vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Americor Funding, LLC
State: NC

Complaint narrative:
Disclaimer : This did not result in an actual loan, but this company 's practices could harm many people looking for some financial relief. 
We received an offer in the mail from Fast Loans Funding, advertising a personal line of credit totaling {$30000.00}. that would reduce our monthly payments from {$620.00}. to {$150.00}, and there would be no interest and no payments for 12 months. " Simply call ... and receive your line of credit in just a few weeks that you can use to pay off your high interest credit cards. '' The communication included the XXXX  logo and touted that they had an A+ rating. The offer said that we qualified for a consolidation loan of {$20000.00} with an added {$10000.00}. Our average interest rate would be 3.99 %, and our minimum monthly payment would be {$150.00}. So we started the process giving them all the info required for a loan application. XXXX XXXX, a customer service rep. Called us several days later to say we were approved. Next, they wanted to walk us through the plan. They said a secured trust fund would be established for us and we should pay {$550.00}. per month into that account for 12 months, and that we did not need to pay our other bills. Where's my {$550.00} a month going? They were actually telling us that by not paying our bills, the collection agencies would be willing to offer a much lower pay-off. I could not believe they were advising people to do this, and I'm sure many people fell for it. I told the rep ( XXXX XXXX (@XXXX ) " No! Where are you going to be when they come to foreclose on my house. This is not only false advertising ; ( that could have devastating outcomes for anyone who accepted the deal ), but it was also the bait and switch game. My worry is for all the people who are struggling, desperate for a solution to their money problems. Where is truth in advertising. I also worry because they now have all our personal info ( SS #, DOB, Income, Loans and Credit Cards ). I hope this will be investigated. I have already gone to the XXXX, but the company response was more lies. I do have the mailer, if it would be helpful. Many thanks for looking into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNTRUST BANKS, INC.
State: PA

Complaint narrative:
This company Suntrust bank who I owe money on a loan ( but is being negotiated with a debt settlement company ) called my job and my manager answered. I believe that this is illegal and will put my employment in jeopardy.

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 2018-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
company refuses to close my account and charges me fees keeping it open.

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 2018-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
Me and my wife both making the same household income requested credit from American express. We both filled out applications the same date for the same card. I'm denied, she was approved. I feel its discriminating here is why. She is XXXX & I'm American, she has no credit established & I have no credit established. I have a calculated risk score that is being used against me & she does not have any such score to be used against her. In all aspects of this we have the exact same credentials. Mine is on document in the U.S. and hers is not. The reality of this is that U.S. citizens are being discriminated on by our social security numbers and the 3 credit  minitoring agencies. XXXX are not applicable for this to be used against them. This is plainly discrimination. 

XXXX-no credit established= accepted American-no credit established = denied In my opinion its controled by our government to keep the poor from escaping financial ruins. If this is not racist, prejudice, then its for sure discrimination!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
American Express just sent notice about charging {$0.00} any time you input the wrong pin into an ATM, this is insane, please address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: NC

Complaint narrative:
on XX/XX/2018 Merchant XXXX XXXX XXXX College charged me {$60.00}. This is a billing dispute as this amount was paid in cash. The transaction was initially processed via credit card in person up until the point the chip reader was malfunctioning. The representative stated I could pay in cash since the payment processor was not functioning normally. At this point I agreed to cancel the electronic payment and proceed to pay in cash. As I left the college, I found out I was charged on my statement. I did not authorize this charge and am not responsible for the amount on my billing statement. Witness XXXX XXXX. Claim was denied.

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 2018-11-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The Bankruptcy on my Experian report should be removed immediately, it is unlawful to have a third party furnishing the wrong information on my credit report. As it can be seen, nothing showed that I have debtors/creditors/collectors that are included in the BK what so ever, therefore it has to be removed ASAP. The Bankruptcy courts do not affiliate with credit reporting agencies as I was told in writing from the court itself, and I have shown you the proof before. Should you not remove this frivolous action reported on my credit report, I will have to contact the court to order Experian for a removal, and I will file a lawsuit against your Bureau for the all the years and damages that was caused to my credit. Experian keep saying that they got the information from a third party which is unlawful by FCRA LAWS, their answer has been always the same.

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 2018-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting debt collections on my credit file that I do not owe. These collections are not mine. I have never received a notice for these, and I have no idea what they are for. Express Recovery will not give m any information on this other than they want to collect a payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: CO

Complaint narrative:
I had a natural disaster in my area and my insurance company provided payments to make repairs. The payments were made to myself and the mortgage company, SunTrust Bank, since there was a loan on the property. The mortgage company has only released a portion of those funds are preventing me for completing the repairs. I have called multiple times and sent in receipts substantiating repairs to no avail. They want to repairs to be complete and inspection prior to releasing funds. I have completed as many of the repairs as I can using my own funds but am quite frankly out of liquid cash and need them to release the funds.

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 2018-11-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
ON XXXX XXXX, SOMEONE CALLED MY WORK, LEFT A MESSAGE FOR ME TO CALL XXXX XXXX XXXX. THEY MADE IT CLEAR TO MY EMPLOYER THAT THEY WERE A DEBT COLLECTOR. 

