vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
On Wed XX/XX/2020 XXXX XXXX, an unauthorized Western Union payment transfer was made from my account and using my personal bank account information to transfer an amount of XXXX USD to a person I do not know. This is the information that I received in an email : Receiver Name : XXXX XXXX City : XXXX Country : XXXX ZIP:XXXX XXXX, XXXX At XXXX I received an email notification that the payment was successfully and that alerted me to this unrecognized activity. 
At XXXX another transfer payment was attempted ( WU tracking number ( MTCN ) is : XXXX ) for an amount of $ XXXXUSD to a recipient that I do not know either : XXXX XXXX Address : XXXX XXXX City : XXXX  ZIP:XXXX Country : XXXX Mobile NumberXXXX Expected Foreign Country Payout Location : XXXX, XXXX Western Union Customer service called me, and I confirmed that I did not authorize any transactions on that day. 
Western Union provided me with a case number : ( XXXX ) I also contacted my bank ( XXXX ) and they put an alert on my account. I am in the process of disputing that charge but the bank is not willing to confirm the dispute at the moment. 
Please advise what is the best next step of action that I should take to resolve this issue. Thank you, XXXX XXXX tel ( XXXX  ) -XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Municipal Collections Services, Inc.
State: IL

Complaint narrative:
The city of XXXX XXXX XXXX XXXX stolen my private automobile without any contract or my consent or any injured party on the XXXX  of XXXX two thousand and eighteen the company also the given municipal collection services inc. and the municipal collections services Inc and MUNICIPAL COLLECTION SERVICES INC. companies my personal data and information without my written or express consent furthermore I don't owe any debt in the amount of XXXX furthermore the City of XXXX XXXX XXXX XXXX and municipal collection services Inc failed to show there is a contract, failed to provide a injured, party and misappropriated and misfalsified documents of XXXX XXXX information and personal data. XXXX XXXX responded and given municipal collection services Inc seven days to respond and resolve this matter on the XXXX XXXX of XXXX two thousand and eighteen. Municipal collection services Inc is also responsible for given their parties my personal data and information without my written or express consent XXXX XXXX personal data and signature worth is XXXX XXXX dollars. XXXX XXXX is seeking claims for the harms and damages of the fault of the city of XXXX XXXX XXXX XXXX and municipal collections services Inc and MUNICIPAL COLLECTION SERVICES INC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: WI

Complaint narrative:
Wednesday XX/XX/XXXX : New American Funding stated that we owed them XXXX cents. They stated that when we closed on our refinancing on XXXX that we did not provide enough money for the closing and that they used our escrow to pay for the closing cost. Because we used the escrow for closing cost we then owed them this cost when they paid our state taxes for the 2019 year. We told them that we needed an answer by Thursday the next day. We were told that by Friday we would have an update by the company due to them notifying corporate of this matter. 
-- -- In addition, they are claiming that we need to spend XXXX dollars on hazardous insurance, because it expired in XXXX. We showed proof that we paid but they are still trying to charge us for the hazardous insurance. 

Friday XX/XX/XXXX : We called and notified New American Funding, that if they do not have an answer for us we would go to the media, and obtain an attorney. We gave them to Monday, XX/XX/XXXX to contact us. 

Monday XX/XX/XXXX : No response. Called New American and left a voicemail to XXXX XXXX in corporate. 

Tuesday XX/XX/ : Contacted New American and spoke with a Mr. XXXX XXXX on the phone and he then responded via email. 
Good afternoon Mr. and Mrs ... .. 

We wanted to provide you an update regarding your escrow account. It is currently being researched with our management and our escrow department and is being reviewed with the right specialists. Allow us some time for us to provide you an update before the end of the business day on Friday. We thank you for patience on this matter. 

Friday XX/XX/XXXX : We notified New American and XXXX that at this point, we have called and contacted daily. We have numerous responses from you that someone will get back to us, but each time we speak its still under investigation. 

Monday, XX/XX/XXXX : Good afternoon : The ongoing research is being handled by our management and VP of Customer Service. Allow us to follow-up with them so they may provide an update. Thank you for your patience on this matter. 


