vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America kept changing the pay-off amount for 3 months. Every time, they changed the amount, they hit me with more interests and more payments. I spoke to multiple Customer Service agents and they all promised to " take care '' of it but nothing ever happened.     Account -  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 2017-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FULTON FINANCIAL CORPORATION
State: WA

Complaint narrative:
My complaint is against XXXX XXXX XXXX, a XXXX unit of Fulton Financial, and their " 10 business days '' dispute resolution process. 
This is the 21st century. If charges ( checking account withdrawals via a debit card ) can be made instantly, it should n't take 10 days to get a disputed charge removed. 

The disputed transaction is the seizure on XX/XX/XXXX of {$1400.00} by a XXXX property : XXXX XXXX, XXXX in connection with a reservation I cancelled on XX/XX/XXXX. The reservation was for a stay scheduled to start XX/XX/XXXX, and I selected an option of " cancel up to 1 day prior to [ XX/XX/XXXX ] without penalty '' when I made the reservation through XXXX. 

The hotel ( and parent company XXXX XXXX ) is insisting that my reservation was a pre-paid/no refund reservation, and they are refusing to issue a refund. 

WORSE : I now ( XX/XX/XXXX ) see ANOTHER {$1400.00} hold on my checking account -- which just appeared this morning. I screamed at the bank about this, but they said there is nothing they can do short of cancelling the debit card ( which I did ) to prevent additional transactions. They tell me it will take ANOTHER 10 DAYS to dispute the second {$1400.00} theft. 

Why would additional transactions from the same merchant NOT be blocked the minute a dispute is filed?!? 

It would seem that our banking system allows for the repeated raid of our checking accounts by unscrupulous merchants, and banks have no obligation to prevent this. This is a very chilling revelation.

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 2017-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I opened a Checking account wit h Capital One  on  XXXX . I deposited  XXXX  money orders in an ATM in the next several days and used the funds to make payments on a couple of my credit cards.     Capital One put a hold, not on the funds, but on my account itself, so that I could n't even deposit more money. They did not inform me of this. I ca n't even access my account to see what 's happening.     When I tried to make a deposit on  XXXX , I was informed of this and was given a number to call. It turned out to be the fraud department, and  XXXX  asked me a couple of questions, which I answered. He then said that an investigator would be calling me.     When I called back on  XXXX , I was told that  XXXX  's notes said that I refused to answer questions about the money orders, which is 100 % not true, and that he suspected them of being counterfeit. There were also notes from an investigator named  XXXX  that he had tried to call me and I had hung up on him! Also false.     I purchased the money orders myself from  XXXX  and  XXXX  and have the receipts, so I know that they are not counterfeit and have the receipts to prove it. But no one a t Capital One care s about me, or the fact that they are holding {$1700.00} of my money, or the fact that I am now in trouble with  XXXX   XXXX  and  XXXX  Card for returned payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
In  XXXX  and  XXXX   of 2017, I  fully paid  XXXX  charged off accounts with  Southern Credit Recovery  Inc in Louisiana months ago. The company has not removed these accounts from my credit report. I called to speak with th e manager twi ce and left messages but no return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
I took a loan in  XXXX     2016 for  {$550.00}. I called today to inquire about balance. The balance is over {$1000.00}. They said they charge a reoccurring finance fee. They are under " tribal law '' so they operate differently. They would only agree to stop the additional fees if I set up a payment arrangement for {$1000.00}.     My fault for not seeing or inquiring about tribal law. However doing business in t he US then US law s should prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I tried 2 days ago to order a replacement card as mine has worn out. I go online to do so and the system says I need to call in as it 's " ineligible '' for replacement. I call 3 times today to try and fix. The first time I get hung up on. The second time I just get placed on hold and then end up hanging up. The third time I 'm not allowed to speak wit h a manager and I 'm to ld there is high call volume. I sit and wait until I end up hanging up. I 'm online now chatting and they state they can not assist me and have to have me call  AGAIN. I  advised I would not call in again and must have this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have a student loan in the amount of approximately {$44000.00}. Navient is my loan servicer. My loan is currently defered due to unemployment. While employed I was making monthly payments that, unbeknownst to me, were not enough to cover the monthly payment. Instead of reducing the amount owed my principal was increasing every month regardless of my payment. My loan began with a balance of approximately {$38000.00}. I was never informed that the unpaid interest would be added to the principal monthly. The interest rate i s 6.8. It  is possible to extend the loan period to 25 years and reduce the interest t o 6.75 maki ng monathly payments of {$300.00}, which is still too high. My loan balance would then increase to over {$90000.00}, almost tripiling the original amount. It was never clearly explained that the loan amount would continue to increase when I took a forebearance or deferment. It is becoming more difficult to pay this loan as the balance has never increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase B ank USA N is repeat edly accepting fraudulent applications for credit cards in my name. Each time Chase Bank accepts a fraudulent application they run a credit card inquiry through  XXXX . Each time they make an inquiry based on the fraudulent application m y credit score g oes down. I have asked them to not accept any more fraudulent applications with my identifiers and asked that they not make any more inquiries on my credit through any reporting agencies. They politely declined my request. I have fraud alerts with all of the reporting agencies but that does not keep Chase Bank from making inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have contacte d PNC Mo rtgage several times since  XXXX   XXXX  when I received my tax reassessment to hand le my county tax bill as w ell as complete a new escrow analysis to adjust my monthly payments to the correct amount. I have escalated several time, and have received no follow up. I have been promised that the analysis would be completed, but it is still under research - even though the new assessment value has been available  on the county web site for several months. My tax bill is now due, and it has not been paid. I ca n't speak to a human in the tax department to discuss my issue since they dont talk to customers - and the customer service area has not been able to communicate appropriately to resolve my issue. this has not been resolved and needs to be fixed. If i could refinance to another company without losing sev eral thousand dollars  - it would be done. I would like PNC to pay my tax bill, and complete the analysis promised so my bills can be correct. I 'd also like a follow up to occur to tell me the current status of my issue, when the tax bill will be paid, when the analysis will be completed, and when i can expect final resolution. Terrible customer experience, no action taken to resolve a tax matter, no urgency to help a customer, no ability to talk to the area that can help. Awful all around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP
State: TX