WHEN I CALLED BACK, THIS PERSON WAS NOT THERE, BUT ANOTHER PERSON TALKED TO ME, VERY CONDESCENDING AND RUDE, HE NEVER TOLD ME HIS NAME. HE WANTED ME TO VERIFY PERSONAL INFORMATION, WANTED ME TO GIVE IT TO HIM, I REFUSED. HE SAID THAT I WOULD HAVE TO BE DEALT WITH THE " HARD WAY '' WHEN I ASKED WHAT THAT MEANT, WAS HE THREATENING ME, HE SAID HE WASN'T. 

I TOLD HIM TO NOT CALL MY WORK AGAIN AND HE SAID THAT HE COULD NOT STOP ANYONE IN HIS COMPANY CALLING ME. I TOLD HIM THAT I KNEW IF I ASKED FOR NO CALLS AT WORK, THE LAW SAYS THEY HAVE TO OBEY. HE AGAIN SAID HE COULD NOT STOP ANYONE. 

I BELIEVE THE COMPANY IS CALLED XXXX, XXXX, Pennsylvania, United States, EVEN THOUGH HE NEVER ACTUALLY SAID SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: MD

Complaint narrative:
Unknown person opened a credit card in my name, and made a charge with XXXX XXXX for {$200.00} on XX/XX/2015. This was identity theft/fraud. 

The debt collection agency, Aldous and Associates, has said they need a fraud report in order to wipe the charge from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
In XX/XX/XXXX, my parents and I called Navient to work out a payment plan of {$1000.00} a month that would be drawn out automatically to help pay down both my principal and my interest for the private student loan. We have made a years worth of payments on time at the agreed amount and the total due has not changed. In fact the total due had risen.

I pulled each bill for the year only to find out the monthly balance due rose without our notice making our previously agreed on monthly payment invalid. It was then explained to me that the interest rates on each of my loans were subject to change depending on the market reassessment and the payments I made in our previously agreed on deal were not enough. This is incredibly deceitful and unfair. I feel like I wasted all of this money I will never get back to try and pay a loan that will never be paid off. Below are the actual monthly totals not what I was scammed into agreeing to pay.

XX/XX/XXXX {$970.00} XX/XX/XXXX - {$960.00} XX/XX/XXXX - {$980.00} XX/XX/XXXX - {$990.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
This new complaint is for Ocwen Loan Servicing only! 
We received a package from Ocwen on XX/XX/2018. This package, XXXX tracking # XXXX contained what appears to be the original note, original Deed of Trust along with a letter reflecting the loan was paid in full. 
Ocwen, please answer the following questions below so we can understand what has occurred with our loan. 
1st, Why did Ocwen loan Servicing hold our original Deed of Trust when this legal document was suppose to be held by the trustee, XXXX XXXX XXXX? 
2nd, Is Ocwen aware, when the trustee does not maintain the original Deed of Trust, the trustee which is XXXX XXXX  XXXX can not legally enforce the Deed of Trust? 
3rd, Why was our mortgage loan transferred to the trustee several years ago when the trustee, XXXX XXXX XXXX never maintained the original Deed of Trust? 
4th, Did the investor ( s ) receive a certified copy of the original note when the original note was sent to XXXX XXXX XXXX prior to Ocwen purchasing XXXX XXXX XXXX? 
5th, Why did the trustee, XXXX XXXX XXXX, state in writing that our mortgage loan investor was XXXX XXXX? 
6th, Is Ocwen fully aware that XXXX XXXX purchased this loan from XXXX XXXX XXXX   and placed this mortgage loan into XXXX XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: NV

Complaint narrative:
Robinhood attempted to debit {$1000.00} from my banking account - I did not deposit the money in time which resulted in it being reversed- - the {$1000.00} was debited to my account on robinhood - I traded the money - they then took back the {$1000.00} from my portfolio balance - my account is now disabled although having a positive protfolio balance- I can not purchase, deposit or withdrawal money - I have contacted them and received canned rsponses

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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 — Investigation took more than 30 days
Company: Selene Finance LP
State: HI

Complaint narrative:
I am in the middle of a refinance. I have signed loan docs and gone through the recission period. At closing the new lender ran a new credit report and found that my ex husbands loan is now showing delinguent instead of as a foreclosure. It was showing properly in XXXX when I received my loan approval. The new lender has my divorce papers that show this property was awarded to him, my ex and we also provided a copy of the comissioners deed to confirm the foreclosure. This is where the problem begins. The loan was with Selene Finance and the loan # XXXX and the old property address was XXXX XXXX XXXX XXXX # XXXX XXXX hawaii XXXX. I have been calling this lender since last week Wednesday and they just give me the run around and nobody there can help me. I have asked to get to corporate and many supervisors all of whom cant or wont help me and the credit bureau will not fix the incorrect reporting without a letter from selene and they tell me only only someone in customer service can do this and that I have to email them. I have done this and they still say they have no email from me. I am now being asked for extension fees in order to keep my loan approval good until such time that they decide to help me. I am going to be saving over {$600.00} per month on my payments and I would like Selene to pay any additional cost that I will incure due to the miss reporting on my credit report from this company. My email is XXXX and would appreciate anything you can do to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
The debt collector supposedly hire another debt collector ( XXXX XXXX XXXX ) to serve a legal document. They have called my employment and told the receptionist my information and file number and wanted to know if they can serve at my place of work. I was very clear for them not to call me at my place at employment. They requested to talk to my supervisor which she took the call and she told them that is illegally to harass me at my place of employment. Collector was very aggressive towards me and when she spoke with my supervisor. I told them that I knew my rights but that is not stopping them to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: MI

