vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
I initiated a Wire Transfer at XXXX XXXX to send money to XXXX. The transaction was started on XX/XX/18 by my husband, XXXX XXXX. The money was to be sent to an account in " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' with address at XXXX XXXX in XXXX, XXXX. The amount to be transferred was XXXX dollars. The transaction confirmation code was : " XXXX XXXX XXXX-USD {$9900.00}. 
The note states : Date available as XX/XX/2018 ( already a long time, 10 days, considering it is a wire transfer ) When my father did not receive the money in XXXX on XX/XX/2018 I noticed that the funds were still in my account. I called the bank and they told me : " the transfer was never even initiated '' and they don't know " what happened ''. 
I will proceed to remove all my money from the account at XXXX XXXX today. 
This is very serious, my father was expecting this money today and had financial obligations that needed to be attended immediately. Not having this money available is very detrimental to him. I am extremely upset by the inefficiency of this bank and its disregard for its customers. The worst part is that since I have a mortgage loan from this bank I MUST keep a bank account with them. This was one of the conditions of my loan. Little did I know about the extreme lack of professionalism and poor customer service. I would like to cancel my bank account with this institution and just pay my loan with my bank account at XXXX XXXX. This needs to be known by other people as this bank is not doing a good job and in my case it is causing serious problems to my family and 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 2018-11-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
So in XXXX while I was going through XXXX I called to concern about my loans since I'm already in court with XXXX XXXX XXXX due to the circumstance by which my loans were handed out to me and the amount. 


I called Navient asking them for the document of my last phone which the representative told me didn't exist but, that I have now. 


I also inquired with her about my loans and what I could pay.. She stated I would have to pay XXXX or XXXX and that it was the only program I qualified for. Now they approached me after 4 month with a program that I can afford but they hit my credit score each time and never offered it to me prior as if its a tactic to force the customer to pay a fee they don't have. The program I am in is fine now but. I want the full policy on the program and when the program was created and when should it be offered to me. 
They waited to basically financially destroy me ... not realizing that a credit score is required for a decent job and if i don't have a decent job ; then guess what? It puts me at risk of not being able to pay. 

The program I am in now is fine but, they stated that no late fees or interest accrued since i was offered but XX/XX/XXXX I was sent a delinquency notice. When I wrote in during XXXX using this website was the only time they started considering me for the program that fits my financial need and sent me the document for XXXX before that NO one would help so I want to thank the XXXX but, I also want Navient to provide me with the documents of the program and when it was created not just a half of a page explaining the program. Im aware i have a debt but, XXXX XXXX is fully aware of what they did to me my senior year of school causing me not to graduate and having to start from scratch. I built my credit up for Navient to give me no options and choose to destroy it within 4 month only after my credit was destroyed and I wrote in did they choose to actually help me. WHY IS THAT? 

Im happy with my new program but, the treatment, the inaccurate information, and the manipulation is wrong. 

O an then hit my credit score twice for each student loan back to back in XXXX. 
Meaning 6 TIMES in one month. I have 3 loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MA

