vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My house was damaged by Hurricane harvey. The insurance company came out and assessed damage and then issued a check to me and my mortgage company Ditech. As my house was being repaired, I sent Ditech XXXX forms, invoices, before pictures of the damage, and pictures of the fixed condition. After doing much battle with Ditech since they are very slow to release funds and not paying me interest on my money they are sitting on ( approximately {$55000.00} ), we are now at a complete standstill. Ditech, still holding on to about {$25000.00} of my insurance proceeds stated that regardless of all the pictures and documents I have sent them showing repair on the house, they need to have an inspector come out to ensure the work is being done. This conversation, initiated by me, was made on XX/XX/XXXX ; I was told that an inspector would call within two days to make the appointment. Nothing. I have called Ditech several times hoping to expedite the process and still, here on XX/XX/XXXX, I have yet to receive a call from an inspector to schedule an inspection of the home. Ditech states that this is their process, that funds can not be released without an inspection, even though the promised time wait of two days, has come and gone. Ditech stated they are behind because of all the hurricanes that have occurred ... but my point is that mine happened all the way back in XXXX of XXXX. I have already paid for all the work done on my house, out of my pocket, however I can not continue to repair the house, because Ditech is not releasing the funds that are sitting in their account, interest-free, that is to be used to repair my house. I have suggested to Ditech that if they don't have the manpower to keep up with their timelines, they need to then either hire more staff or release the funds they are sitting on. They refuse to budge and state that this process if mandated ... I don't know by whom. This has gone on long enough.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In an attempt to secure 24 months of payment history as I did not reaffirm the mortgage loan after a chapter XXXX bankruptcy that was discharged nearly four years ago, Wells Fargo did not notify me that I needed to request payment history in writing. I had to call back after 8 days to request again losing more time in the process.

Also, Wells Fargo has sold my loan to a servicing company ( another reason for requesting a history of loan payments ) and I was not give a 30-day notice. I received my letter today XX/XX/2018. The letter reads that my first payment to the servicing company will be on XX/XX/2018 -- a 15-day notice.

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 2018-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
In attempt to obtain information about a collection on my credit report on XXXX XXXX, 2018, the collection agency was very rude and failed to provide me with any information on the account. All of their information in the system was incorrect and they failed to provide me with information on the original debtor. Augusta Collection Agency in XXXX, GA is the name of the agency. The supervisor made rude and obnoxious comments about not wanting to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Dear Consumer Financial Protection n Bureau, On XX/XX/2018 I request a financial assistance for my existing auto loan with Fifth Third Bank, auto Loan # XXXX. This lengthy and biased process requested me to submit many times the same application and multiple personal account information, mainly with the intention of create de-motivation from my side and stop requesting this assistance I really need. I am trying to pay my debts, this is why I submitted this financial assistance request, but big was surprise when on XX/XX/XXXX I received a letter letting me know that my request was denied because I have a high debt in relation to my income. The main reason for the request was to reduce my monthly car payments because I do not have enough money to pay, and although I have debts I still want to pay my auto loan. Please help me in find a solution to my current issue by asking the bank to provide me assistance. 
On XX/XX/2018 I called Fifth Third Bank trying and talked to XXXX from Auto loss mitigation counselor trying to get information about the letter I received, but I was entitled unfairly, and mistreated because all I wanted was to get information on the letter I previously received. I am a XXXX customer who also deserves to be treated with respect, I have never missed a payment before in this loan, and all I asked was payment assistance, and help to pay this debt sooner. I have also sent emails trying to get in touch with Fifth Third banks senior vice President XXXX XXXX, but never got a response. Here is one of the emails I sent to him : to : XXXX Fifth Third Bank, This e-mail is in regards to my previous e-mail asking to have contact information with one of the bank representatives, but got no response from the bank. I would like to get in touch with Fifth Third banks senior vice President XXXX XXXX. Please let me know his e-mails or phone number because I need to get in touch with him. Looking forward to hear from you, Thanks XXXX XXXX XXXX : Auto Loan # XXXX I am also attaching the letter they sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We paid our Bank of America mortgage in full in XX/XX/2018, and sold the house as-is the same month. All liens were cleared, and the closing was successful. The house had been flooded in the Hurricane Harvey flood, but due to the insurance settlement being less than the estimated cost to repair the house, we decided to sell the house as-is. 
Since then, Bank of America has sent letters to me demanding that we set up an inspection on this house to be sure repairs have been made. I phoned Bank of America two days ago and explained that we paid the loan in full ( the Bank of America representative acknowledged this ), that we no longer own the house, and that we did not make a claim on this house with Bank of America prior to selling the house. 
The Bank of America representative became robotic ( i.e. acting as if I had not said anything ). Thinking this may be a computer, I began to repeat myself. After the phone call, I went on the Bank of America website and filed a complaint explaining the problem. 
Today I received a phone call from a different Bank of America representative. I explained how Bank of America is harassing me on this matter, and repeated we paid the loan in full, that we no longer own the house, and that we did not make a claim on this house with Bank of America prior to selling the house. She demanded more personal information from me. I explained that this is an internal matter for Bank of America to resolve, and I will not provide any other information over the phone. Like  the other representative, she began to repeat herself much like a computer would do. I requested a letter in lieu of a phone call, but she would not agree to this over the phone. 
I need Bank of America to cease harassing me given they acknowledge the loan is paid in full, Bank of America has no lien on the home, we no longer own this property, and we did not file a claim on the property with Bank of America. It is illegal for use to schedule an inspection on a property we do not own, but Bank of America does not acknowledge 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 explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2017, 30 days late as of XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: CA