Complaint narrative:
The most recent call was today at XXXX XXXX They have called me well over 90 times in about 4 months for somebody who doesn't even have this phone number and I've asked them not to call me back and they still do. They will call multiple times a day sometimes and they never leave a message. They are supposedly called M.R.S. associates and are in XXXX XXXX

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 2018-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
We had a car that was financed with XXXX  XXXX. We had an agreement to close loan and release the title for XXXX. They received the money and then got shut down by the government. They sold the loan ( which was closed in XX/XX/2018 XXXX to westlake protfolio management in XXXX. I received a notice that my loan payments will be due for XXXX and to send to them as they are the new loan servicer! 

I called and called and sent in the loan release letter from Honor finance stating that I had paid off the loan. They forward to legal and said please allow 7 to 10 biz days to clear. That was in XXXX! It is now mid XXXX. My loan is in default showing repo status ( ont heir file and credit report ). I have called on about 30 occasions and they blow me off. Call center tells me that legal is looking at it. 

ONE person gave me the number to a guy in the legal dept. He talked to me 2x and now just ignores my calls and does not respond to email! 

I WANT THIS CLEARED UP. The car is gone ( insurance has it ) the loan is showing in default and it is affecting my ability to get another loan and my score!! I couldnt close on my home loan since I was in REPO status!! This is beyond rediculous and frustrating! 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: CA

Complaint narrative:
TransUnion you are inviolation of FCRA 623 and FDCPA 806 { b } which statesthat a credyor must enter a notice of dispute if this is not entered the account can not report on the credit report BUT you still report it Knowing that its in dispute, .Also failure to report that the account is sold to who with no address or any information still listing as XXXX  , There is no last payment date No name of who account was sold Balance still showing no listing of in dispute REF : XXXX  CFPB there need not be another 60 day investigation you have all the document facts along with the CFPB showing that there is NO evidence that account is mine or ever made by myself. the two violations listed above in its self warrant the removal of the account immediately, the CFPB should enforce the violation from you to remove it

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 2018-11-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AES/PHEAA
State: MS

Complaint narrative:
ON XXXX XXXX, SOMEONE CALLED MY WORK, LEFT A MESSAGE FOR ME TO CALL XXXX XXXX XXXX. THEY MADE IT CLEAR TO MY EMPLOYER THAT THEY WERE A DEBT COLLECTOR. 

WHEN I CALLED BACK, THIS PERSON WAS NOT THERE, BUT ANOTHER PERSON TALKED TO ME, VERY CONDESCENDING AND RUDE, HE NEVER TOLD ME HIS NAME. HE WANTED ME TO VERIFY PERSONAL INFORMATION, WANTED ME TO GIVE IT TO HIM, I REFUSED. HE SAID THAT I WOULD HAVE TO BE DEALT WITH THE " HARD WAY '' WHEN I ASKED WHAT THAT MEANT, WAS HE THREATENING ME, HE SAID HE WASN'T. 

I TOLD HIM TO NOT CALL MY WORK AGAIN AND HE SAID THAT HE COULD NOT STOP ANYONE IN HIS COMPANY CALLING ME. I TOLD HIM THAT I KNEW IF I ASKED FOR NO CALLS AT WORK, THE LAW SAYS THEY HAVE TO OBEY. HE AGAIN SAID HE COULD NOT STOP ANYONE. 

I BELIEVE THE COMPANY IS CALLED NCO, XXXX, Pennsylvania, United States, EVEN THOUGH HE NEVER ACTUALLY SAID SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: GA

Complaint narrative:
XXXX XXXX, a division of Comerica Bank, has allowed someone to hack my account and steal approximately {$1700.00}. When I notified them on XX/XX/XXXX the charges were still pending but the customer care rep. said that she could not stop payment. I asked her to close the account and she refused saying that you can't close an account that has pending charges. Her advise was to call the next day. When I asked for her name I was disconnected. Currently XXXX XXXX has locked me out of the online account and telephone. Whenever I call my account number is asked and I receive the message that the new card is in the mail then the system disconnects. 
I lodged a complaint with the XXXX of Texas. Comerica Bank told the XXXX XXXX XXXX XXXX XXXX XXXX is a program of the U.S. Treasury, Bureau of the Fiscal Service and therefore is outside the mission of the Better Business Bureau. '' As of date the fraud division of the bank has had no contact with me. 
I have copies of my bank history which shows many banking discrepancies. This account is for my adult dependent son who receives SS and SSI benefits

Company response to consumer: Closed with explanation