vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
HERE IS ANOTHER LETTER PROOF OF LIES BY THE BANK XX/XX/XXXX FROM XXXX XXXX FROM THE EXECUTIVE OFFICE RESEARCH REMEDIATION DEPT EXECTIVE OFFICE AND SIGNED BY HIM OR HER IT STATES THEY RECEIVE A STOLEN OR, LOST NOTIFICATION AND ON XX/XX/XXXX THEY ISSUED A CARD ENDING ON XXXX WHICH I CLOSED ON SAME DAY, SECOND LETTER FROM XXXX XXXX AND SIGNED BY HER THAT ON XX/XX/XXXX I SPOKE TO HER AND STATED THAT THE ACCOUNT ENDING ON XXXX AND THAT IT WAS MY STEPSON AND THEY CLOSED THE ACCOUNT ON XX/XX/XXXX AND THAT A FRAUD CLAIM WAS FILE BY THEM AND THEY WHENT AND TRANSFER OVER 50 TRANSCATIONS TO IT ALDO THE ACCOUNT HAD BEEN CLOSE ON XX/XX/XXXX AND YOU HAVE THE PROVE OF THE LETTERS SENT BY THEM SIGNED AS WELL AND THAT WAS DONE. 
1- THE ACCOUN ENDING ON XXXX WAS CLOSED BY THE BANK ON XX/XX/XXXX THAT WAS NOT MINE EITHER AND THEY WHENT AND STATED THAT THE CARD ENDING ON XXXX ON XX/XX/XXXX AND IT WAS LOST OR STOLEN AND CREATED ANOTHER ENDING ON XXXX AND FOR 30 DAYS THEY DID AL THIS CASH ADVANCES AS WELL THAT WAS A LIE. I ALSO NEVER HAD THAT CREDIT CARD AND THE CREDITS REPORTS SHOW THAT THE ACCOUNT ENDING ON XXXX WAS OPENED ONXX/XX/XXXX AND THAT WAS ANOTHER LIE YOU HAVE THE PROOF THAT SOMEONE ON THE SIDE OF WELLSFARGO HAS BEEN LYING AND I HAVE FILED A LAWSUIT WITH THE SETTLEMENT PEOPLE. 

ALL THIS IS VERY SIMPLE ALL YOUR PERSONS SIGNED AND PROOF THAT THEY LIED AND HAVE THERE SIGNATURES AND I HAVE ATTACHED THE LETTERS.

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 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have disputed a collection account with XXXX XXXX, XXXX that is on my Transunion credit report. This collection account has been disputed several times with Transunion, and also with XXXX XXXX, XXXX. I have asked for validation of this debt in which I am entitled to under the FCRA. Every time that this debt was disputed, I have been told that the debt was verified. However, I have never been provided a signed contract with my signature on it between myself and the Original Creditor ( XXXX - XXXX ) or  XXXX XXXX, XXXX. I called XXXX to ask to get a signed contract with my signature on it, and they could not provide one. I asked XXXX to do the same, and their response was " You indicate that when you asked XXXX for a signed contract, they advised that account records are not kept on file after the debt was sold. Please note that it is not uncommon for a credit provider to archive an account once it has been sold. Therefore, when contacted by you, the representative of the original credit provider may not have had access to the pertinent account information. '' They also report the debt amount being {$4000.00}. According to correspondence from XXXX - XXXX, this information is incorrect. The Original Creditor states that the amount on date of sale was {$3900.00}. Reporting an incorrect amount is a violation of the law. XXXX agreed and has removed XXXX XXXX, XXXX from my credit report. I am asking for Transunion to do the same, and remove the collection account with XXXX XXXX, XXXX from my Transunion credit report immediately. I have attached correspondence from XXXX XXXX, XXXX and XXXX - XXXX as evidence.

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 2017-11-28 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: AES/PHEAA
State: MN

Complaint narrative:
Hello, I 've been dealing with XXXX XXXX XXXX for the past 6-months. I 've worked with XXXX XXXX XXXX  XXXX XXXX ( a XXXX ) organization for the past three years. I recently found out that they have not been counting my payments towards loan forgiveness over this period. 

