vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I received a letter in the mail in  XX/XX/XXXX . It stated I was one of the lucky winners selected by VISA, MASTERCARD, and   XXXX   XXXX  . My share of the winnings would be 3,500,000.00. It asked me to contact my agent   XXXX   XXXX   XXXX   at  XXXX  for my method of payment, Once I contacted the agent he would advise me how to claim my winnings. When I talked to him he said take {$10000.00} on my credit card with my checking account at Bank of America. I told him I had to pay {$140.00} which he said forget that and to go to the   XXXX   XXXX   and buy laptops with the number  XXXX /  XXXX   XXXX   XXXX  r,   XXXX   XXXX  .
<P/>
He told me that the IRS would be sending me papers for tax purposes but I never did receive any. He called me on Saturday and said I would get my money by Monday. I never got the money and he said he would call and never did. He put wire money on  XX/XX/XXXX  for {$9900.00} and on 09/09/16 for {$9900.00} and on XX/XX/XXXX for {$9900.00}. On  XX/XX/XXXX  all three amounts bounced and returned unpaid according to Bank of America.
<P/>
I have a Lawyer at LegalShield and his name is   XXXX   XXXX   Phone #   XXXX  .
<P/>
I have to pay back {$30000.00} and I am making {$530.00} a month payments which I ca n't afford. I feel they should have gone after the person who did this to me. Also it seems I should have been coverd by fraud insurance through Bank of America. I did not realized at the time I was being scammed and the Bank of slow at letting me know a month and a half later. My   XXXX   XXXX   Credit Card was closed and checking account closed at the bank and I started a new Checking Account with Bank of America.
I feel I was ripped off all the way around by the Bank as well as credit card companies and everyone was slow at keeping me informed. I would call the bank and go over things but I do n't believe I should owe {$30000.00}. I am retired and on a fixed income and if I can not afford to pay all this may have to declare Bankruptcy.

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 2017-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
The following is a summary of actions between me and WINN LAW GROUP , APC.     After agreeing to pay the amount under condition that plaintiff and attorney for plaintiff show proof of debt, the agency in question did not yield or attempt to provide evidence supporting their claim. It is my belief that my private information was obtained illegally, therefore I contacted my local law enforcement agency to file a report for Theft of Identity under State of Califor nia Penal Code ; 530.5.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
The CFPB needs to take action on this illegal activity that Citi Mortgage did and continues to do to consumers. Attached you will find the original DOT that was recorded in XXXX XXXX Public Records in XXXX XXXX, XXXX. You will see that the original Lender is XXXX XXXX XXXX. Also attached is a DOT dated XXXX XXXX, XXXX. This DOT purported to transfer this mortgage to Citi Mortgage. Here in lies the problem. XXXX XXXX XXXX went bankrupt in XXXX. Although XXXX is purported to be a nominee for XXXX XXXX, this is far from the truth. There is current law which clearly stated that XXXX can not be a Nominee for a defunct organization. This is highly illegal and I will continue to fight this with an attorney until something is done about it. Attached is also the XXXX XXXX XXXX Dissolution which clearly shows that they were dissolved in XXXX. This is the biggest kicker of all. XXXX XXXX XXXX was never licensed to conduct business in the state of Maryland, which voids any mortgage contracts that they initiated in the State of Maryland. It is evident that these actions are highly illegal and the CFPB needs to take some action regarding this.

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 2017-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
I already issued a complaint. The case # was  XXXX . You did n't do anything to help resolve this as the lender 's response did not address the issues. I am issuing another complaint hoping this time you do something about it. All you did was forward my comp laint to Ditech. How inefficient is that. What did you do to understand the problem and identify the resolution? Absolutely nothing. Maybe this time you can get it right.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
#  XXXX  was closed prematurely. The bank has declined to provide how the interest was calculated. Rate sheet stated .15 % a t 90-days. Deposit m ade  XXXX / XXXX / 16  for {$91000.00}. Here is my email after the call.    ***To :   XXXX  XXXX  XXXX  Cc :  XXXX   XXXX   XXXX   XXXX  at  XXXX     XXXX    XXXX  , Thank you for your call today.   Here is my take-away.   You acknowledged tha t the Wells Fargo rat e sheet states .15 %.   The rate sheet that stated .15 % was meant to say .0015 %.   There is no way to explain the calculation of the interest as it is system generated.   There will be no adjustment to my account.   This is not satisfactory.   Regarding .0015 %,  XXXX  X  XXXX  =  XXXX   Interest  paid  XXXX .   The bank 's calculation is flawed.   It is unlikely that if I misplace a decimal or   two when dealing with a Wells Fargo  debt, it would be brushed off as just an error, I 'm sorry for the misunderstanding.
I will allow a bit more time to see what Wells Fargo wil  l do next.     **I provided the rate sheet to  XXXX   XXXX  and still no follow-up. I am guessing this is not an isolated incident.