At this point we then contacted daily until XX/XX/XXXX: Thursday XX/XX/XXXX : Voicemail left on my phone : stating that the findings are that we still owe XXXX dollars instead of the full XXXX. We then called New American to notify them that we will follow-through and make a formal complaint to the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio out of Utah took over my XXXX XXXX home loan. They have double charged me for XXXX and then reported a late payment to my XXXX XXXX credit bureau even though I made two payments. They have not credited me for the second payment for XXXX XXXX but rather double charged me for XXXX and is claiming I was late for the prior month which I was not. This is the second time this company had done this to me in an effort to levy huge penalties on me later. At one point they were charging me in excess of {$400.00} per month in penalties on a {$430.00} loan. I have complained about this before and asked for this to be investigated but nothing was done. They got away with this. They are trying to do it again. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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:
XXXX stills has an old account with XXXX card that was settled at a lower amount. The settlement was on XXXX, 2012 making it 8 years only record, when it should have been removed. The remaining balance is up to date, ( in fact 6 months ahead in payments on payments ). Current remaining is {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: GA

Complaint narrative:
On XX/XX/2019, i was scammed into buying gift cards. I spent {$500.00} at XXXX XXXX, and {$100.00} at XXXX. I almost spend additonal {$800.00} but my coworkers knew something was wrong, so they prevented me from spending more money. I called XXXX XXXX  immediately and found out only one of the gift cards was redeemed. I told them to stop the rest of the gift cards, they said they could not for some reason. I called FTC to report what happened. Then I called Bank of America to report as well. I received my money back temporarily during the investigation, but they recently denied my claim and withdrew the money from account 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 2020-02-14 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: VA

Complaint narrative:
American Express are discrimination against me due to my XXXX under the American with disabilities act title III regarding my request under the Fair Credit Billing Act and the Federal Arbitration Act regarding the terms and conditions of the Credit Card agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Lending Club Corp
State: PA

Complaint narrative:
I am writing to file a grievance against Lending Club. Over the past three years I have take out three loans with LendingClub, of which two are satisfied and one is current with 23 payment remaining. I applied for a smaller loan several months ago. After sending Lending Club copies of my social security card, drivers license and passport, LendingClub found out that the wrong social security number was being pulled up in their system for my application after applying multiple times, Lending Club indicated that there is a a person who shares the last 4 of my social Security Number, first and last name. ( Lending Club divulged this person 's SSN to me seemingly without a care in the world. ) When I put in an application to consolidate my current loan, I asked Lending Club to notate everywhere possible that my social security number could be mistaken for the other person and they assured me it would not happen again. On their recorded line I have stated my full social security number and when they ran the last 4 digits, the wrong person kept being attached to my applications and was never fixed on the old or current loan. 

SERIES OF EVENTS -XX/XX/2020 - I was informed by Lending Club that the wrong social security number was applied to not only my current loan but past loans as well, under the other person 's Social Security Number. I was promised I would have updates via call backs and emails which never transpired. Since that promise I have had to reach out and explain my situation to get a supervisor or manager on the phone which they would admit to having no resolutions or plan of action to fix the social security problem on my current and past loans.

-Shortly after, I contacted XX/XX/XXXXwho verified that Lending Club had not done any soft or hard inquiries on my credit report for past or present loans.

-XX/XX/2020 - I was connected with the Fraud Department of Lending Club who advised me that there was nothing they could do on their power to solve this issue.

-XX/XX/2020 - I was connected with XX/XX/XXXX( Supervisor ) who escalated to Manager, XXXX XXXX Last conversation with XXXX was where I made it clear if there was no plan of action soon that I would be filing a complaint with CFPB. 

-I have called LendingClub seven times since XX/XX/2020 to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC

Complaint narrative:
This is a continuation of complaint number XXXX. 

