vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am a longtime customer and I brought XXXX to my local Bank of America branch to exchange for dollars on XX/XX/XXXX. These notes were 10 notes that are currently being taken out of circulation but are still legal tender untiXX/XX/XXXX I was told Bank of America could not accept these notes as of XX/XX/. 

These notes are still legal tender and I should be able to exchange them. I tried to contact someone within B of A that might have more knowledge about foreign currency but could not get past the initial customer service representative that could not have cared less about my issue. 

I am wondering if they were looking at the dates incorrectly. The teller told me that the bank stopped taking those notes as ofXX/XX/XXXX. If they were looking at English resources to check the notes thenXX/XX/XXXX would be writtenXX/XX/XXXX whereas in the US that date would be read as XX/XX/XXXX. 

XXXX XXXX XXXX XXXX is pulling the old 10 notes out of circulation to be replaced by newer polymer notes and I wont be back in XXXX until past theXX/XX/XXXXdeadline. Considering that I received those notes from Bank of America from my last foreign currency purchase it would have been nice to get a heads up about them not accepting the notes after a certain date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One doesn't let me connect with XXXX to withdraw or deposit my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
Back when I joined the XXXX and I heard about this program I switched and reconsolidated my loans back in 2014. I filed out all of the paperwork and continually followed up to make sure everything was processed and all set to which I was informed that I was. Then as I continue to pay after a year and I receive the annual income verification, I find out a year later they never processed my original with my application and my last years worth of payments didnt count. So I fill it out and they finally process it and change my account. Then I continue to pay and check in again to make sure and then they ask for my employment again and they havent counted any of my other payments. I process that paperwork ( meanwhile all these processes and changes take months and you forget about them ... ) and they dont seem to backtrack. Ive gone through so many hoops since 2014 to get this right and after four years with this company they have only counted TEN of my 120 payments. There were months where I was overpaying and no one notified me. I was on the phone with a lady and she said I had 40 qualified payments yet my account only shows 10. They are horrible and dont know what they are doing and cant process or manage accounts. There were months I would pay and the balance wouldnt even go down at all. XXXX is the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
Hello, I got an email about 2 years ago from XXXX XXXX that my student loan was defaulting to my surprise. I reached out to them immediately. When I called at them they told me my account had been suspended and turned over to the default resolution group and to wait for them to contact me. I checked my credit report cause I thought I had just recently had re set up payments, and it even was reported I made the 6 previous payments before this issue. I called back and explained the situation and even offered to pay  whatever outstanding there was. They told me there was a note attached to my file saying I couldnt make payments and to wait for the default resolution people to contact me ; so I waited. They never contacted me and my loan continued to collect interest and damage my credit score. Finally I reached out to them a year and half later. The first thing I offered to do was pay them XXXX $ because thats what they said the outstanding balance was and they still told me I couldnt. They had me fill out debt consolidation forms to get my out of default only to find out from the next agent I spoke too a week later that this special type of loan would never qualify for that process. After talking to several people and asking for supervisor after supervisor I finally spoke to someone who told me that my loan cant go through default resolution because its system isnt set up for this type of loan and basically Ive been waiting under their guidance for something thatd never while they collect interest on my account. Im just trying to get this resolved so I can repair my credit score and settle this last loan. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlantic Credit & Finance, Inc.
State: GA

Complaint narrative:
i have advised this company to stop contacting after answering a blocked number from them on XX/XX/XXXX.  they reached out to me again on the next day. i then advised the company I do not owe any debt to them because i never heard of them. They then said they will sue me for the debt, I advised them to validate the debt. i have not heard anything from them in the mail as of yet and I'm still receiving harassing calls.

