vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
I have filed for a modification with Fay Servicing. They denied saying my investor only allows one modification-but they will not give me a copy of investors rules. They also said i dont make enough for a repayment which is incorrect. I am 80 days behind and I told them I could pay 2 months on XX/XX/XXXX and 2 months on XX/XX/XXXX. You would think they could work with us and in the meantime on XX/XX/XXXX they took one payment and every month i have paid one payment until I figured this out. I have consistently showed an effort. The only thing they offered is a deed-in-lieu which i am denying because I can get caught up. I appealed the deed in lieu and nothing changed. and my last resort will be bankruptcy.This is a terrible servicer and if I file bankruptcy, they will wait 5 years for the money. This makes no sense. I

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX sent me a letter on

XX/XX/2018 that states they will continue to damage my credit score and they may have the ability to sue me for the debt from XXXX XXXX if I attempt to pay or resolve the debt in various forms. The alleged debt total is for {$1700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mobiloans, LLC
State: FL

Complaint narrative:
XX/XX/2018 I paid off my car loan. On XX/XX/XXXX, I created an account with XXXX XXXX to verify that it was showing paid in full. At that time I discovered that I had 3 accounts that I was unaware of on my credit report. Those accounts were : XXXX XXXX XXXX account # XXXX, XXXX XXXX # XXXX and Mobiloans # XXXX. Unfortunately, I havent checked on my credit in Years. At that time I contacted an Attorney via my XXXX XXXX to discuss the matter.

He instructed me to report this to the Federal Trade Commission which is Federal Law Enforcement, to request my credit reports via the credit bureaus and to file a complaint with the CFPB. I made the Identity theft report via FTC and the report # is XXXX. In addition, I received my XXXX report in the mail yesterday.

I am very confused as my credit report is showing that the above mentioned accounts were opened over a Year ago and in 2 of the cases it appears that payments were made at some point. I have never applied for a XXXX XXXX, or XXXX XXXX nor given anyone permission to apply for one on my behalf. I was an authorized user previously. I have never applied for a loan with Mobiloans. I have not had a need for a loan in that I make a very comfortable salary and have limited debt.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have always paid my mortgage on time but was asking for a fixed rate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc.
State: PA

Complaint narrative:
Vital recovery services has called and texted me multiple times per day including early mornings on weekends. Service rep refuses to describe what debt is owed and in what amount. I check my credit reports regularly and I have no outstanding debts and am not in collections status with any financial service or vendor. These attempts to collect a debt are fraudulent and meet the legal definition of harassment in addition to violating several statutes of the consumer protection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Opened a dispute XXXX at which Citicards provided me a conditional credit and sent the Vendor a letter seeking more information. The Vendor sent a copy of the contact which CLEARLY states the contract date, cancellation policy but citicard 's policy is to reverse the credit pending investigation. I sent them the contract and letters from the vendor agreeing to the credit and called many many many times but they keep telling me there is no way to talk to an investigator and someone will call me back. The Vendor is  refusing to refund the money because there is an existing dispute with the bank. Now, I can't get a credit from the vendor or credit card company. 

I signed a contract for solar installation with XXXX XXXX on Thur. XX/XX/XXXX, the contract clearly indicates that there are 3 days right of cancellation. I left a message to the sales person ( XXXX XXXX ) on the Monday XXXX XXXX requesting that we cancel the existing contract. After not hearing back from the XXXX, I sent him an email CCing account and also sent a registered mail officially requesting cancellation : XXXX XXXX XXXX XXXX. On Wed. XX/XX/XXXX I contacted my Credit Card company requesting a refund followed by at least 20 phone calls, but keep getting the run-around. The cancellation is  clearly within the 3 day XXXX XXXX consumer Rights protection stating : ( 4 ), you have 3 business days from the time you sign your contract to cancel any contract if the sale is made at your home. The contractor can not deprive you of this right by initiating work, selling your contract to a lender, or any other tactic. 

I have been waiting for my refund since and the vendor is not very keen on refunding my deposit. I kindly request the refund of my deposit.

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 2019-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MD

Complaint narrative:
I ordered a copy of my credit report and noticed this company trying to collect on a membership that was canceled. I signed up for a gym membership and realized that I could not afford to continue to pay for something that was not in use. I called up the gym and let them know that I was no longer interested and did not expect to have a problem since I was not under contract. The woman I spoke with told me to come in and cancel and bring a letter stating the reason and I did that. I only visited the gym 2 times during the first month of sign up. This is an unfair and deceptive practice. They can search their records to corroborate information. I will NEVER us XXXX XXXX XXXX again because of this and I plan to advertise my experience. Lastly, I am not sure what information was used to even have them be able to add a debt not owed to my credit file.

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 2019-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: DISCOVER BANK
State: NY

Complaint narrative:
My complaint is now against YOU, the CFPB. 
You are a farce. 

I filed a complaint, the bank responded, and you promptly closed the case, simply because they responded. 
Their response was not helpful, made no attempt to pay me back, did not settle the issue at all, but you guys closed the case. 

