vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a complaint with XXXX and XXXX on XX/XX/XXXX andcXX/XX/XXXX due to Capital One keeps not reporting fairly. Each month they either skip or report information from the month before billing cycle. I paid Capital One in full on XX/XX/XXXX before my bill cycle ended and they have I owe them {$77.00}. The last time my credit report shows Capital One reported my account balance was XX/XX/XXXX. This report was obtained by XXXX on XX/XX/XXXX. Capital One did not report for XX/XX/XXXX and should be reporting for XX/XX/XXXX in the next few days. My account balance on their website shows XXXX owed and {$800.00} available limit but they failed to report this since my last payment. CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$390.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$800.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$77.00} Date Reported : XX/XX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : {$15.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 99 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Credit Card Date of First Delinquency : N/A Comments : Consumer disputes - reinvestigation in progress

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Recently I came across two XXXX Certificates of Deposit ( {$80000.00} ea. ) in the family safe deposit box. I contacted Wells Fargo Bank on XX/XX/XXXX, provided requested information and they opened an Investigative Case, No. XXXX. Wells Fargo has responded to me on several occasions regarding this case with supposition and conjecture but provided nothing regarding the disposition of the CD 's or the funds. All that they have told me is that they keep inadequate records for older CD 's. I have checked Unclaimed Property with the State of California and found nothing. I want Wells Fargo to show me proof for the disposition of these CD 's. I will not accept assumptions or the conjecture that they have thus far provided. I would also like CFPB to stop the unreasonable delays and superfluous correspondence that Wells Fargo has been perpetrating on me in this matter.

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 2017-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On   XXXX   XXXX   XXXX     I received a voice message on my home phone that " suspicious activity '' was detected on my   XXXX   XXXX   XXXX    Checking Acc ount. I was advised to go to a local branch and close my account and to show  2  pieces of identification. I did so the next business day on  X/XX/17    and my account was closed, a new account opened and a new debit card issued. On  X/XX/17    I was at the bank going over my account and it was noted that {$1200.00} was withdrawn from my new bank account that was set up on   XXXX     by  Western Union.  I had my account immediately frozen, a new account opened, filed a Police Report with  XXXX  Police Department and enrolled in   XXXX   XXXX  . I was advised to not use my home computer and to throw it away as whoever had " hacked '' into my account had m y IP a ddress. A fraud complaint was filed with   XXXX   XXXX   XXXX  . All of these things were done. About a week later I started receiving phone messages from  Western Union whi ch I did not return as I had no business with them. On   XXXX   XXXX   XXXX    , I received a letter from  Western Union  demanding payment for {$1200.00 } ( copies enclosed ). I h ave responded to  Western Union  that I do not know the person that is listed on their   XXXX   XXXX   XXXX     letter and did not authoriz e Western Union to debit  my account for any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: KY

Complaint narrative:
I have sent several letters asking this company to verify my debt and they have yet to send over any documentation showing that said debt. They continue to report this debt to the credit reporting agencies which is damaging my credit. I have the right due to the Fair Credit Reporting Act to request this information and be provided with it in a timely manner. If they fail to do so they should immediately have this taken off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: OH

Complaint narrative:
Received medical treatment on  XXXX / XXXX / XXXX  from  XXXX   XXXX   XXXX   XXXX  in  XXXX , OH. Never received any billing on this. I now have a notice from a collection agency dated  XXXX / XXXX / XXXX . I called the medical center directly on  XXXX / XXXX / XXXX . Informed them they never billed me. Customer service states multiple bills were sent and she only named some dates in  XXXX . Informed me they were sent to my current address of  XXXX   XXXX   XXXX ,  XXXX  OH. The problem is this address has only existed for mailing since  XXXX   XXXX  as it is a newly created address. So their customer service is using an address they just updated in their system but would not provide a reason why they did not bill prior to  XXXX  or actually use my real prior address I provided to them,  XXXX   XXXX   XXXX ,  XXXX  OH. I asked if this is now reported on my credit. The customer service person refused to answer this and told me I had to discuss with the collection agency.   XXXX   failed on billing and is the responsible party to correct the issue. I am dealing with   XXXX   and not the collection agency. I expect   XXXX   to be able to answer and resolve the issue because it is their failure on billing. If they or the collection agency reported this to my credit then  XXXX  needs to take the corrective action to remove this report on my credit and acknowledge they failed to bill properly. The bill is for {$690.00} and the collection agency ( Capia Partners,  XXXX  TX  )  is offering a settlement of {$590.00}. I am ready to pay the full {$690.00} as I would have if I was actually billed. I need   XXXX   to be accountable for what they have done to my credit and answer my question regarding my credit record. Customer Service at  XXXX  should not be refusing to answer my question on an issue they are at fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: IL

