vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I submitted a complaint to the CFPB concerning the fraudulent activity that occurred on XX/XX/19.The case # XXXX. My money in the tune of {$32000.00} was diverted to a fraudulent account at SunTrust Bank, Routing # XXXX Account # XXXX. 
When XXXX XXXX attempted to reverse the wire they discovered there was a mismatch in the name on the account and the routing number. 
The fed payments manager - funds indicated on XX/XX/19 amt. {$32000.00} usd please be advised funds auto posted on the original wire however XXXX name and account do not agree. The {>= $1,000,000} was to be deposited into XXXX XXXX account for my closing. The money was diverted to the fraudster 's account with his account and routing number but DID NOT have XXXX XXXX  name on the account. 
Sincerely 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 explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On Saturday XX/XX/XXXX, I attempted to make an atm withdrawal in the amount of {$240.00}. I was unable to, due to a fraud block placed on my card. I called Bank of America customer service. which took me an over 1 hour to get someone on line. The feature the bank has to call you back rather than wait. Is not helpful at all. I was asked about a few transactions that occurred with my debit card and verify it all, except for 1 charge that was overseas. I was told the card was compromised and I would get a new card in the mail. On Monday XX/XX/XXXX I seen the credit card payments I made, and by the end of Mondays day I had deposited enough money to the account to cover the credit card payments and left with a positive balance of {$96.00}. On XX/XX/XXXX, I was charged with four {$35.00} fees Because of the {$1000.00} charge the fraud department placed on the account that I wasnt aware of would be in the account. I spoke with a supervisor on the phone and he had could not understand the issue. Since then Ive been hit with additional fees to the account for more than {$300.00}.

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 2019-03-09 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In response to Wells Fargo 's closure to my complaint ( ref # XXXX & XXXX & ) I'm again very displeased with the lack of accountability and total disregard of the financial harm inflicted on all victims of Well Fargo 's Pick-A-Payment mortgage loan that it so sanctimoniously stands behind and thereby supports. Once more Wells " special '' representative assign to review my complaint called on XX/XX/19 to inform me of her findings and again to my disappointment it was evident that she had investigated for closure rather than for fair and amicable resolve. I had to once again explain that the Modification once approved by then XXXX did nothing to provide any sustainable financial relief, but rather placed my outstanding payments due on the back of the loan with no interest rate or payment relief. When I went on to once again explain that by accepting the so-called " Modification '' the terms forfeited my rights to pursue any legal action ( have supporting documentation ), she seemed unaware and unfamiliar with my complaint and to the degree of Wells legal responsibilities.Please now be advised that I've hired the law firm of " XXXX XXXX XXXX  '' and in correspondence with my District Attorney XXXX XXXX for a full investigation, but keep standing behind this destructive loan product and the unjust decisions that were made along the way.

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 2019-03-09 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: GA

Complaint narrative:
In lieu of several attempts to have this matter corrected I am requesting that a human being investigate this matter personally and not a automated computer system. I do not owe this debt. XXXX XXXX and the credit bureau are in violation of my rights under the FCRA. By law I have the right to request documentation proving the debt is mine and is valid. XXXX XXXX has failed to provide any proof this debt is valid to myself or to the credit agency. Each time a complaint is filed against XXXX they claim the debt is valid without furnishing any documentation. XXXX, TransUnion and XXXX have also failed to formally review proof of debt by XXXX. I am again formally requesting that XXXX and the credit agency formally provide proof that this debt, balances and dates are accurate. If this matter is not resolved an investigated within 30 days I will be filling a civil suit against the credit bureau.

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 2019-03-09 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: GA

Complaint narrative:
In lieu of several attempts to have this matter corrected I am requesting that a human being investigate this matter personally and not a automated computer system. I do not owe this debt. XXXX XXXX and the credit bureau are in violation of my rights under the FCRA. By law I have the right to request documentation proving the debt is mine and is valid. XXXX XXXX has failed to provide any proof this debt is valid to myself or to the credit agency. Each time a complaint is filed against XXXX they claim the debt is valid without furnishing any documentation. XXXX, XXXX  and Experian have also failed to formally review proof of debt by XXXX. I am again formally requesting that XXXX and the credit agency formally provide proof that this debt, balances and dates are accurate. If this matter is not resolved an investigated within 30 days I will be filling a civil suit against the credit bureau.