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 2018-01-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Ocwen as a servicer for XXXX XXXX XXXX XXXX XXXX is illegally and fraudulently foreclosing on my property using a XXXX assignment as nominee and assignee for XXXX dated 5 months after XXXX failed and the XXXX member relationship as well as nominee status ended. I have all documents from public records that proof my claims and a very detailed report written by me with attached documents. I am also aware and have it from the federal courts where OCWEN and XXXX were doing the exact same thing using the same ammo to another home owner. The federal court proceeded to rule the documents presented by Ocwen and XXXX void ruling in favor of the home owner See XXXX XXXX  XXXX XXXX XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX - Dist. Court, XXXX  Texas 2015 - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: OK

Complaint narrative:
Im self employed and I got a large personal loan through XXXX XXXX in XXXX ok. I put my wifes phone number as the office number to my shop because she deals with the office. Well the manager and asst manager in the office, XXXX and XXXX, have both called my wife on multiple occasions and instead of asking my wife to get me a message to give them a call back. They released all my personal information. My wife is not on this loan, she knew about it yes, but I did not give the office permission to discuss the account with my wife other than leaving messages with her to give to me. My wife had called up to the office to make a payment on the loan and the branch manager XXXX told her that she needed to pay more or they would be filing legal on her. She reminded the office she is not on the loan and is not suppose to be discussing details of the account with them because she is not responsible for the loan, and they have called back multiple times. Sent collateral secured letter to my home saying that we had a vehicle secured by this loan, which there is not a vehicle secured loan at all. Ive tried calling XXXX XXXX XXXX   office on multiple occasions and have not received any call back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Loan Inquired about recasting on XX/XX/XXXX Did not hear from company untilXX/XX/XXXXby mail, despite being told someone would call me withing 24 hours. 

Submitted large principal payment onXX/XX/XXXX to signal recast. Was assured paperwork to recast loan would then automatically arrive by XXXX  later the following week (XX/XX/XXXX latest ). Package did not arrive ( and was not sent by XXXX ) until XX/XX/XXXX. 

Recast document contained two legal errors which amounted to entrapment whereby I was forced to acknowledge that interest rate might change could change and payment could change, despite the loan interest rate being fixed and payment being fixed with no escrow. Requested that they change the language. Wells refused and obfuscated. Spoke to independent attorney and was advised that Wells was in error and document should be fixed. Wells essentially said " take it or leave it ''. 

High unethical. Predatory. Incompetent. Bureaucratic. Worst customer experience of all time. If you can avoid Wells Fargo, avoid them.

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 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sterling Infosystems Inc.
State: NJ

Complaint narrative:
Around XXXX EST I received a copy of my background check copy as requested. 

There were several discrepancies so I called the company. 

1. They didn't verify my employment as confirmed when speaking to them via phone however they listed that I provided false information on the report and did not state that they did not verify with my previous employer. The dispute here was in regards to when I worked for an employer. I had someone from their agency prior only ask for verification of a XXXX for the year 2017, not for what the final background report said. I also had supplied them with the employers number. They stated they did not call them. I asked them to correct the statement made to reflect they did not verify my employment with the employer and it was jot because I provided inaccurate information. 

2. I noticed there was a name listed as an alias associated with me. Not a variation of my name but a completely different person. I asked for this to be removed and disputed for accuracy and was denied the request and told I would have to pay them to have it removed. 

