vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MINNESOTA LIFE INSURANCE CO., THE
State: KY

Complaint narrative:
I am working with XXXX and I have four creditors calling as much as 15 times a day all hours, nights and weekends. Personal Finance XXXX KY., XXXX, XXXX KY, XXXX, XXXX, XXXX, and XXXX Bank. I also work in collections and with all the calls and the hour before XXXX and until after XXXX and on Sundays. They leave messages, and still call back more than what the FDCPA guidelines allow. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
Failed to pay property taxes after 5 phone calls to bank. They denied they did anything wrong and told me to dismiss delinquent notices due to the fact they paid the taxes. However they never sent me proof that they were paid. I pay my taxes in my mortgage and today received a certifed letter of delinquency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Statebridge Company
State: NJ

Complaint narrative:
We paid off loan # XXXX with Statebridge Company, LLC in XX/XX/2015. I have still not received notice that it has been paid off. I have called them numerous times in the past and left messages regarding this issue and have not received any phone calls back. At the time of our payoff, Statebridge had messed up the amount owed so badly that I filed a complaint against them. After paying off the loan, I had spoken with a representative regarding this issue and they told me we still owed {$5000.00}. After clarifying that issue, which was very time consuming and involved getting our new lender, The XXXX, involved we received notification from XXXX XXXX of Statebridge that we did not owe anything and the loan had been paid in full. We were informed that we would be receiving notification in the near future. I have never received any notice that this loan had been paid and am concerned about when we try to sell the properties in the future that are on this commercial loan. As mentioned earlier, I have contacted them several times since XX/XX/2015 and my requests go unanswered. I am aware of numerous other complaints against this company and am quite surprised that they are still in business. The loan was in the name of my business XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a deposit at a Chase ATM on XX/XX/2017 in XXXX, CA for {$900.00} and the ATM only credited me {$800.00}. On XX/XX/2017, I withdrew {$500.00} to only receive {$280.00} from the same ATM in the same city. So in total I was shortchanged {$320.00} from XXXX different transactions that occurred from the SAME ATM. I expect a credit fo {$320.00} as this is in no way acceptable. When I deposit money at an ATM, I expect to receive no less than the amount that I deposited. Therefore, I would like a full credit for {$100.00} on the XX/XX/2017 {$900.00} deposit and {$220.00} for the XX/XX/2017 {$500.00} withdrawal. I do not know what is wrong with this ATM but I demand the {$320.00} be credited back to me ASAP as explained previously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My XXXX credit report shows an unauthorized credit inquiry from PNC Bank on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted each lender requesting removal, but my request was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I get Robocalls from Comenity Bank at least XXXX times a day. They have called under the following numbers : XXXX and under Unknown. I made a payment of XXXX dollars last month in addition to another XXXX dollars. I only owe XXXX. I work for a federal government office and I am a fraud coordinator for our internet programs. They have threatened me with legal action, they call me outside of XXXX. I have kept all of the voicemails with the people 's extension ( my iphone stores the voicemails as text ). I informed them of the Telephone Consumer Protection act every time and that if I just made a payment of over XXXX dollars they need to stop with the phone calls until I am past the next payment due date if that is all necessary. This is excessive Robocalls. In addition to that they are using an outside company XXXX XXXX XXXX to make their calls. This is not a collections company. I thought that was illegal for them to do as well. They are sharing my information and debt information with outside companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has allowed Collection agencies that to re-post accounts that have been resold more than once.

