vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
Sent them a check for almost $ XXXX. They received and cashed the check but it 's been 2 weeks and my account has not been credited. Called several times and no one can help. Trying to do the right thing by honoring my obligation but it 's turning into a huge headache. In the meantime, my balance is stilll collecting interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My attorney called XXXX of Well Fargo to let her know I was going to sign the Loan Modification after accepting it by paying and continuing to pay the new payment of XXXX. When he called she told him the deal was off the table and I would have to refile for a new modification which I did in XX/XX/XXXX. Since sending in the papers no one contacted me. I called to check on the paperwork and they said according to the CFPB that you can only file within 3 years. I filed for my first modification in XX/XX/XXXX and now in XX/XX/XXXX. How can they get away with Taking my home when they said I qualified for the new modification and took it off the table?

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 2017-04-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I live in XXXX Utah and today I went to the Chase branch of XXXX to open a new account. I already have an account with another bank but I 'm planning to move where they have no branch of my current bank so I decided make a new account that is across the states. 

XXXX helped me to set up my account and he was really nice an did a great job on going through everything I needed to know which included depositing cash on ATM machine. 

The account I made had a condition where I do not have to pay any service fee if I maintain daily balance of {$5000.00}. I was planning to close my other bank account so I thought I might as well deposit more because I can. 

I withdrew {$10000.00} from a XXXX branch by XXXX, and I brought it back to the chase branch only to find out there are many people in line. So I decided to use the ATM machine right outside of the branch to deposit my {$10000.00}. Apparently, the ATM machine only accepts up to XXXX bills per transaction. The first {$5000.00} went in ok. However, during my second transaction, XXXX of the rubber band that was there to hold to bills was not removed all the way and then the machine displayed an error message and took my second {$5000.00} with it. It printed a receipt saying that the second transaction did not go through. Straight away, I told someone that looks like the manager and XXXX about this. XXXX told me that he will put a claim. 

Later at home I was really worried because I 'm still a XXXX working XXXX and {$5000.00} is a huge money for me. I called the bank customer service and they told me it is under investigation and they do n't know what will happen but that there is nothing I can do for now but wait. But then, I found several articles that there are several incidents that Chase ATM takes the money and customers not being able to claim their money back after investigation. That got me very worried and I decided to file this complaint. I understand that the rubber band slipped in there but it was an honest mistake and I did not mean any harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/2016, I was the victim of credit fraud. Thieves stole my personal information and opened a credit account with XXXX. XXXX cleared the information from my account but the hard inquiry still remains on Experian 's credit report. Also attached is the police report filed with my local XXXX XXXX Police Department.

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 2017-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
XXXX sold our mortgage to Nationstar. This happened in the middle of a house deal. I tried to get ahead of it by calling Nationstar, emailing, writing a letter requesting a payoff and using social media. The written letter was mailed XX/XX/XXXX. One very nice customer service person, XXXX even emailed within the company on XX/XX/XXXX to escalate producing the payoff letter.At first I was told to call back on XX/XX/XXXX when my account was in the system. Today via the support center ( XXXX ) I was told that our loan in not through processing and that we should be able to get the payoff XX/XX/XXXX. We were to close on XX/XX/XXXX so this delays the closing. 
This is unacceptable. According to the Dodd- Frank act this servicer must provide the resources and personnel to complete the transfer process. Today iis ourt transfer date and we can not obtain a payoff letter. Nationstar services our loan as today and as such mut provide the lender information they need

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
My dealership never went over what finance company had my loan. I knew what month payments were to begin and I figured I would for sure get some notification ( email, mail, customer service call etc ) and I never received anything. I had no idea at this point how I could ever find anything out since nobody has contacted me in any way! A collection agency called me and I made the prior and current month payment, they never informed me who my loan servicer was. So, process repeated itself, this time I did n't get a call so I decided I would call random banks and see if they had an active auto loan with them. When I called BMO Harris, they said yes. I explained my situation and frustration with the company and how that 's not a great start for a new customer to the business. I asked if this was going to impact my credit and the representative said yes because it was past 30 days. I then re-explained the situation and frustration and she said that if I could provide proof that I had the money in my accounts ( which I had ) at the time of payment being due that they could reverse the credit hit. She was going to see if we did n't have to even go through those steps of providing proof by checking with a manager and calling me back. She called me back and said that even providing proof she wo n't reverse it because my mailing address was correct. I explained I just recently bought the house I 'm in and I have n't received any mail from BMO and that I clearly had no idea who had my loan as I called multiple banks to find where my loan existed. They said they do n't send out emails and that the mail is the only documentation they send. I said I live in a townhouse and have a small mailbox within a pod of other mailboxes for everyone else on my block since they 're town homes as well. The representative would n't do anything for me. I have PERFECT payment history for all my auto loans and this is my fourth I 've ever had. I even said, let this conversation go on record! I now know who my loan servicer is and we have had a conversation about what I need to do going forward. Leaving that conversation feeling like the representative/company thought I was lying and actually an irresponsible person trying to take advantage of their business is sickening, disrespectful and unfair.