Complaint narrative:
This is a bill for XXXX  services that were performed on my spouse approximately 4-5 years ago. At that point I was in a XXXX program and we were both insured. She went to a doctor for routine preventive visit and routine XXXX  were ordered. Subsequently XXXX sent us a bill for the XXXX   for {$1200.00}. They had our insurance information and failed to bill the insurance after repeated request. I dont even have the bill anymore. When i tried to call XXXX they are asking for a bill invoice number which I dont have anymore. They sent the bill to collections and now the collection agency RMCB is repeatedly sending out a collection notice for the past 2 years. I know for a fact that my insurance would have paid that bill. I am also now unable to search for the specific insurance details for that year. I have no idea what to do or who to call and dispute this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I submitted a payment to Lowes/XXXX XXXX, for the payment of {$800.00} dollars, which posted XX/XX/2018. I didn't get notification the check didn't clear the bank as insufficient funds from my credit card company, XXXX XXXX. I was lead to believe the check was cleared for {$800.00} dollars. I spoke to the agent over the phone several time to confirm that everything was fine. The agent submitted the {$800.00} dollar payment to credit bureaus as an OFF CYCLE credit reporting to the credit reporting agencies for payment. This was done three weeks ago. Today isXX/XX/XXXXXX/XX/18, and I've received a 30 day late from Lowes/XXXX XXXX for non payment because Lowes/ XXXX XXXX didn't informed me the payment had been returned. I got a credit alert XX/XX/18 stating that I just received a 30 day late payment from XXXX XXXX. I called them and was told my payment was returned XX/XX/18, which was three weeks from the date I submitted payment. I then spoke to my bank, and was told the check was returned XX/XX/18 for insufficient funds. They took three weeks away from the time I had to to repay that check, and then called it 30 day late and reported it to the credit agencies. They didn't allow me a chance for repayment. I've had this account over two years and have never once been late. Not even one 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
Consumer complaint received 2018-11-23 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: Fay Servicing, LLC
State: MA

Complaint narrative:
Fay Servicing LLC is attempting to seize/sell my Home at XXXX XXXX XXXX, XXXX, MA XXXX despite that we are in modification process to allow us to keep our home. We have a child who is XXXX, and we want to do every legally possible to keep him in this home where he was born and provide stability for him. 

In XX/XX/2018, Fay Servicing LLC through its Account Manager XXXX XXXX offered us a trial payment of {$1900.00} under Fay Servicing Modification Program. 

We quickly notified them that we could not afford this modification. We reapply for the modification, and in XX/XX/2018, we were asked for documents that we provided in the past and were told, they wanted different type ; which were submitted just a month before. For example, we provided XXXX XXXX XXXX Binder, it was accepted several times without objection, and were told they need the policy. 
We submitted everything and a new offer of {$1500.00} trial payment under Fay Modification Program. We were very happy that we finally got a monthly payment that we can afford. The payment was due XX/XX/2018. We made the payment online using Fay Servicing Website and not all the payment was taken. The website only allowed {$1300.00} to be paid. We sent the difference using XXXX through XXXX XXXX. Everything happened timely as requested. In fact, Fay Servicing us until the end of the month of XXXX to make that first payment to be able to accept the trial payment offer. In the middle of XXXX, the time for Fay Servicing LLC to accept the payment of {$240.00} made through XXXX XXXX expired online. 
We requested that they make an option available to received the difference, we were told that could not be done. As such, we tried another payment of what is allowed online. Another payment of {$1300.00} was processed XX/XX/2018 and applied through Fay Servicing LLC 's website which would now cover the full payment for XX/XX/2018 with the difference to be applied toward XX/XX/2018 's XX/XX/XXXXpayment. Two separate checks made online were sent for {$240.00} mailed to Fay Servicing LLC from XXXX. To our surprise, on the eve ofXX/XX/XXXX, we were served with Foreclosure sale notice sent by certified mail and first class dated signed by a foreclosure specialist from Fay Servicing LLC on XX/XX/2018.  Not even 30 day notice, and a notice that came while we were working to enter a permanent modification. 
It seems that Fay Servicing LLC has no intention to modify the loan and is playing tricks to come and get our home. 
We want Fay Servicing LLC to make good on this promise to a permanent modification that we have already accepted by making trial payments. I am not sure what is going on, but this is plainly malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation
State: IL

