vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I would like to reopen a disputed transaction that Bank of America considered as resolved. It is about my recent dispute transaction with XXXX ( Claim ID:XXXX ). XXXX took out {$100.00} from my account without my authorization because their ticket buyer claimed that I sold invalid tickets. XXXX emailed me about this and asked me to obtain every proof that I can get from the venue itself, as well as my proof of purchase. I replied to their email right away and gave them everything they asked for ; however, the venue was not able to give me ticket scans. I sent XXXX all my chat conversations, and they have decided to take out the money from my account without giving me proof that their buyer was telling the truth. I am furious that Bank of America allowed XXXX to take out money from my account without my authorization. During the dispute process, XXXX sent them data and information about the transaction, and sent them user agreements from their website. As quote on quote stated on their user agreement : " If you fail to respond to this email and or to take any other actions required by XXXX to investigate the invalid ticket claim, you may be charged an amount equal to 55 % of the cost of the original tickets. In addition to the invalid ticket charge described in the paragraph above. A respnse constitutes an acknowledgment of our request and bonafide the effort to investigate the clain and obtain documentation. HOWEVER, FAILING TO RESPOND, AND NOT BEING ABLE TO PROVIDE DOCUMENTATION ARE NOT THE SAME. WE UNDERSTAND THAT EVERY TEAM AND VENUE IS DIFFERENT, AND THERE MAY BE CASES WHERE YOU CAN NOT OBTAIN DOCUMENTATION TO ASSIST IN THE INVESTIGATION. IN THESE CASES, WE 'LL WORK WITH YU AND USE YOUR HISTORY WITH US, SPECIFICALLY YOUR INVALID TICKET CLAIM RATE TO DETERMINE THE RESOLUTION. '' XXXX in no way worked with me on this when I emailed them and asked them for proof that the buyer was not lying and was not able to use my tickets. They did not reply back after they have already taken out the money from my account. I used their chat option to be able to talk to a representative, and I told the chat agent that I have a clean selling history with them and asked them to reconsider their decision, but they refused to give me that and they blocked me from using their website. Bank of America overlooked this on the documentation that XXXX sent them, and I still do not understand why Bank of America considered this as resolved when nothing has been resolved. XXXX refused to work with me even though their user agreement states that they will work with sellers when it comes to special cases like mines.

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 2017-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I am writing this letter in regards to late payment reported by Loan depot my current mortgage company it was for the month of month of XXXX 2017.. On XXXX XXXX, 2017 Loan depot LLC, branch in the XXXX XXXX XXXX, CA called me because I qualified to refinance, my FHA Line of credit.
I agreed to refinance because the new loan was with same mortgage company Loan Depot and we started paperwork, the loan number was XXXX. During the refinance process I was dealing with XXXX XXXX he was processing loan. I asked XXXX XXXX  if I should continue making payments on my current loan.
XXXX XXXX was going to ask supervisor if I needed to make a payment for XXXX. Manager calls me back in regards to payment. I was told hold on wait until they got a payoff amount.
I did not receive anything in mail. I was under the impression that my loan was approved.
I would still be in good standing, because I would have made a payment on time for XXXX. I did not receive a written letter from Loan Depot LLC until XXXX XXXX, 2017 that loan was denied on XXXX XXXX, 2017. That was unethical on their part, the letter should have been mailed earlier.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, I am filing a formal complaint in news of the Navient/ XXXX XXXX lawsuit. From the dates, XX/XX/XXXX to XX/XX/XXXX I was unable to make any payments on my loans due to my financial status. I was working XXXX jobs and barely could make ends meet. I was told by at the time XXXX XXXX that my only option was to go into forbearance which I did every 3 months until I was making enough to make some of the payments, I have never missed or went into late payment history I knew that would be worse in the long run for me. What I did NOT know is every time I put my payments " on hold '' XXXX XXXX/ Navient was added thousands of dollars onto my interest charges during that time span. To this day I struggle making my payments. I make decent money but never seem to get ahead and in turn has resulted in thousands of Credit Card debt due to my student loan payments being so high. I hope this complaint helps me and others come to some type of justice. Thank you, -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kirkland Asset Management LLC
State: CA