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 2017-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I filed for bankruptcy in 2016. The lawyers office notified all my creditors and the bank. My bank at the time was Bank of America. The bank allowed XXXX to retrieve the funds from my account during the bankruptcy and left my account in a negative state. The lawyer 's office faxed the bank over documents to show that nothing is to be paid until we go to bankruptcy court. The bank still allowed the transaction to go through and now I 'm left with a balance of over {$900.00} and a mark on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: NY

Complaint narrative:
I have repeatedly asked Key Bank to close an account. They never did. They claim they did yet they continue to transfer funds from the account to other accounts at the Bank and they honored an auto payment that I overlooked and did not re-directed to my new bank. If my account was closed as I instructed them, the transaction should have been rejected. 
They in fact claim they re-opened the account to make the payment from an account witch had no money in it. The payment caused the account to overdraw and then they charged me a fee. This has happened repeatedly despite my repeatedly asked them to stop this practice and close the account. They refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I do not have ANY LOANS WITH XXXX. 
yet Transunion keeps updating my credit report with the same inaccurate information. XXXX negative accounts I am NOT 120 days late on any loan through XXXX. Contacted them via phone and no record was found. Even through FEDERAL LOAN HISTORY WEBSITE. XXXX there is no current balance due or no past due balance.

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 2017-04-12 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 payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
A representative from XXXX XXXX, trespassed and defaced my property by adhering a credit card size sticker, on my storm door, stating my property had been deemed vacant/abandoned and to call with-in 3 day if it is not. I called immediately and explained to the XXXX representative on the phone that my property was not vacant/abandoned and to not trespass. Three days later there was an attempted break-in and my home was vandalized. The XXXX Ohio Police Department was called, report number XXXX was filed and XXXX XXXX was named as a suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
The mentioned debt was a result of a early termination fee ( {$440.00} ) imposed by XXXX XXXX as a result of an XXXX that was installed improperly, ultimately causing a poor signal. The poor quality is also documented in my contract with XXXX XXXX, however claiming that " the customer was ok '' with this quality. Also, my digital signature on the signed contract was illegally duplicated without my knowledge, which can be demonstrated by a erroneously stray mark. 
I contacted XXXX on XXXX/XXXX/XX/XX/XXXX to terminate my agreement based on false advertisement and improper installation however was told that I was responsible for the charge since I signed the contract. I then attempted to file a formal dispute with the office of the president of XXXX XXXX on XXXX/XXXX/XX/XX/XXXX however received no response or follow up. As a result, I filed a formal dispute through my credit union and XXXX of the charge, which ruled in my favor as of XXXX/XXXX/XX/XX/XXXX due to no representation provided by XXXX. 
I was later contacted numerous times by XXXX XXXX ( debt collector ) on behalf of XXXX to recover the mentioned charges. In my correspondence, I explained to the convergent Rep I was not responsible for the charge as it has already been disputed by XXXX and based on the fact that I was receiving poor quality. This charge was later reported to the XXXX major credit bureaus. 
As a result, I filed a dispute through XXXX, a authorized identity restoration services provided by the XXXX XXXX XXXX XXXX, to remove the charge from my credit report. After submitting the supporting documentation, all XXXX major credit bureaus removed the charge by XXXX. 
Later on XXXX/XXXX/XX/XX/XXXX, I received a separate notice from GC Services requesting payment for {$440.00} as a result of an unpaid balance from XXXX, This message also indicates the charge may include equipment fees, despite being told by XXXX that the equipment should be discarded after installation as XXXX will not accept returned equipment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Here is the letter i sent it to the bank through a lawyer : VIA FACSIMILE AND U.S. MAIL Fax No. : XXXX Capital One Attn. : Card Dispute Team XXXX. XXXX XXXX XXXX. XXXX, MN XXXX Re : XXXX XXXX Transactions Reversal Demand Bank Account No. : XXXX Our File No. : XXXX To Whom It May Concern : Please be advised that we have consulted with XXXX XXXX XXXX regarding his claim on the above referenced account. 

XXXX XXXX has informed us that he received a summary denial from your representative on the disputed transactions listed below. Those transactions were not XXXX XXXX 's as his card was compromised. XXXX XXXX has authorized this law firm to demand that your entity follow the appropriate MasterCard and FDIC guidelines in investigating these disputed transactions. More importantly, XXXX XXXX demands for immediate retroactive credits for these charges. 

XX/XX/2016 - {$37.00} - XXXX XX/XX/2016 - {$190.00} - XXXX XXXX XXXX XX/XX/2016 - {$20.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX - {$79.00} - XXXX XXXX XXXX XX/XX/2016 - {$20.00} - XXXX XXXX XX/XX/2016 - {$43.00} - XXXX XX/XX/2016 - {$260.00} - XXXX XXXX XXXX XX/XX/2016 - {$100.00} - XXXX XXXX XXXX Unless you dispute the validity of this claim or any portion thereof within ten ( 10 ) days after receiving this notice, the claim will be assumed valid. 
Please be further advised that if your obligation remains in default, without a dispute, further legal action may be taken against you that could result in a judgment, which may include attorney fees and other litigation costs. 

