vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: SUNTRUST BANKS, INC.

Complaint narrative:
I transferred XXXXUSD from Suntrust Bank ( XXXX XXXX XXXX ) to XXXX XXXXXXXX XXXX onXX/XX/2018. The Reference Number is XXXX. Unluckily the banker in the Suntrust Bank made a huge mistake on the recipient bank number, so that I can not receive the money in XXXX. I also phoned the Suntrust Bank ( XXXX XXXX XXXX ), but nobody answered.The XXXX XXXX XXXX also sent a letter to the bank, asking for an amendent letter for the correct recipient bank number as soon as possible. Otherwise the money will be refund to Suntrust Bank ( XXXX XXXX XXXX ). I am so worried. Please help me XXXX this case. Please contact me by email ( 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 2018-02-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I wrote to XXXX, Equifax and XXXX asking them to explain why my credit score was lower than it should be. Specifically, i explained that I have perfect credit, no delinquencies, no derogatoriness, exceptionally low credit use to credit available, all credit paid in full monthly, all property owned free and clear, over {>= $1,000,000}. in liquid assets, XXXX debt and in over 50 years never a charge off or any credit issue. Considering all of this I asked why I am not a perfect 850 score. I asked that they either increase my score to 850 or explain how they calculated my score, about 790-815. It seems to change monthly. They send form letters stating that your score is calculated using four main factors. Delinquencies, derogatory comments, debt outstanding to credit available and total debt, which can be to high or to low. When you call to speak to a credit representative to ask them to explain it they basically say that is just what it is. I ask that if everything is perfect then why is my score not perfect or why will they not explain where and why I lose points. My latest letter was sent on XX/XX/18. All of this is verifiable. Their own reports corroborate what i am saying. i can verify the asset numbers and can verify income, which i told them i would do if they would agree to change my score to 850 if I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: CT

Complaint narrative:
on XX/XX/2017 I filed a complaint with Bank of America after there was a fraudulent transaction was made on my account in which {$350.00} were withdrawn through a teller transaction that occurred on that same day. I explained to the fraud and claims department that I had visited XXXX XXXX XXXXXXXX the weekend prior and I had visited several businesses where i used the card and had also utilized an ATM. I did however still have the card in my possession. After investigating, Bank of America chose to deny my claim saying that both a debit card and correct pin were used ( even though i still had the original card in my hand at the time of the fraudulent transaction ). I appealed the decision and by XXXX my appeal was denied once again. After looking through various governmet resources and statues, it seems that my situation warranted for me to only be liable for a maximum of {$50.00}, however, Bank of America has chosen to ignore their responsibilities in keeping their customers data and financial holdings secure by allowing the illegal and fraudulent copy of a debit card to be used in a teller transaction without any form of scrutiny whatsoever.

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 2018-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
I deposited a check on XX/XX/XXXX via mobile deposit with XXXX XXXX XXXX. The check was from XXXX. I was not told when it would be available. I contacted the institution on XX/XX/XXXX and was told that the funds would be available on XX/XX/XXXX, but that I could reduce that by a day by linking an account. I did so. I called on XX/XX/XXXX and was told that the funds would be available on XX/XX/XXXX, and that linking the account made no difference. On XX/XX/XXXX the funds were still not available. I called and was told that since it was a new account, funds would actually not be available until XX/XX/XXXX. After I pointed out that the depository agreement did not state this, I was told that the problem was actually that they were unable to verify the funds on a XXXX check ( from the financial institution ), and that the funds would not be available until XX/XX/XXXX. I have been given multiple reasons why a check from a different bank can not be credited to my account, and a multitude of dates as to when it will be available. I want this money credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX-Balance transf {$6600.00} XX/XX/XXXX. Trans fee {$200.00} XX/XX/XXXX int charge {$46.00} XXXX called AMEX..was a blance transf with no interest. They will take care of it. 
Rec letter dated XXXXthey are working on it. 
XX/XX/XXXX Int charge {$81.00} XXXX called and spoke to XXXX. She sees I called before. They are still working on it. 
XX/XX/XXXX Int charge {$82.00} XX/XX/XXXX called and spoke to XXXX. Put on hold. She spoke to supervisor and got authorization to process adjustment of {$200.00} Didnt see the adjustment so on XX/XX/XXXX called and spoke to XXXX.he told me they are working on it. I asked to speak to a supervisor. I talked to XXXX and again explained it should be an easy fix. My statement shows the {$6600.00} as a purchase not a balance transfer. She said management is aware of the problem. I asked to speak to management. She put me on hold and came back and said they werent available but could call me back. After a 27 minute call with no results, I said no thanks. 
XX/XX/XXXX Int charge {$73.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Balance of insurance money to finish up the house ... received letters from Chase ( 2 attached, dated XX/XX/XXXX & XX/XX/XXXX ) that if the inspection report came back at least 90 % they would release the balance of the insurance claim money. 