Complaint narrative:
I received a call at my place of employment from XXXX XXXX from XXXX XXXX XXXX ( employee # XXXX ) from a local ( XXXX XXXX County, CA ) number. He stated my father was on the phone ( my father is deceased for 10+ years by the way ) They had the wrong name ( message was for XXXX ) and they said that I took out a payday loan from XXXX XXXX ' XXXX and stopped making payments. They said I have a remaining balance {$3600.00} ( I believe this is illegal per fair debt practices laws ). They are going to sue my " father '' - civil law suit - and file a XXXX form withholding his fed/state tax return to obtain the judgment to satisfy their request. They are also attempting to contact his employer to verify employment so they can garnish his wages. With questions call XXXX x XXXX Reference Case # XXXX. Then said " as per law, legally '' my father has been notified ( such as yourself ). I have a recording of the voicemail. I called their office and they would not transfer me to " XXXX XXXX '' and said they were with a law office. When I tried to ask more info they hung up when they realized I was n't " XXXX. '' They called again the next day from the same number ( XXXX ) and I answered and asked who they were calling from and they said XXXX XXXX County and asked me for the social security number for " XXXX '' and when I refused they got aggressive so I hung up. I called back and asked for the name of their company and they refused to tell me. I threatened to file a complaint so they transferred me to a manager. I spoke to the manager and she said they were XXXX and were based out of New York. They asked for the number I was getting calls but because it was a work number with a direct line and other lines connected, I was n't sure what number. They asked for " XXXX 's '' last name but I obviously did not have it. They asked how I knew it was regarding a payday loan and I said because you told me on the voicemail. I told them I was going to report them and they said " we know the laws, go right ahead. ''

Company response to consumer: Untimely response
Consumer complaint received 2017-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I called XXXX XXXX, XXXX XXXX 2017, regarding the Genesis loan that I received while attending XXXX. The program/school has been found to be fraudulent and thus I requested my private loans to be discharged. There was no supervisor available, nor was there anyone that could discuss or authorize the discharge. I then was then given an incorrect number of someone else to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
X/X/2017 card an unauthorized use of debit card at an ATM at XXXX XXXX XXXX XXXX in XXXX, indiana. XXXX transactions, consecutively. # 1 for {$100.00} + {$3.00} fee # 2 for {$100.00} + {$3.00} fee # 3 Chase stopped the charge. Received email from Chase at XXXX about charges. Email attached. Email opened between XXXX-XXXX on X/X/2017 Immediately clicked Link to say NO these are not my charges. XXXX XXXX XXXX XXXX XXXX XXXX Link said they would call me and stop my card. Nobody called. I checked my online account multiple times to ensure additional charges were not being incurred. Clicked the link in the email multiple times on X/X/2017 because I did n't receive a call. On XX/XX/XXXX I called Chase to ensure my account was closed and to get a new card. On X/XX/2017 Chase reversed my fraud claim with this reason : 1. I reviewed my online bank account more than 2 times 2. I did n't " report '' the fraud until XX/XX/XXXX ( while reviewing my account ). Called XX/XX/XXXX to dispute again, Chase advised to go file a police report and then fax it to them to reopen the claim. Called police on XX/XX/XXXX, they said to come in Monday. Filed police report XX/XX/XXXX. Purchased police report for {$6.00} to send to Chase via fax. Paid {$5.00} to fax police report to Chase on XX/XX/XXXX XX/XX/XXXX Chase denied my fraud claim again. Called Chase XX/XX/XXXX to dispute. Advised that my claim was denied again. 1. I reviewed my online bank account more than 2 times 2. I did n't " report '' the fraud until XX/XX/XXXX ( while  reviewing my account ). Additionally, Chase said I never clicked the above link from the email. This is 100 % inaccurate and they must have an issue with their link/email tracking, as I clicked the link over 3 time. Still can click the link today and nobody calls. I should not be penalized because their method of fraud alerts does n't work when customers respond. Had the email said, call us right away if these were n't your charges, I would have called, but they did n't not do that. They said click this link - I did. Their link failed them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I was working with BB & T Mortgage to modify the payment on my home. I am afraid to loose it. They asked me for my income and I sent it to them. On XXXX XXXX, 2017, I was told by their representative that the loan is under review and no other documents were needed. I call on XXXX XXXX, 2017 and now they closed and denied any assistance because my pay stubs do n't have a year to date total. I went over my pay stubs with them and they told me they were received and in fact they do have year to date totals and unfortunately my loan is denied because the single point of contact or case manager did not read my pay stubs properly. They stated they will not open it again and mean while, I am in dire need of assistance and I may loose my house for their negligence in reading pay stubs.