Complaint narrative:
On  XXXX   XXXX ,  XXXX , My husband and I went to   XXXX   XXXX   located at  XXXX   XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , to purchase a family van for our son who is  XXXX . The price of the vehicle including sales tax was {$70000.00}. We traded in our car, which they valued at {$19000.00} and we also put a down payment of {$8700.00}. I started making payments on  XXXX   XXXX ,  XXXX  of {$670.00} as per the agreement. In the months to follow I noticed that the principal is not reducing the way it should. I called the finance company Bank of the West  (  Address   XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , Phone  XXXX  ) on  XXXX   XXXX ,  XXXX  and requested a transaction history due to not seeing the balance reduce. Also called  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  until they were finally able to send an amortization table. In review it seems that the fixed interest of 5.50 % is not fixed and has been fluctuating. I called once again  XXXX   XXXX ,  XXXX  and spoke with Customer Service representative  XXXX  who stated that there is a Per Diem of 8.23 % and questioned her what is a Per Diem and why was it not explained in the contract. She stated all car loans have a Per Diem the call disconnected. Called back the  XXXX  and spoke with another customer service representative  XXXX , and she was not able to locate anywhere on the contract that a Per Diem would be charged, she then ask ed her manager a nd he stated that the Daily Per Diem is not listed on the contract due to the Daily Per Diem changing each day. I do not find this to be good practice, this should have been disclosed. Also on the contract I noticed that the vehicle we traded in was not included as part of the down payment, they have yet to explain the reason. We purchased the vehicle for our son because he needs accessibility and mobility, it is hard for me to carry him on and off the   XXXX    for school  and Dr   XXXX  Appointments and family outings, for this company and finance company to take advantage of such a delicate situation is outrageous.

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 2017-05-18 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: BOK FINANCIAL CORP
State: NM

Complaint narrative:
I have a checking account opened with my son, XXXX XXXX at the Bank of Albuquerque branch office in XXXX XXXX, XXXX XXXX about 15 years ago. I I am XXXX XXXX XXXX and live on my Social security. I spend the winter months in XXXX as been my habit for.17 years. In order not to pay service charges I try to keep a balance of {$1400.00}. a month. My son and I try to use this account as little as possible for emergencies because of higher fees for ATM and service charges. So I always check the balance before I leave the country.. When I returned to the States I deposited a small check and checked my balance which was $ XXXX..I was referred to a Bank Representative named XXXX, who assured me this problem would be looked into and made copies of past statements. We quickly uncovered the unauthorized charges on my account by two companies I was not familiar with. On XX/XX/XXXX, I received a letter confirming charges refunded of {$750.00}. When I inquired about the additional charges and fees, I was told that The date for making that claim had passed prior to XX/XX/XXXX. I also spoke to a woman named XXXX when XXXX was unavailable who upset me quite a bit telling me my claim would not be honored due to late filing. Dispite having no knowledge of charges. Additional charges of XXXX and XXXX and service charges were denied by letter on XX/XX/XXXX. I never received an alert or notice from the Bank. I never authorized an ACH or any automatic withdrawal. The bank allowed access to my account to an unknown entity. And when my balance dropped below my limit continued to charge service fees.. My ATM card was never out of my possession until the card was cancelled. I y have tried to access my account many times but the web site locks me out and does not recognize my password. The format for logging on has been changed and I was not informed of that or that the Bank was acquired by another Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
Took out a student loan and made payments for alm ost ten yea rs. I just found out that my payments do not qualify for loan forgiveness. I was not advised of this when I set up the payments. My payments actually were more than if I set it up as income based.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Optimum Outcomes is reporting a medical debt for {$140.00} on my credit from  XXXX   2012.  I have no knowledge of this debt. I have disputed with the credit bureau that I have never received any information regarding validation of this debt from this collection agency. This agency is reporting a debt that I have not been given prior notification on and have not made an effort to validate the debt with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On  XXXX   XXXX ,    2017,  the borrowers executed a permanent modification agreement. On  XXXX   XXXX ,    2017, Ocwen  executed this modification agreement. The borrowers timely made each payment under their trial modification plan and continued to make timely monthly payments after their loan was permanently modified. However, the first mortgage statement they received  after Ocwen  executed the permanent modification agreement, which is dated  XXXX   XXXX ,    2017, f alsely states that there is a past due payment amount of {$1100.00}.     Furthermore, the only mortgage statement the borrowers received in  2017 is  the mortgage statement dated  XXXX   XXXX ,  2017, w hich is for the payment that came due on  XXXX   XXXX ,  2017. T his failure to send the borrowers a periodic statement each billing cycle constitutes a violation of   XXXX   XXXX   XXXX       On  XXXX   XXXX ,    2017, t he borrowers mail ed Ocwen  a qualified written request, in which they explained that their account is in error because  Ocwen falsely claims that the account is past due and Ocwen  has failed to send mortgage statements each billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: NC