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 2017-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TN

Complaint narrative:
At the request of a horse owner, I called the  XXXX  out to a barn where I was assisting. I signed a form confirming that services were performed for the owner 's horse. I have never had an account with this provider, but the horse owner did. I have asked numerous times for them to show some proof that I am responsible for this debt, and never get a response. Obviously because I have never signed a contract with them or had an account with them. I want this removed from my credit report as it is not, nor has it ever been my responsibility. I did not own the horse, and was simply doing a favor for the owner. I can not get any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05 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: CA

Complaint narrative:
BofA refuses to provide the Photo Security service advertised on its website XX/XX/XXXXI went into a few branches in XXXX XXXX ( CA ) to add a photo security feature for my debit card ( see service description and their instructions to get the service below ). Was told they " did n't have a camera ''. In fact, they do n't even know which branch does have a camera. Was told to contact customer service by phone. Called them XX/XX/XXXX. Ref # XXXX. Was told they would " buy a camera '' and get back to me in 1 business day. One week later no one did. <P/>See the service description from BofA below : https : //www.bankofamerica.com/privacy/accounts-cards/credit-debit-card-security.goPhoto Security ( r ) Your picture on your debit card helps protect you from fraudulent use if your card is lost or stolen. Plus, you may be able to use your Photo Security ( r ) card as an additional form of ID. The Photo Security feature is available on most Bank of America debit cards. The Photo Security feature is not available on ATM cards, small business employee debit cards or small business deposit only cards. Adding a photo to a new or existing Bank of America card is easy : Stop by a banking center. We can take your photo in just a few minutes and you 'll receive your new card in 5-7 business days ( a debit card replacement fee may apply ). Continue to use your existing card until your new Photo Security card arrives. We 'll keep your photo on file so it automatically appears on your card when it 's re-issued.

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 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a business credit card from   XXXX   and they used to report it to my personal profile, however, after I disputed it  XXXX  and   XXXX    removed it based on it being a business account however, Equifax still did n't delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NV

Complaint narrative:
A company named ERC is harassing me about a debt which I do not owe and never have owed to  XXXX   XXXX   XXXX . This amount was billed to me by mistake man many years ago and I just keep getting annoying and false statements asking me to pay and that I owe this. But I had disputed and won this sum against  XXXX   XXXX   XXXX  while I still had an account with them. Whatever this company ERC are still harassing me about is false information and not any amount which I owe. I do not owe this and it was a mistake and now they are reporting to all  XXXX  of my credit reports that I am in collection and they keep calling my house after late times and wanting to speak to me, this is crazy and I do n't understand why and where they have obtained my information and social security number. Can someone here help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
Today, I received an income execution from the XXXX County Sheriffs Department datedXX/XX/XXXX,  indicating that my wages are going to be garnished for an original debt amount of : XXXX due to XXXX XXXX XXXX with an original judgement date of : XX/XX/XXXX. <P/>It also added an additional {$5600.00} for interest, {$620.00} for XXXX, {$40.00} 1rst stage and $ {$30.00} for 2nd stage, for a total due of : {$13000.00} payable to XXXX XXXX XXXX XXXX. Not only am I unaware of what this debt is for, I do not recall being served a summons to court over 9 years ago! In addition, the interest on this debt seems exorbitant and unjustified. This item does not appear on my credit report, nor do I feel that I owe this, being that it has exceeded the 7 year collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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:
Addresses listed on my credit report are not mine. Only the  XXXX , IL address is mine. I have never lived at the other  XXXX  addresses and need them removed.

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 2017-06-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
On  XXXX / XXXX / 17 , I spoke with a representative claiming to be a representative with  Navient Department of Education loan. I found their number through the   XXXX   search engine. The number actually called is a different one listed on the main search engine page. Once it was called, it switched to a new number. The representative asked if I was aware that FASA req uired an updated account with a new number. She said her name was  XXXX  and she would need my updated email address, social number, and annual as well as monthly income in order to speak with me about my loans. She made me read off  XXXX  confirmation codes received via email. She then held  a 15 m inute conversation with me concerning the reason I had been approved for loan forgiveness and requested a {$600.00} payment in order to freeze my current loans. I denied this option, and she asked if she could call me back in one week at  XXXX . I told her no, I was not interested and hung up the phone. She put me on multiple holds and has continued calling me from multiple numbers claiming to be part of the  XXXX   XXXX   XXXX . A few of the numbers are  XXXX  ( based in  XXXX   XXXX , fl ),  XXXX . I contacted  XXXX  to reset my password & username along with new security questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
chase card  XXXX   reported a joint card I had with my mother ( deceased ) as a charge off, I was making payments to   XXXX  Cha  se  then they turned over the account to a company called  XXXX   (  collection agency ) even though I was making the payment for my deceased mother, I continued to make payments to  XXXX  until I saw that   XXXX  Chase  charged off {$2200.00}, the balance due now is {$710.00} that I will payoff when they remove the charge off from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
XXXX ,  XXXX ,  XXXX ,   XXXX  , none just now looking at my credit report I had identity theft someone been using my social