Inspection was done on XX/XX/XXXX and report states that we are at 90 %. This report was sent to Chase. Chase sent it back to the inspector state8ing that the homeowner canceled the inspection ( which was not true ). Inspector was at the property inspected the property and had the contractor sign the report, also showing that they were on the property and had completed the inspection. The inspector sent the report back to Chase stating that the homeowner did not cancel the inspection and that the inspection was complete and the inspection report was complete and sent the report back to Chase. Chase has had the report for 2 days. I called Chase yesterday and the Chase representative stated that they were still waiting on the report ( when in fact they had received the report 2 days prior ). Just yesterday my contractor received 3 or 4 calls from other inspection companies hired by Chase to come and do an inspection for 100 % ( we just received the inspection that came back at 90 % last week, all that is required by Chase in their own words ( SEE THE LETTERS ATTACHED ). It seems to me that Chase is playing games and keeps changing their own rules that they have set and actually put in writing to me in the two ( 2 ) attached letters. This is WRONG ON EVERY LEVEL. The ONLY resolve for this issue is that Chase release the balance of the insurance money!!! ASAP, the only resolve after that would unfortunately be a lawsuit ( I WILL HIRE A HIGHLY QUALIFIED ATTORNEY TO SUE CHASE FOR DAMAGES ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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:
My student loans are reporting as late but were never late due to a retro active forbearance.

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 2018-02-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My student loans are reporting as late but were never late due to a retro active forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: IL

Complaint narrative:
My student loans are reporting as late but were never late due to a retro active forbearance.

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 2018-02-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
XX/XX/XXXX I received a letter from XXXX County informing that my property taxes were overdue. I contacted Freedom immediately to inform them of this situation and then emailed a copy of the original bill and overdue bill with interest. Since this was a Saturday, I followed up with Freedom during the work week to ensure information was received. I was informed that your tax department has 30 days to take care of this matter completion date of XX/XX/XXXX. 

XX/XX/XXXX I received a letter from XXXX County informing me of a collection notice. I contacted Freedom and informed by ID : XXXX legal action would be taken on Freedom Mortgage, not myself. I was reassured Freedom was the responsible party and the county would not take action against me and that payment would be submitted by XX/XX/XXXX. 

XX/XX/XXXX I contacted the XXXX County who informed me civil action has been taken against me and they have contacted my employer to garnish my wages. I spent over 2 hours on the phone with Freedom Mortgage attempting to get this resolved ( throughout the course of 4 phone calls ). I also had to take the morning off to go to the county tax office. I informed Freedom at XXXX eastern the severity of the situation and that I was now being financially punished for their failure to pay my property tax bill. I was assured it would be handled and paid by XXXX eastern. At XXXX I followed up still no payment. I was escalated ( above general supervisors ) to ID : XXXX and told she would be escalating to her supervisor and I would receive a callback at XXXX on XX/XX/XXXX. 

XX/XX/XXXX I reached out to Freedom at XXXX after not receiving a call-back and payment has yet to be handled. I am yet again being escalated above the supervisor level and awaiting a callback from supervisor of ID : XXXX, no known ID but her name is 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 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
As I prepare to apply for a mortgage, I pay everything off and wake up to a fraud alert on my experian which has spread to all three bureaus. I spent in excess of 8 hours calling the bureaus to remove this alert. The alert started with experian. I called with a 2-2.5 hour wait on hold to even reach the first person, to be asked questions from an unknown period in my life to prove my own identity, only to be hung up on and have to call back wait 2.5 hours to speak to the first person to have this fraud alert removed, assured it was taken care of to allow 48 hours for the removal. 48 hours later, the fraud alert comes back. I can not spend 8 hours every 48 hours to fix an erroneous fraud alert placed on my credit. My current lease is about to expire and I cant not have this on my credit report to apply for a mortgage. It is very frustrating and I have no idea where else to turn to get this issue resolved once and for all. They do not give me the information of where this is happening or what I need to do to fix this completely.

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 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RAS LaVrar, LLC
State: GA

Complaint narrative:
RAS laVrar , LLC responded to my previous CFPB complaint # XXXX however the response was not adequate to what I requested in the last response. RAS Lavrar , LLC indicated that they were updating their files to cease all communications with me, in which I never requested, however I requested for RAS LaVrar , LLC to not come out to my home address and they avoided giving me a response to that request. Also RAS LaVrar , LLC indicated that lawsuit was filed against me, in which I was already made aware of that matter, however I requested for the lawsuit to be dropped against me and I never got a detailed response to that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: WI

Complaint narrative:
XX/XX/XXXX.