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 2017-07-26 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: FL

Complaint narrative:
Under the new law effective XXXX 2017 any public record data must include name, address as well as SSN and DOB in order for it to appear on your credit file not to mention it should also be verified. XXXX  and XXXX has removed this incorrect information from my credit profile. Transunion has failed to update the information and per the new law true bankruptcy listed does not contain this information and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
In XX/XX/XXXX I attempted to close out my profit sharing account from a company that I worked for previously, the funds being deposited with Wells Fargo Investments. The Wells Fargo Investments that the funds are with is located in Texas I was told that I could not do so until the end of the quarter which was XX/XX/XXXX and that I would be able to have my money in it 's entirety the 1st week of XX/XX/XXXX. I filled out all the necessary paperwork that was given to me to do this total close out of this account. I mailed the paperwork back to them as instructed. I have not received my money. I called today and was told that I could not get it at this time. I spoke with the person who handles the profit sharing for the company and he was in contact with Wells Fargo. He ( XXXX ) was told The person that handles these accounts was on maternity leave and they did not have anyone to replace them and they did not know when the person would be back so I could not get my money. They acknowledged that they had received the necessary paperwork. I borrowed money in XX/XX/XXXX based on the fact that I was to get my profit sharing funds ( now in excess of {$40000.00} ) in XX/XX/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 2017-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meade Recovery Services, LLC
State: UT

Complaint narrative:
Meade Recovery Services has been sent XXXX requests in written correspondence to the address they themselves provided. XXXX requests for validation of the amount reporting on my credit report of XXXX have been sent via certified mail, both of which they refused to respond to. I have attached XXXX request sent certified mail on XX/XX/XXXX, as well as a cease and desist notice when they failed to respond. In order to validate this " account '' and the balance reported as owed, Meade Recovery Services violated my legal right by failing to provide me any documentation whatsoever, which has been requested in writing twice since XX/XX/XXXX. I provided updated contact information to hopefully help facilitate getting the documentation I needed to be able to know what this account was, and dispute it if appropriate. Meade Recovery Services violated FDCPA regulations by 1 ) failing to provide documents to validate, including date of service or services provided, and 2 ) by continuing to collect or threaten legal action if it 's not resolved without first providing the validation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: MI

Complaint narrative:
I had two Discover credit cards XXXX and XXXX which I stop using in XX/XX/XXXX due to them moving money from one card to the other, adding charges that were not mind and others. I did a XXXX for law suites against XXXX and noted quite a few of the that required them to pay back their card holder the money that they illegally charged. I did not receive any refunds from then in fact the assed more charges to my cards because I stop using them! They also tried to get money out of my bank and from another credit card that I have! One of many court order that XXXX is not following. The Discover Fake Credit Card Agreement Class Action Lawsuit is XXXX XXXX v. Discover Bank, Case No. XXXX, in the in the Supreme Court of the State of New York , County of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have disputed items on my credit report from this company asking for verification and validation of a written agreement with them. This company has verified my account as accurate and sent a copy of a credit card statement. This is no showing that the information is accurate or owed to them. After I submitted a disputed they have since added new records to my credit report for the same company but different amounts. They have failed to respond the the other disputes I have filed but have makes them as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ID

Complaint narrative:
Contacted my employer and asked for the payroll department. Told payroll my name and that I was being sued and needed personal information. Gave them the number to a supposed attorney. They were vague, rude and kept bringing up the point that i was being sued. I have no knowledge of this lawsuit and have received nothing by mail. The call was forwarded to me and the caller was speaking very fast stating I am attempting to serve you papers and you have 2 hours to call the attorneys office of XXXX XXXX XXXX so you do n't miss your court date. He gave me the number then hung up. Very confused I called the number provided and the recipient identified himself as an attorney stating I was being served papers and being sued for moneys owed to HSBC. I received nothing by mail and was confused to the debt so I inquired to send me literature on this for vetting. He kept bringing up that the debt is valid but we could settle for an immediate payment. Hesitant I said not now as I 'm suspicious and he gave me another number tho the " owner '' of the debt. I spoke with her and again she was rude, in a hurry and said her company does this all the time and does n't want to waste her time talking this out and will gladly just garnish my wages, intercept my tax return or levy my property unless i agree to payment terms immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the new law, which went onto effect XXXX XXXX, 2017, any public record data must include name and address as well as SSN and DOB in order for it to appear on my credit file. As seen from my attachments, the credit bureaus have not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under the new law effective XXXX 2017 any public record data must include name, address as well as SSN and DOB in order for it to appear on your credit file not to mention it should also be verified. The credit bureau has failed to update the information and per the new law true bankruptcy listed does not contain this information and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: SC

Complaint narrative:
I had my checking account with key bank for almost a year and my account got closed for no reason.and now its been a month after my account got closed.and key bank refuses to send my balance they tell me i have to wait another 30 days for me to get my money.it is against the law to hold my money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CT

Complaint narrative:
SouthWest Credit Systems Has attached an unknown debt to my credit report. I do not have an account with Southwest Credit System and I do not have an account with XXXX. Please remove this wrongful account from my credit report.

Company response to consumer: Closed with explanation