vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-01 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My Bank of America Business Debit Card XXXX XXXX XXXX XXXX XXXX XXXX - account ending in XXXX ) has charges for purchases from XXXX that I reported as FRAUD. Some one made several charges to my card totaling {$1600.00} as follows : XX/XX/XXXX {$360.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$390.00} XX/XX/XXXX {$380.00} I reported this fraud to XXXX as well as some of the items were sent to my house.??? 
I insisted that XXXX send UPS to pick up these items that I did not order. After weeks of correspondence with XXXX, they finally sent UPS to get the fraudulently ordered items. 
Initially, Bank of America told me that I would not be responsible for fraudulent items charged to my card so they issued temporary credits which B.O.A has now reversed and taken the money from my account leaving me once again with over draft fees and a negative balance. I just put money ( that I need to use for my bills ) in that B.O.A account to bring it current. To make matters worse, Bank of America said they would take even MORE money from me on XX/XX/2018. They need to stop stealing my money! I have spoken to several fraud investigators at Bank Of America regarding this ... .hours and hours on the phone. One of the investigators even told me : " I've been doing this a long time and if it was fraud the items wouldn't have not been sent to your house. Really? If he knew every move criminals and thieves make why did bank of America let the the thieves make charges to my account then? He implied that I was lying and myself or some one I know did in fact order from XXXX. I then asked him to look at the history of my account and tell me when I ever ordered from XXXX. He agreed he didn't see where I had. In essence, Bank Of America is denying my claim and stealing my money because they said those charges fit my pattern and XXXX said it wasn't fraud because the card and address was linked to me. I insist it was and is FRAUD and I want ALL of my money back from XXXX and Bank Of America. I've been a loyal customer of B.O.A. before they were Bank of America. I am disgusted at this unfair discriminatory treatment I am receiving from Bank Of America. They should have never allowed these charges to go thorough it the first place because clearly ordering from XXXX for 4 days is NOT my shopping pattern. Shame on you Bank of America for your unfair, unjust and discriminatory treatment to me! 
XXXX XXXX XXXX & XXXX XXXX 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 monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
Sent money to my wife in XXXX on XX/XX/2018 in the amount of {$120.00} at Moneygram station or CVS Pharmacy at XXXX XXXX XXXX, in XXXX, PA XXXX. Total cost {$130.00} which included the fee. Moneygram reference number XXXX. Moneygram gave me a refund including the fee later that week. Moneygram said that they didn't feel comfortable sending money for me after the review. There's nothing I can do about this they said.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Linda Strumpf
State: NY

Complaint narrative:
On XX/XX/2018, debt collector, who is posing as an attorney ( Linda Strumpf ) AND who is the CEO of the plaintiff ( XXXX XXXX ) served my bank ( XXXX XXXX ) with an illegal judgement for {$5900.00} to be withdrawn from my social security account. Thus far, they have gotten {$3100.00}. This money is a combination of my social security and a loan. I have had no dealings with XXXX XXXX. I have never received PROOF of ANY debt from XXXX XXXX or a court notice. I have lived at my current address for almost 6 years and a previous address for 3 years. No court notice, yet the index number is XXXX in the Civil Court of XXXX. I got this and the following information from my bank : to call XXXX, XXXX XXXX XXXX. I called. Left message. No cooperation or return call. I informed them I would contact CFPB. Again, nothing ; however since then I have learned that there are many complaints against Strumpf who wears two hats. Additionally, it appears that the Connecticut address is currently bogus as there are 7 companies at XXXX XXXX XXXX, XXXX XXXX, Ct XXXX but only ONE since XX/XX/XXXX which is actively owned by XXXX XXXX ; the others involved Linda Strumpf. Additional addresses are XXXX XXXX XXXX, XXXX XXXX, NY XXXX and oddly enough, the XXXX that XXXX XXXX gave me as Linda Strumpf is listed by XXXX as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i had setup an automatic bill pay in XXXX and i sent the necessary paperwork for it. and it didn't get properly processed on XXXX XXXX XXXX side. So i called them and they said to dispute it through this process. it is on my XXXX and transunion as late when i never been late.