I 've been writing them and working with them consistently and finally got a determination that I have qualified for 13-payments. I 've been working for this XXXX for 37-months. I agree that my first year of payments should not count as I was working as an XXXX/XXXX XXXX XXXX fellow and did n't apply my award in a lump sum award. However, the other 25 months I 've worked at my organization should be counted towards forgiveness. 

After my determination, I asked why they did not count the other 12-payments and they simply sent me a chart but did not give me a determination as to how or why they came to this. Similarly they stated in a chart that there were 11-months that they received no payment yet I again have documentation of this. 

Then, they attached a chart which said they did not receive full payments. I have bank records and other documentation showing this is completely false. I truly believe they are lying intentionally. 

They 've said multiple times they 've never received documentation from me but yet I have copies of these things. I would like assistance getting to the bottom of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Quicken Loans DBA Rocket Mortgage NMLS ID : XXXX lists a 15 year conventional mortgage rate of 3.25 % with 2 points. 

Description https : //www.quickenloans.com/XXXX XXXX5-Year Fixed-Rate Mortgage : The payment on a {$200000.00} 15-year Fixed-Rate Loan at 3.25 % and 75.00 % loan-to-value ( LTV ) is {$1400.00} with 2 points due at closing. The Annual Percentage Rate ( APR ) is  3.704 %. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. 


On Monday XX/XX/XXXX Rocket mortgage ran a cyber Monday promotion with the following details : *Client will receive an additional XXXX discount points. Offer is valid on Rocket Mortgage applications received between XXXX ET and XXXX ET on XX/XX/XXXX. This offer is only available to clients who complete the " Lock My Interest Rate '' step of the application process on the Rocket Mortgage website. Applies to refinance loans in the amount of {$100000.00} or greater only. Offer does not apply to jumbo loans. Additional restrictions/conditions may apply. Not valid with any other discount or promotion. 


Upon completing their application I was not offered the discounted rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: AR

Complaint narrative:
Medical Data Systems has a debt on my credit report and it 's showing paid, but this debt is not mine. I have tired to call them and explain the issue, but they stated their is nothing that can be done because it 's paid. I tired to validate the debt twice, to get proof that the debt is not mine. I want to send the paperwork to the credit reporting agencies, to see if they can help me. Medical Data Systems refuses to send any paperwork regarding the validation of the debt. Please help!!! even though this debt is showing paid, it is lower my credit scores.

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 2017-11-28 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX 2017, When the Auto dealer XXXX XXXX, XXXX Texas. retail repair store offer me replace new parts On key and Ignition lock, I agreed. However, they cheating whole thing, Deliver me to totally without replacement, instead just gave me 1 used key Which even not work on remote open door, only do ignition So they cheat me {$460.00} for non replace non service. 
XXXX that dealer also made fake invice, intentionally make wrong my email and address and tele number so as skip their headquarter survey afterwards. 

While I have presented lot evidence to XXXX XXXX creditbcard, they Kick ball, made no faith to customer card holder.

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 2017-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA
State: CO

Complaint narrative:
XXXX XXXX XXXX / American Education Services ca n't provide documentation for private student loans they say I hold which I know now are not valid. These loans ( there are 2 ) originated in XX/XX/XXXX/XX/XX/XXXX and total {$85000.00} after " Interest ''. In my particular case, that is absurd. Additionally, once I discovered the error I tried all avenues to have all of the companies involved fix the issue and I stopped making monthly payments. Those payments were between $ XXXX a month. The struggle was real. Then, instead of helping me and taking responsibility, they charged off the loans to the Credit Agencies ( XXXX and XXXX XXXX ). 

I have all of the various items required for the fraud affidavit packet which I 've submitted multiple times. It includes a copy of the only document they have on file which is the promissory note, 7 copies of my real signature, a police report, etc. 

This does n't address how those companies were disgustingly generating and receiving interest. Out of the above payment I mentioned I used to make, there were many months where {$0.00} went to principle. 