Complaint narrative:
I had a checking and savings with US Bank. They sent the accounts which were offering a settlement. The accounts were sent back to the bank. When I tried to call and settle they refused the honor the settlements amounts because that was a third party and said I had to pay in full and did not offer me a type of settlement. One rep said that had to be done locally. I contacted the branch manager and CEO of the company and have not received any response back.

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 2018-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2018 I I tried to deposit {$1000.00} into my Wells Fargo checking account. I used a remote ATM. I counted the money three times before I attempted to deposit the cash. I'm 100 % positive of the amount I put in the machine. The machine scanned the money and said, " deposit {$780.00}, correct ''?. I didn't see any option for incorrect money so I hit cancel. 

When my cash came back half of it was folded, crinkled, and had to be pulled from the despensor. It also only gave me back the {$780.00} that it said I put in. Again, I'm 100 % sure of the {$1000.00} I put in the machine. I was shorted {$220.00}. 

I immediately called the bank to see what to do. The person on the phone instructed me to tell him what happened and he would file it as a " claim ''. He told me this type of thing happened and they would take care of it. He said they would send someone out and it would probably be taken care of the next day, up to 10 days. 

I called the back a couple of days later after not hearing anything back. She told me the claim was still " open '' and that I would recieve a letter within 10 days. 

The letter I recieved said I would recieve " XXXX '' dollars back because the machine scanned the {$780.00} dollars. 

I called and spoken to several representatives at Wells Fargo for several hours ( most of this time on hold ). They transfered me back and forth between a representative and " the exective office ''. Neither department could tell me anything other than they had no overage on the ATM machine count. They said their reports showed no " jams ''. The money I recieved from the ATM machine was clearly jammed. 

I've asked what methods they use to investigate this and nobody could tell me anything other than the case was closed and there was no overage. 

I'm extremely frustrated and feel that I have no safeguard with my money against the bank. I was shorted {$220.00} from Wells Fargo and feel helpless.

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 2018-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One removed XXXX from my bank account without authorization. I revoked their authorization and I want them to refund my money and I want them fined for doing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION
State: WI

Complaint narrative:
Elderly Father XXXX passes away XX/XX/2018, leaves behind XXXX year old widow in XXXX County Wisconsin. Leaves XXXX daughters and XXXX son, has a revocable will by attorney 's office. 
The will is general in that the widow should receive everything. The day father dies the son flies in from Arizona and goes to the safe deposit box and withdraws {$140000.00} .00 cash - wife of son works for BBVA Compass in XXXX, AZ helping to transfer funds into various accounts. Son then comes into town to force XXXX year old widow mother to sign truck title - he sells to attorney and never brings widow money from the sale. Son forces mother to sign over check of {$12000.00} to be deposited into a different bank for his personal use. Son loses his license in Wisconsin and in Arizona for financial advising and real estate. He also loses his job at XXXX XXXX XXXX XXXX XXXX in AZ. To our knowledge he is also pocketing fees for transactions regardless of having a license to do so. It is our belief that the son and his wife ( girlfriend ) are transferring moneys to many accounts as they have taken it from the mother and have access and knowledge of the banking and financial world. There is also a retirement account in excess of {$60000.00} dollars that we fear they will access without the widow 's knowledge and consent. We believe this violates this elderly widow 's rights and is elderly financial abuse. We also believe he will change locks on condo residence and he is bragging he is selling it. He has also tapped into the XXXX retirement account of the deceased father. This is all so overwhelming for this elderly XXXX year old widow/mother. XXXX XXXX ( Wisconsin ) credit  card owned by deceased father and live widow mother was used after death by the son from AZ for personal use and his family. He also changed address of credit card to his in AZ.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I kept getting written notice from Wakefield & Associates, so I finally asked for validating for this debt they claim I owe. They sent me an itemized summary but no signed contract or hippa release. Which doesn't verify this is mines. They also told me in a letter that they will no longer investigate or investigate again after I sent a second letter asking how they got this information. Also XXXX and XXXX and XXXX keep saying it is verified although it proves not to be, I have also sent them the same attachments as included 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 2018-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: CT