Complaint narrative:
Company, Republic Finance, h as  left 7 voice mai ls on my cell phone since  XX/XX/2017   .     Calls have originated from several different  # s, s ome from the 'call-back ' number left in the message, others from a number where the  last two digits may dif fer from the call-back number,  XXXX  They are looking for someone named "  XXXX  '' ( spelling is a guess, being pronounced as sounding like   XXXX   XXXX  .     There is no one at that name here. I do not know anyone by that name, and have had this phone #,  XXXX , for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We pai d Wells Fargo {$ 350.00} on  XXXX  .17 to b e applied as follows : {$200.00} for balance transfer fees and {$140.00} as the 2 % payment of the account balanc e. Wells Fargo ref used to do that, instead allocating funds as they saw fit thus making the following months payment approximately quadruple what it should have been. It was our first payment with them.     Since that time we have been subject to stonewalling, lies, inane and anemic squitter and been cut off from addressing the e-mail chain on the subject. On  XXXX  .17 a t  XXXX    XXXX   their representative  XXXX   XXXX  attempted to paint their actions as 'per the account disclosure ' ( which is false ) while at the same time suggesting that WF had no interest or responsibility in honoring our payment allocation instructions . (   XXXX   ) Th is represents fraud by  Wells Fargo an d we wish the CFPB to use whatever putative measures at its disposal to help prevent this insidious practice from happening in the future.     We will use their account for the 0 % interest period then we will move our business elsewhere. We will also close out ou r 401K with t hem immediately.

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 2017-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In  XXXX , I applied for a Federal Loan Consolidation for my Department of Education loans ; I selected  XXXX  to be my new servicer. After Navient, my current loan servicer ( and servicer of my private loans ), received word of my consolidation application -- whether coincidence or not -- raised my interest rates by .25 % : adding almost {$150.00} to my monthly payments.     The customer service representative claimed the rate increase was due to market changes put forth by the Federal Reserve ; those rate increases were made in  XXXX , though, and my  XXXX  interest was not raised. It was not until after word of my consolidation application that my interest rates were increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC

Complaint narrative:
I 've been receiving collection invoices from this company on several occasions. On  XXXX   XXXX ,    2017 I se nt certified mail denying this account belong to me, they fail to respond to this letter. Once they fail to respond I then  sent 3 certified  letters asking them to verify the debt. They refuse the debt with documented proof that the debt indeed belongs to me. They are in clear violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
This complaint is being filed cause sometime in  XXXX  i realized that my card was missing and i reported it to discover. They never credited the fraud charges so i was waiting for the credits to be done on the account. Today i called in and they had never flagged the fraud charges and i am being reported to the credit bureau for 30 day late payment for  XXXX   2017. I ha ve contacted them and been transferred to several departments and to no avail been able to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I requested free credit reports through the site annualcreditreport.com on  XXXX / XXXX /  XXXX  .  XXXX  of the companies provided the report. Equifax did not provide the report. They told me to download a form to fill out and mail in. I called them on the phone and could n't speak to anyone. My friend said this happened to her both times she requested her report in the l ast two yea rs. This is my first time requesting a report. A quick search for complaints about Equifax shows we 're not alone. This is obviously standard procedure for Equifax to force people to buy a report when they ca n't access their free report. I refuse to be victimized by a company in long term blatant violation of the law. Please investigate and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am having a very difficult time making my private student loan payments through   XXXX   XXXX  . They offer little to no repayment plans that fit my budget. I am on the interest-only repayment plan, but when I checked my statement it said that I was on an income-sensitive plan ( which the company does not actually offer ). When I spoke to a representative about it today (  X/X/17    @  XXXX  ) he said that I could not submit pay stubs to determine my " income-based '' repayment plan because they do not offer one. I feel this is false advertising and gives false hope to a struggling borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: PA