I am writing this in hopes the CFPB audits my accounts with XXXX XXXX XXXX to help determine if I qualify for justice in this case. It is worth noting that during my time at XXXX XXXX and XXXX, for which i have not yet graduated due to issues relating to this issue, I also physically received unsubsidized and subsidized federal student loans through XXXX and the department of education. These, I consider my real loans, which currently total {$15000.00} and are paid up to date. Much more realistic, I 'm not a doctor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I received a notice on my credit score about a debt. I called Gurstel Lawfirm PC to ask them to send me written proof that the debt was mine. I have contacted them 3 times to try to get this information and still nothing. I am trying to purchase a home and need this off of my credit in order to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: LA

Complaint narrative:
After reviewing my credit report I sent debt validation letter to this company ( Hunter Warfield ) they in turned sent me a bill for charges that should not be included in any statement balances claimed to be owed. The apartment received First and last month and all bills were paid until move out date. Notice was given and keys returned to XXXX upon move out. When asked for more details on how these charges were incurred I received no response. Ive sent out a second set of letter and have tried to have this deleted from my credit file and the company keeps saying verified but that is not true.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Advance America, Cash Advance Centers, Inc.
State: NV

Complaint narrative:
Received a loan form Advance America.

Never received any type of collection notifaction 's just treating phone calls about them wanting to sue me. I have received any type of collection letter for the right to dispute or or contact information, never received any type of phone calls about my debt. The only phone call that I have received was from a processor about them suing me for pay off the debt i was never notified about.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX a cashiers check for {$11000.00} was mailed to XXXX XXXX XXXX from XXXX XXXX XXXX to payoff my auto loan. They recieved the check and cashed it on XX/XX/XXXX. XX/XX/XXXX an additional payment of {$500.00} was sent from my checking account automatically by XXXX XXXX XXXX. At this time, the loan is paid off, but Exeter has not returned the {$500.00}. I have called the company on several occasions. The company admits they owe me the money, but does not seem to be able to return it to me in a timely manner. The offshore call center customer service is a collection center and is ill equipped to help customers with any other problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX I paid {$1500.00} to my Regions Visa credit card through my Regions online banking account. The " deliver by date '' was XX/XX/XXXX. A minimum of {$40.00} was n't due until XX/XX/XXXX. My payment of {$1500.00} was withdrawn from my Regions checking account on XX/XX/XXXX. A week later, I received a paper statement claiming that they did n't receive payment until the XX/XX/XXXX. I called my Regions credit card with proof of timely payment. They apologized and removed their faulty fees. 
The following month, an almost identical situation occurred, only much worse. Not only wo n't they remove faulty fees, but are also attempting to charge interest for previous month 's balance which had been paid in full before the due date. I produced the proof of payment withdrawn from checking account along with confirmation number.

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 2017-11-28 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: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX sent me a refund check in the mail for the amount of {$600.00} on XX/XX/XXXX. I  deposited it through my mobile bank. Bank showed check went through. The next day the check came back out with a fee of {$5.00}. I called my bank they said it said " referred to maker. '' I called heartland XXXX they said check was cleared, they said they would look into it and get back to me with what they found, never did. I called back and they said check is cleared and nothing they can do and they would look into it to see what was going on, never heard back. I called today XX/XX/XXXX and they said they could n't do anything and for me to call and file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: VA

Complaint narrative:
A fraudulent ATM withdrawal for {$300.00} approved in XXXX, Fl XXXX ATM on XX/XX/XXXX around XXXX XXXX, a second attempt to withdraw {$200.00} at same ATM was denied as it was cited as fraud. At the time of ATM withdrawal I was at work in my hometown approximately 800 miles away with my debit card in my possession. Bank of America notified me of fraud immediately and I confirmed that I did not make this transaction within 30 minutes of notification. I followed up with BoA at XXXX that evening to ensure bank had all the information they needed from me, and to clarify if I needed to take any additional action. Police department in XXXX, Fl notified of fraud on XX/XX/XXXX- I was advised by detective that ATM footage is " difficult to retrieve '' and to pursue matter with bank. I received a letter from BoA on XX/XX/XXXX stating that temporary credit that was issued on the date of the incident will be removed on XX/XX/XXXX. When I called BoA on XX/XX/XXXX I  was told that because correct pin number was used and that account was not completely depleted money will not be refunded because it must have been someone with personal knowledge or authority to access my account. On XX/XX/XXXXI asked that claim be resubmitted.

