vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
We had fraudulent activity on our account. I contacted Bank of America and they would not credit the charge back or do any investigation. The did provide the sales receipt & the charge was made at XXXX in XXXX TN. The receipt had the phone # of the store & I spoke with the manager. She agreed that it appeared to be fraud by an employee and the amount was credited back. I then contacted Bank of America on XX/XX/XXXX @ XXXX we spoke with XXXX and closed the account. We got a notice on XX/XX/XXXX on regarding changing the terms of our credit, the 4 page notification did not contain a phone # you could and why would you receive a notice on an account that should not exist. Luckily I kept the records and was able to go back and retrieve my account # and a phone #. When I called I was on hold for 16 minutes and they asked for the 4 digit security # on the back of my card. I explained, when you close an account you cut the card up. They then said they had to speak with the primary card holder, Iadvised my husband was out of the country ; they said they could not do anything unless they spoke with him. I told them he spoke with them before on XX/XX/XXXXand they did not honor our request. He will call  AGAIN when he gets back to USA. In the meantime I have lost about {$200.00} in wages by tracking the  dispute and trying to get the account closed.

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 2017-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: SC

Complaint narrative:
Home was placed under contract and closing date set for XX/XX/17. Attorney 's office started contacting Bayview on XX/XX/17 to request payoff statement. Multiple requests were made by both attorney 's office and mortgage holder via fax and phone for payoff statement. One payoff was sent but it was dated in XX/XX/XXXX, so it was unusable. As of XX/XX/17 payoff has still not been received, closing is on hold indefinitely and two families lives are on hold, all due to Bayview 's unwillingness and inability to provide a simple document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I purchased a primary home at XXXX XXXX of 2013 and financing was provided by Wells Fargo. The appraiser Wells Fargo used miscalculated the property value by inflating the area. I contacted Wells Fargo underwriting person and told her about the discrepancy in the appraisal report. She told me that she can not change it and I ended up with a house that was below the appraised value and could not walk away as the property purchase agreement forced me to buy the property as Wells Fargo was willing to finance it. On my end I am now paying mortgage that is too expensive and can not sell the property as I had to pay a premium due to Wells Fargo 's error.

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 2017-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Back in XX/XX/XXXX USAA decided to restrict my online account access to USAA.com preventing me from seeing or accessing any of my accounts. On XXXX XXXX 2017 there was an ACH withdrawal for {$4000.00} which simply stated member generated. Seeing as I did not have access to usaa.com I do not see how I could have generated this ACH withdrawal, but seeing as there was no other identifying information I promptly requested more information from USAA to help identify the transaction. I made this request multiple times throughout XXXX and XXXX of 2017. Now in XXXX, I received letters stating I disputed the transaction and am asked to sign all these papers stating I did not authorize the transaction I still have no information on. USAA failed to do provide information on this transaction as requested yet demands I send in a signed affidavit stating I did not authorize a transaction I simply have not been given any information on in order to identify it. Furthermore, the letters request XXXX upload the documents on USAA.com which I am restricted and unable to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX Consumer Portfolio received a payment of {$1800.00} that I requested be placed towards the principal payment. My following payment was not due until XX/XX/XXXX. The payment was applied on XX/XX/XXXX and {$1600.00} went towards the principal, {$8.00} towards the payment and {$180.00} towards fees which is not what I had requested when I sent in an early payment. I was not behind on my payment because it was not due until XX/XX/XXXX but they informed me that I had to pay this interest. They also stated I owed {$180.00} in late fees but I had previously paid my late fees. by XX/XX/XXXX I had given them {$5400.00} but only {$5300.00} was applied towards principle and interest. The rest was applied towards the late payments I had accumulated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX there was a private school loan through XXXX XXXX XXXX.It was sold to PNC bank. Last year I had discovered PNC bank had reported this on my credit, and my husbands credit.These 4 accounts are in a charged off status/collection. PNC bank hired this debt collector, XXXX XXXX XXXX XXXX- who does not own this debt, but trying to collect for PNC bank. It is even being reported we made payments on all 4 PNC accounts in XX/XX/XXXXand XX/XX/XXXX, which we did not. Additionally, we have bank statements from our credit union reflecting this. XXXX sent my husband and I a statement for 2 accounts on XX/XX/XXXX. Before we could dispute this, they reported over {$33000.00} on our XXXX credit report on behalf of XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX are reporting this account however was opened in XX/XX/XXXX. Without letting us  know or giving us the 30 days to dispute this. Again, we were not made aware this was going to be reported on our credit report. We have disputed this through XXXX and have been told that XXXX initiated another dispute XX/XX/XXXX with the recommendation that XXXX has double reported these debts and it should be deleted because the current creditor PNC bank has reported this on my husband and I 's credit report. On XX/XX/XXXX we received another statement for one of the four accounts in another amount of {$8400.00}. We sent a certified letter asking for debt validation. The Florida Attorney General, The Ohio Attorney General, and the Florida office of Financial Regulation has been contacted about this as well and investigating the double reporting, the lack of notice about putting this on our credit report and the falsifying of payments made in XX/XX/XXXX by PNC bank. We are also working closely with our attorney on these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: IQOR US INC
State: OH

