vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I always mail my monthly payment ten days early. My XXXX {$680.00} payment was due XX/XX/XXXX, so I mailed it on XX/XX/XXXX. It always takes about ten days for them to post the payment, and they always send me an email that they have received it. This time I got no email. On XX/XX/XXXX, I checked with my bank and the check had not cleared. I called Loancare. It took 45 minutes to speak to someone. They told me that my XXXX payment was lost. I told them that I would put a stop payment on the check and reissue the payment through electronic funds transfer, which I immediately did. I then emailed Loancare what I had done and asked that they not cash the check and that I had put a stop payment on it. They cashed the check on the very same day that they said it was not there and then when my bank rejected it because of the stop payment, they sent it through again. 

Loancare is now charging me a fee of {$80.00}, two {$40.00} charges for a check rejected for " insufficient funds. '' I have contacted them by 'phone, email and letter. The only response that I have received is from my letter, notifying me that they are looking into the problem.

My mortgage was sold to this organization about a year ago, and from day one it has been one unsolvable problem after another. They are very difficult to contact, and they are simply unresponsive if you are lucky enough to communicate with 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 2018-03-15 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
While in the process of refinancing my mortgage with Bank of America, I cancelled my automated bill pay effective XX/XX/XXXX. My refinance was scheduled to close/fund XX/XX/XXXX however it did not close until Friday, XX/XX/XXXX and did not fund until the following Monday, XX/XX/XXXX. 

After everything concluded I received a late payment notice advising me my payment was over 30 days late. I contacted a Bank of America customer service representative and arranged to pay the missed payment via the bill pay system. At that time the representative suggested I follow up with checking my credit, but due to the circumstances she summized Bank of America would not report the late payment. 

I made that payment ( {$1000.00} ) and it posted to my Bank of America checking account on XX/XX/XXXX, making it technically 34 days late. However, the payment was credited back to my account on XX/XX/XXXX, because my refinance had already funded and the mortgage had been paid in full and closed. 

Upon researching this, I also discovered my refinance closing statement shows the funds were issued to Bank of America on XX/XX/XXXX. However, upon speaking with multiple customer service representatives, Bank of America did not apply the funds and close my account until XX/XX/XXXX and no one could give me a clear answer why it took them an entire month. 

I would also like to say, at the time I had four mortgages with Bank of America. Each account had been open for about 10 years and I had never made one late payment. In addition, my mortgage was paid directly from my Bank of America checking account, which clearly had more than enough funds to cover the amount due. Finally, a final payoff notice had already been sent and received from Bank of America for his loan, so they were well aware it was in the process of being paid off. 

I was made aware on XX/XX/XXXX that Bank of America reported my mortgage payment was over 30 days late, effectively eliminating my chance to obtain a new mortgage and purchase a new home. I immediately contacted the Bank of America customer service and was advised they would send a request to their credit reporting department. 

I called today to follow up and was hung up on twice by two different customer service representatives. The second time, after asking to speak with her manager.

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 2018-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was issued a Discover Card with a credit limit of {$8000.00}. I tried to make a purchase for my daughter 's XXXX birthday through XXXX XXXX to find that my card was declined. I immediately called the company who then told me they lowered my limit due to recent inquiries on my account. First of all I did not give them the right to monitor my account monthly. Secondly I am a homeowner shopping around for refinance loans in order to make upgrades to my home. These inquiries should serve no bearing on my credit limit as it's in no way relevant. Thirdly I have made all of my payments to Discover Card on time. I believe I have been discriminated against for a numerous amount of reasons inclusive of my race. To add insult to injury, my score has and will drop based on this decrease as now it papers I've maxed my card out which may result on failure f me obtaining the loan I've been working on which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Immediate Credit Recovery
State: IN

Complaint narrative:
XXXX XXXX called into my place of employment. I asked for the name of the company. female hesitated and went on with call as though she did not hear me. I asked again she finally reveled where she was calling from. I then told her that I am not to receive calls at my job. I asked that my number be removed. she laughed and said no. However she didnt know that the whole call was being recorded

