credited back, when they were fraudulently taken. In XX/XX/XXXX, I read an article describing US Banks new policy, to no longer charge OD fees, when the account is less than {$5.00} overdrawn, to begin XX/XX/XXXX. This is Discriminatory against a senior citizen, and is usery, which is prohibited by law. I think US Bank has No concern for their customers. Can you 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 monetary relief
Consumer complaint received 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Submitted a written statement detailing that the inquiry on my credit report be investigated as i have not financed or attempted to finance a loan with this company. Still remains on my credit report and XXXX  the credit reporting agency will not allow me to dispute the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I just have a simple complaint about the business overall. My credit card was issued through XXXX XXXX XXXX, and is managed by TD bank. It is no longer an active card, as XXXX has changed its banking since then, or some such thing. My complaint is -- I ca n't reach a person. Their round and round automation can make a person unpeel. I ca n't remember the dates in the past, but I have tried to call them twice about issues I had when trying to make a payment. On XXXX XXXX, 2017 I called to discuss my bill with someone. Nope. I am current on payments, but I wanted to discuss my next payment. Obviously the banks are on to the blanket advice from financial advisors to " talk to the company, they 'll deal with you '' It 's time for consumers to stop putting up with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
The company states that I have n't payed them off. I have. They are threatening and harassing me. They are threatening to come to me work place and take legal action. I know they were paid off years ago. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they took out XXXX from my checking account. There is no way I could have even borrowed that much money. If anything I have already over paid, even with interest. They say I owe one more payment and that they will go to my work place to collect.

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 2017-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My Wells Fargo Mortgage number is XXXX and my name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA. In XXXX 2017, I applied for a credit card with Wells Fargo online and was told I would be receiving a letter by mail with the decision. On XXXX XXXX, 2017 I received a letter stating my application was denied because my well Fargo mortgage was foreclosed. Yes, I do have a Wells Fargo mortgage but I have never been In Forecloser or faced for closer. I can be reached at XXXX or by email XXXXXXXXXXXX Thanks

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 2017-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: TX

Complaint narrative:
I sold my home and the mortgage was paid off on XXXX/XXXX/17. At the time the mortgage was paid off, I had an escrow balance of {$8400.00}. I sent a letter to Homebridge Financial requesting the escrow balance be refunded and I provided a current mailing address. It 's now been 20 days, and I have not had my escrow balance refunded. Is there a limit to the time frame the bank can withhold my money?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion allowed access to my credit report without my permission and request credit reporting agency to demonstrate clear permission in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX made a hard inquiry twice in XXXX without my permission.

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 2017-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AR

Complaint narrative:
I received a letter from my Mortgage company letting me know that my loan was being transferred to another company. The date the letter was written was X/XX/17. My understanding is that they are required to give no less than a 15 day notice. This letter was sent regular US mail. This letter did not arrive within the 15 day notice. Also, the letter stated that they will no longer be accepting payments after XXXX XXXX, 2017. The mortgage payment ( 1/2 ) was drafted out of my account on XXXX XXXX, 2017, which I was not expecting. With my previous mortgage company, I was set up on a " flex payment plan '' which allowed half the payment to be paid on the XXXX of the month, and half the payment to be paid on the XXXX of the month, and this was on automatic draft. This method worked very well for the way that I get paid and when my other bills are due. I can not pay the full amount in one lump sum payment on the first, or it leaves my family without money left over for groceries, gas, etc. I called the new servicing company, LoanCare , LLC, to quickly sign up for bi-weekly payments on automatic draft. I was told that they do not accept bi-weekly payments, but they have a third party that will assist with this, however, they charge a large fee to do this. I had no voice in my mortgage being transferred, but my understanding is that the terms of your loan should not change. I strongly believe that my options as far as payment should continue as they previously were, WITHOUT an additional charge.

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