3. The job title for on3 company was listed as employer verified and that I misrepresented my job title. I asked how they verified and they provided the name of an individual that does not work for my employer let alone in their hr. Which means they are verifying infirmation without verifying they are speaking to the employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I am having a serious issue with Freedom Mortgage. I paid my mortgage payment for XX/XX/2018 online and was informed after the fact that the bank would send them a paper check. As of today they still say they have not received it and my bank says they sent it and it is not their fault that it got lost somewhere because it hasn't been cashed.I contacted the CEO of Freedom Mortgage who is in another state and he sent me an email saying I needed to resolve it with my state. I kept getting stonewalled by Freedom Mortgage and was fed up dealing with rude CSRs who informed me the manager was dealing with other things and could not talk to me so out of frustration I emailed XXXX XXXX who was the one that strongly recommended that I use them for my mortgage. I explained to him that I won't be able to resend the payment until XX/XX/XXXX when I get my retirement check at which point I will pay XXXX and XXXX. because I used online bill pay for my car payment and they credited to someone else 's account so I had to make a double payment while they investigated it. Anyway my bank says I have to pay the {$30.00} stop payment fee which I disagree with since there is proof I submitted the payment on time. Now Freedom Mortgage is charging me a late fee plus it will go on my credit report as my payment being late. This is TOTALLY UNFAIR to me because I sent proof that I did submit my payment on time but it was my bank or someone at Freedom Mortgage who messed up yet I am the one getting shafted. I also wrote the CEO for XXXX XXXX XXXX and still have not heard back. At this point my advice is for people to stay away from Freedom Mortgage because this is a prime example of how customers will be treated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I have mailed Certified and Certificate of delivery letters to Blakely Witt Requesting Debt Validation but the company never responded. I have also file a complaint with the Better Business Bureau. The Company keep Verifying a Balance on my CR but never sending documentation to myself to support their claim. In this case the debt should be removed because according to Texas State Laws and the Fair Debt Collection Practices Act the debt has reached the SOL from original delinquency date Dating back to XX/XX/XXXXfrom Original Creditor. Also, Blakely-Witt & Assoc. do not have the right to collect in the State of Texas. According to the State of Texas no debt collector can collect unless they are registered by the state. I have also requested Validation that I am liable for the debt and I requested Blakely-Witt provide an agreement with the Creditor that authorizes the company to collect on said debt. This has been an ongoing process and Im terribly exhausted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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 — Was not notified of investigation status or results
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the case and stating my reasons had nothing to do with them the account was VALIDATED well i asked to be sent proof and that was not done I NEED THE ACCOUNT TO BE VALIDATED, Proof of My WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX acct. XXXX XXXX RMSCC # XXXX $ XXXX ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I tired to apply for a loan which required me to log in into my account to receive the money but I was blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX " sold '' my mortgage to Specialized Loan Servicing, LLC XXXX ), last fall. A couple of weeks ago XXXX  sent me a statement detailing my escrow account. I'm attaching same for your convenience. The statement shows my projected escrow account will total {$2100.00} and the projected disbursements from my account will total {$2100.00} for a difference of XXXX cents. 

On the statement it says " Cushion selected by servicer : {$350.00}. '' Do they have a legal right to hold an additional {$350.00} above what is needed to pay the annual taxes and insurance? In my view it would allow them to earn interest on my money for the life of the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I was suddenly starting to see {$10.00} charges as of XX/XX//2017 without any notice from Wells Fargo credit cards when I purchase from XXXX. I don't have a problem being charged fees but I do have a problem when I am not notified and can not change my consumer behavior. I would not have made a {$18.00} purchase if I knew it would generate a {$10.00} fee.

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 2018-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have wired XXXX on XX/XX/2017 to Coinbase. Still have not see money deposite to my Coinbase account. I have email to them many times. Feel those reply is by computer. Not real person. Msg to Coinbase employees XXXX on rebbit, no reply. I create case # XXXX I have they will solve this problem ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have complained 4 times regarding Bank of America, since my complaints I have resolved my payment problem, however they did not resolve it but I did. I applied for the Home Saver Program with the State of NJ and pursued that option until I finally got the money to bring my mortgage up to date. I am now trying to do a modiffication since my account is current but the bank will not give you that unless you are delinquent. This is a no win situation you are damd if you do and damd if you dont. I will never recommend BOA to anyone that is looking for a mortgage, they do not care about their clients. I want this agency to change their practices and help people instead of degrading them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hewitt-Capital
State: MS

Complaint narrative:
Someone name XXXX from XXXX XXXX XXXX called my parents home listing my name and last 4 digits of my SSN taking they attempted to serve some papers to my home and if I didnt contact them in the next 24 hours they would contact me on my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a settlement sheet showing this house was paid off on XX/XX/2017 however this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/2017. Reporting shouldve ended on this line of credit for XX/XX/2017 with me only being 30 days late at the time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a settlement sheet showing this house was paid off on XX/XX/2017 however this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/2017. Reporting shouldve ended on this line of credit for XX/XX/2017 with me only being 30 days late at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: MD

Complaint narrative:
I have a settlement sheet showing this house was paid off onXX/XX/XXXXhowever this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/XXXX Reporting shouldve ended on this line of credit for XX/XX/XXXXwith me only being 30 days late at the time.

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