Please notify the undersigned in writing if you so dispute this claim. Otherwise, demand is hereby made that you immediately issue the credit as detailed above. 

Your anticipated cooperation is appreciated. 

Very truly yours, XXXX XXXX XXXX By XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have contacted Transunion on four different occasions in regards to accounts being reported on my credit file. The accounts are XXXX {$1700.00}, After properly disputing this account four times i received a letter from transunion stating that i needed to contact the collection company, and that the account had been verified and will stay on my credit report. I have contacted the collection company and they responded with a letter stating that they have already verified these accounts and sent a billing statement. I have NEVER received any verification from this company and i sent Transunion the letter i received. Transunion still refuses to remove this account from my file even after getting proof that the account can not be verified.As per the FCRA verification of accounts must include contract or original signature, in which this company XXXX has not provided either one. Billing summaries ARE NOT considered to be valid verification of accounts. Transunion has not sent me information in regards to how they have verified this account and this is against the FCRA. I have the right to request information that is being reported in my credit file, and the right to receive documentation on how these accounts were verified. Neither documentation has been sent to me and that is a violation. FCRA 611:6b Notice of reinvestigations states that i SHOULD receive a notice of investigation, and that a description of the procedure used to determine the accuracy and completeness of the information shall be provided to me. I have not received any of this information which leads to me to believe that Transunion is willfully withholding information in my credit file from me. This is my last and final attempt to resolve these issues before i contact the FTC and Attorney General 's office. I have been completly ignored by this company and my disputes has gone unverified.

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 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Source Receivables Management LLC
State: ID

Complaint narrative:
XXXX the cell phone company is attempting to collect {$210.00} from me and has forwarded on their fraudulent claim to collections agencies. I asked for copy of a signed contract that bears my name on this alleged and FRAUDULENT account. Neither XXXX nor their collection agency XXXX were able to provide me with a copy. BECAUSE THEY ARE FRAUDSTERS! After failing to provide me with a signed contract XXXX sold off this fraudulent claim to a Source Receivables Management company. Who is also now attempting to collect on this fraudulent debt.

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 monetary relief
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: National Asset Direct, Inc.
State: AZ

Complaint narrative:
Summary : iServe locked a rate for us and when interest rates went up they would not honor the 3.875 % locked rate. 
We worked for months with iserve to obtain a refinance on our home. We were not taking money out. In fact, we were putting money in and financing less that the previous loan, which had a balloon payment due XX/XX/XXXX. We started the process in XX/XX/XXXX. We started working with XXXX a " Senior Loan Officer ''. He had some sort of falling out with iserve, and we were restarted in XX/XX/XXXX with a new office and only had contact from a loan assistant, XXXX, for the first 2 months. They claimed they did not have any of the documents I had submitted to XXXX, and the whole process was started again. Despite how slow things were going, at least XXXX would return phone calls and emails when I asked for updates on the process. XXXX also had a problem and left iserve, at which time XXXX, a " Branch Manager '' took over communicating with me. It took until XX/XX/XXXX for them to make any progress, and we finally locked our rate at 3.875 % on XX/XX/XXXX. We were flexible all along with the loan amount. We started out asking for the complete amount owed, about {$250000.00}, but later were told we could qualify for a {$200000.00} loan and we would bring approximately {$50000.00} to the close. They knew I had other available funds and was flexible on how much I could bring to the close. All along I left multiple phone messages and email requests for updates from XXXX. She would go silent on us for weeks on end. She said she had ongoing family problems. Our problem was that everything was moving so slowly, and after the rate was locked I could not get in touch with her for information on the planned late XX/XX/XXXX close. She finally told me by phone that this loan would n't work. I asked if we could qualify for a lower amount. She said she would check on that and get back to me. I was never able to make any contact with her again, not by cell phone, office phone ( no one would answer the office line ), not by text message or email. Interest rates had a big bump up after the early XX/XX/XXXX presidential election and we believe that iServe did not want to honor the rate lock and so refused any contact with us. We had to start the process again with another company. I started the process with the new company in mid XX/XX/XXXX and we closed on our loan with on XX/XX/XXXX at an interest rate of 4.25 %

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently got denied credit from mcu bank for a personal loan and also for a credit card from XXXX for.XXXX, i believe someone is using my personal information and applying for businesses and credit cards from states i have never lived in or even visited, the only states i ever been to is XXXX, XXXX, XXXX and XXXX nowhere else, i dont even have family in other states just 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 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have several ( XXXX ) inquiries on my account that are unauthorized and the credit bureaus will not delete inquiries

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