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
After successfully using the  PAYPAL  website for many years, I recently had a very disappointing experience due to  2  claims filed by a vendor that i provided services for.  <P/>  XXXX   XXXX   XXXX  first filed a Non-receipt claim on  X/XX/17    (  XXXX  ) the claim was decided in my favor.  ( See  exhibi t 9 )  He then filed a fraudulent chargeback for the same payment on  X/X/17    (  XXXX  ) and Paypal, even though the first claim was decided in my favor and i submitted documentation proving my services were proprerly rendered, took the money back leaving my account in the red.  <P/> The language on  Paypal  's website misleads people into thinking they have more protection than they do. The language about protecting against fraud and fraudulent buyers is overly broad, when in fact the actual protection against fraud is very narrow. Not only are there misleading terms of non-existent protection, there is negligent omission of the frequent losses Paypal seller 's incur when fraudulent " quality of merchandise '' and fraudulent chargeback 's are enacted.  <P/>  Paypal  has a legal obligation to make it clear that : a. ) Chargebacks are common.   b. ) Seller is out of luck and stands to lose almost unlimited amounts of money and goods and that Paypal offers no protection whatsoever from this.  <P/><P/> I ONLY agreed to receive payment for services through  Paypal  because i had a REASONABLE EXPECTATION ( based upon Paypal 's terms of service and other language on the website ) that i was going to indefinitely keep the money Paypal sent me. If one does not have an expectation to indefinitely keep Paypal monetary transmissions, there would be no reason to receive payments based on this. If Paypal funds are not mine to keep permanently, but are in fact merely loans,  Paypal  should make this VERY CLEAR in conspicuous places.  Paypal  should inform that funds dispersed to sellers based on credit cards, are potentially temporary loans, frequently subject to retraction, based upon the whims of the credit card holder. Paypal should warn the Seller, that it is a frequent occurrence that Sellers send goods, receive payment, but then have to forfeit the same payment amount, back to Paypal, and as frequently happens, lose their money and goods.  <P/>  Paypal  says they protect against fraudulent buyers, and against fraud, but a fraudulent chargeback is fraud, and you offer no protection at all.   This is a clear case of  " Det  rimental Reliance ''  since i relied on Paypal 's misleading statements and contractual relationship to my detriment. I had a reasonable expectation to keep the money  Paypal  gave me when i rendered services to a customer, but Paypal unduly allowed for those funds to be taken back, with no regard to the possible fraudulent nature of chargeback claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
The following is a summary of actions between me and  XXXX   XXXX   XXXX   XXXX   XXXX .     After agreeing to pay the amount under condition that plaintiff and attorney for plaintiff show proof of debt, the agency in question did not yield or attempt to provide evidence supporting their claim. It is my belief that my private information was obtained illegally, therefore I contacted my local law enforcement agency to file a report for Theft of Identity under State of Californi a Penal Code ; 530.5.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
We had a second mortgage that was supposed to be paid to XXXX XXXX, n/k/a Select Portfolio Servicing ( SPS ) on XX/XX/XXXX.. SPS has records of transactions recorded after loan was paid by us on XX/XX/XXXX, and received by SPS on that date. However, the payoff as received by SPS was recorded as a different dollar amount than by us, and received on XX/XX/XXXX - a day late than the check was stamped received, and with transactions and fees occurring on the account for nearly two years after our XX/XX/XXXX payoff. SPS claims payoff was not received until XX/XX/XXXX. That is incorrect, as the payoff check is stamped as received by SPS ( f//k/a ) as XXXX onXX/XX/XXXX-- the date required for payoff, by payoff quote, to be received by. Further, transactions occurred after that date - including Broker Price Opinions, Foreclosure related fees, and forced placed insurance. We have requested from SPS that they  provide the name of the party that " paid out '' on the loan - prior to receipt of our payoff, received by them, on XX/XX/XXXX SPS has refused to identify the name of the entity or insurance company that " paid out '' on the loan, and by which our payment was diverted, not recorded as paid by us, and with fees accumulating on the account. Further, no accurate/valid discharge was ever recorded in our County Registrar 's office. All SPS can tell us is that someone paid out on the loan, and will not tell us who. We have no idea where the money went, and we request a full investigation, and accounting, as required under Dodd Frank new law - including changes to RESPA. SPS recorded an assignment and discharge in XX/XX/XXXX, in our County -- on behalf of XXXX XXXX XXXX XXXX, as trustee to a trust. - XXXX XXXX XXXX XXXX has no record of us or the loan. No Power of Attorney is recorded in our County -- our state requires an original Power of Attorney to be recorded. Thus, SPS is still acting as servicer, and we have requested numerous times as to the accounting of the records, and the reason why SPS still has records in possession, by which they filed a VOID assignment and discharge in our County Registrar 's office as recent asXX/XX/XXXXWe request an immediate accounting and response, under RESPA, and believe SPS will comply with the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I ca n't afford the monthly payments

Company response to consumer: Closed with explanation