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 2018-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been trying to get a loan modification with Wells Fargo. The process started at the beginning of the year and has been going on since then. I am a XXXX year old XXXX veteran and my wife and I have been struggling to stay in our home. Wells Fargo has threatened us with foreclosure while in the loan modification process. Meanwhile the bank has been stalling and stalling and we can not seem to move forward. What angers me as well are the advertisements they run on the tv. One states they have changed ( since cheating their customers ) and another talks about their involvement in helping different charitable organizations.. I am a veteran and I believe I have a predatory loan. They appear unwilling to help but seem intent only on stalling without any progress made to resolve this issue.

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 2018-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I request an investigation from the Experian company for the violation of the law s, FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA. US Court of Appeals, Ninth Circuit, No. XXXX, XXXX XXXX XXXX XXXX. By Defamation, financial Injury. Protection under the FCRA, FCRA Section 623. Injury to your credit report and credit score, FCRA Section 604 ( A ) ( 3 ). The Credit bureaus, " XXXX '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section XXXX XXXX XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case 115 F.3d 220XX/XX/XXXX, Filed ( D.C. No. XXXX ). On XX/XX/XXXX I disputed an account reported by XXXX in the file you maintain under my Social Security number. I was informed on XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted 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 explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: USCB, Inc.
State: CA

Complaint narrative:
USCB CALLED THREATENING TO TAKE LEGAL ACTION AND LIEN PROPERTY IF THESE COLLECTIONS ARE NOT PAID ... .THESE ARE NOT MY ACCOUNTS DEBT DOES NOT EXIST AND THIS IS NOT A WAY TO COMMUNICATE WITH CONSUMERS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I sold a pewter tea pot in XXXX for XXXX I did everything right I mailed it the day after the sale, he received the tea pot and everything was fine he let XXXX know he received the tea pot in good condition. XXXX said I should have my money by XX/XX/XXXX pay pal kept it in pending status for 3 weekss. I made numerous calls to XXXX and pay pay to find out when I was going to get it my customer has the tea pot in XXXX and I have no money mean while XXXX wants paid their XXXX commission and I still dont have my money I told them I will pay them when I get my money. Finally XX/XX/XXXX pap pal says my funds are ready I called pay pal to see how to transfer it into my checking account a fellow from pay pal walked me through it so I thought I was done and would finally have my money 15 minutes after I did the transfer I get a email from pay pal saying they are are placing my funds under review and its on hold for 48 doesnt say days weeks or years if it passes the review they will release my money, so my money is now sitting in pending again. I called pay pal and a fellow said he would see if he could over ride it well he couldnt this was my first and last experience with them. I just want my money I was suppose to go on vacation and planned to use that XXXX. I have spent so many hours trying to fight for my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
I called to notify Asset Recovery XX/XX/XXXX the debt was not mine and the woman I spoke with couldn't provide me with the information needed to ensure it didn't wind up on my credit report and when I indicated that the debt did not belong to me and asked when it was opened, XXXX and when it was charged off XXXX, I indicated that it was 13 years old and I also have never in my life had a line of credit and didnt open the account and she began to tell me how embarrassing it must be to know I'm not able to pay my bills and especially from that long ago and hung up on me. When I tried to call back the operator wouldn't connect me with a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have 4 businesses and business accounts for over 6 years with JP Morgan Chase. Upon opening all of my business accounts I was 100 % transparent with the banker on the type of business it was and how it operated on a daily basis. I have even complied with random compliancy checks regarding my customer accounts, locations, and agreements. I recently received a letter dated XX/XX/2018 from JP Morgan stating that " We have decided to close your accounts ''. I received this for only 1 of my 4 businesses and zero explanation was given. Upon calling the XXXX number to inquire, I was told that they have decided to close my accounts and do not need to provide a reason. I was told their compliancy department made the decision but there is NO way to speak to anyone in that department. I know what the reason is, and it is blatant discrimination against a business segment they no longer want to do business with. I understand they have sent similar letters to others in this industry as well and by terminating my banking relationship they have caused financial damage to my company that must use a national bank to operate on a national level. The particular business I operate that Chase decided to close the accounts of was a full service ATM processing, placement, and servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have been working for many, many months in an attempt to get a loan modification with Bayview Loan Servicing. Originally my loan was with XXXX XXXX XXXX and I was almost through the loan modification process when the it was acquired by Bayview.. I have been trying to get my loan modified with them for about a year now. Their course of action seems to be stall, stall, stall. My first asset manager was somewhat responsive. at least he would return calls and send emails with information or requests for documents. But somehow he disappeared and it was weeks before I knew he was no longer assigned to my file. I now have another asset manager but he never returns phone calls. Several have been left for him over the course of the last several weeks but we almost never hear back. I have received no updates on the status of my loan modification request in recent weeks. I know something is happening as I received an appraisal on my home, but no updates at all on where we are in the process. I want to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Called capital one to check on the status of my application and the representative saidbshe didnt want to answer my questions and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I request an investigation from the Experian company for the violation of the laws, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. By Defamation, financial Injury. Protection under the FCRA, FCRA Section 623. Injury to your credit report and credit score, FCRA Section 604 ( A ) ( 3 ). The Credit bureaus, " Experian '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX Court Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). I gave them all the original information of the companies, Experian did not take my letters seriously and did not respond adequately to my claims, only responses by automated mail response systems. Experian refuse to correct information after being provided proof of inaccuracy. This is a violation of the " FCRA Section 623 '' law. As the FCRA and Experian do not respect the law and I have deleted the Claims- '' justifying that there is a duplication '' - that I write on your site, I sent a copy to the Attorney General of Florida to take over the violations of the FCRA and Experian. You have never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. the case of Child Support. Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information.

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 2018-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
I am unaware of an Emoney loan. They are reporting a charged off account on my credit bureaus stating i owe {$1000.00}. i did not borrow from this firm and would like this to be removed. I contacted the firm previously to ask for a validation of debt and did not receive any notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XX/XX/2016 XXXX XXXX from XXXX XXXX XXXX XXXX contacted me via phone stating that she could help me with my student loans. ( consolidate them and review my account each year to see if my income has changed drastically and if not then I would not have to make any payments throughout the year. This would be done every year for 10 years and then my loans would be forgiven ). She stated that the total cost was {$750.00} ( {$250.00} for 3 months ) which has been paid in full. I have since come to realize after being contacted by Navient several times regarding my loans being unpaid that they had nothing to do with that agency and I still would need to make payments. They are investigating this matter as well but advised me to report this issue to Consumer Protection which has instructed me to file a claim with FTC Agency. Basically I just gave  {$750.00} away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
Machol and Johannes has put a lien on my home for a case I was never notified for they've garnished my wives wages from 2 separate accounts for 1 year straight theyve tried to garnish my veterans affairs XXXX twice they call and harass theyve sent people to my door to threaten me to the point the cops were called theyve abused and harrassed myself and my family for 3 years now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Pending Company Match
State: TX

Complaint narrative:
This account was paid in full XX/XX/2016, it was a secured and was not any late payments. it was a loan company which the bal. at the time due was XXXX a mo. I have called to see if the company would correct this no action has been taken. 



On the account XXXX XXXX shows on my credit report as a charge off but this account was a secured account loan company that was never charge off loans were paid in full. And I would like for them to remove it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: OK

Complaint narrative:
This company has been Robo calling me twice a day, every day for the last 5 days. I have added their phone number to my blocked list but they keep trying to call. When I called them back they refused to identify themselves until I answer personal questions about myself. 

I'm not going to give my personal information to a stranger over the phone. Their representatives refuse to tell me who they are and what company they work for. They just keep telling me they have an important business matter to discuss. I have hung up on them several times. I have asked them twice to stop calling me and the calls have not stopped.

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