Complaint narrative:
XX/XX/ I applied for a loan with Avant ( also earlier in the year ) and they continue denying my loans stating they can not verify my identity. I am XXXX years old and have had credit forever. I have talked to vast employees, managers and emailed their fraud department with no resolution. They continuously give me the exact same reason, unable to verify identity and refuse to work with me to resolve. This is not a fair practice as I work in the industry of credit at a mortgage company and have for years. We contact borrowers to provide documentation in this case. Not just deny the loan for a bogus reason. I want help in stopping this practice with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle financed through Satander Consumer USA. Payments were made. My vehicle was repossessed XX/XX/XXXX atXX/XX/XXXX in a very disruptive manner ; I.e : my car alarm was set off and the tow company lit up the entire neighborhood with lights and the sound on my vehicle. Without any notice my vehicle was repossessed and per Nebraska state law I was to be notified via a certified letter that my vehicle was in a repossessive state and given 20 days to rectify ; they failed to send me notice. After the repossession I called Santander and asked for the notice, the representative XXXX I spoke with was rude and stated it was not his job to notify me of my finances. I then mailed a Debt validation letter on XX/XX/XXXX and never recieved a response, I then was notified they sold the vehicle and that I now owe over {$10000.00} and are reporting on my credit file 3 different amounts as a bad debt/charge off, but I was never given the amount needed to get my vehicle back and rectify the debt to get my vehicle back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: MN

Complaint narrative:
XX/XX/2018 At around XXXX XXXX I opened an email from XXXX XXXX, and I opened the email and it said that it was a no obligation to get a response and nothing would effect my credit score or rating, however I found out later in the day They did ding my credit score. My credit score is Poor already and I am trying to refinance the house I and my children are in and now my scores are affected and lower then before.

I am waiting for XXXX XXXX and XXXX XXXX and going through the courts for this, I wanted to get a quote on what the payments would be reduced to, however found that there were no savings to be had after taxes, principle and interest where added.

So, I am very concerned and want my scores put back to normal XXXX XXXX has no right to take advantage by claiming these things. I am used to having my husband do these thypes of things and feel taken advantage of, and lied to. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I tried to buy a house and the mortgage group notified me that one of the three bureaus they pulled my credit reports from was suspiciously low. Found multiple incorrect items reported on my report on Experian. Tried to resolve the issue in XXXX but Experian provided no assistance in the matter. The information on my account also has multiple instances of someone else 's information ( all of which is overdue ) on it who happens to have the same name and be from the same part of Tennessee as me. This is negatively effecting my life. I'm trying to get a personal auto loan and can not due to this bureau 's negligence in thoroughness.

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 2018-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I went into XXXX XXXX XXXX to inquire on possible trading my car in for a newer model and year. I specifically told the sales rep to only run my credit once and if they were unable to give me the deal I was looking for off of that one hit, then I wasn't going to proceed with any transactions. However, once my credit was pulled once for the purpose of getting a car, I was not offered the deal I wanted and turned down the offers that were made to me by the dealership. However, later I discovered that they ran my credit more that once through other financial institutions in efforts to inquire car financing on my behalf ; something, I specifically asked them not to do. I recently worked hard on build my credit up so that I could purchase a home, which I recently did prior to entering this dealership -- and as a result of the hard inquires acquired due to them running my credit more than once, lowered my credit rating, something I take pride in maintaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXX deposited two checks in the amounts of {$670000.00} and {$82000.00} in the incorrect account at JP Morgan Chase located at XXXX XXXX in XXXX, NJ. The checks were made payable to XXXX XXXX XXXX Living XXXX. One came from an attorney trust account and the other from an escrow settlement account from a title company. The checks should have been have been deposited in XXXX XXXX trust account with XXXX XXXX. 

The teller accepted the checks and deposited them in the JP Morgan Chase account. ( See attachments. ) A letter dated XX/XX/2018, and received nearly a week later from JP Morgan Chase indicated that the account was blocked and will be closed ( see letter attached. ) In addition to not enabling XXXX XXXX to have access to the 2 checks that were erroneously deposited, JP Morgan Chase also pulled from the account and disabled access to {$33000.00}. Due to this action by the bank, two checks written against the account bounced. 

XXXX XXXX went to the bank and the manager of the branch contacted the home office and was told that we should open a trust account at JP Morgan or to contact the people who wrote the checks and have the checks recalled. 

XXXX XXXX contacted the bank ( see letter attached ) to ask that the funds be forwarded/transferred to them since the trust account where they should be deposited was held with them. JP Morgan Chase refused to do so and reiterated that XXXX would need to open a trust account with JP Morgan Chase. 