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 2019-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ECMC GROUP, INC.
State: NJ

Complaint narrative:
We are trying to refinance these loans at a lower interest rate with another institution and XXXX/ECMC have failed to supply us with the proper pay-off documentation. In addition they have incorrectly categorized the loans as in default due to bankruptcy. These loans are not part of any Bankruptcy Plan and should not be categorized as such. In addition several attempts to correct both this error and a pay-off document have been met with failure on their part to make any effort to correct.

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 2019-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank NA closed all XXXX of my credit cards accounts that I have with them. 
Their reason was that " there was a suggestion that I was indicted for fraud ''. 
My company had a billing problem that resulted in an initial indictment against me. However, the court dismissed the charges and I was not charged with any wrongdoing. 
Citibank decision to close all my accounts was therefore unfair and discriminatory.

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 2019-03-09 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In response to Wells Fargo 's closure to my complaint ( ref # XXXX & XXXX & ) I'm again very displeased with the lack of accountability and total disregard of the financial harm inflicted on all victims of Well Fargo 's Pick-A-Payment mortgage loan that it so sanctimoniously stands behind and thereby supports. Once more Wells " special '' representative assign to review my complaint called on XX/XX//19 to inform me of her findings and again to my disappointment it was evident that she had investigated for closure rather than for fair and amicable resolve. I had to once again explain that the Modification once approved by then XXXX  did nothing to provide any sustainable financial relief, but rather placed my outstanding payments due on the back of the loan with no interest rate or payment relief. When I went on to once again explain that by accepting the so-called " Modification '' the terms forfeited my rights to pursue any legal action ( have supporting documentation ), she seemed unaware and unfamiliar with my complaint and to the degree of Wells legal responsibilities.Please now be advised that I've hired the law firm of " XXXX XXXX XXXX '' and in correspondence with my District Attorney XXXX XXXX for a full investigation, but keep standing behind this destructive loan product and the unjust decisions that were made along the way.

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 2019-03-09 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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In response to Wells Fargo 's closure to my complaint ( ref # XXXX & XXXX & ) I'm again very displeased with the lack of accountability and total disregard of the financial harm inflicted on all victims of Well Fargo 's Pick-A-Payment mortgage loan that it so sanctimoniously stands behind and thereby supports. Once more Wells " special '' representative assign to review my complaint called on XX/XX//19 to inform me of her findings and again to my disappointment it was evident that she had investigated for closure rather than for fair and amicable resolve. I had to once again explain that the Modification once approved by then XXXX did nothing to provide any sustainable financial relief, but rather placed my outstanding payments due on the back of the loan with no interest rate or payment relief. When I went on to once again explain that by accepting the so-called " Modification '' the terms forfeited my rights to pursue any legal action ( have supporting documentation ), she seemed unaware and unfamiliar with my complaint and to the degree of Wells legal responsibilities.Please now be advised that I've hired the law firm of " XXXX XXXX XXXX  '' and in correspondence with my District Attorney XXXX XXXX for a full investigation, but keep standing behind this destructive loan product and the unjust decisions that were made along the way.

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 2019-03-09 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CO

Complaint narrative:
NetSpend has a product called Skylight One that allows people to sign up with an email address and get their paychecks deposited to a prepaid card of some sort. 

This company, however, does not verify the email address when signing up, and someone else has used my personal email account. NetSpend refuses to correct this entry in their database, do I continue to get messages for this customer, which has revealed to me the person 's first name and last 4 digits of the prepaid card signed to them, which I consider to be a data privacy beach. 

NetSpend support representatives tell me there's a " security reason '' ( their words ) that block them from correcting their system and removing my email address, which is now also a CAN-SPAM violation, do I'll be pursuing a complaint there as well.

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 2019-03-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Im not quite sure why my credit score went down XXXX points??? I have had no change except disputes on my report. This is crazy. I need someone to contact me regarding this system they follow regarding credit reporting. This system sucks and they are robbing people blind

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 2019-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
I am an identity theft victim. My computer was hacked in XX/XX/2018 while attempting to get customer service over the phone from XXXX for a printer installation. XXXX XXXX confirmed that all my information had be compromised. My email was compromised by receiving fraud emails from XXXX XXXX. I have been a victim of theft of my bank and credit accounts. XXXX is one account that has been established during this theft. I have submitted identity fraud reports and police reports to all credit bureaus as well as this company. They continue to harass me as I am a victim.