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
On XX/XX/2018 I received an email regarding my account being unavailable due to a high volume of use within the company, I had been declined for a charge earlier that day note some of the documents are unavailable to me because I am blocked from my account. I had tried to call for 4 days with no luck there phone lines where busy the whole time and I was not getting through, on the 4th day which was XX/XX/2018 I got through to dispute a charge from an atm I had attempted to draw money out of but was declined and charged anyway. The customer service rep told me there where three charges total and being blocked from the account I didn't know any better so I let her dispute them, 3 days after that on XX/XX/2018 I tried to use my card for an {$8.00} purchase and was declined, after calling customer service they informed me that I was permenately shut out of this accounts which I also got an email for at XXXX and that any and all matter should be sent via mail to the consumer relations dept. so I wrote a letter and sent it that day. For the next 8 days I called everyday and wrote 2 more letters asking for my refund check to be issued. Under the circumstances I had {$240.00} left in my main account and {$4000.00} in a set aside account. The {$240.00} was issued and sent I received it today XX/XX/2018 but due to the remaining funds being in a set aside account they had to unlock it at this time it is XX/XX/2018 I called because they had taken a direct deposit on this permentley closed account from the Kentucky revenue dept. for {$720.00} now they have {$4700.00} plus I still had not received the {$240.00} yet so I called and they said that no refund checks had been issued but my account could be reopened and a new card issued so I paid bluebird {$20.00} out of that account to overnight me a new card I have emails for the XXXX tracking and the email that confirms my purchase on Saturday XX/XX/2018. On Tuesday XX/XX/2018 I received the new card I had been trying for 2 day to change the funding source so that I could transfer the money to another account with XXXXXXXX XXXX which was confirmed yesterday XX/XX/2018 I woke up this morning with another email saying my account was premenatly closed. This had been going on for close to a month I cant pay an attorney to fix it cause I live on a fixed income this could severely hurt my financial situation. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: DE

Complaint narrative:
Amerihome Mortgage Company has lost three of my payments on dates XX/XX/18, XX/XX/18 and XX/XX/18. 

They told me I haven't paid since XXXX, but what actually happened was they changed my account number without notifying me. They said they were forwarding payments previously to the correct account, but starting in XXXX they no longer did that. I was never notified until I received certified mail saying I was in the process of foreclosure on XX/XX/XXXX. 

I sent them proof of payments well before this on XX/XX/18 from XXXXXXXX XXXX and all of my checks have cleared. I have received no refunds or help from the company. They have all been completely rude and uninformed. I was transferred a dozen times every time I have called. No one shares any notes that I was told to submit, however one customer service rep said she received it..then I got another foreclosure notice. This has been embarrassing and caused much anxiety for my family. Amerihome has made no effort to find the money they took from me or fix the problem. If they wish to foreclose, I have all of my records and have sought legal advice. I can't afford to make additional payments since they've lost mine already and will likely apply my next payment to erroneous late fees and other charges they created even after taking my money. attached are some documents from bank. They have repeatedly hung up on me and made no effort to return calls or emails. Admittedly, by the 15th attempt I was rude. They also dropped my credit score from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Control Bureau
State: LA

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX in XXXX XXXX, Louisiana, on XX/XX/2018 by phone to validate debts. I spoke with XXXX in the billing department and she did not have any legitimate proof that I have a debt with them. She called Account Control Bureau which is their third party collection agency and told them to remove any debts that I have associated with them because my insurance with XXXX XXXX XXXX XXXX that I've been covered with the last 5years, has covered all medical expenses.

My complaint is with Account Control Bureau collection agency who has 5 medical bills that are being reported incorrectly with XXXX and XXXX for the last 2-4 years. On the other hand XXXX have delete all 5 medical bills due to inaccurate reporting and not being able to prove the debt was mine verified and validated. 
I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission to release any of my medical information to this third party collection agency ( Account Control Bureau ).

Account Control Bureau is reporting 5 different amounts with the same account from different creditors. 
Account number:XXXX 1. $ XXXX XXXX XXXX XXXX, XXXX 2.  $ XXXX XXXX XXXX XXXX 3. $ XXXX XXXX XXXX XXXX, XXXX 4. $ XXXX XXXX XXXX XXXX 5. $ XXXX XXXX XXXX XXXX All creditors and account control bureau have not being able to provide legitimate proof ( verify and validate that the debts is mine ) therefore since these have been reporting incorrectly, i'm requesting immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have a credit card with Capitol One. I do not use the card. The card has an annual fee. The fee came due but I did not know because I do not use the card. Capitol One reported me 60 days to the three credit repositories, ruining my credit. I called them immediately upon discovery. I immediately on the telephone paid the annual fee. They immediately waived the late fees. I requested that they reverse all negative reporting of the event to the bureaus. They agreed to do so. I spoke with XXXX, employee # XXXX on XX/XX/2018. She agreed to eliminate the negative reporting using a rapid resubmittal in 2 days and send me a letter. It is now XX/XX/2018and they have failed to update my account with the bureaus. I called them today,XX/XX/XXXX After 45 minutes I spoke with supervisor XXXX in XXXX Florida, XXXX. He stated that XXXX had submitted a " dispute '' to the bureaus but it takes 60-90 days for this to be processed. I told him this can not be true, that the creditor can not retract information more swiftly. I asked for his supervisor but he refused to allow me to speak to his supervisor.