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 2017-11-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC
State: TN

Complaint narrative:
I took out a loan with Rise credit for XXXX when and submitting the paperwork - it stated the estimated payment would be XXXX every two weeks. I have now been told that the payments are fluctuating because that first payment was only one day of fees. That was not disclosed and is completely unfair. I cant possibly afford fluctuating payments like this! 

I attempted to talk to there customer service department and there collection department, they only explained the payments fluctuate. What I want is to pay the XXXX every two weeks without compounding interest. 
From what rise is charging on a XXXX loan I would pay back close to XXXX - I need help and if I pay the XXXX every two weeks I will never get out of the hole the are putting me in. 
This company is robbing people!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Recovery Solutions LLC
State: CA

Complaint narrative:
I keep getting on a daily bases sometimes a few times a day calls from a number XXXX saying I need to call XXXX. I work in XXXX XXXX XXXX so it is very hard for me to call back during the same business hours i work. I had time to call back to to figure out why am i getting so many calls daily. i called XXXX a man picked up asked me if I was XXXX XXXX and verify SSN. I told the man I would not be giving any info can he give me the name of the company so i may know if the collect was a fraud or not. He said I need to verify information. I tired to explain to the man my rights as a consumer he started to over talk me yelling and than just he hung up the phone. I called back a female answered this time I stated my name and i had already been treated rudely by the previous rep and than that lady became quickly loud and rude. I explain i still am not sure what you business is calling me for no is telling what this debit is for. She began to over talk me while i was trying to speak. I keep asking the ma'am to please allow me to finish my statement she also got loud to over talk me and hung up. called third time is the charm to figure why are they calling so much and this time i asked for a supervisor to explain to her the treatment by call reps. I spoke with a XXXX now i am recording the call my self i let XXXX know the call was recorded for my own protection based on the previous treatment. As i started to explain to her how the reps hung up start yelling saying so you not going to pay your debit, yet i do n't even what they want to pay.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
A modification was completed on the first and second mortgages on my property in XX/XX/XXXX. My theory is that when servicing of my loan occurred in XX/XX/XXXX/XX/XX/XXXX, my new terms were not applied and my payments were not reduced. The previous servicer was XXXX XXXX, Attn : Mod-Imaging - CA XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I also filed for bankrutpcy around that same time. 

Every time I tried to speak to someone I would be told that I was calling the wrong place. I do n't speak English fluently and these banks are taking advantage of this.

In XX/XX/XXXX, I sent in another mortgage assistance application to Ocwen and they called me to tell me they received my application but that they only do refinancing and that I sent it to the wrong place. Please assist me in getting the assistance to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I was the victim of a theft of checks from my home- office/bedroom. These checks were endorsed by me and deposited to my checking account using my mobile phone. I was not aware of this theft until I began receiving notices from my bank that the Federal Reserve had sent them an order to reverse the deposit of the checks and remove the funds from my account.

XX/XX/XXXX I deposited a check for {$170.00} On XX/XX/XXXX this deposit was reversed.

XX/XX/XXXX I deposited a check for {$140.00} On XX/XX/XXXX this deposit was reversed.

XX/XX/XXXX I deposited a check for {$200.00} On XX/XX/XXXX this deposit was reversed.XX/XX/XXXX I deposited a check for {$75.00} OnXX/XX/XXXX this deposit was reversed. XX/XX/XXXXXX/XX/XXXX I deposited a check for {$180.00} On XX/XX/XXXX this deposit was reversed. XX/XX/XXXX I deposited a check for {$120.00} On XX/XX/XXXX this deposit was reversed.

XX/XX/XXXXI deposited a check for {$85.00} OnXX/XX/XXXX this deposit was reversed.

{$980.00} total was taken from my 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