Complaint narrative:
Hunter Warfield is reporting a debt on my credit reports without giving any prior notification or validation of debt. I 've disputed this debt with the credit bureaus as I have no knowledge of it. Hunter Warfield has not given any validation of this debt and has not notified me of any rights I have as a consumer to dispute said debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In an  OCWEN LOAN SERVICING, LLC, Loan N o. :  XXXX , Borrower named as  XXXX   XXXX   XXXX ,  XXXX , Address :  XXXX   XXXX   XXXX ,  XXXX , CA  XXXX .  OCWEN was the Servicer and  failed to inform me of the name of the lender for the following years . OCWEN has  refused to reveal the name of the lender.     Question #  1  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  2  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  3 :  In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  4 : I n the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  5 :  In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  6  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question  # 7  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question # 8 : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question # 9 : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  10 : I n the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question  # 11  : In  XXXX ,  LITTON (   now OCWEN )  alleged it received a " pay off '' from   XXXX   XXXX    LITTON  were statutorily required to inform the lender regarding the payoff and the note returned to  XXXX   XXXX   XXXX   XXXX   XXXX , the borrower.  XXXX   XXXX   XXXX ,  XXXX  did not receive reconveyance of the deed. R equire LITTON ( now OCWEN ) to subm it the note to  XXXX   XXXX   XXXX ,  XXXX .     Demand #  1 Require OCWEN LOAN SERVICING, LLC to produce the Accounting of this loan, from the originator to the p   resent holder of the note.
Demand # 2 OCWEN   alleges that a foreclosure were conducted on this account ; Question : Reconvey the note to the Trustors immediately as " paid in full. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.

Complaint narrative:
To Whom It May Concern ; I am a Veteran of the XXXX XXXX XXXX, my rank was XXXX XXXX  and I served in the XXXX as a XXXX XXXX ( XXXX ) for 27 years. On XX/XX/XXXX, I sent a wire transfer to the Suntrust Bank, XXXX XXXX XXXX, XXXX, XXXX. Bank Code XXXX. Receiving Customer was " XXXX XXXX XXXX '' Bank Account # XXXX. Address ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD, XXXX. The Amount Transferred was {$6500.00} USD and this wire transfer was cancelled. I contacted the XXXXXXXX XXXX XXXX people and they said they do n't know what I am talking about as the do n't own an account there with that account number. I contacted the Suntrust Bank and they said they see where the money was transferred and they have the wire transfer cancellation but ca n't return the funds as the person to whom the account belongs needs to transfer this money back to me. I have contacted the bank on many occasions but to no avail. They had me sent all of my documents to the legal department somewhere in Florida and to date I have heard nothing. I was told I would have the {$6500.00} USD back in my account within 5 working days and I am at my wits end trying to get this money back. As this one was cancelled and thinking it was coming back I sent the second {$6500.00} USD on XX/XX/XXXX to this account thinking I was paying for Gold but I am a victim of Fraud. I had someone in XXXX go talk to the people there that apparently owns this fake account in the XXXX XXXX XXXX 's name and they are refusing to give my funds back as I have received nothing. This now is a total of {$13000.00} USD that I am out and {$6500.00} USD actually had a cancellation of the wire transfer completed and still no money. I am a XXXX XXXX XXXX XXXX with 27 years of service to my XXXX and I am on a small pension. I am hoping you are able to retrieve my money for me as I was a victim of fraud. The Suntrust bank was of no help to me and I am now totally frustrated with them as they had the paper work to return funds and yet could n't return the money I was owed. I am hoping you are able to help me with this matter and return my hard earned mooney to me as soon as possible. If it were {$50.00} I would write it off but it is a substantial amount of money and I need it back as soon as possible as I did not receive anything for what I sent the money for. My email address etc is as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ON, XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 2017-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
citi bank some how put me in a protection program that I did not need. A  XXXX  a month now I wonder why a  XXXX  coming out of my account. I told them to cancel it they told me I have to pay for it. I told them that I have to pay for something that I did n't want. I do not want that service and they are trying to make me pay for it.

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 2017-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I sent a wire international transfer from  XXXX   XXXX   XXXX  to discover bank on  XXXX / XXXX /   2017  and got rejected by  XXXX    XXXX    (   XXXX   XXXX   ) be cause the name is Discover instead of a real person name.Now my fund has been returned back to my  XXXX    XXXX   XXXX   and been deducted {$15.00} fee by  XXXX   XXXX , I also lost  XXXX  which equals to {$46.00} USD of the wire transfer fee which charged by  XXXX   XXXX   XXXX .   I am so frustrated because I follow the exactly instruction that discover bank provide. There is nothing wrong from my side and my lost is cause by the wrong information discover provide.I use discover service because it do not charge any incoming wire transfer fee.But now I lost even more. Both time and money. At least,  Discover  should be responsible to provide the wrong info through its website.   Wire out {$43000.00} Money refund {$43000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: NY

Complaint narrative:
Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been o ver 3 weks since they said tehy ha ve

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