You are completely useless. 
You are likely in bed with the defendants ( the bank ). 

Shame on you for not doing your jobs and advocating for the banks instead of the clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TMAGNUSONE Inc
State: TX

Complaint narrative:
I signed up for a loan forgiveness program with a company named XXXX but somehow XXXX got my information and pretended to be working along side XXXX to keep my student loans in good standing but I found out that this was not true. XXXX serviced my loans all this time for free. The company XXXX   XXXX has been taking XXXX out of my account since XX/XX/2017 and they charged a 1 time setup fee of {$490.00}. They lied the whole time and I never authorized the payments of XXXX a month. When I called to confront them they only agreed to reimburse 3 months of monthly payments even though they admitted that I did not sign a authorization. Since the committed fraud I would like all my money back. The total left is {$1200.00}.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Case # XXXX-XXXX  was closed but not solved. 

In Associated Banks response they admitted that their employee did not stop/opt out of their overdraft protection service as I requested back in XXXX to which resulted in my account to be allowed to go negative twice for {$2000.00} each to which I had to borrow the money to cover it. 

They did refund the overdraft fees but should be partially responsible for the money allowed to go negative. 

Thanks for your cooperation. 

P.S. 
I do not want calls from them since I received harassing calls on the first complaint from them. 

All correspondence will go through this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT

Complaint narrative:
At the end of XX/XX/XXXX, XXXX XXXX transferred my mortgage to Bayview as my new mortgage servicer. On XX/XX/XXXX I received a Transfer of Service Notice from Bayview. 

I missed the XX/XX/XXXX mortgage payment and made a payment arrangement with XXXX to pay {$2400.00} per month from XX/XX/XXXX through XX/XX/XXXX. Please see attached XX/XX/XXXX letter from XXXX. It is my understanding that the payment arrangement that I made with XXXX would follow over to Bayview. I sent a copy of this letter to Bayview on XX/XX/XXXX. 

I have been paying a month behind because I only get paid once monthly at my job. By the month of XXXX I should be able to start paying within the month. For instance on XX/XX/XXXX I paid for the month of XXXX in the amount of {$2500.00}. I get paid next on XX/XX/XXXX and will pay the amount of {$2500.00}, which should be my last payment of {$2400.00}. I have notified Bayview of this.

Every statement I have received from Bayview has a different amount. I have called Bayview several times trying to straighten out my loan. Every person at Bayview that I spoke to has told me a different amount that we owe and a different story. Yesterday I received a notice on my house door to call Bayview.

I spoke to Bayview today and the woman I spoke to said that the payment arrangement was broken. I was never told that. Where is all the extra money I have been paying going to?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I am a military member in the XXXX XXXX. My military benefits include {$50000.00} of student loan repayment. I have GATE loans with AES/PHEAA as the servicing agency and XXXX XXXX XXXX XXXX XXXX as the lender. The XXXX paid {$5200.00} towards my Gate loans in XX/XX/XXXX and {$5300.00} in XX/XX/XXXX. These payments go towards principal. I still have four more years of those payments plus one additional year of partial payment of approximately {$2500.00}. 

I have been trying unsuccessfully to change my payment terms to interest only where there is a monthly interest payment. I WILL PAY THE INTEREST MONTHLY. Then once a year in the fall ( FOR 5 MORE YEARS ), the XXXX will make their government principal payment towards my loans. 

The reason for this is so that I do not have to pay back money that the XXXX will be paying on my behalf. AES has stated that XXXX XXXX XXXX XXXX XXXX have been non-responsive and/or will not grant my request. I have faxed them two different letters and have spoken on the phone countless times. I am an XXXX Veteran who has earned these military benefits. The fact that these companies will not work with me to allow me to use the benefits is unacceptable. By changing my loan to interest only, the lender has the best chance of getting their money. 

I have attached proof from the last two years of the government payment. I also have attached my contract for Student Loan Repayment Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
To whom it may concern, I am XXXX XXXX and typing this on behalf of the deception and immorality of Navient. I was the first to go to college and they mislead me into taking a loan out that could not be consolidated in the federal loan forgiveness program intentionally. I have over one hundred thousand dollars in debt and it is unfair and disgraceful that I was misguided and still being penalized for their manipulation. This company has already been sued in multiple other states and I would like my loans also forgiven or at least consolidated with the rest of my loans. It is absurd that going to college has turned into a debt collecting punishment. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2019 I was attempting to login to my accounts and discovered both my business and personal accounts were locked out. I contacted the customer service number and was transferred to the account closure team who informed me that Bank Of America decided today that they would be ending the business relationship with me for no reason. 

I asked about the funds in my personal account and was told that they would not be releasing my funds to me. I want to make sure that my funds from my personal checking account are released immediately and I am paid interest for the days that I don't have my funds. 

Further legal action will take place if needed.