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 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following hard inquiries in my Transunion report were not approved by me please have credit reporting company delete. I sent multiple letters to credit company and they were not deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company should also delete these accounts as they are showing wrong after multiple letters were sent : XXXX 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 2017-04-13 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A credit card was opened up in my name with numerous purchases. I was not aware of this until I seen the card on my credit report. I filed Bankruptcy in XXXX so I know my credit was n't great and had no need to check my report, but when I did and made the dispute with XXXX, Capitol One states I waited too long to report it to them. I then contacted Capitol one to report this fraudulent credit card. Capitol one will only issue credit for partial amount as fraud, this they say was because I waited too long to report it.. How was I to report credit card fraud for a credit card I knew nothing about? So my complaint is with Capitol One since they are making me responsible for the majority of the charges. I asked Capitol one for a copy of the statements from the time the card was opened in XX/XX/XXXX. This request was made in XXXX and I still have not receive them after calling numerous times for a request. In order to file the police report they said I needed proof of the fraud like the statements with the address where they were originally being mailed to. Capitol one will not even tell me if this was an online application or paper. How was this approved with my recent Bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
In XX/XX/XXXX my father refinanced our home to pay off some remodeling debt. He signed this loan not knowing what a negative amortization loan is. Over the years He paid the mortgage on time never missing any payments but only making the minimum payment on the loan, without knowing that the balance of it was getting larger. So then the loan was sold 2 separate times. My father passed away in XX/XX/XXXX and I now have this loan which was automatically converted to an interest only loan with Nationstar Mortgage. I have been living in the house so I continued making the payments till suddenly the payment went from XXXX to XXXX. I do n't know what to do. I called the mortgage company and they told me that if they modify the loan it would only go to XXXX per month. I will soon be getting foreclosure notifications. I asked them if they would take partial payments and they said they would just sit in limbo. I know that Neg Am and Balloon loans are illegal but I do n't know what I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
XX/XX/2017 I friend of mine send money order through Wester Union ( WU ) With the tracking number XXXX. XX/XX/2017 I picked up the money for a total amount for {$1900.00} at one WU agent store in XXXX, CA. They did n't give me cash as they usually do, Instead they gave me XXXX checks XXXX for XXXX other for {$930.00}. So I took those checks and deposited them in my Bank Account. Next day XX/XX/XXXX, I received a call from my bank to let me know the checks bounced. Since then I 've been looking for an answer about what happened with WU and made more than 12 phone calls to their customer service line. They keep telling me is an Agent problem. I went 2 times back to the Agent Store they call to their Agent Service Line with WU and after a long wait both times, same story, they said the problem is with Western Union. As you can see I 've been running in circles with this XXXX institutions NO ONE TAKES OWNERSHIP of the issue and give me a concrete solution, they just said that I have to wait, But I ca n't just sit back and do nothing. I filed a complaint in Western Union complaint service with the case num XXXX no answer on their end. There are many wrongdoings in this case, I feel ripped-off. in the First, I went to a Western Union " Authorized Agent '' and they gave me BAD CHECKS why? Second, After so many emphasis Nor Wester Union Neither the Agent take ownership they keep bouncing the ball between them. Third I paid for an express service {$60.00} dlls fee, cause I needed they money urgently and Is time that I do n't have my money back yet. Even though the sender pay in cash and fulfill all Western Union policies last but not least, Wester Union and its agents may decline to accept or pay money transfer that either of them determines violates any applicable law or policy, But in this case they accepted the money and more over they paid it, What means everything was okey and according their policies and laws. So why I have to deal with not funds Check? This is a rip-off!!! 
Resume International Money Transfer in compliant with all Western Union Policies and Laws Amount {$1900.00} Dlls Problem : Bounced Check By on of Western Union Authorized Agent Money Origin XXXX Dated XX/XX/2017 Money Pick Up XXXX, CA Dated XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
BACKGROUND : Late on the evening of XX/XX/2017, I saw two payments pending in online banking of my XXXX checking account, both of which were NOT MINE. These pending payments totaled {$12000.00} : One to XXXX for {$7500.00} ; and one to Wells Fargo in the amount of {$5300.00}. I initially planned on going to my branch the next morning, but then in the wee hours of XX/XX/2017, decided to call XXXX XXXX number to alert them. After talking to various departments, the third department told me that the Claims Dept. was closed, and told me " you 'll have to call back tomorrow. '' When I called the next morning, the Claims Dept. told me the payments were already disbursed, and it was too late to stop them! I assumed XXXX would make good on these fraudulent payments, but their Claims Dept. rejected my claim, saying that my phone had been used to make the payments. My XXXX banker intervened for me, to no avail. So I complained to the Better Business Bureau. I was then contacted by XXXX from XXXX Executive Office, who told me he would investigate my claim. XXXX concluded that XXXX position of denying my claim was unchanged, but as a courtesy, they requested XXXX to reverse the online payment to them, which they did, and I recovered that {$7500.00} payment. XXXX said they were not given the option to reverse the payment to Wells Fargo for {$5300.00}, and suggested I pursue that matter on my own. So he provided me with the WELLS FARGO A/C NO. XXXX, so that I could pursue the {$5300.00} fraudulent payment that went into that account from my XXXX account. 
WELLS FARGO EVENTS : Wells Fargo has not helped me, and concluded that they have done all they 're going to do, and told me that I 'd have to pursue the matter with XXXX. A Wells Fargo representative named " XXXX '' ( who works with or under XXXX in their Executive Services Dept. did provide me with a Wells Fargo email address that only law enforcement ( i.e. the XXXX ( Fla. ) Police Dept. ) to correspond with. At any rate, I am still at a loss of {$5300.00}.