Complaint narrative:
Man y Allied Interstate ph one calls wi th 3 conversations with  their representatives ( latest conversation was o n   XX/XX/XXXX  ) expl aining that the debt they are trying to collect is a result of identity theft and all required documentation was  submitted to both the original creditor :   XXXX   XXXX   XXXX   and current creditor :  XXXX   XXXX   XXXX . The documentation included credit cards with  XXXX   XXXX  that were in good standing with proof of address, FTC identification theft affidavit an d City of     XXXX  n incident r eport regarding identify theft were submitted on   XX/XX/XXXX .Thereafter, no calls were r eceived.     However, since mid  XXXX ,   XXXX  , started receiving phone call s. Allied Interstate said the bought the outstanding loans from the   XXXX   XXXX   XXXX  . Then, I received another letter dated    XX/XX/XXXX  from Allied Interstate stati ng that  XXXX   XXXX   XXXX  is willing to accept payment of {$190.00} within 30 days! This despite all documentation was provided disputing the charge.to everyone involved.

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 2017-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In  XXXX     2017 without warning, j ustification or reason USAA decided to restrict my online account access and shortly there after with out warning as required by law close all my accounts in direct response to my filing a complaint with the CFPB. Which is also against the law.     However, as a result I began requesting both past and future statements be mailed to me for my checking account for my records. However, to date I have received a single statement for my checking account, and only been told of transactions by USAA for this account. The transaction details I was informed of were all very generic and vague, making little to no sense. Despite multiple requests for additional identifying information USAA has failed to provide the requested information.     Additionally, I received a letter dated  XXXX   XXXX ,    2017 stating I needed to claim funds in my USAA checking account or they would be sent to the state as uncl aimed property. However, when I tried to claim the funds USAA agent  XXXX  informed me I was unable to do anything with the funds and they were not able to be claimed or transferred to any of my other accounts away from USAA as their letter stated I needed to do. So, USAA has sent me a letter requiring me to do something and then refused to allow me to do as their letter required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
In XXXX of 2017 I paid off one of my student loans being serviced by Navient. They finally logged the payoff on XXXX XXXX, 2017. Then today, XXXX XXXX, 2017 they tried to claim that I had overdue interest on the account. I called the customer service and had to argue with them multiple times that this money was not owed to them.
They say they will fix it after a lot of arguing, but I do not trust that they will. This company is very shady and is taking money from people that they are not owed. A full audit should be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
Nationstar Mortgage is moving forward with a foreclosure sale on XXXX XXXX 's home despite the fact that her loss mitigation review remains pending. Dual tracking is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) so we did file a complaint with the CFPB the sale likely wont be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
the bankruptcy is not mine, and multiple errors with the bankruptcy information reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I summited a dispute through XXXX XXXX, on XXXX XXXX, 2017, and also with XXXX XXXX. SANTANDER is reporting 30 days past due every month, on my reports. Which is making my credit look bad, I 'm really trying to build my credit!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My funds have been frozen because someone said that a quick pay went into my account from their account in the amount of {$50.00} on XXXX XXXX, 2017 that they did not authorize. I did not notice the transaction it used to be you had to accept or decline a quick pay but that is no longer an option. I have not had access to my account since XXXX XXXX, 2017. I had over {$200.00} before the deposit and now I have over {$950.00} ( and that 's without the {$50.00} ) .ive called several times they say maybe by XX/XX/XXXX it will be released

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My bank told me On XX/XX/2017 a withdrawal of {$360.00} was made, then on XX/XX/2017 a check of {$700.00} was deposited in a different city also in the same city another withdrawal was made of {$340.00}. I filed a claim stating my debit card was lost and that none of those transactions were made by me. A credit was issued to my account but couple weeks later the credit was reversed. I called the my bank to ask what happen and i was told that it wasnt posible that someone else other than me made those transactions. I just hope that CFPB finds the proper resolution before i have to take legal actions.

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 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Clearing House of America, Inc.
State: KY

Complaint narrative:
At this time The credit clearinghouse is currently in the process of taking me to court for a judgment on the behalf of XXXX XXXX XXXX. XXXX XXXX XXXX had threatened me with legal action in regards to funds that were placed in their financial institution when i was a victim of Theft by Deception under the premise of successfully gain employment. Due to the theft by deception i was not able to secure employment. I was told that a police report could be used to help remedy the situation/ Please review the attached police report for more information. Half of the balance that was owed has been paid and i was unable to continue payments due to being underemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Updated Combined Complaint XXXX Mortgage Fraud Serial Crimes Bullet Point Summary : -XXXX XXXX XXXX XXXX 's XX/XX/XXXX Corporate Collapse Breached to XXXX XXXX  Contract Acct # XXXX with XXXX XXXX XXXX on property XXXX XXXX XXXX Ct XXXX XXXX GA signed XX/XX/XXXX. ( XXXX ) - XX/XX/XXXX file for bankruptcy, XXXX gives permission to XXXX for emergency acct mgt auth to Carrington Mortgage Services. XXXX Collapses -Carrington Mortgage Servicers, ( CMS ) Collected Unconsummatable Breached Contract mortgage payments for 7 years, and concealed true status of Lenders Demise. -Carrington Mortgage Servicers and XXXX XXXX XXXX , Forged Assignment and Transfer to Trust Certificate Series XXXX and Filed Fraudulent Deed Recording Against Real Property. ( XXXX Breached Mortgage Contract ) -Carrington Mortgage Servicers and XXXX XXXX executed a wrongful foreclosure using a Forged and Filed Fraudulently Recorded Deed. -XXXX XXXX collaborates with XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) to execute an CMS insider receivership Bid-Rigged Auction for {$110000.00} on a {$190000.00} home - XXXX executed executes wrongful eviction proceedings in XXXX Magistrate Court case # XXXX for Judgment -I appealed Judgement to Superior Court of proper jurisdiction hearing on my Complaint for Bid-Rigged Real Property Sale , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, hearing date XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
the bankruptcy is not mine, and multiple errors with the bankruptcy information reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
the bankruptcy is not mine, and multiple errors with the bankruptcy information reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Select Management Resources, LLC
State: SC

Complaint narrative:
North American Title Loan had a loan on a XXXX XXXX XXXX, North American Title Loan, and their contractor XXXX XXXX XXXX XXXX did repossession illegally a XXXX XXXX XXXX on XXXX XXXX, 2017 from my home. The vehicle repossessed was n't the vehicle that the loan was taken out on. In somehow realizing by XXXX XXXX XXXX XXXX that they repossessed the wrong vehicle, they unloaded the vehicle on the side of the road without notification. On XXXX XXXX, 2017 as found by XXXX County Sheriff Department, the vehicle was found, surveillance video from entrance and exit in plain view and clear picture captured the truck name, and drivers face of XXXX XXXX XXXX XXXX. On XXXX XXXX, 2017, a representative from XXXX XXXX XXXX XXXX showed back at my home, and requested information about the right vehicle, when advised of the occurrence on XXXX XXXX, 2017, the representative acknowledged that she had previously informed the driver at some point in the past, that the vehicle taken was n't the vehicle sought, she immediately advised her home office of the error and left my property immediately. On XXXX XXXX, 2017 in conversation with the Home office of North American Title Loan LLC, they of course denied any involvement, and denied their agent did the act, then stated that their agent returned the contract as unfounded on XXXX XXXX, 2017, until I advised that they further attempted collection, on XXXX XXXX, 2017. On XXXX XXXX, 2017 I had the vehicle evaluated by XXXX XXXX XXXX, in XXXX, SC at which the damages was assessed at {$13000.00}, torn transmission, bent right rim, and body damage repair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I have an HAMP loan wit XXXX XXXX XXXX which was sent to Nationstar Mortgage. The Hamp loan was for 2 %, 3 % and mature at 4 % in the fourth year. While completing the fourth year the Mortgage company said they are raising the mortgage interest from 4 % - 4.625 % and there are no end in sight. I applied re-modification and they said because I was on time in my payment and not in default they can not help me. I also include a divorce decree where the court request I remove my spouse name on the mortgage, they will not do it. I try to refinance with them and the said no because the property is still under water. I have no where else to go and need help. The new mortgage payment is more that 55 % of my net income and can not continue to afford it. I want to keep my home and now they hold me hostage because I have no where else to go. No mortgage refinancing company will touch me because the property is underwater. I want a permanent interest rate and not floating. Please help me. The following information is necessary Mortgage XXXX Nationstar Mortgage My name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Action Revenue Recovery, LLC
State: TX

Complaint narrative:
I was notified of changes in my report. I log on and see FIVE collection accounts listed that were from XXXX and included in bankruptcy that was discharged in XX/XX/XXXX. I contacted the company and was told they would correct the issue. Then they called back and said they needed proof and more documents and they would " review '' and decide. It is a violation of Federal law for them to be doing this. I stated I would file suit and these need removed. I was told they offer a service to remove them. That is extortion and another violation. Additionally this is a XXXX violation because she stated they have my medical records and can send them to me.

Company response to consumer: Closed with explanation