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 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have Disputed this Negative XXXX XXXX account # XXXX   Six times with TransUnion. TransUnion Did Not do a proper investigation on the item I disputed. THIS IS NOT MY ITEM! THIS IS NOT MY ITEM! I Am Demanding a Copy of the Original Signed Contract and a Proper and Internal Investigation get done. ( Per FCRA just because TransUnion have the name and date of birth Doesn't MEAN IT'S MY ITEM ) I AM DEMANDING A COPY OF THE WRITTEN SIGN CONTRACT WITH MY SIGNATURE ON IT. If TransUnion would have did a Proper Investigation this would Not be on my Credit Report. I Have submitted a complaint with the attorney general also! Please remove this Negative account thanks.

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 2019-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PAYPAL Purchase : # XXXX Date : XX/XX/2019 SELLER : XXXX XXXX XXXX XXXX Requesting refund because the seller is defrauding people is the first problem and the second problem is getting through to Paypal. 

Everytime I call Paypal the phone just rings for a minute then hangs up. Something for their online chat. They chat for a minute then it drops. I tried to file online but since the transaction went through paypal on the sellers end it does not show up in my account. I had problems with signing into Paypal. 

They need to know that these people are defrauding others. 

I purchase a course for XXXX XXXX XXXX XXXX from XXXX XXXX of XXXX XXXX  XXXX XXXX. To get the course you had to purchase their materials at {$490.00}. 

They send you a complementary certification to attend with the materials. Now I am being told that I must pay for the 2-day event. Its a very clever scam that they are doing as you will see from the attached documents I am demanding a full refund. I am not paying more then what the purchased price. I also feel misled and feel that the trust has been broken. I have attached everything needed to review. 

XXXX XXXX is not responding to my emails They have an obligation to me since I purchase their product. I am attaching screen shots of the issue with this report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I contacted Hunter Warfield and advised them that I am unaware why they are reporting on my credit file. I was advised that I am being charged for accelerated rent for XX/XX/2014. I advised them that I need them to send proof of why they are trying to collect wrongfully unauthorized charges. They sent me a copy of a lease that was completely falsified. I called them back and told them I never seen that lease and the dates of the lease are incorrect and the charges in the ledger are not accurate. I previously had a dispute with that creditor many years ago for wrongfully reporting made up charges which resulted in deletion off rental history. They advised that they will not remove the reporting unless it is verified inaccurate by leasing company. I asked what if they stand by their false charges and no one had anything to say. I pleaded with them to remove reporting until this is resolved as this is the only negative thing on my credit and it is hurting me drastically and unfair to have a reporting that is not true reporting on my credit. They refused to remove reporting. I think it this is very unfair. They have not verified the legality of this charges so why are they reporting a collection account on my account? I never even lived at that place during those dates. These charges are fraudulent.

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 2019-01-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BANK OF THE WEST
State: SD

Complaint narrative:
My father and his XXXX children ( I am one of them ) needed to remove his name/cash in 4 CD 's. The process of cashing in these CD 's at  this location was long with no cooperation what so ever by the bank president or staff. The only alternative allowed us was to cash in CD 's outhside of the 10 day grace period therefore subject to penalties. These CD 's had been in this location for 28/29 years. The penalties charged were 3 % of face value on 3 CD 's with 12 month renewal and 1 % of face value on 1 CD with a 6 month renewal PLUS a {$25.00} per CD fee. The fees taken ranged from {$100.00} to {$670.00}. Also, the rate of interest receiving on these CD 's ranged from .08 % to .15 % which in our views should/is their current rate of interest since they were auto renews. Our calculations show that of the 28 years these CD 's were invested in this bank - their penalty fees took 19-20 years of interest away from the CD holders. This is outrageous. We currently worked with 4 banks and this bank was the only one that very obviously screwed its customers with their outrageous penalty fees and lack of customer service. Keeping in mind this bank was using these funds for 28/29 years at a much higher interest rate than .15 % and they now are taking away 20 years of interest income at a ridiculously low interest rate.

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 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems
State: IN

Complaint narrative:
Noticed a collection account from a Midwest Recovery Systems that first appeared on my credit report in XX/XX/2018 for {$480.00} I sent two certified letters demanding debt validation with return receipt. First one dated XX/XX/2018, the second XXXX XX/XX/2018. No response was received from either letter. ( Copies attached ) This account is not mine and I dispute as was outlined in the letters I sent. 

I want this information removed from my XXXX  and XXXX  credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank Notified of overdraft, transferred money from savings account to cover insufficient balance and was charged 3 separate over draft fees anyway. Only one was reversed. Refused to reverse the other two based on " cut off time that only applies to overdraft fees '' When the transfer was made it showed the balance positive immediately but then was showed as " pending '' in order to charge overdraft fees.

Accounts Manager XXXX and XXXX XXXX were the phone operators for the call. 

This is the same thing that other banks have been prosecuted for. Approximately 67 % of total revenue for banks come from predatory practices and Chase is the only bank left that hasn't been sued yet.

Company response to consumer: Closed with monetary relief