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 2017-04-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SECURITY FINANCE CORP
State: LA

Complaint narrative:
Although debt was not validated to clear the issue I sent in a letter and check that said " in cashing this check this you consider this account paid in full and agree to remove it from all XXXX credit bureaus ( XXXX, XXXX, XXXX ). This was cashed on XX/XX/2017 and the account has not been removed from all XXXX bureaus as of today.

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 2017-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: TX

Complaint narrative:
This Company ( ERC ) Enhanced Recovery Company, collection company I assume has been removed from my XXXX report just a few months ago and noew they are back on there again after proving it was not my debt the first time, If i m not mistaken that is not legal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
My target credit Redcard was a few days past due so they turned it into their collection agency which is only open during certain hours and days. I live in Hawaii and I called at XXXX on XX/XX/XXXX. after being on hold for a while with Target customer service I finally got through to an agent because using the automated pay system was n't working after I tried three different times. I finally got a hold of a customer service agent and they told me I had to speak to a different department in collections. I was placed on hold and waited for another five minutes with hold music but no one came to the phone. Then I was disconnected. I called back again and waited again another XXXX minutes to speak to a customer service agent and I explained what happened. they said that the collections department had closed at XXXX Central time and they will not be open tomorrow because it 's a holiday - XXXX. I asked for a supevisor thinking that they could access my account but no change in attitude. She ( manager ) said they would be open again on Saturday and that I would have to call back during business hours on Saturday. I told them that I was ready to make the payment and could they please accept my over the phone payment or online payment and they said no because my account information was no accessible. I could not find anywhere in the Target Card Agreement where I was restricted on paying off a late invoice to Target unless through collections. I had been traveling in XXXX and overlooked that months payment so I usually have a good credit history. I felt this was unfair treatment for a consumer to deny receipt of payment! Consumers ought to have the right to pay online or by phone to pay their credit cards, especially if they are behind and do n't want to accrue additional fees or interest. Please address consumers rights on this matter so this does n't happen to others in a similar situation. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: ID

Complaint narrative:
I have asked this company many times to update and correct my info and the banks that they have listed correct their wording on the listing they have on this company. I have never done anything wrong to make them list the wrongful items. But this company isnt doing the corrective matters. They are just making it harder for my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My creditor is using abusive collection tactics. I told them I am in the process of filing a bankruptcy as recommended by a consumer credit counseling agency. The company then tried to demand payments and told me they would potentially refer me to their attorney for further collections. The lady I spoke to was very rude and very much not understanding of the situation. She made several threatening and intimidating statements during the call including that calls would possibly even continue while I am in bankruptcy and that they may conduct a review of my income and assets for dealing with further collection of this {$800.00} debt. I informed this person I barely had enough money to pay for my food and prescriptions and that my income had been greatly reduced. She kept pressuring me to make a payment. I told her my bankruptcy would be filed in the next two days and I did not have money and she just kept pressuring me to pay her. She really frightened me to the point where I was afraid she was going to keep calling during a time when she should n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I try to make sure that student loan account is current whether employed or not. I was not employed at one point encouraged to fill out for a forbearance period ( instead of a deferment so that I was not responsible for the interest accrued due to not having a job ). I was approved for the forebearance for 12 months. 3 months later I was contacted for a payment ( according to them I called but they refuse to let me hear the recording ) asking for a payment. I told them I could not afford to make a payment and was encouraged to make fill out for a IBR. They rep told me since it is income based and I have no income that I wouldnt have to make any payment. There was no mention that my account was still in forbearance which meant I didnt have to make a payment anyway. Turns out at the same time I was using forbearance time as well as under the IBR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
HUNTER WARFIELD DID NOT PROVIDE VALIDATING PAPER WORK STATING THAT THERE WAS A DEBT OWED ON MY BEHALF. THE INFORMATION THAT WAS SENT WAS A LEASE AND AN ITEMIZED STATEMENT OF CHARGES WITH NO RECEIPTS OR PICTURES TO PROVE THAT THAT THERE WAS A DEBT OWED TO ORIGINAL CREDITOR. ALSO THE PAPER WORK THAT THEY SENT DID NOT HAVE ANY VALIDATING SIGNATURES FROM ORIGINAL CREDITOR PLUS NO RECEIPTS AND NO PICTURES THAT WAS ORIGINALLY REQUESTED. HUNTER WARFIELD KEEPS REMOVING THE ACCOUNT AND REPLACING BACK ON MY CREDIT REPORT WITHOUT ANY VALIDATION PAPER WORK OR PROOF AND LEASE AND ITEMIZED STATEMENT IS NOT VALIDATING ANYTHING

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation