vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear officer, This is XXXX, my family is a victim of wire transfer fraud on Monday XX/XX/XXXX ( {$120000.00} ). The fraud wire transfer was on Monday morning XX/XX/XXXX around XXXX. We discovered the fraud on Wednesday XXXX around XXXX XX/XX/XXXX. The name and the account number do not match in the wire transfer. However, Bank of America ( which holds the fraud account ) still released the fund to fraud account on the same day of the wire. Bank of America didn't hold the funds before they got more information about the transfer. Even though the fraud account is a newly opened account, Bank of America still released such big amount of money to the fraud account. Please help us!! 

Fraud Recipient name : XXXX XXXX XXXX XXXX Fraud Recipient Bank XXXX Bank of America Fraud Recipient Account Number : XXXX My name : XXXX Sender 's bank : XXXX XXXX , New York Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Hello, I filed a complaint with your organization XX/XX/XXXX complaint number XXXX about Transworld Systems Inc. they responded back on XX/XX/XXXX. If you will take a look at my complaint and their response you will see that again they are not addressing my issue. My issue is two bills one for the amount of {$430.00} and the other for the amount of {$590.00}. In their response to my complaint they sent a list of which they stated they have a bill for {$590.00} three times. They also stated that I could contact the hospitals in question, which I had before filing the previous complaint and which I did once I received their response. I took this information to the hospitals in question and again they could not locate these bills with the information provided. As I stated in my previous complaint I think there was only one bill that they have constantly duplicated. The bill for {$590.00} was on my credit report owed for the XXXX as well as XXXX. I now notice the bill for XXXX has been removed. I also have documents where the bills were added in XXXX and then removed. I contact Transworld sytems on XX/XX/XXXX XXXX @ XXXX and spoke with a representative who stated his name was XXXX . I explained to him why I was calling and he immediately switched me to a supervise who stated his name XXXX. Again I explained to XXXX why I was calling told him no one seems to have this bill except his company and could I get a copy of the bill so that I could get it handle. I've requested this from his company before filing my original complaint but never received it I also stated in my original complaint that receiving this information could probably bring this matter to a close. XXXX put me on hold and upon his return he wanted to discuss a bill he claim he had for {$620.00} which I have no knowledge of but I told him to send me a copy of that bill as well. He also stayed he had a bill {$590.00} from XXXX again, here we go another year. I stated fine send that as well. In closing he lead me to believe that he was only requesting a copy of the bill for {$620.00} which was quite irritating to me and a waste of his and my time since for some reason his company refuse to produce the requested copies. I have never gotten a bill or collection notice for either of these bill which I stated in my original complaint. I know I have other avenues available to me but I'm again hoping your organization can bring me closure. Again I thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2018 I received an email containing a username and password to access a loan document exchange portal with my bank. At the time, I used a family member 's WiFi to login into my account. 3-4 hours later when I came home and tried to login to the portal my password and security questions were changed. I then contacted my bank to have them reset the password. On XX/XX/2018 I received an email about an attempt to login to my email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
We closed on our home XX/XX/XXXX with a perfect payment history even with my husband losing his ability to work due to his health. Then in XXXX of XXXX came Hurricane Irma which caused a financial hardship and a trickle down effect. We live in a very strict HOA and had to take care of trees and shrubs immediately. This along with the care of my husband took a huge toll on us, he did not have medical Insurance until XXXX of this year so everything was coming out of our pocket. When things calmed down from the hurricane we called our mortgage company PHH MORTGAGE and ask for help, they offered us three options one being A FORBEARANCE, A REFINANCE, OR A LOAN MODIFICATION. We ask PHH MORTGAGE to put everything behind on the back of the loan which the said they would do. We received a new coupon book with a lower payment that was to include PITI our payment was to start XX/XX/XXXX in the amount {$980.00} for XXXX, XXXX & XXXX then we had a 30 day grace for XXXX with a new modification and new payment of {$920.00} everything included. No mention of any shortage during the whole process of modification. PHH MORTGAGE contacted us after the closing documents were signed and said they now needed more money for escrow and taxes. A REAL ESTATE ADVISOR highly recommended that we investigate our mortgage due to the thousands of illegal loans and modifications done by PHH MORTGAGE where they did not follow Service Rules and they are still under indictment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I cancelled internet with XXXX XXXX XXXX. I informed the company that the modem they provided was broken and I purchased my own modem vs. getting another one from them. The company stated I didn't need to return the modem. Then a few weeks later I get a bill for their modem. I contacted XXXX XXXX XXXX and the representative stated they needed it back. XXXX XXXX XXXX provided me with a XXXX label to return the equipment, which I did sometime between XX/XX/XXXX - XX/XX/XXXX. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating they wanted {$170.00} for the unreturned equipment. Called XXXX XXXX XXXX on XX/XX/XXXX and advised the equipment was returned. XXXX XXXX XXXX ( XXXX - Emp ID # XXXX ) stated the account would be credited within 24 hours. The next letter I received was from a credit collections company. I called XXXX XXXX XXXX on XX/XX/XXXX and spoke to XXXX XXXX, emp ID # XXXX, and provided the reference number on the customer copy of the XXXX slip they provided. I received a call from the collections company on XX/XX/XXXX & XX/XX/XXXX stating XXXX XXXX XXXX says we still owe for unreturned equipment. I contacted XXXX on XX/XX/XXXX to get the tracking number, however they said only XXXX XXXX XXXX has the tracking number since they provided the Air Bill label for shipping. I cancelled my service with XXXX XXXX XXXX after 4 months of phone calls and constant follow ups to get {$300.00} credited to my account that they owed. After the credit finally went through and I used up the credit, I cancelled because of the bad service and the number of hours spent on the phone with them. This is the same kind of situation. They promise one thing and don't do it. I've spent multiple hours on the phone with them and I'm simply exhausted. Any help would be appreciated.

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 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX Credit card is showing a balance and there is no balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2017, I hired XXXX XXXX, freelance translator and editor, to edit a literary work, and I sent her {$35.00} through PayPal. However, when I reviewed her online resume on XXXX, I noticed she didn't have experience editing literary work and the next day I emailed Ms. XXXX, canceling my project. I sent a copy of the email to PayPal 's Resolution Center. 

An hour later, Ms. XXXX emailed me a partially edited version of my article. I informed her I was not satisfied with the quality of her work. After I paid her, she stated that she was not completely qualify for the job. 

Here is her response : " Over time, I believe you will be better served by a person who specializes in literary editing. 

I then reinvested in a literary editor, Mr. XXXX XXXX. He edited the entire article and said the previous editor [ Ms. XXXX ] had done a very poor job. He also corrected basic grammatical errors Ms. XXXX had overlooked and ones she added to the text. 

I asked Ms. XXXX for a partial refund. She replied by email : " Are you threatening me? I am shocked at that behavior. Why would you want to turn me into an enemy? Get a grip. If you wish to pay me, send me a check and I will release the amount on PayPal when I have it in hand and deposited. Otherwise, let 's end these communications. I have tried to help you and have only gotten trouble for my efforts. Enough. Let 's both move on. '' Due to the poor quality of her work and inappropriate behavior, I requested a full refund through PayPal. PayPal ruled in her favor, even though I explained to one of their representatives that I had evidence of her poor work, customer service and her lack of experience editing literary work. PayPal never requested me to send the evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: NJ

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX XXXX in late 2017. I paid my co-pay, and was billed an additional amount several months later. I paid this amount. I was sent a bill again the following month, for the same amount. I ignored it, figuring my payment and their bill crossed each other in the mail, and my payment hadn't posted yet. The following month I received another bill. I checked my account and realized they never ran my card, so I sent back the payment stub again, with the same card number. The following month I get another bill, this time {$78.00} higher. They claim they tried to contact me about my original payment not going through ( they didn't ), and that they added a collections fee to my bill .... *AFTER* I paid them, XXXX. Now the original balance of {$110.00} is gone, but I'm getting a {$78.00} invoice from them monthly for the collections fee. In addition, I get TWO DAILY phone calls from their collections agency, harassing me into trying to pay their bogus fee. XXXX XXXX refuses to do anything about it. Capital Accounts is trying to bully me into paying them.

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 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To CFPB, On XX/XX/2018 we received a notification from XXXX XXXX that a company called XXXX XXXX had placed an account with Equifax for {$230.00} which we thought was strange because we NEVER received any notification from them letting us know of this debt, obviously bogus or else we would have received a notice. As you know I have had XXXX XXXX going on and this type of behavior on the part of Equifax makes it worse as they know that we are supposed to receive notice from anyone claiming we owe them something, its FEDERAL LAW. Now the law has been violated and there WILL be consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ogden Holdings, LLC
State: GA

Complaint narrative:
Husband lost job, not able to get caught up on payments. Tried to set up promise dates around my pay schedule ( 15th & 30th/mo ), however, the finance company repeatedly calls me from their personal cell phone number and other blocked numbers in attempt to collect my debt. In addition to that, they have threatened me and flat out used offensive and obscene language with me over the phone when I say I'm going to pay my debt on a certain date. 

This is in regards to XXXX XXXX XXXX in XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
IC Systems reported a {$390.00} collection on my report. I contacted IC Systems and informed them the name was a mismatch and I had never been to the dental office. They requested I contact the dental office. The billing department of XXXX XXXX XXXX confirmed the debt wasn't mine and called IC Systems to make the correction. IC Sytems informed their client that I would need to dispute the accounts with each credit company. I then called IC Systems in attempt to have this corrected and was told the same steps I would need to take to resolve this. IC Systems has ample information to prove they made a mistake. I should not have to spend time disputing accounts with each credit company because they made a mistake. They have the ability to correct this themselves but refuse to do so.

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 2018-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
this is basically a continuation of my Complaint # XXXX, why I would like the Consumer Financial Protection Bureau to know that bank of America did not uphold it's promise to release my funds. 

I also want the Consumer Financial Protection Bureau to know that bank of americas and its representatives lied to me and they all gave me 6 different reasons why they can not release the funds, and there was only one department which I spoke to a representative names XXXX that told me which documentation I need to email him and then he will release the funds. 

I want the Consumer Financial Protection Bureau to know that I have emailed XXXX several times again and again and there's no answer. I an being ignored. 

I will attach to this complaint everything which I also attached to and provided to Bank of America, and I ask the Consumer Financial Protection Bureau to please give it over to bank of America.

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 2018-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: VT

Complaint narrative:
On XX/XX/2016, I accidentally paid my mortgage twice in the amount of {$1900.00}. I reversed one of the payments because I can not afford to pay my mortgage payment twice in a single month. They assessed a non-sufficient fund fee of approximately {$50.00} even though the payment was not late and I've been fighting with them ever since to have this fee reversed. I've called and emailed them multiple times and none of them seem to understand the issue or how to resolve it. They've told me multiple times that someone would call me back but they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Repeated attempt to collect a debt that is not mine. Claims to be looking for XXXX XXXX. Have asked them to remove the number but the calls come in again. The following are all the numbers that have called me from this company ( that I know of ) : 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 explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
Global Radius Solutions, call me and advised that the number they had was XXXXne that was provided to them which is untrue, the number provided is not even on my XXXX account or any place else. The loan they are stating that I owe is still on my XXXX account and from XXXX XXXX which is now closed. They contacted me on XX/XX/2018 under complaint # XXXX and today and advised them for the second time not to contact. 
She complied but i'm pretty sure they will try again.

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 2018-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
XX/XX/18 called harassing me and my brother threatening to sue me and come to my home and demand payment. Called number they gave me told me I had to pay full amount said I couldn't at this time then rudely told me why I bothered to call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: KY

Complaint narrative:
I have had a card with U S Bank for three yr ( or longer ) and never missed a payment plus I am not over limit never have been and I recently have had some problems so my credit is lower I am working diligently to get all my cards paid and never miss payment. U S Bank decided to jack my interest rate to 23.74 % because they ran a recent credit report. The reality is they are screwing the consumer and with this interest rate I can never climb this mountain and get them paid. This is usery. If they want to help someone like me they could but this is just XXXX the little guy when he is down. I had two cards wsith them Both had never had late payment or been over limit. The cut the limit on the other which negatively impacted my credit score because it affected by utilization percent and now they have done 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 2018-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I went thru the drive thru to deposit a check on Tuesday XX/XX/XXXX. When I got my deposit receipt on the back said that since I have had several overdrafts in the past 6 months, my deposit would be hold until XX/XX/XXXX. I was not informed of this before the deposit was made. The deposit was for {$5000.00} because I had several things coming out. They have charged me over {$250.00} in fees for those items hitting without that deposit. It has left me without any money for gas or groceries.

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 2018-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was discriminated and treated with disparity by XXXX XXXX. XXXX did not give or serve me properly with my constitutional rights regarding my home mortgage located in XXXX XXXX XXXX, CA. I never received the XXXX packet from them. XXXX violated my due process of the law, I feel and sense that XXXX did this intentionally to harm me. Me and my house are in a judicial sale process by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
On XXXX XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX as contact number on report ) requested my credit report. 

On XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, XXXX ) requested my credit report again without any authorization or explanation.

Company response to consumer: Closed with explanation