Complaint narrative:
I requested a loan modification or refinance from Selene Finance. They sent me a list of documents I needed to submit, which I did. Then they requested completely different documentation and " deemed my application incomplete '' and denied it. This has happened at least five times. They refused to process my application for HAMP and HARP. They did not fully disclose the terms of " blind offer '' during mediation. They are in violation of TILA and now the company has been sold I do not know who I need to contact to resolve the mortgage. The company is the worst to deal with. Always a different person when I call. Always an argument. Never able to speak to a Sr. Supervisor. Corporate policy never disclosed and legal grounds supporting company policy never revealed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have maintained a credit score in the 800+ for the past 20 years. 

On Monday XX/XX/XXXX, I applied for a home equity line of credit and was advised by the bank that my credit report showed a charge-off and collection status for an XXXX XXXX account in my name. This information was reported to the credit reporting agencies by XXXX XXXX ( XXXX ) in or around XX/XX/XXXX. Therefore, my application would not go forward. 

Between Monday XX/XX/XXXX to today ( Thursday XX/XX/XXXX ), I have made over 100 telephone calls and sent several e-mails ( copies attached ) to XXXX. XXXX has not issued the letter they promised to send me stating that the report they made to the credit bureaus was an error and would be deleted from my account. E-mails and telephone calls to the chairman 's office and executive office have been ignored. XXXX refuses to provide any information whatsoever regarding the application information associated with this account they provided to the credit reporting agencies. I also filed disputes with the credit reporting agencies but the incorrect information reported by XXXX report WILL NOT BE REMOVED until XXXX initiates removal. I HAVE NEVER APPLIED OR CARRIED AN XXXX CARD. I HAVE NEVER LIVED IN TEXAS. 

3. I have lived at two ( 2 ) addresses for the past 30 years in homes jointly owned by my wife and I. I never lived in Texas, but XXXX XXXX reported a Texas address associated with the derogatory account information XXXX reported to the credit bureaus. I never receive a call or any mail regarding this account from XXXX or any collection agency. I have been married ONCE and will celebrate 30 years next month. ALL CREDIT APPLIED FOR IN THE LAST 30 YEARS HAVE BEEN DONE JOINTLY WITH MY WIFE. 

4. I am now withdrawing the needed funds from my 401k and will have 20 % withheld as well as other penalties. 

5. I am over XXXX years old.

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 2018-11-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have maintained a credit score in the 800+ for the past 20 years. 

On Monday XX/XX/XXXX, I applied for a home equity line of credit and was advised by the bank that my credit report showed a charge-off and collection status for an XXXX XXXX account in my name. This information was reported to the credit reporting agencies by XXXX XXXX ( XXXX ) in or around XX/XX/XXXX. Therefore, my application would not go forward. 

Between Monday XX/XX/XXXX to today ( Thursday XX/XX/XXXX XXXX, I have made over 100 telephone calls and sent several e-mails ( copies attached XXXX to XXXX. XXXX has not issued the letter they promised to send me stating that the report they made to the credit bureaus was an error and would be deleted from my account. E-mails and telephone calls to the chairman 's office and executive office have been ignored. XXXX refuses to provide any information whatsoever regarding the application information associated with this account they provided to the credit reporting agencies. I also filed disputes with the credit reporting agencies but the incorrect information reported by XXXX report WILL NOT BE REMOVED until XXXX initiates removal. I HAVE NEVER APPLIED OR CARRIED AN XXXX CARD. I HAVE NEVER LIVED IN TEXAS. 

3. I have lived at two ( 2 ) addresses for the past 30 years in homes jointly owned by my wife and I. I never lived in Texas, but XXXX XXXX reported a Texas address associated with the derogatory account information XXXX reported to the credit bureaus. I never receive a call or any mail regarding this account from XXXX or any collection agency. I have been married ONCE and will celebrate 30 years next month. ALL CREDIT APPLIED FOR IN THE LAST 30 YEARS HAVE BEEN DONE JOINTLY WITH MY WIFE. 

4. I am now withdrawing the needed funds from my 401k and will have 20 % withheld as well as other penalties. 

5. I am over XXXX years old.

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