Rushmore Loan Management Services stated in response to this complaint that they would remove the " certified funds only '' restriction from my account and would stop withdrawing money from my account. I received a letter dated XX/XX/20 which shows that they again tried to withdraw extra money from my account ( without authorization ) and placed me back on certified funds status when my bank blocked their attempt. They continue to threaten me with these letters Even though I've never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was told if I paid the overdraft balance owned on Account ending in # XXXX that the XXXX  reported information be removed. The balance was paid XX/XX/XXXX {$420.00} and got my XXXX report back in XX/XX/XXXX still shows bank of America reporting the debt. I called today XX/XX/XXXX to Bank of america recovery department told them I paid said shows it paid but they can`t remove it from XXXX  before I was told the balance was paid it`ll be 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 2020-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
1 ) The mortgage servicer Mr. Cooper has denied the review of Mortgage Assistance for XXXX XXXX XXXX. 

2 ) Mr. Cooper states the monthly payment would increase therefore mortgage assistance application can not and will not be reviewed. However, Mr. Cooper has not provided any evidence of this, other than verbal communication. 

3 ) Mr. Cooper then stated that they would assistance and review any Loss Mitigation Assistance options. 

4 ) Mr. Cooper has instead set a sale date of XX/XX/XXXX. Mr. Cooper plans on proceeding with the foreclosure sale, rather than review my RMA application. 

5 ) The actions of Mr. Cooper are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, Mr. Cooper violates the rule of RESPA AND ECOA, while failing to properly and timely provide Mr. XXXX with required documentation to complete modification and or provide Mortgage Assistance package, while discriminating against Mr. XXXX by not accepting said RMA application. 

This practice violates federal law ( 12 C.F.R. 1024.41 )  which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of January 10, 2014. Among other things, the rules restrict dual tracking. 

6 ) As stated in the opening of this Notice of Error, Mr. XXXX complied with instructions provided by Mr. Cooper and continued to apply and request assistance. However, a foreclosure sale date was scheduled, and assistance denied. As of XX/XX/XXXX, the sale date of XX/XX/XXXX remains on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I signed up with a third party company to handle my pay loan with speedy cash and stopped payments with my bank and changed my debit card number yet they keep hitting my bank account somehow. I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
On XX/XX/2020 I went to XXXX XXXX XXXX which is located in XXXX  XXXX, Indiana and use the atm to withdraw {$200.00} out. I must have not taken my money out fast enough and the atm retracted the money back inside. I got lost prevention to check on the atm which they all insisted i didnt receive my cash and to consult with my bank and the charge would in fact be reimbursed to my account. I then proceeded to use another atm while they watched this time as i was able to finally withdraw {$200.00}. Each time i used the atm my account was deducted from my balance. American Express Serve is my bank. On XX/XX/2020 I disputed the transaction and was denied my claim.I was charged a total of {$400.00} and only received {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  XXXX  and Transunion are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$110.00} Reason : Original Creditor : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$550.00} Reason Original Creditor : XXXX XXXX XXXX   Open Date : XX/XX/XXXX Status : OPEN Balance : {$510.00} Original Creditor : XXXX  XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$490.00} Original Creditor : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$11000.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$790.00} Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX GA Open Date : XX/XX/XXXX Status : OPEN Balance : {$1900.00} Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$2300.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Discharged Amount : {$0.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Dismissed Amount : {$0.00}

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 2020-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
The wrong information was typed in on my 1040 form to the irs. The information entered was a routing number:XXXX ( a bank of a America routing number ) and account number  XXXX. The problem is that 2 numbers were omitted from the form. When I called the company the representative I talk to just said that it wouldnt go through but made no attempt to explain in accurate detail what was going i later learned later that day that the info he gave me on what would happen was incorrect. He didnt make an attempt to make sure that the payment was not going to go in a another persons account or see if Bank of America sent the payment back to the irs

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 2020-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Please help! I did not authorize transactions on PayPal. I contacted the company but I did not receive any money back. There are 2 amounts was unauthorized. One is {$450.00} to XXXX XXXX and another one is {$500.00} to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$110.00} Reason : Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$550.00} Reason Original Creditor : XXXXXXXX XXXX XXXX   Open Date : XX/XX/XXXX Status : OPEN Balance : {$510.00} Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$490.00} Original Creditor : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$11000.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$790.00} Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX GA Open Date : XX/XX/XXXX Status : OPEN Balance : {$1900.00} Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$2300.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Discharged Amount : {$0.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Dismissed Amount : {$0.00}

Company response to consumer: Closed with explanation