Key points : Capitol One should not be able to charge a late fee for an annual renewal fee. If the consumer does not pay the annual fee the bank should close the account. Unless I borrow money from the bank and fail to pay it back according the agreement, there should be no reporting of negative information. Doing so is a consumer scam. 2. ) If Capitol One reports negative information to the credit bureaus they should retract swiftly and the process should not take 60-90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Immediate Credit Recovery
State: WY

Complaint narrative:
I was incarcerated and unable to pay my student loan and it went into default.I am trying to contact the collection agency that holds the loan.The company is XXXX XXXX XXXX XXXX. I have made numerous attempts to call them. I have sent email. They do not reply to my messages. I am working with XXXX  at XXXX XXXX and my adviser has also tried to contact them. I contacted Federal Student Aid and they can only give me a phone number that sends me to voicemail where I leave a message. Again, no one will call back. 
I started trying to contact them in XX/XX/XXXX and have made numerous calls each week ; too many to count. I need to resolve this and get my student loans out of default. I want to go back to school and this is keeping me from moving forward with my education. I appreciate any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
My XXXX XXXX debt went to court, was sent to Arbitration XX/XX/XXXX in the amount of {$7300.00}. I received no communication that it was out of arbitration, nor did I receive any communication or notification such as a phone call, letter or summons that it had gone back to court for judgement. I received a letter from my employer payroll dept. for 15 % wage garnishment of my gross pay in biweekly payments, and a certificate of judgement balance from the Circuit Court of XXXX County, IL on XX/XX/XXXX in the amount owed of {$9700.00} plus accruing interest, handled by Blitt and Gaines , P.C . in XXXX, IL. And yes, they have my current address. The debt has been paid ( totaling more than {$10000.00} ) in 22 payments, with the final wage garnishment of 15 % taken out on XX/XX/XXXX. While I find it offensive and wrong that I was never given any communication, my complaint is the final payment owed was only {$290.00}. The took 15 % out which was {$460.00}. I have made more than half a dozen calls requesting they return the difference of {$160.00}. This has been since XX/XX/XXXX. I encounter nothing but rudeness and each time they either state, " the check has been mailed, '' or " there's nothing we can do about the postal system ''. They are in XXXX and I live 3 hours south in XXXX, and the postal system has been slow? It's now XX/XX/XXXX, and I'm tired of calling them. I have faithfully paid this debt off every 2 weeks. I want them to return the extra money they took from my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Financial Services, LLC
State: CA

Complaint narrative:
I HAVE RECEIVED A GARNISHMENT AGAINST MY WAGES THAT DOES NOT BELONG TO ME. I HAVE ATTEMPTED TO OBTAIN A RELEASE FROM THE GARNISHMENT, BUT, THE COMPANY NAMED ON THE GARNISHMENT ( ACTION FINANCIAL SERVICES LLC ), WHEN CALLED, REFERRED ME TO ANOTHER COMPANY, XXXX XXXX LOCATED AT XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I HAVE BEEN UNABLE TO RESOLVE THE MATTER ON MY OWN, THEREFORE, PERHAPS I MAY OBTAIN ASSISTANCE FROM YOUR AGENCY. A COPY OF THE GARNISHMENT IS ATTACHED. 

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 2018-03-15 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: TN

Complaint narrative:
I had gotten a postcard in the mail on XX/XX/XXXX about being served and had to go to justice center to see why. So I went there XX/XX/XXXX and got a summons to court for a medical bill. So I called the debt collector number ( Wakefield and Associates , Inc. ) on the civil warrant and asked what this was from because I have never been informed of this debt. They said it was from a medical bill from the end of XXXX into XXXX. So that happened when I was still under my mothers insurance and I thought she had taking care of it but I guess not. So I asked the debt collecter why they haven't contacted me about this debt so I could resolve it and they said they had try to mail me and kept getting it returned to them until this year XX/XX/XXXX they said they mailed me to the correct address and said I got it which I never did. They said they had the wrong address all this time and now two months later I get a summons to court and this is the first I have heard about this debt. This debt has never been on my credit report and this was from XXXX but I have another debt with them from a different medical office that is on my credit report that happen in XXXX. They have mailed me about this debt since XXXX and have had my address and I have notices from them about this other debt. So how can they mail me and put on my credit report about this other debt when the debt I'm getting summons for court is not on my credit report nor was mailed to me before they summons me. They said they had the wrong address the whole time until XX/XX/XXXX but that's incorrect because I have mail from the other debt since XXXX so that's a lie. They have had my address for years and getting mail from them for years but never this debt that I got summons for. Now they are trying to charge me {$170.00} extra for summons fee and court fees on top of the debt when I haven't even been to court yet and it shouldn't have gotten summons if they would have just notified me before of this debt. But for them to say they didn't have my address is a lie because I have mail to prove it

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 2018-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive tried on several occasions to close my Wells Fargo checking account but was unsuccessful. The company continued to charge me NSF charges. I tried to work with the bank to clear up theses fees and the refused to offer solutions. Instead the overdraft fees continued to rise until the bank closed the account and sold account to collections. I was told on several occasions I would need to speak with executive offices at the bank for assistance. They even tried on several occasions to transfer me to the department for resolution. Instead I was told they were too busy and would get a follow up call. I was told onXX/XX/XXXX someone would reach out to me. I have yet to hear anything being almost 7 days. Except for the account to be sold to a third party collections.

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