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 2019-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
They owe me over XXXX for closing on my property at XXXX XXXX XXXX XXXX. 
I have called them, written them, emailed them NUMBEROUS times and they give me a reply that it will take 10-14 days to reply and then reply with some nonsense, not researched and just say they are right. 
They have incorrect information ( the closing was on XX/XX/XXXX - not XX/XX/XXXX ). 
They have a payment of over XXXX that was automatically and incorrectly remitted from my bank. 

They treat this cavalierly ... .I send them specific information and they come back with unsupported nonsense. 

I am a senior citizen - XXXX years old now with a XXXX XXXX that needs attending to. 

I will not be treated like this and will sue these XXXX  if I dont get my money back immediately. 

Have someone IN AUTHORITY call me from Wells Fargo .... and make sure they have INFORMATION ... not form letters and XXXX. I am XXXX .... 

And VERY upset

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 2019-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/2019 Wells Fargo sent me a letter saying my mortgage was being transferred to XXXX XXXX XXXX. This letter had instructions for the XX/XX/2019 payment. 

XX/XX/2019 my bank notified me the payment was returned, no account found. 

I logged in to my Wells Fargo online account. It said my mortgage was transferred, no other information available. 

XXXX XXXX XX/XX/2019 I called XXXX and spoke to XXXX XXXX at Wells Fargo. She confirmed the website information and said the new servicer may not have completed the transition. She said they would contact me and suggested I contact them. She also said there was a 60 day moratorium on late fees and adverse credit reporting, but offered nothing but verbal assurances. 

I then contacted XXXX XXXX XXXX on line at XXXX XXXX XX/XX/2019. 

Their website said Our records indicate there are no active XXXX XXXX XXXX Account Numbers matching what you supplied. The information supplied was taken from the XX/XX/2019 letter from Wells Fargo.

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 2019-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I currently have a mortgage with Banco Popular. My mortgage loan has always been set up in auto pay and always paid on time. We moved to Florida in pursuit of new employment in XX/XX/2018 and without any notice, Banco Popular cancel my auto pay and that cause a 30-day late reporting on our credit. We never cancel the auto pay option in our Mortgage with Banco Popular. We have enough funds on our account to cover the regular payment on a monthly basis, Banco Popular failed to give us notice either by phone or mail to let us know the Mortgage was past due. It was not until over 30 days that we received mail letting us know the payment was delinquent. We advise the lender that there was plenty of funds in our account and asked why the payment was not withdrawn automatically as always for over 6 years. They told us the auto pay was cancel. We never cancel the auto-pay option. The account was set up from the beginning to be used only for Mortgage payment only it was set up for that purpose. Banco Popular refused to research why the auto pay was cancel and they have no record or evidence in writing or in the computer showing date and time of cancellation. They refused to remove the 30-day late payment from our credit. It has damage our perfect mortgage payment history and credit. We need help with this financial institution. They don't have the knowledge neither know the REG 's that are violating when they refused to investigate and correct their error.

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 2019-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank NA denied my application for an XXXX XXXX XXXX account, citing the reason : " The credit privileges on your existing accounts are currently restricted '' They had closed my other accounts that they serviced and their reason was that " there was a suggestion that I was indicted for fraud ''. 
My company had a billing problem that resulted in an initial indictment against me. However, the court dismissed the charges and I was not charged with any wrongdoing. Citibank decision was therefore unfair and discriminatory.

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 2019-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I enrolled at XXXX University Online. I informed the Registrars office that I did not have a high school diploma. They stated that this was not an issue and they could use my " life experiences '' as basis for enrollment. I did not do an entrance exam and I was only given a login and password. I did not understand the curriculum and after 10 days of trying to do it figured out I was not going to be able to. I called the college and unenrolled and was told that my I would not owe anything do to the circumstances of me not having a high school diploma. I have sent Navient " My Loan Holder '' several documents stating the facts, all the documentation that is needed for loan discharge but I keep getting the run around and the generic Denial Letters. I believe that they are not investigating the situation. They keep saying I was enrolled in XXXX University XXXX, which I have sent proof from the National Student Loan Data Systems and the registars office at XXXX University XXXX. The last response I received from Navient is asking for verification from the college that I was not given an entrance exam. How do I complete that since the college is no longer in business. I am one of the many victims that XXXX University Frauded. I have attempted to rectify the issue with Navient with no success. I am in need of the CFPB help to make this matter right.

Company response to consumer: Closed with explanation