Complaint narrative:
I was noticed by BSI Finanical in  XXXX , TX that I was late in my mortgage payments in  XXXX   XXXX .  BSI Financial h as informed me that my loan servicing was transferred to them by my mortgage company,  XXXX  in  XXXX   XXXX . I did not receive any mortgage servicing disclosure from  XXXX  informing me of the change and all of my payments was sent to them as instructed since the purchase of my home in  XXXX   XXXX . My payments ( {$1800.00} monthly, and sometimes {$920.00} bi-weekly as part of the payment reduction pla n ) wer e sent from my bank,  XXXX   XXXX   XXXX  and in  XXXX  were being returned to me by the sender,  XXXX . Since I was unaware of the loan servicing changes and my payments were being held and then returned by  XXXX  in  XXXX   XXXX , BSI Finanical has noted my mortgage as late and notified the credit bureau for not receiving my mortgage payments and assessed a late fee. After being notifie d by BSI Finanical i n  XXXX   XXXX  that my payments were late, I contacted my bank to cancel any additional checks that were not cashed by  XXXX  on  XXXX   XXXX ,  XXXX  so that I can submit my payments t o BSI Financial. B SI nor  XXXX  has not sent me any documentation informing me of the changes. I had expressed my concerns with  XXXX  and BSI FInancial.  XXXX  had informed me that an account statement would be sent me because BSI Financial only have my records from the date of transfer  XXXX   XXXX . I had not received any account statement from  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
Have submitted a prior compliant under number  XXXX . The complaint shows closed, but have been unable to read the company 's answer and justification for closing the complaint. Until I can read their reply, I consider this matter unresolved.

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 2017-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I discovered this account on my credit. I never received a notice for the right to dispute. I have no knowledge of the account.

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 2017-05-01 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: WI

Complaint narrative:
The Equifax credit bureau failed to provide me with a proper investigation as well as provide me with physical proof ( documentation ) that the account I disputed was my account. I did not receive documentation supporting this reporting within 30 days. Under Sectio n 611 ( 5 ) ( A ) of the FCRA- t hey are required to " ... promptly delete all information that can not be verified '' that I have disputed.     Please resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for a loan Modification 6 years ago & was granted a Trial Modification I made all the trial Payments & was denied the Permanent modification  by Wells Fargo Stating th at I apply again & again I have applied 6 times but to no avail, They tried t o Foreclosed & the Court denied  the request, My Interest rate is 7.5 % & they refused to lower the Interest rate & using 7.5 % & each time I can not qualify as the rate is too high, Never once reducing the rate to make qualification possible, We are in Court & the Judge issued a Court Order on  XXXX   XXXX   2017 sta ting that I apply again & submit another Modification Package be  XXXX   XXXX     2017, I   ca lled Wells fargo I was  informed that under no circumstances will be granted another Modification period,  Inspite iof the Court  Order I have sent Faxes & called yet I can not get to submit the New Modification Package as required by the Court.

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 2017-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Th e American Express Platinum Card  offers  5X  the points if the consumer purchases airline tickets from  American Express Travel Services,  which is fine by me. But then, the card also extends these benefits if the consumer purchases their airline tickets DIRECT from the airlines as well. The first part in my opinion is fine. The second part is a restraint of trade and unfair competition with third party licensed and accredited travel agencies. It gives an unfair and monopolous advantage to Airlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I recently applied for a mortgage and have found that on my Equifax report there is a paid off  XXXX  's account reporting as a charge off and showing li ke 26 late pa yments. This was paid off in  XXXX  of    2013 o r so and is showing I owe {$160.00}. I have tried multiple times to contact their retention and renewal department only to get an anwsering machine and never a call back. I just want it to either come off my report or show the status and payments etc correctly.

Company response to consumer: Closed with explanation