To whomever, I have had a

MoneyGram Account for many years and Errors are common with both MoneyGram.com and MoneyGram Payment Systems. Since I initiated the first of seven transactions
on XX/XX/XXXX MonyGram has not tried to contact me either by e-mail, phone or post.

They held my money for the first 2 trans
actions until my receiver e-mailed me on XX/XX/XXXX to tell me MG was holding the money and would not give it to him. 
{ the first was sent on the XXXX and the second was sent on the XXXX } and I receive no notice from MG. 

Unaware of what was going on, I tried to send three more on the XXXX they kept getting an error before I could complete them. Assuming MG was have trouble I tried two more later and was able to get them through.

After an 8 min. call on XX/XX/XXXX, MG gave me two new Numbers and I had to go to a MG store and get my money back. STILL nothing was said about the on line transactions. The only explanation was we choose not to do business with you. 

The initial attempt was on XX/XX/XXXX, I then started to check the accounts on line and discovered the three transactions were still in my MG account marked WITH A RED ERROR, on the XX/XX/XXXX and my bank account had three pending charges for them. 

On Friday XX/XX/XXXX the transactions were completed in the Bank account and still no word from MG. 

After I made a 40 minute phone call to MG on Friday they told me they would need two business days to investigate and correct the problem. That I should see the resolution on Wednesday XX/XX/XXXX. 

Wednesday came and there was NO CHANGE ON EITHER ACCOUNT. 
Another 22 Minute phone call reveled NOTHING, and I was told they needed another 72 hours. 

I called XXXXXXXX XXXX and after another 26 minute call they said they could make the funds available in 12 hours. 

Then on XX/XX/XXXX three transactions showed up on my bank account as pending and the transactions on my MG account were changed from A RED ERROR to canceled. 

I still have not been contacted by MoneyGram.com or MoneyGram Payment systems???? 

I just received three notices from collection agency on XX/XX/XXXX. 
I do not know that You are not a scam and I need an Official notice from MoneyGram.com. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: AES/PHEAA
State: IL

Complaint narrative:
My student loans are reporting as late but were never late due to a retro active forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XX/XX/2017 ( 1 yr ) Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Claim : {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Judgment Recovery Center, L.P.
State: TX

Complaint narrative:
On XX/XX/18, XXXX XXXX XXXX Attorney for National Judgment Recovery Center, L.P. as assignee of XXXX XXXX XXXX froze and is trying to garnish my saving account which is social security money and is my only means of support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal has a new scam they are doing. They have now added a immediate transfer pay option from paypal to my bank account which cost XXXX cents per transaction. I f you do not use this new transfer method then you can make a transfer using the normal transfer that takes 24-96 hours. The problem is that when you choose the normal transfer, XXXX send a pop up message reading, " the transaction now has to be reviewed by paypal because of security suspicions, and may take up to 1 hour ''. Paypal will now sit on these assets for transfer anywhere from 1 - 3 business days. They are collecting interest on consumers behalf by holding these assets for a longer period. Total new scam they have come up with. The time table that they give for review is an hour, but more that ten ( all ) have all been held for 3 - 4 business days. Not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing is using insider relationships with its crooked law firm XXXX XXXX who is training fairly new lawyer XXXX XXXX to assist the pretender lender loan servicer with embezzlement white collar crimes so the pretender lender loan servicer can temporarily increase its revenue.. I will be filing a lawsuit again XXXX XXXX law firm and its crooked lawyer XXXX XXXX for assisting with fraud claiming to have looked at all the documents having personal knowledge using its cozy relationship with XXXX threatening me with trustee sale coursing me into hundreds of thousands of dollars in fraudulent increased modifications releasing Ocwen from liability denying me to have any rights to discuss Ocwen white collar crimes with Congress and others, attempting to trap me into a cornier during the time I was under physicians care. I have already consulted with personal injury lawyers who are currently working with authorities and my physicians on my matter preparing to file action against XXXX XXXX. I will never lay down to Ocwen white collar crimes and its shady relationship with XXXX XXXX who is assisting with embezzlement which has caused me and my family serious permanent extreme harm which can not be reversed.

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 2018-02-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX, XXXX and XXXX all are reporting that I paid my Wells Fargo mortgage late. I did a Home Modification with Wells Fargo. I even have a letter from Wells Fargo that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. Wells Fargo stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late!

There's also two Wells Fargo Mortgage accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by Wells Fargo but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have 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