XXXX XXXX went back and forth with JP Morgan Chase numerous times. As of Wednesday, XX/XX/XXXX JP Morgan Chase indicated that they mailed back to XXXX a check for {$33000.00}, though that has not yet been received as of today, Friday, XX/XX/2018. At the same time, XXXX XXXX was forced to open up another trust account with incurred attorney fees in the amount of {$300.00} in order to get access to the two checks deposited in error. JP Morgan is transferring the amounts of the two checks -  {$670000.00} and {$82000.00} and allege that the money will be in the account by next Wednesday, XX/XX/2018. Additionally, the money will lose significant interest in JP Morgan as opposed to where it should be residing at XXXX XXXX and, when asked, the branch manager for JP Morgan in XXXX, NJ indicated that she did not know if or when well be able to pull the money out to put back into the account it should be in at XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
This company continues to report information to the credit bureaus that is not mine. The information on the reports belongs to a person named XXXX XXXX XXXX, and I am XXXX XXXX. This is not my account. I have written to this company and called as well. I have not received any correspondence to validate/verify this debt is mine. I feel this is my last step.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE

Complaint narrative:
Hello, My name is XXXX XXXX and I am writing in regards to recent change in my Escrow right away after my lender XXXX XXXX XXXX sold my Mortgage to Lakeview Loan Servicing LLC. My loan is a fixed rate mortgage. The home was purchased through XXXX XXXX XXXX XXXX with Settlement Date of XX/XX/2018. They recently sold my Mortgage to XXXX XXXX XXXX and my first payment was due XX/XX/XXXX. Before this sale of mortgage to Lakeview From XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I made payments of agreed Settlement to XXXX XXXX XXXX even though XXXX XXXX States they purchased Mortgage on XX/XX/XXXX. During the time After settlement up until XX/XX/XXXX my mortgage remained the agreed cost. Suddenly, after paying my XX/XX/XXXX mortgage ( which I paid early to the new lender Lakeview ) I was informed my Mortgage payment was being increased due to incorrect calculation of the Escrow. I have not even had the house for a full year. The inspection of the home was performed a week before settlement. All figures we're calculated at that time. A month later the Mortgage Company XXXX XXXX came to the home and reinspection of the home was performed by them and the amount of insurance cost remained the same no changes. The county and State taxes have not increased since the purchase of my home on XX/XX/2018. I have no way of finding out how this new lender has come up with these figure. I have contacted both XXXX XXXX XXXX to try to find out and they don't understand why this has happened either. I would like this to be investigated further. I believe that Lakeview Loan Servicing is performing fraud against it's customer by purchasing their loans then increasing their payments and claiming it is a result of under charging in Escrow. I have provided the following documents to be researched.

Sincerely, 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 2018-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recover, LLC
State: FL

Complaint narrative:
I received a letter from XXXX XXXX XXXX - in XXXX Texas stating I owed a debt for an apt complex. The account was in another name the year before and it was taken off all credit reports. Account seems to have been bought and back on my credit reports- when I sent a letter demanding the original debt proof etc the letter was returned to me unable to deliver- The address on my credit report and the letter it is the same but yet no contact since then but they have managed to have my credit score go down over 45 points for no good reason.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQuifax you are the only one still reporting this account the other credit companies have remove this account.XXXX XXXX XXXX this is not my account your report states closed XXXX, bal XXXX  min monthly payment XXXX still shows reporting of payments, last payment -- -- -, amount past due XXXX, worst payment no info, i contacted XXXX XXXX XXXX  they state the only thing they had was a credit card was sent to my address { I request a Copy of signature that it was signed for here at this address never responded it, even a return receipt with a signature no response they state it was sent by regular mail, Nothing show an actual signed contract with my wet ink signature on it from XXXX XXXX XXXX or remove it at once like the other credit companies have .AnFCRA 623,

Company response to consumer: Closed with explanation